For many people, deposit is an unattainable term. However, in the face of real life, we should still make a reasonable distribution of our assets, and save our income on the basis of satisfying life. However, many people will hesitate after seeing the bank's interest, after all, the deposit interest rate is too low and the root cause of everyone's reluctance to save. It is not as valuable as investing or other financial management.
So how much is the interest of 10,000 yuan deposited in Bank of China for a year? Bank deposits are divided into two situations, under normal circumstances, the money we put in the bank belongs to demand deposits, and the interest rate is 02%。That is to say, as long as the money is placed in the bank account, no matter how little it is, he will be profitable. In the case of a fixed deposit, the interest rate offered by Bank of China for a one-year fixed deposit is 19%。That is to say, if you save 10,000 yuan for a year, the interest you can get is 190 yuan. For the current level of consumption, this money actually does not seem to be much, but it is a positive income. Compared with financial management or investment, he is risk-free.
In contrast to deposits, Bank of China also has treasury bond products. Compared with other products, the interest rate of government bonds is higher than that of fixed deposits. But he has conditions, which are divided into three-year and five-year periods. In these two modes, the product will be limited in the extraction time, and it will not be available if the time is not reached. It's not the same as financial management. Although there are restrictions on financial management, there is a flexible system for management, but if you force it, you have to go. You can recover a certain amount of your principal according to a certain loss, not only without interest, but also at a loss of principal. So compared to these situations, fixed deposits are already a very stable income**. At the same time, it is also a way to preserve the value of assets.
Of course, many people will remember that if the bank is not operating well, it is difficult for depositors to get compensation for a share of more than 500,000 yuan. So people don't dare to have too much money in the bank. But now only 30% of the total amount of money stored in the bank is 300,000 people with personal deposits. It seems that everyone is also saving it little by little. For ordinary people, the bank that deposits money still has to choose a bank with a relatively large reputation and stable assets. Bank of China is one of the six major banks in China, with good credit and stability. It is an ideal choice compared to independent banks.
At present, the interest rate of bank deposits is set in accordance with the unified regulations of the state, and even if there are individual differences, the major banks will not be too large. Therefore, those who strive for financial stability and leave a living guarantee for themselves can choose this bank as a fixed deposit.