Today, I saw the notice of ICBC, CCB, Bank of China, Agricultural Bank of China and other large state-owned banks to reduce the listed interest rate of deposits!
Among them, the three-month, six-month, one-year time deposit interest rate was reduced by 0.1 percentage points, the two-year time deposit interest rate was reduced by 0.2 percentage points, and the three-year and five-year time deposit interest rate was reduced by 0.25 percentage points. After the adjustment, the listed interest rate of one-year time deposit is 1.45%, and the listed interest rate of two-year fixed deposit is 1.65%!
The end of the year is approaching soon, and this is completely opposite to the previous operation! In the past, when the end of the year was approaching, the major banks began to wage a savings war, generally raising the interest rate on deposits, and then giving gifts, rice, flour, oil, electrical appliances, and so on.
Not long ago, I saw a small bank in Anhui raise its deposit interest rate, but I didn't expect that only two days later, the big state-owned bank lowered its deposit interest rate! Let's analyze the reasons for this:
First of all, promote consumption. It's almost the end of the year, and everyone's year-end bonuses are about to be distributed. People who work outside the home are generally Xi to take all their money home and deposit it in the bank at the end of the year. If you see that the interest rate is so low, will you choose not to put your money in the bank and spend it? Especially at the end of the year, many people's year-end bonuses are tens of thousands, hundreds of thousands. If the interest rate is very low and you don't want to save, do you want to spend it?
Secondly, it shows that the intensity of water release has increased. The role and purpose of the bank is simple, that is, not to let a large amount of money lie in the bank. Rather, we need to invest all our money in consumption, so that the money in the market can circulate, so that the economy will be more dynamic.
Finally, it should be said that the state will continue to implement monetary easing policy next year, and it is possible that the bank deposit interest rate will be lower next year. Just like in other countries, if you put money in the bank, not only will you not be given interest, but you will also be asked for money! This also shows from the side that the economic vitality is not enough, and everyone needs to take out their money for consumption to stimulate economic growth.
Personally, I think that although the interest rate of the bank has been lowered, the interest rate on deposits is much lower than before, but depositing money in the bank is still the most reliable way for ordinary people to manage their money! I mentioned earlier that Zhongzhi, Noah, and Haiyin have problems one after another, which has already shown that financial management is not so simple! Just like what netizens said: If you don't manage money, money will ignore you; if you manage money, wealth will leave you!
So at the end of the year, will you deposit your year-end bonus and the money you earned this year in the bank? Don't tell me, you haven't earned any money this year, and you're still in debt! #文章首发挑战赛#
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