But has the deposit interest rate also dropped in the past year? Not exactly. In fact, the deposit interest rate of 20 18 is rising slowly.
Let's take a look at the average interest rates of deposits of various maturities from June 20 18 to June 0/2:
On the whole, the deposit interest rate rose slightly, reaching the highest level in the whole year in June 5438+February.
20 19 the keynote of the central bank's monetary policy is stable and neutral, but at the same time, in order to promote economic development and reduce the financing costs of small and medium-sized enterprises and private enterprises, RRR reduction, reverse repurchase, MLF and other operations will still be used to ensure the balance of funds, so the market interest rate will continue to decline this year.
In my opinion, the deposit interest rate of 20 19 will not increase or decrease significantly. The deposit interest rates of most banks will remain stable, and individual banks will make small adjustments according to their own funds.
How can the deposit interest be higher?
1, the deposit interest rate of private banks is higher than that of physical banks, and the deposit interest rate of local small banks is higher than that of state-owned banks.
At present, the deposit interest rate of many private banks can be as high as 5% or more, and very few city commercial banks or rural commercial banks can reach it, but the maximum five-year deposit interest rate of state-owned banks will not exceed 4%, even for large deposit certificates of 200,000 yuan, the maximum is only 4. 18%.
Private banks have no physical outlets, deposits are difficult to collect and operating costs are low, so the deposit interest rate is the highest.
2. The longer the term, the higher the deposit interest rate.
It is generally recommended that you deposit for 2-3 years, and the interest rate is relatively high, which can outperform the yield of the money fund. The interest rate within 1 year is too low, generally below 2%, and the five-year period is too long, which is not much different from the three-year interest rate.
3, more than 200 thousand yuan to choose a large deposit certificate.
The interest rate of certificates of deposit is still much higher than that of ordinary deposits. The interest rates of 3-year and 5-year certificates of deposit in many banks are all above 4%, and the highest is 4.2625%. Large certificates of deposit can also bear interest by file, and as long as they are deposited, they have to pay interest for the corresponding period. However, the threshold is high, 200,000.