The conscience of the bank manager suggests why the bank should be deposited after the interest rate cut in 2024?
As interest rates fall in 2024, many people are starting to question why they should keep their savings in the bank. To answer this question, I spoke to a bank manager who offered the following conscientious advice.
First of all, in China, the banking industry is the largest financial entity in China, and it plays a very key role in maintaining the stability of the financial system and promoting the development of China's national economy. Keeping money in the bank can not only ensure the safety of the principal, but also get a considerable interest income. Although the interest rate on savings is reduced after the interest rate cut, the risk of saving is much lower than that of other investment methods. In saving, it is still a good way for people who do not have a high risk appetite.
Secondly, there are many types of commercial banking business. In addition to traditional savings, there are also a series of wealth management products, loans, foreign exchange trading. Through the above-mentioned businesses, it helps investors to better manage their finances and achieve the purpose of maintaining and increasing their value. With the reduction of interest rates, some high-yield financial institutions may face certain pressure, but major commercial banks will continue to carry out more robust financial services to meet the needs of various investors. In addition, saving is also a social obligation. The banking industry is an indispensable pillar industry for national economic and social development, and deposits are of great significance to promoting China's financial stability and promoting the development of the national economy. From a private point of view, keeping money in the bank can not only support the country's finances, but also provide a stable income for yourself.
In addition, the governors also warned all investors to be vigilant in the event of lower interest rates. Investors should make appropriate investment portfolios according to their own risk appetite and investment objectives. For those who are more cautious, saving is still a safer and more stable option. In general, although the interest rate on savings has been reduced after the interest rate cut, saving is still a relatively reliable way to invest. In the process of saving, you can not only get a fixed income, but also enjoy a series of financial services. Saving is a great way to save without adequate risk awareness.