As a bank employee, I give you reassurance. As long as you find the right bank and use the right method, the annual interest rate of 4.8% is absolutely reliable.

Certificate of deposit is a limited deposit product issued by banks. Ordinary time deposits can rise by up to 40%, and time deposit certificates can rise by up to about 50%.

In 20 19 years, the deposit interest rate of ABC is:

1. The interest rate is 65438+ 0.65% of the three-month minimum deposit.

2. After six months of deposit, the interest rate is 1.95%.

3. The one-year deposit rate is 2.25%.

4. The two-year deposit interest rate is 3. 15%.

5. The three-year deposit rate is 4%.

The interest rate offered by the 202 1 three-year deposit certificate bank is basically around 3.85%, so the interest rate is lower than 20 19.

As we all know, banks can only make a profit by lending to customers, and the principal of the loan is the deposit of our customers.

In 2020, the central bank will set the loan interest rate for more than five years at 4.9%, and banks will definitely raise it on this basis.

Bank loans can basically reach about 5%, and the deposit interest rate of large deposit certificates is 4.8%, which is not much different from the loan interest rate.

Generally, a small number of banks can give 4.8% deposit certificate interest rate at the end of the year, and some banks basically give 3% to 4%.

Because banks have various assessments at the end of the year, customer deposits are one of the assessment indicators. In the face of assessment, banks will try their best to attract a group of customers' deposits and solve their own storage pressure. Generally, domestic banks will come up with such a method at this time, and the competition is fierce, which will attract a large number of customers by raising interest rates.

At present, the interest rate of bank deposit certificates can reach 4.8%, which is quite rare.

The annual interest rate of bank deposit certificates rises by 55%, that is, about 4.25%, and the deposit certificate interest rate reaches 4.8%. On this basis, it will rise to about 75%. This kind of interest rate is really a bit high. You should further confirm whether you are a deposit certificate or a bank wealth management product. The average bank's wealth management products can reach 4.8%, but the usual deposit interest rate can rarely reach 4.8%.

If it is the end of the year, years ago, the timing of bank assessment is still ok.

So you have to confirm whether your deposit is a large deposit certificate issued by the bank. If so, it must be quite reliable.

Speaking of small and medium-sized banks, the interest rate of private banks can be said to be quite high. The interest rate of certificates of deposit can reach about 5% in five years and 4.85% in three years.

For banks, deposits are like fish without water. There are many domestic banks, such as well-known banks, and there is no need to worry about deposits at all. With their fame and a little activity, a large number of customers come to deposit and there are many outlets.

But for private banks, many people don't know about this bank. Private banks were born in 20 14, and there are very few outlets in China. Basically, business deposits are handled through the mobile banking APP, which saves a lot of money.

Generally, this kind of bank has very low popularity, few outlets and limited service scope, so it is difficult to attract deposits. Every bank has an assessment, so the competition is fierce. If you give deposit interest rates like big banks, the chances of attracting deposits will be even more slim.

Interest rates can only be raised. Compared with big banks, its interest rate is much higher, which will attract a group of deposit customers who pursue high interest rates.

So if your 500,000 yuan is a large deposit certificate of a small bank, the interest rate must be 4.8%.

As mentioned above, a friend of mine deposited 200,000 yuan in the bank and got the interest rate of 5%, but in the end, the money in the account disappeared.

This friend of mine is also saving money for the first time and lacks some knowledge in this field. He decided one thing, which bank gave a high deposit interest rate, he would go to which bank to deposit money.

The bank staff in this area are eloquent and clear-headed, and it is easy to bypass you. To tell the truth, even if the deposit certificate of 200,000 yuan is fixed for three years, the highest interest rate can only be about 3.65%.

At that time, my friend heard that the interest rate was 5%. Without asking much or thinking much, he put the money in directly. In fact, what he saves is not a deposit, but a bank's financial management.

So there are only a few thousand dollars left in the last 200 thousand.

So I would like to remind all my friends here: when you deposit money, you must be clear. We should not only look at the high interest rate, but also ask whether it is financial management or deposit. Our money is hard-won, and financial management is risky, so we need to be cautious. Deposit is the king of insurance.

If it is confirmed to be a large deposit certificate, it is definitely safe.

There are deposit insurance regulations when making deposits in banks.

This means that once the bank goes bankrupt unexpectedly, as long as your deposit is within 500 thousand or not more than 500 thousand, your principal and the interest generated by the actual deposit time will be refunded to you one by one.

