At present, after the removal of bank deposit products from various Internet platforms, depositors are once again confused because they don't know where to find deposit products with higher interest rates. However, Mr. Dede said a long time ago that after the supervision of the deposit products of the Internet platform was stopped, the online banking APP and mobile banking APP of various banks would make a breakthrough in the deposit products, and they could directly deposit with the bank APP.
In some newly approved private banks, as well as some small and medium-sized city commercial banks and rural commercial banks, as long as they have obtained the direct banking license from the regulatory authorities, they can engage in the Internet to absorb deposits and issue loans. In the past, because there were few customers and the promotion effect of their own APP was not good, they cooperated with Internet platform companies to jointly market, sell their own time deposits and issue loans through the Internet platform.
But now the regulatory authorities have severely criticized this behavior, thinking that it is a "driving without a license" on the Internet platform, because the Internet platform has not obtained any qualification to sell deposit products on a commission basis, nor is it qualified to operate financial business. However, the suspension of deposits on the Internet platform does not mean that private banks can no longer absorb deposits in different places. They can still deposit through their own online channels and offline outlets, and private banks have complete financial licenses and deposit licenses.
At present, the marketization of deposit interest rate is still the mainstream trend, and private banks can flexibly set deposit interest rate standards according to their own business needs. So recently, we have seen some private banks take the lead in marketing their own apps and launched many good products. For example:
Wuhan Zhongbang Bank has begun to send short messages and various messages to all customers who have purchased bank deposit products through the Internet platform, and push the marketing bank's own applet, official WeChat account and online banking app to inquire about the information of deposit products and new deposit products held in the bank. Recently, the bank launched four series of products of "Zhonghuicun", which pay interest every 7 days, 90 days, 180 days and 30 days, with an annual interest rate of 3.65%-4%.
Weihai Blue Ocean Bank also pushes all customers. "According to regulatory requirements, the bank's deposit business is limited to some third-party platforms. In order to provide users with safer and more convenient services, all deposit businesses can be downloaded from Weihai Blue Ocean Bank App or handled through WeChat Bank. " As long as customers use the bank's own channels, they can enjoy higher and higher returns. Indeed, the best-selling products of banks mainly include time-bearing deposits and time deposits, with annual interest rates generally ranging from 1.65% to 4. 12%, with the highest annual interest rate of the latest five-year time deposits reaching 4.8%. Very tempting.
After the approval of Weizhong Bank, the first private bank, on 20 14, Wuxi Xishang Bank opened in 2020. In six years, the number of private banks has expanded to 19. Because of their late opening and small scale, they can only use innovative deposit products to absorb deposits, and they have given greater preferential interest rates. The regulatory authorities have also given some care, so in the past two years, we saw that the highest deposit interest rate products on the market were provided by private banks.
In the future, other private banks will also launch their own online banking apps and official WeChat accounts, which will be directly promoted in official website channels. Because there is now a system of three types of classified management of bank cards, it is not difficult to absorb deposits in different places. In the future, depositors should continue to pay attention to the deposit products on the private bank APP, and whether they will find some products with high interest rates.
To be exact, we should ask the current year instead of 202 1, because no one knows whether the interest rate will rise or fall in the next few days. At present, the interest rate of Liaoyang Bank for old customers is relatively high. It is suggested to save weekly dividends, monthly dividends and quarterly dividends as much as possible to keep your funds alive. When you need money, you can take it out on dividend day. Some products support old customers to renew their fees, some start to support them and then cancel them. As for which interest rate is higher, go to several platforms at a glance.