Bank sources revealed that this year and next year, prudent deposit and fixed period, 3 reasons for in-depth analysis!
Keeping money in the bank seems to have become the most common way for ordinary people to manage their money. In most people's minds, bank deposits are not only safe, but also bring a steady stream of interest income.
However, this status quo may be broken this year and next, a bank** revealed that it is best not to deposit a fixed term this year and next, there are 3 very reliable reasons.
First of all, the interest rate on bank deposits has continued to fall, and it is impossible to realize the desire to obtain capital appreciation through deposit interest"2 prefixes"Times, like several large state-owned banks, the highest interest rate on fixed deposits is also at 2About 6%, and the annual inflation rate is significantly higher than the deposit interest rate, so the deposit interest rate has completely failed to beat the inflation rate, that is to say, the money deposited in the bank to eat interest cannot be realized. The inflation rate is obviously higher than the deposit interest rate, and the deposit interest rate has completely failed to outperform the inflation, that is, the money deposited in the bank to eat interest cannot be turned into capital appreciation.
Second, there are many small banks with potential safety hazards due to the large amount of deposits, such as the original Henan Village Bank, Hainan Development Bank, etc., are the most vivid examples, and the scale of the same type of bank accounts for more than 80% of the market, that is to say, the amount of bank deposits is too large is not absolutely safe, according to the provisions of the deposit insurance system, once the bank goes bankrupt, the upper limit of compensation is only 500,000, so if the deposit amount is too high, more than 500,000, it cannot guarantee 100% safety of funds, there is a certain risk.
Third, the competition between banks is very intense, and several banks are facing great pressure in their business. Under such circumstances, if a depositor who makes a deposit with a bank is not careful, it is very easy for an unprofessional employee to be deceived into converting the deposit into other products that are fundamentally different from the deposit, such as one type of guaranteeing principal and interest, and the other being a profit-loss link.
Therefore, the information disclosed by the bank staff is not unreasonable. In the end, I think it's right to have a regular passbook, but there are risks associated with saving money casually. The above three reasons are very reliable, and there are also some people who have suffered losses because of this, so you must be cautious when saving money, what do you say?