Therefore, my friends, when choosing high interest rates from small and medium-sized banks, it is best not to deposit more than 500 thousand.

There is a reason why eggs can't be put in one basket.

500,000 certificates of deposit, the interest rate can reach 4.8%, which is relatively high. As long as it is a real certificate of deposit, it is absolutely reliable.

At present, banks are facing various assessments at the end of the year, and major banks are trying their best to absorb deposits. This year's certificates of deposit are sharp tools launched by major banks. Near the end of the year, the interest rates of large deposit certificates of major banks are also rising. However, at present, there are relatively few banks that can really achieve the deposit certificate interest rate of 4.8%. Most banks' three-year certificates of deposit can float up to 55%, and the real interest rate is about 4.2625%. Some banks can float up to about 4.5%.

The bank deposit certificate you mentioned can reach the interest rate of 4.8%, which is equivalent to 74.5% floating on the basis of the benchmark interest rate. This floating range of interest rate is quite high, and you need to further confirm whether it is really a certificate of deposit.

Because according to the issuance conditions of certificates of deposit, the banks that issue certificates of deposit must be members of the self-discipline convention on interest rates in the banking industry, and banks that are members of the self-discipline convention must abide by the self-discipline convention on interest rates when issuing certificates of deposit, so the interest rate fluctuation will certainly not be too large. At present, the maximum floating rate of most banks is about 55%, a few banks can float about 65%, and few can reach more than 70%.

Of course, it does not rule out that some small banks are more flexible in independent pricing, so large deposit certificates can float to a higher range. Anyway, if you are sure that what you are talking about is indeed a certificate of deposit, I think it is still reliable.

First of all, the certificate of deposit is a general deposit, which is protected by the deposit insurance regulations within 500,000 yuan, and 100% can be unconditionally recovered, which is very safe;

Secondly, although the deposit interest rate of 4.8% is not the highest in the market at present, it is also at a high level. This income is similar to the current bank wealth management products, which is quite good for general deposits.

Finally, the liquidity of CDs is relatively good. At present, certificates of deposit generally support multiple withdrawals in advance, and their liquidity is relatively good.

But if the deposit you are talking about is just an ordinary deposit, not a large deposit certificate, the liquidity is relatively poor. At present, ordinary bank deposits can only be withdrawn in advance according to the current interest rate on the withdrawal date, which is very uneconomical. But if you don't have a strong demand for liquidity, even an ordinary deposit is worth saving.

To sum up, you must first confirm that this is a large deposit certificate. If it is a large deposit certificate, I think it is absolutely reliable to deposit it at an interest rate of 4.8% within 500,000 yuan.

A bank has 500,000 certificates of deposit with an annual interest rate of 4.8%. At present, at least the big banks don't have such a high deposit interest rate, which is generally 3.85% for three years. Now the deposit rate of the bank has come down. Recently, the original interest rate for large deposits was about 4.3%, but now it is gone. At least the big banks don't have such a high deposit interest rate now. If there is such a high deposit interest rate, one possibility is that small banks or credit cooperatives raise the deposit interest rate in order to pull deposits, and the other possibility is that some small banks have not completed the deposit task by the end of the month, and this deposit interest rate is very high in order to pull deposits to complete the deposit task. Under normal circumstances, large and medium-sized banks do not have such high deposit interest rates at present.

Another possibility is that some insurance products or other wealth management products sold by banks are definitely not bank deposits. The most terrible thing is that some bank presidents, in order to help enterprises finance, took the benefits of enterprises and used the tricks of lending to enterprises. This situation has also occurred in China's banking industry. Now there are several bank presidents who are willing to do anything for personal benefit. For depositors, we should not blindly pursue high deposit interest. The purpose of deposit is for safety, and deposit only when it is safe. If you can invest in high returns, you can choose other investment channels. Family savings are the most reliable family property, which is used for safety and prevention of other accidents.

So when you deposit money in a bank, you must ask clearly that the deposit is a legal deposit in the bank, and you must have a bank deposit certificate. As far as I know, large-scale bank deposits with an annual interest rate of 4.8% are not available in large and medium-sized banks.

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Very reliable. At present, the rated deposits of the four major banks are only about 4%, so the big banks you mentioned can reach 4.80%, which is really good.

If it is a so-called deposit business, as long as the scope of funds is guaranteed, there is no so-called risk concern.

According to national regulations, banks are now allowed to go bankrupt, but at the same time, a protection measure of deposit insurance treaty has been added, that is to say, the funds within 500,000 yuan are paid by 100%, and those above 500,000 yuan have to bear certain risks.

