In recent times, in order to attract more users to deposit, the major onesBanksThey have launched good start activities, not only to improveDeposit interest rates, also issuedInterestcoupons, attracting a large number of deposits. Compared with the past, this is off to a good startDeposit interest ratesThe increase is larger and smallerBanksThis is especially noticeable. Through research, I understand that it is a little smallBanksEvenDeposit interest ratesThe upward revision to the level of more than 6% is eye-catching.
1. Bank of Communications: Raise the deposit interest rate of various tenors
Bank of CommunicationsIn this year's opening event, the deadlines have been adjustedDeposit interest rates。For example, a one-year regularInterest ratesRaised by 04 percentage points, to 22% for a three-year termInterest ratesRaised by 045 percentage points, reaching 265%。These increases are relatively large, compared to othersBanksIn other words,Bank of CommunicationsofDeposit interest ratesMore affordable.
And smallBanksaspect, not only the increase is larger, partialBanksAdditional additionals have also been introducedInterestcoupons, making the overall yield higher. For example,Anhui Xin'an BankLaunch of featured deposits, three monthsAnnual interest rateUp to 39%, plus an additional 2% rate hike coupon, 6-month, two-year fixed, and three-year fixed-term annualizedInterest ratesIt can be up to 6%.
2. Small banks: invest in absorbing deposits
AlthoughDeposit interest rateshas been at the lowest level in recent decades, but some smallBanksIn order to absorb more deposits, we do not hesitate to invest in improvementInterest rates。This has something to do with the special period at the end of the year. Every year from December to January of the following year, it is the majorBanksPeak period of deposit demand. SmallBanksIn order to meet the deposit needs during this time, it can only be done by raisingDeposit interest ratesto attract customers.
Most of them are smallBanksofDeposit interest ratesare significantly much higher, not only in small placesBanks, even in big citiesBanksDeposit interest ratesAlso larger than the othersBanksQuite a bit higher. Shenzhen like thisFinancial industryHighly developed cities, individual villages and townsBanks5-year termFixed deposit interest ratesIt is still possible to reach 39%。
3. The security of the deposit interest rate
AlthoughDeposit interest rateshigher, but many customers are still concerned about the safety of their deposits. To address this problem, as long as it is passed through the regularBanksDepositing through channels, especially over the counter, is generally safe. SmallBanksofDeposit interest ratesThe increase is mainly to absorb depositsLiquidityQuestion, it is possible to obtain protection for deposits through formal channels.
1. The demand for deposits at the end of the year
Every year from the end of the year to the beginning of the year is the majorBanksDuring the peak period of deposit demand, during this time, the demand for money in the society increases, the demand for credit also increases, and the money used by residents will also increase, resulting in some smallBanksofLiquidityInsufficient. In order to absorb more deposits to settleLiquidityPressure,BanksHad to improveDeposit interest rates
2. The importance of the opening activity
For the majorsBanksThe end of the year to the beginning of the year is a critical period for the deposit task. SomeBanksMost of the deposit tasks have been completed in the opening activity, and the success of the opening directly affects the one-year deposit target. Especially for some smallBanksDue to the small number of outlets, the scope of business is limitedAbsorb depositsRelatively difficult and can only be improved throughInterest ratesto compete.
3. Analysis of the trend of deposit interest rates
Despite the current overall marketLiquidityLooser,BanksThe spread is small and has been raised sharplyDeposit interest rateswill compressBanksofProfits。Therefore, after the end of the opening event, the majorBanksofDeposit interest ratesThere may be a gradual decline. After the Spring Festival, it is expected that the majorBanksIt will still be downgradedDeposit interest rates。So, for those who want to get more depositsInterestFor customers, it is best to make a deposit at the time of the good start of the event in order to get more moneyInterest
By the major onesBanksWe can see the observation of the opening eventDeposit interest ratesof the phenomenon of significant upward revision. Especially some smallBanksForAbsorb deposits, at the expense of blood to improveDeposit interest rates, and even reached a level of more than 6%. Although highInterest ratesIt can increase the yield on deposits, but customers still have doubts about the safety of deposits. But as long as it is passed through the regular onesBanksThe security of the deposit can be guaranteed through the channel, especially through the counter.
Deposit interest ratesThe level is closely related to the demand during the critical period. It is major from the end of the year to the beginning of the yearBanksDuring the peak period of deposit demand, in order to absorb more deposits, it is solvedLiquidityQuestion,BanksHad to improveDeposit interest rates。In addition, the opening event is for:BanksThe deposit task is very important during the opening campaignDeposit interest ratesA significant increase can attract more customers to deposit and complete the deposit task.
However,Deposit interest ratesThere is a certain amount of uncertainty about the trend of the movement. in the current overall marketLiquidityLooser casesBanksofProfitsSpace is limitedDeposit interest ratesThere may be a gradual decline. So, for those who want to get more depositsInterestFor customers, it is best to deposit during the opening event in order to get higherInterestEarnings.
In short, the majorBanksThe holding of the event brought a good startDeposit interest ratesThe large upward adjustment is smallBanksThe increase is particularly significant. AlthoughDeposit interest ratesIt is possible to decline after the year, but at the current highInterest rates, it is safe to make a deposit through formal channels. I hope you can seize the opportunity and choose the right one at the right timeBanksMake a deposit to get more depositsInterest