Today is December 23rd, Industrial and Commercial Bank of China, as one of the six major state-owned banks, has strong strength and business outlets all over the country. In addition, ICBC has always ranked first in the world on the Forbes list of global banks, and is truly the "largest bank in the universe".
The big state-owned banks are well-known and safe to save money. Many depositors like to keep their money in ICBC.
Let's take a look at how much interest can be if you deposit 50,000 yuan in ICBC for one year?
If I deposit 50,000 yuan in ICBC for one year, how much interest income will I have?
1 . current
For demand deposits, it is necessary to warn all depositors: do not put the money for a long period of time! Especially for large amounts of deposits, in the long-term survival period, that is foolish behavior.
Therefore, the interest rate of demand deposits is very low. Moreover, it is still the outrageously low kind. During the survival period of the money, it is equivalent to taking your own money and giving it to the bank for free.
At present, the interest rate of ICBC's demand deposit is only 0.20% per annum. Put 50,000 yuan, in the survival period, one year's interest is:
5万×0.20%＝100元
In the life period of 50,000 yuan, the interest for one year is only 100 yuan. On the surface, you're calling it saving money. Actually, it's not at all, it's just working for a bank. Then the bank saw that you were too stupid and couldn't bear it, so it reluctantly gave a little hard money.
Demand deposits have many advantages, capital and interest protection, and the flexibility is very good. However, its interest rate is too low. We can't save money just as it's safe and don't want any interest at all.
Put the money alive, this kind of "money is stupid", don't do it.
2 . Call Deposits
As for the call deposit, I would like to say that all the depositors who know about the call deposit and have saved it are people who have studied saving money and are very good at taking care of their money.
Because the call deposit is very good, the principal and interest are guaranteed, and the flexibility is also very good. Like many elderly people, the money in their hands cannot be stored for a long time, so they can store the money in the notice deposit.
At present, there are two kinds of ICBC call deposits:
The interest rate is 0.70% p.a. for one-day call deposits. For each day you deposit, the bank will settle the interest for you. This term is actually similar to "daily interest".
Put 50,000 yuan and save it for one day to call the deposit, and the interest every day is:
50,000 ×0.70%÷365=0.96 yuan
If you deposit for one day, you will have an interest of 0.96 yuan, and if you save for a year, you will have an interest of 350 yuan.
The interest rate for 7-day call deposits is 1.25% per annum. For every seven days you deposit, the bank will settle interest on you.
If you put 50,000 yuan into a seven-day call deposit, the interest for every seven days is:
50,000×1.25%×7÷365=12 yuan
For every seven days of saving, there is an interest of $12. If you save for a year, you will have an interest of 625 yuan.
If you have spare money in your hand and do not use it in the short term, and you only accept the bank to save money, it is recommended that you deposit the bank's call deposit.
3 . regular
For fixed deposits, here is a word of praise: all depositors who keep their money in a fixed term are down-to-earth and particularly pragmatic people in life.
Because fixed deposits are very simple, you don't need to spend energy researching anything. Guaranteed principal and interest, fixed interest rate. If you save now, you can calculate how much money you can get after the expiration date.
Saving money for a fixed period of time is to ensure income in drought and flood.
And some people are very disdainful of fixed deposits. I feel that the interest rate is too low and the flexibility is not good. I used the money to speculate in stocks and funds, thinking that this way of saving money is saving money. The money earned in one day is higher than the interest on saving for a year. When I see others saving a fixed amount, I don't forget to mock the phrase "old antique".
But what about the result?
Many people have managed money, speculated in stocks, and speculated in funds, tossing for many years, not to mention not earning a penny, and losing the principal miserably. Especially the kind of people who speak very professionally on weekdays. The more you look like a senior expert, the more serious the loss.
There is no risk in depositing a fixed period, and you can earn interest steadily every year. This is the most suitable way for us ordinary people to save money.
Deposit 50,000 yuan in ICBC for one year, and you can choose to deposit it for one year.
ICBC, fixed one-year deposit, the interest rate is 1.70% per annum. Put 50,000 yuan, save it for a fixed period of one year, and the interest for one year at maturity is:
5万×1.70%＝850元
This interest income, although not very high. However, in the case of guaranteed principal and interest, it is already very good.
There are many people who like to keep their money in small banks. Because small banks have high deposit interest rates, they can get more interest, which is also a very good option.
The advantage of a large state-owned bank is that it is safe to save money. Moreover, the business outlets are all over the country, no matter where you go, it is very convenient to deposit and withdraw money.
The advantage of small local commercial banks is that the interest rate on deposits is high.
When you save money in the future, if you have strict security requirements, it will be stored in a large state-owned bank. If you want to get more interest, you can deposit it in a small local commercial bank.
4 . Other savings activities
As a major state-owned bank, ICBC has a lot of money saving activities. Among them, there are some that can be called principal and interest guarantees.
Like a large-amount certificate of deposit, it is guaranteed to guarantee principal and interest. The interest rate for one-year certificates of deposit is 1.80% per annum. This is 0.10% per annum higher than the interest rate of a one-year fixed deposit.
This is equivalent to every 10,000 yuan, and the interest is 10 yuan a year.
However, there is a threshold for the amount of large-value certificates of deposit, which requires a minimum purchase of 200,000 yuan. It is only 50,000 yuan, which is a bit far from the threshold amount.
Like savings bonds, they are also principal and interest guaranteed. Moreover, in terms of interest rates, it is higher than fixed deposits. Moreover, the flexibility is also better than fixed deposits. If you withdraw it in advance halfway, you can also calculate interest by relying on the file.
However, the maturity of savings bonds is relatively long, and the minimum period is three years. 50,000 yuan, in the amount of which can be used to buy savings bonds. However, if you only save for one year, you will not be able to buy savings bonds.
summary
Industrial and Commercial Bank of China, as a veteran state-owned bank, has strong strength. The biggest advantage of depositing money in ICBC is that you don't have to worry about the bank going bankrupt.
Moreover, ICBC's business outlets are also all over the country. No matter where you go, it is very convenient to deposit and withdraw money.
We ordinary people, it is a very good choice to deposit money in ICBC.