Therefore, if you want to make a large deposit, you should either choose those big banks that have a high probability of not closing down, or control your own funds within 500,000 to achieve 100% security.

On the other hand, there are many competitive private bank deposits in the market at present, and their deposit interest rates are basically higher than about 5.4%, which also has the advantage of taking and saving at will.

According to the time of your deposit, the income given is different. After more than three years, you can basically meet the income of more than 5.4%. For these private banks, it is also less than 500,000 100% compensation.

Therefore, if your capital does not reach 500,000 and you can't enjoy the large deposit standard of big banks, you can actually consider private banks. Because the interest rate is higher and the flexibility is stronger.

Pay attention to Zhang, don't get lost in the investment, there are dry goods in my column, welcome to "taste".

I have worked in a bank for many years and know something about it.

The annual interest rate is 4.8%. I don't know what the reliability of the topic means. If you mean security, as long as it is officially issued by the bank, there is no problem and you can buy it with confidence. If it means income, then I think it is still somewhat reliable, not too low or too high. In fact, these days are approaching the end of the year, the day of bank performance test, combined with this year's capital market, if I were you, I would really be a little dissatisfied with 4.8.

By the way, I'll tell you some related knowledge:

1.20 15 On June 2, the People's Bank of China formulated and issued the Interim Measures for the Administration of Large Deposit Certificates, which was used to standardize the development of large deposit certificates, broaden the market-oriented pricing scope of debt products and promote the market-oriented reform of interest rates in an orderly manner.

2. Deposits should be filed with the People's Bank of China before issuance to ensure safety and control. The standard term, the individual subscription amount is not less than 300,000 yuan, and the institutional subscription amount is not less than100,000 yuan. There are 9 varieties with term 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years. If you say 4.8, the deadline should not be very long.

You have a large deposit certificate, and if you have no money, you can go to the bank to make a pledge loan.

Although it's called a certificate of deposit, you don't actually have a certificate of deposit in your hand, because it's all electronic. Of course, you can check it through electronic channels at any time.

Due to the decline in the income of various wealth management products this year, the funds in the market are relatively tight, and many banks use large deposit certificates to collect deposits. I don't believe you go to various bank outlets. Many banks put posters of certificates of deposit in a conspicuous position in their business halls. Some small banks have raised the interest rate of personal certificates of deposit, which is 55% higher than the benchmark interest rate of the central bank, and the income is still objective.

6. Let's talk about financial management. Personally, I feel that I can configure a certain large deposit certificate. But I don't recommend that the ratio be too high. After all, the depreciation of funds is still fast.

Generally speaking, the bank's large deposit certificate starts at 200,000 yuan, not 500,000 yuan. The 500,000 deposits here may be due to the fact that on the basis of 200,000 deposits, several different levels are divided according to the different deposit amounts, and different large deposit interest rates are given. For example, if you give a large deposit certificate interest rate between 200,000 and 500,000, and a deposit interest rate of more than 500,000, then the above "500,000 deposits" most likely refers to this.

Is it reliable? The interest rate of the certificate of deposit itself is relatively high. The deposit interest rate that the bank can give is 4.8%, and it needs to deposit more than 500,000 yuan. Therefore, from this information, it is still very reliable and can be safely deposited.

As long as the deposits in the bank are protected by the Deposit Insurance Regulations, the principal and interest of more than 500,000 yuan will be fully guaranteed, and the maximum compensation for more than 500,000 yuan can only reach 500,000 yuan. In the domestic banking industry, private banks, local banks and other small banks have poor ability to resist risks and are more likely to fail.

China Industrial and Commercial Bank and other six domestic banks are in the leading position in the banking industry, and their stability affects the stability of the economy. If they fail, the consequences will be unimaginable. Therefore, the six major state-owned banks are relatively safe and stable, with the possibility and risk of bankruptcy, but the state will not let them fail as a last resort.

To sum up, if this bank is one of the six major state-owned banks or other powerful national joint-stock banks, it can be safely deposited in it. If it is a small bank such as a local bank or a private bank, it is not recommended to deposit in such a bank, because if it goes bankrupt, the initial deposit principal of more than 500,000 can only be recovered.

