Hello everyone, ^-^ I am the "way" that can let you know more about bank deposit products!
Solemn statement: This article is not advertising, no interest, no investment advice, only represent my views to share.
Recently, there are many new products launched, and there is also a lot of information about deposits that are still worth sharing with you.
It was thought that the decline in interest rates was an inevitable trend, but from the actual operation of some banks, there is still pressure on the decline in the scale of deposits and the slow growth of asset scale. So naturally, many banks have begun to have some "riot" operations, which makes people sigh.
So in this issue, let's talk about some recent information for your reference.
<h1 class= "pgc-h-arrow-right" > WeBank's large certificate of deposit + (AB section).</h1>
As we all know, WeBank has a type of demand deposit product: large certificate of deposit + series of products (AB). Among them, section A is 4.2%, section B is 4.0%, and both are 5-year periods, and both are paid monthly.
The logic of this series that can achieve a current is its transferable property. When the user holds a large certificate of deposit + series of products (AB model), he can initiate a transfer at any time and withdraw through the transfer of others. Benefiting from WeBank's large user base, the actual transfer and transfer behavior can basically be within 2 hours (officially announced, it will actually be faster, especially 4.2% of Paragraph A).
Originally, personally appreciated its 1 point is that 4.2% of the A model can only open the purchase permission by buying the user's sharing invitation, and the product itself is limited (the quota released in the early morning every day, only for 1-3 minutes of sales, will be sold out).
Recently, there is 1 bad news and 1 good news about this product. Separately to tell you about it~
1. [Bad News] Since September 16, new users (first deposited on September 16 and later) have added a limit to large certificates of deposit + (AB) with a ceiling of 400,000. However, the announcement also leaves a hole, and the limit will be adjusted according to the customer's transaction situation and product operation (whether it will actually be adjusted and how it will be adjusted is unknown).
2. [Good news] Large certificates of deposit + B, limited sales will begin on September 21. Although the announcement says that the appointment deposit function will be launched in the future, let's not say whether the function will affect the interest calculation time, and when it will be launched is still a problem. Why is it good news? The main reason is that the restricted sales of this piece are bound to accelerate the transfer speed of old user products. Good thing!
<h1 class="pgc-h-arrow-right" > Zhongli Bank's Zhongli Depository Series</h1>
Zhongli Deposit is actually similar to WeBank's large-value certificate of deposit + series products (AB), which belongs to the transfer deposit products issued by Zhongbang Bank. A little note that there is also a series of Save below Zhongbang Bank, which belongs to the deposit of frequent interest payments, so don't make a mistake.
The reason for this issue is not how good its products are, but in addition to the 5-year 4.2% of the Zhongli Storage products in the VIP Zone, it has a moth again!
Yesterday, I received a report from Qunyou that Jingdong Finance actually appeared 4.5% of the 5-year Zhongli Storage product! After a period of rapid operation, sure enough, we found this product. At present, it has not been found on other platforms, and if you see friends, you are welcome to leave a comment.
To know that as a transfer product, if there is a high interest rate product, it is bound to affect the transfer of low interest rate products! Under the exact same product, if there is a product with a higher interest rate, who will choose the product with low interest rate?
If you have a friend who chooses to transfer 4.0% of the 5-year Zhongli Deposit product recently, you may wish to tell the next road, how much time did your transfer take?
PS: Regarding the feedback of friends, the bank will automatically handle the transfer products that no one undertakes, this is indeed a similar possibility. However, judging from the existing product agreements and bank announcements, some products will be marked as 7 days untransmitted and transfer failures. As for whether there are actually three-party market makers, or whether there will be three-party market makers deposits in the future, it is not known.
<h1 class="pgc-h-arrow-right" > several new products of rural commercial banks</h1>
Recently, Jingdong Finance has added 3 new rural commercial banks, Xiuwen Rural Commercial Bank, Huaxi Rural Commercial Bank, and Qingzhen Rural Commercial Bank. Careful friends will find that these 3 rural commercial banks are all in Guiyang without exception. With the friends in the group, it seems that most of the banks in Guiyang are short of money, or they can still form a group to go online to collect reserves!
Putting aside the fixed term of the product, the product information that has a bit of an advantage, I have sorted it out for everyone. Overall, there are 2 categories, batch-based, high-interest fixed-term products (advance interest payment). See the figure below for details.~
Let's make a simple comment: if you only look at the product, it is really good, but it is not the best at present! In the case of rural commercial banks, it is true that other villages and towns are much stronger, but these rural commercial banks are generally fair. Therefore, it is no problem to deposit, but it is necessary to strictly control the principal and interest limit of 500,000.
PS: If you can't see it, it's actually big data.
<h1 class="pgc-h-arrow-right" > summary</h1>
With the launch of private banks, many offline banks have begun to collect deposits online, such as village and town banks, rural commercial banks, and urban commercial banks.
Let's talk about an interesting story (you should be imaginary): At the beginning of the year, there was a village and town bank that deposited 7.5% of the deposit product offline, and the result was stopped by the local report. No way, start online storage, the result is that the new world opened! Found that the original 4%-5% of the product can sell out!
Now what exactly is the clash of the gods? Or is it a swarm of snakes dancing around? Dear friends, I believe that each has its own views