The minimum deposit of 50 yuan is the bank's eye
Keeping New Year's money in the bank is a new choice for children's financial education.
With the Spring Festival approaching, the New Year's money that the children are looking forward to is also about to arrive. However, this money is often not just a simple pocket money, it also carries the blessings and expectations of the elders. Nowadays, more and more parents are beginning to realize that how to use and manage this New Year's money rationally is very important for cultivating their children's financial intelligence and financial awareness. Against this backdrop, banks have launched exclusive bank cards and deposit products for children and teenagers to help them better manage their money while developing their financial intelligence.
Li Qiang, a professor at Chinese University, said: "Today's children are becoming more and more precocious and know how to manage their finances. As household income increases, the amount and amount of New Year's money is also increasing year by year. Therefore, how to guide children to use this money reasonably and cultivate their financial intelligence has become the focus of parents' attention. ”
In order to attract this customer base, many banks have launched exclusive bank cards and deposit products for children and teenagers. Not only do these products have a lower deposit point, but they also have slightly higher interest rates than regular products. For example, the "Baby Card" launched by Bank of Rizhao and the "Xiaojing New Year's Treasure" launched by Bank of Beijing are both exclusive bank cards and deposit products designed for children.
The minimum deposit amount of the "Xiaojing New Year's Treasure" launched by Bank of Beijing is only 50 yuan, which is far lower than the starting point of ordinary deposit products. At the same time, the annualized interest rate of this product is also relatively high, reaching the annualized interest rate of 3 months, 6 months, 1 year and 2 years respectively. 05% and 215%。In comparison, the annualized interest rate of ordinary 3-year and 5-year fixed products with a minimum deposit of 1,000 yuan is only 26% and 265%。This design not only makes it easier for more families to save money for their children, but also allows children to feel the increase in interest during the savings process, enhancing their sense of saving.
The original intention of the bank to launch these products is to help children develop the right concept of money and cultivate their financial intelligence. The relevant person in charge of the Bank of Beijing said: "We take into account that the amount of New Year's money received by many children is not high, so when designing this product, the deposit point was reduced to 50 yuan, and the interest rate was also 0 yuan higher."5 percentage points. This will not only make it easier for more families to save money for their children, but also allow children to learn more about financial management in the process of saving. ”
In addition to banking efforts, parents are also actively involved in educating their children about financial quotients. Lilith, a Shanghai resident, recently opened her first bank card at China Merchants Bank for her 5-year-old daughter, which she used to save for the New Year. "In this way, we want children to learn how to manage and use their own pocket money. This will not only cultivate children's financial awareness, but also make them more independent in their future lives. Lilith said.
Experts said that saving money through the bank can not only help children establish a correct concept of money, but also cultivate their financial quotient and financial awareness. This kind of education method is both practical and effective, and it is worth learning from and promoting by parents.
In general, the bank has launched exclusive bank cards and deposit products for children and teenagers, providing a new financial education platform for children. On this platform, children can learn how to manage and use their own New Year's money, and develop their financial awareness and ability. At the same time, parents can also use this platform to better guide and educate their children and help them establish correct money concepts and values. Let's work together to build a strong financial foundation for our children's future.