As we all know, there are many banks in our country, but there are huge differences in the interest that residents can enjoy when choosing different types of banks. For example, the most secure and well-known state-owned banks in China are state-owned banks, which are relatively small in number but strong and can absorb depositors nationwide.
However, the deposit interest rate of all the banks of the state-owned banks is the lowest, according to the data, the deposit rate of the state-owned banks is currently 02%-2.Before 55%, that is, if 100,000 yuan is deposited in it, the annual interest that can be obtained is between 200-2,550 yuan.
According to relevant statistics, if residents want to outperform the inflation rate, the annualized return on personal assets must reach at least 3% or more in order to achieve asset preservation, and then to achieve an additional income per year. That is to say, the annual income of 100,000 yuan of assets must reach at least 3,000 yuan to maintain its value.
Obviously, at this stage, it is very difficult to realize this idea of 100,000 yuan being deposited in state-owned banks. Therefore, if you want to outperform the inflation rate and pursue stable income, you can choose small and medium-sized banks, which can also reach more than 3%.