4.8%, is it a high interest rate? 4.8% is a high interest rate for state-owned big banks (the establishment of diplomatic relations between agriculture, industry and commerce+Postal Savings Office), 65,438+02 national joint-stock commercial banks and some regional banks (such as Bank of Beijing, Bank of Shanghai, Bank of Jiangsu, Bank of Ningbo, etc.). ), because at present, regardless of the starting point of these banks' certificates of deposit, the highest interest rate does not exceed 4.65,438+08%. If the employees of the above-mentioned banks tell you the five-year period, it is because the above-mentioned banks are restricted by interest rate self-discipline, and it is impossible to give an interest rate of 4.8% (equivalent to the benchmark interest rate rising by 75%, far exceeding the self-discipline of 50%).

However, this interest rate is not high in local small and medium-sized banks and private banks. Many banks don't need large certificates of deposit, which can reach more than 5% on a regular basis (such as Tianfu Bank, Jinzhou Bank, Minfeng Bank, Yilian Bank and Blue Ocean Bank). ), so if you deposit a large deposit certificate in a local bank, the 5-year interest rate of 4.8% is quite credible.

As a general deposit, certificates of deposit belong to the nature of deposit and are protected by the Deposit Insurance Ordinance. Therefore, there is no need to worry about its safety and reliability. As long as the bank where you deposit is not closed down, you will definitely pay it on time (if you want to withdraw it in advance, you can also pay the interest according to the file). Even if the bank goes bankrupt, you can still get 500 thousand compensation.

For you, if you are worried because you don't have a paper certificate of deposit (Article 5 of the Measures for the Administration of Large Deposit Certificates stipulates that large deposit certificates shall be issued electronically. But at present, many banks actually issue paper certificates of deposit. You can ask the bank to issue a certificate of deposit, or you can keep your own business documents or screenshots of electronic banking (mobile banking, online banking) as evidence. As long as the above documents show that you are handling a large deposit certificate, don't worry.

This situation mentioned by the subject is real.

The annual interest rate of bank deposit certificates is 4.8%, which is not very high. According to public media information, the interest rate of five-year time deposits in some banks once reached 5.50%, and now it is 5.45%.

The interest rate on bank deposits is relatively high. First, there are relatively small city commercial banks, rural commercial banks or rural credit cooperatives, and emerging private banks will have them.

Second, for three-year or five-year products with a long deposit period, the deposit interest rate may reach 45.5%.

The reason for this phenomenon is that commercial banks set their own deposit interest rates for market competition.

Due to various restrictions and unfavorable factors, it is normal market competition for small banks to take measures to increase deposit interest rates in order to attract deposits and expand their scale.

There are 500,000 bank certificates of deposit, with an annual interest rate of 4.8%, which is basically the interest rate of some small and medium-sized banks. You can deposit, because local banks are also protected by supervision and deposit insurance systems, so don't worry about unreliable problems. As long as the capital is less than 500 thousand, you can hold this interest rate.

First, the annual interest rate of 4.8% on certificates of deposit is cost-effective. If it is a rural commercial bank or a private bank, as long as the bank is legal and compliant, you can safely deposit, because the deposit insurance system issued on 20 15 has guaranteed the safety of depositors' funds. When depositors deposit their funds in the bank, they can safely hold the interest rate without worrying about any risks. Even if the bank goes bankrupt, there will be a maximum of 500 thousand funds to pay. As long as the funds do not exceed 500,000, this deposit is definitely reliable.

Second, CDs can pay interest monthly. The certificate of deposit can pay interest on a monthly basis, or you can choose to pay interest on a monthly basis. If it is not a certificate of deposit, but other wealth management products, this method will definitely not work. Then you shouldn't save it. After all, you have to choose a certificate of deposit. If it is really a certificate of deposit, you can safely deposit it, but this deposit must be for three to five years. If you are worried about risks, you can deposit no more than 500,000 in this bank. If you have other funds, you can deposit them in other banks.

To sum up, a bank has 500,000 certificates of deposit with an annual interest rate of 4.8%. If you are worried about wealth management products, you should understand clearly that large deposit certificates can be proved by banks to avoid the risk of purchasing wealth management products. However, the interest rates of some large deposit certificates of rural commercial banks are higher than 5%, and some smart deposits of private banks are 6%. You should know what kind of products they are first, so as not to affect the income at that time.

Thank you for your invitation. I have worked in a bank for many years. Let me answer this question briefly.

Reliable! Of course it is reliable!

I found the price of a deposit here, which is at least similar to the 4.8% you said.

Banks issue certificates of deposit mainly to solve the problem of deposit assessment, especially near the end of 2065438+2008, the deposit price may be further raised. I think it is reliable to temporarily increase deposits.

Above!