Outbreaks and orders, in addition to the epidemic in 2020, it is difficult to resume production. Now, the situation has improved and most areas have returned to normal. At this time, increasing wealth has become the idea of many people. There are many aspects of investment. Among them, if you want to invest in banks, make demand deposits, wait for opportunities and increase your wealth, you need to look at the bank's interest rates and related dividend policies.

In 20 15, the central bank of China proposed and implemented lowering the benchmark interest rates of RMB loans and deposits of financial institutions, which slowed down the economic growth of the national GDP and the development of social and economic conditions in the same direction. By 2020, the deposit reserve ratio of financial institutions will be lowered by 0.5 percentage points, which, together with the situation in previous years, will have a considerable impact on the interest rates and dividends of banks.

What is the deposit interest rate of banks in 2020? Among them, the annual interest rates of demand deposits in many banks, such as industry, agriculture, construction, communications, commerce, Pudong Development, Huizhou Merchants, Xingye, CITIC, Huaxia, Beijing, Ping An, Ningbo and Guangfa, are all 0.3%, while the annualized interest rates of the central bank and Quanzhou Bank are 0.35%, and only Xiamen Bank is 0.385%.

The annual interest rates of demand deposits of the four major state-owned banks (industry, agriculture, China and China Construction) are the same. Whether it is the head office or local branches, as long as they are in the same city, the deposit interest rates of the four major banks are the same, and there is no difference in interest rates. The interest rates of the central bank and Quanzhou Bank rose slightly by 0.05%, with the highest being Xiamen Bank.

In terms of deposit interest rate in 2020, compared with the benchmark interest rate announced by the central bank, the deposit interest rates of the four major banks also decreased by 0.05%, and were uniformly positioned at 0.3%. Only four major banks and 12 joint-stock commercial banks in China dare to lower the benchmark interest rate.

So if you want to invest in banks in 2020, invest in Xiamen Bank. Compared with other banks in the same period, there is a great opportunity to rely on demand deposits for capital appreciation. So, which bank has the highest deposit interest rate in 2020? The bank with the highest deposit interest rate can only be said to be Xiamen Bank.