As we all know, it is a fixed process for banks to recommend wealth management products when everyone saves money, and they will introduce many products in the process, whether it is short-term or long-term, or large and small gaps, he said in detail.
However, in investment projects, few banks will choose to recommend people to invest in ** industries, which makes many people wonder, because in contrast, ** can also be called a popular industry in the investment community, is it not possible for banks to look at it?
Actually, people think too well of banks and think that as depositors they will wholeheartedly help you plan your assets, but we want to remind everyone that banks are not social welfare institutions, but for-profit institutions.
They use assets to invest, and finally get income, or through mortgages, car loans, etc. to earn more money, mainly as a capital gathering place and a total investment point to play a role.
But many people are not aware of such an obvious problem at all, but they are confused by the superficial phenomenon of the bank, thinking that saving money is the most stable means of financial management, but in fact, this idea is extremely one-sided, let's take a look at the development in recent decades to understand.
First of all, if we compare the development of the past 100 years, it is clear that the process of industrialization has led to a significant increase in economic growth, and finally even hundreds or thousands of times the growth rate, and the purchasing power of money has been extremely reduced.
The bigger problem is that this situation is not just local, but affects the whole world, and many people will say that this is because the country is in the early stage of development, everything is simple at the beginning, and it is difficult to master everything, and it is not so easy to make a big breakthrough in industrialization.
But what we want to tell you is that it is true that everything is difficult at the beginning, and after the process of industrialization has the underlying logic, the relevant scientific research achievements can be said to be standing on the shoulders of giants.
With the accumulation of scientific research results, there will be major changes in the future, so will the bank's savings fall sharply similar to the past century? Presumably, the answer is self-evident, because we have another new force, and that is information.
Compared with continuing to move forward in the industrialized industry, the international situation has made everyone directly change the track, from the industrial revolution to the information revolution, which includes both the difficulty at the beginning and the difficulty of the process.
In other words, whether it is the achievement of industrialization or the achievement of informatization, it is possible to trigger a major change in the monetary value of bank savings again, in such a situation, can we still say that saving is a less risky option? Apparently not.
And ** is different, as a rare metal, ** is relatively fixed, even if it rises and falls in a fixed range, and even says that in case of war, the value of ** will instantly surpass the currency, because the country's credibility is wrong.
So this reflects the superiority of the best, and why would the bank staff ignore this superiority and choose to recommend other products? In fact, it stems from a question of profit, and as mentioned above, banks need to make profits.
I believe that everyone agrees with this idea, after all, the businessman who is engaged in business said that he is doing charity, and this possibility is too low and too low, so how can the bank make a profit? Does it mean that people's money can be saved safely or that there is a risk?
Obviously, it is the latter, as for the reason is very simple, the bank relies on the people's savings to make money, and the interest rate given can be regarded as dividends, but another business of the bank must also be carried out, that is, lending.
Whether it is a mortgage or a car loan, in the final analysis, it is the word "consumption", and if the people's willingness to spend is not high, they will not be able to make money, so they will often recommend high-risk projects to you compared to more stable financial management business.
Naturally, the income comes with the risk, in contrast, if it is really good, the project recommended by the bank can make you a lot of money, but in case of an accident, then the last person to participate in the bank loan is also yourself.
For most people, they can't afford the consequences of the sudden loss of large amounts of money, so they are more in pursuit of stable financial management, but it is impossible for the bank to really recommend everyone to buy, because it is too stable.
The ups and downs of ** are still stable until now, and banks can't make money if they can't see the risks, so they rarely recommend it, and for us, this is also a news worth referencing.
If we say that we are for this stability, we can choose to invest in the ** industry, although the income does not seem to be much, but there is no loss, especially in the two years of rapid development, do you really have the confidence to outperform inflation?
I still hope that everyone will not have too many expectations for bank savings, and that you can't put all your hopes in one place, and leave yourself a way out in case of risks.
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