For China, the living environment of the people is still relatively good, after all, the speed of development over the years can be said to be very fast, everyone has more or less a certain amount of endowment in their pockets, and the improvement of the quality of life has also made everyone interested in different situations, but there is a comparative premise in these situations that they want to try, that is, there are sufficient funds.
This situation also reflects a very obvious problem from the side, that is, everyone's attitude towards banks, as the places where everyone usually deposits and withdraws money or does business, I wonder if you have "stepped on the thunder" among so many banks? In this regard, the Bank of China on the mainland has also given some suggestions, and everyone should pay close attention to it!
Will you also encounter a "pit" situation when depositing money in the bank?
It has been a lot more convenient for life now, and the situation of electronic payment makes everyone usually go out with a lot of cash, the first is to prevent those less safe situations from occurring, and the other is to be afraid of not paying attention to losing money, after all, every penny is earned by everyone's hard work.
But even if there is an electronic payment situation, everyone's usual salary or spare money, either automatically into the card or take the initiative to go to the bank to exist, speaking of which I have to mention that among so many banks in the mainland, there are some more "special" existences.
We can first take a look at a relevant report from the media, which shows the situation of the mainland going to the bank to deposit money in the past few years (from 2022 to 2024), in the past few years, most of the people in the mainland will take the initiative to deposit money in the bank, adding up to about 58 trillion yuan.
This is not a small amount, these years are also the result of the people's own hands and hard work, but the average of this money has more than 82% of people have chosen to make fixed deposits, although these are all depending on their choices, but the number of deposits in recent years has indeed increased greatly.
Looking back at the situation of people going to the bank to deposit money in the past few years from 2018 to 2020, the capital data at that time was far less than the development of the past few years, and the previous situation was more special, from 2008 to 2019 In the ten years, people's total deposit data in the bank was not as good as from 2020 to 2024.
It may reflect that people have earned more money in recent years, or it may reflect that people are more interested in things like saving money, after all, the economy has not been very good in recent years, and everyone wants to save more money in the bank in order to have a better way to deal with their own situations in the future.
However, it is not possible to generalize the situation, because many people do not understand this kind of money saving behavior, and there are more young people among them, is it possible that everyone suffers from the symptoms of "habitual saving money"? But this does not reflect that the Chinese people have more money in their pockets, but are more sensitive.
Although the people in the mainland have earned more and more money in recent years, and the overall development of the country has gradually risen, people also had the concept of money before, but they didn't like to go to the bank to save money, but with the development, everyone now doesn't like to spend money and wants to save the money for later use.
Why is everyone starting to save money in the bank? Is it money anxiety?
The population of the mainland can be said to be one of the largest in the world, and there are many people in it who recognize the behavior of saving money, because China has been very concerned about the habit of thrift and simplicity since ancient times, but it will not waste money lavishly, even if it is rich, it will not change this situation.
Although this statement can not summarize all people, but there will be those very low-key people around everyone's life, usually may not show the mountains and water, but there is really money in the pocket, according to the relevant information, China is the world's largest amount of money savings, and is to save most of the money they earn.
The actual data shows (in 2019) that the overall savings of the Chinese people can reach about 45% of their savings level, which also means that everyone keeps their money in the bank, and this data is increasing year by year, and the exchange rate for the use of China's real deposits is also increasing, which is higher than that of most developing countries.
And China's deposit situation is more than some developed countries, including the United Kingdom, the United States, France, Italy and Canada, etc., does this show that Chinese have a larger capital chain? Although this way of description is still relatively "exaggerated", but the actual situation is also incomprehensible to them.
For the situation of saving money, the central bank has also made an analysis for everyone
Although the situation of saving money is getting higher and higher, it is still necessary to pay attention to the choice of banks, and for this reason, the central bank also announced the latest news, that is, they directly evaluated 4,400 bank-type enterprises and institutions nationwide, and the final result is somewhat unexpected.
According to the data, many banks and financial institutions in the mainland can be divided into 11 different levels, and there are 8 institutions in these classification that are considered to have a relatively high degree of risk, whether they are private institutions or super-large institutions.
Among these institutions and enterprises, the situation is relatively good for large domestic institutions and foreign-funded banks, and the situation of some private banks is also acceptable, but some urbanized institutions are evaluated as high-risk institutions, and even some rural commercial banks, rural credit cooperatives, and rural cooperative banks have not been avoided.
There are a total of 271 high-risk situations in these banks, and there are more than 120 institutions at the village and town level.
This statement is to check whether the bank's business is qualified, and to see whether the funds of these banks are clear routes, and finally to know whether they are in line with the market and legal provisions, which is also a very cautious behavior.
The second way is to check how these banks have been operating over the years, simply put, to choose a reliable bank, after all, no one wants to find a "cheating" existence, right?
The third point is a point that everyone can easily remember, that is, to check whether these banks are in compliance with the internal procedures of the industry, whether there are some situations that cannot be avoided or concealed and deceitful, and once such a situation occurs, we should avoid and pay attention to it as soon as possible.
There is a fifth point that is more intuitive, that is, to see whether the funds of these banks are sufficient, whether there have been some negative growth recently, but don't save your own money at that time, but the bank itself is not able to take out the money you have deposited later, which is really unacceptable.
The last situation is more special, that is, to check whether the bank you want to deposit money has had those big disputes in the process of operation, and also to see whether they have shown positive development in the development process over the years, so as to avoid negative situations in everyone's money.
The advice given by these central banks is still very simple and direct, and from the most fundamental point of view, let the people consider whether the bank is suitable or not, which is also for everyone's financial guarantee to have the most basic guarantee, so as not to waste their hard-earned money at that time.
Conclusion
When I said this, I can only remind everyone that you need to be cautious and consider carefully when depositing, even if it is a few hundred yuan, you must see if the bank you choose is reliable.
The news announced by the central bank this time is also for the sake of the people's more secure life and development, and this wave must give them a good thumbs up.