For banks, the approaching New Year is a very important time node, and many banks often increase their efforts to attract savings, so as to lay a solid foundation for the operation of the new year. Now that the New Year is approaching, some banks have begun to "act" again, depositing money in the bank, there are gifts, such as rice, flour and oil. As the saying goes, wool comes out of the sheep. So is there any trick behind this?
Some banks are not very secure
Depositors deposit money in banks, and security is a very important aspect. For example, even though the interest rate of some state-owned banks is not high enough, there are still many depositors who take the initiative to deposit their money in state-owned banks for the safety of their funds. Although the deposit interest rate of some small and medium-sized banks is relatively high, the security is relatively poor, and some depositors are not keen to keep their money in it out of the need for security.
However, there will be brave men under the reward. In order to increase their attractiveness, some small and medium-sized banks will offer higher interest rates or hold some activities to save money and give gifts, so as to increase their attractiveness. And if savers are attracted by gifts and save money in them, they may also have to take a certain risk.
Some banks don't really have a very high value for their gifts
Although some banks save money to give gifts, they seem to be full of sincerity, but in fact, the total value of those gifts is not particularly high, and the bank does not need to bear much cost. And because gifts often have a certain amount, if the bank relies on wholesale, they can also buy these gifts at a lower **. If savers save money in order to get these gifts, the real benefit is not much.
Some banks offer gifts that are of high value, but the interest rate level is not dominant
There are also some banks, although the gimmick of the gift is relatively large, and the value seems to be relatively high, such as saving money to give an electric car, or giving **, etc., but the interest rate level of such deposit products is not necessarily high. If the value of the gift is converted into money, the total interest over the years will not necessarily be higher than the interest on the deposits of the rest of the small and medium-sized banks in the vicinity.
And in some cases, these "good start" products do not necessarily correspond to deposits protected by the deposit insurance system, but also financial management or insurance that do not protect the principal. Some people obviously do not have the corresponding risk tolerance, but for the sake of these gifts to configure, in case the ** is not good, the gains may outweigh the losses.
How to do it
Of course, when the New Year is approaching, there are indeed some banks that will give higher interest rates, or give gifts when you save money, which is more cost-effective. When depositors are taking care of their funds, they must carefully compare the deposit interest rates and activities of the surrounding banks to see which bank is more cost-effective to deposit money in. Of course, if you want to have a stable and high income, in addition to taking advantage of this period of time to save money, you can also take care of it with the help of some other ways, such as bank change financial management, some foreign trade economic consignment sales supported by stable foreign trade policies, 100,000 yuan of profit per month, or ** regular investment.
In short, the New Year is approaching, and now some banks are starting to "act" again, depositing money in these banks, sometimes it is an opportunity, and sometimes there may be some routines, which need to be identified by depositors.