Recently, the majorBanksThey have launched good start activities and improved in advanceDeposit interest rates, which aims to attract more users to deposit. InBank of CommunicationsOn the leaflets, many peersBanksAll rightDeposit interest ratesMessages for upward revision. To further understand the market situation, we found that in particular, some smallBanksofInterest ratesAdjustments are more common, and the magnitude of the increases is larger.
HuaibinAgribusinessBanksIt was carried out for customers with a deposit amount of more than 10,000 yuanInterest ratesadjusting, in which individualsWhole deposit and whole withdrawalof 3 months, half a year, 1 year, 2 years, 3 yearsFixed deposit interest ratesAll have been raised. After this adjustment, compared to before, each termInterest ratesBoth have increased, and customers will be able to enjoy higher depositsInterest。And the villages and towns of southern Jiangsu in HaikouBanksIt will be 3 years and 5 yearsFixed deposit interest ratesThey are set at 345% and 365%。
For smallBanks, given above the market levelDeposit interest ratesIt's already a big book, but is this really the highest?Actually, no. In order to attract more deposits, some smallBanksEven more sparingly. In addition to improvingDeposit interest rates, theseBanksIt has also begun to be distributedInterestbonds, and the two are combined, and the overall yield can reach up to 6%. For example, Anhui Xin'anBanksThe introduction of "special deposits" can be obtained with high amountsInterest, three months of themAnnual interest rateFor 39%, six monthsAnnual interest ratefor 4% for two-year and three-year termAnnual interest rate4% and 4., respectively1%。In addition, if the deposit amount exceeds 50,000 yuan, you can also get an additional 2%.Hike ratecoupons, making six-month, two-year, and three-year regular annualizationsInterest ratesUp to 6%. This is equivalent to a deposit of 100,000 yuan and will be able to get 6,000 yuan a yearInterest, much larger than averageBankslevel.
However, for such a highDeposit interest ratesCustomers may have some concerns. High yield means high risk, overall in the presentDeposit interest ratesGenerally lower case, smallerBanksGive 6%.Deposit interest rates, are these deposits safe?To address this problem, as long as the customer passes the regularBanksChannels, especially going directly to the counter, are basically safe. SmallBanksThe reason for giving is highInterest rates, mainly because the end of the year is the peak period for deposit demand. During the period from December to January of the following year, the social use of money is more, the demand for credit increases, and the use of money by residents also increases, which leads to some smallBanksLiquidityInsufficient. In order to absorb more deposits, they can only be raisedDeposit interest rates。In addition, the major onesBanksDuring the year-end to the beginning of the year, a variety of activities are usually held, and the effectiveness of the good start directly affects the deposit task throughout the year. If you get off to a good start, most tasks can be completed ahead of scheduleOtherwise, the pressure will be relatively high. Especially for villages and townsBanksand other small institutions, they have few outlets and limited business, so in order to absorb deposits, they can only increase by a large amountInterest ratesCome with the bigBanksCompete.
Coincides with the bigBanksIt also began to be revised upwardsDeposit interest ratesto absorb more deposits, smallerBanksI had to do everything I could, and there was only a significant increaseInterest ratesto stay competitive. Because of this, we have seen in recent times, both in small placesBanksIt's still a big cityBanksDeposit interest ratesare significantly higher than the othersBanks。Even inFinancial industryHighly developed Shenzhen, individual villages and townsBanks5-year termFixed deposit interest ratesIt is still possible to reach 39%。However, this highInterest ratesThe Light is only temporary and limited to special periods. Once the Spring Festival is over, the majorBanksIt is likely to be reducedInterest rates。This is because of the overall market in the currentLiquidityRelatively loose against the background,BanksThe spread space is compressed. If it is revised upwards significantlyDeposit interest ratesBanksprofits are bound to be compressed.
In light of this, if you want to get more depositsInterest, preferably at this stageBanksDeposit when the event is in full swing. At least you can get some moreInterest。But forLong-term investmentto say,Deposit interest ratesNot the only factor considered. We also need to consider the impact of factors such as inflation, as well as an individual's risk tolerance. Overall, deposits are still low-riskInvestmentsway, especially for those with a low risk appetite.
InFinanceMarket volatility andInterest ratesAdjustments, we asInvestmentsDo a good jobRisk control, rationalInvestmentswithFinancial planning。Either the choice is largeBanksStill smallBanksWhen making a deposit, you need to understand the risks and benefits, and make reasonable decisions based on your own needs and risk tolerance. I believe that we can only make wise decisions on the basis of a full understandingInvestmentsChoice, to achieve wealth appreciation and preservation.