The main reason why Wechat Commercial Bank doesn't pay dividends is that at present, the regulatory authorities take 7.5% as the bottom line and reserve a buffer of 0.5 percentage point as the window guidance requirement for the core Tier 1 capital adequacy ratio. Shang Hui Bank said that maintaining a reasonable capital adequacy ratio is conducive to establishing a good market image, having a positive impact on the rating results of rating agencies, enhancing the confidence of shareholders, depositors and the public in the bank, and effectively controlling financing costs.

Is it reliable for WeChat Commercial Bank to save money?

The bank deposit in Shang Hui is guaranteed to be safe. Wechat Commercial Bank is a regular bank, a city commercial bank and a standard provincial state-owned enterprise. The whole bank is managed by the Organization Department of the Provincial Party Committee. The main business scope includes deposit and withdrawal, loans, money market business, investment transaction business and valet transaction. Bank of Shang Hui is the fifth city commercial bank in China with assets exceeding one trillion after Bank of Beijing, Bank of Shanghai, Bank of Jiangsu and Bank of Nanjing. Shang Hui Bank was formed by the merger of six city commercial banks in Hefei, Wuhu and Bengbu and seven city credit cooperatives in Lu 'an, Tongling, Huainan, Fuyang Science and Technology, Fuyang Xinying, Fuyang Yinhe and Fuyang Jinda. It was officially listed on February 28th, 2005. It is the first regional joint-stock commercial bank established by the joint reorganization of city commercial banks and city credit cooperatives.

What is the interest rate of WeChat commercial bank?

202 1, the interest rate of bank deposits in Shang Hui is divided into demand and fixed term. The annual interest rate in the deposit rate is 0.350%. The interest rates of time deposits are divided into lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, deposit and withdrawal, and deposit and withdrawal. The annual interest rate of lump-sum deposit and lump-sum withdrawal is three months 1.755%, six months 2.0 15%, 1 2.275%, two years 3.055%, three years 3.600% and five years or more 4.250%. Fixed income and fixed income accounts are converted at the same interest rate of 1 year 6. There are also agreement deposits and call deposits with annual interest rate of 1. 15% (1 day interest rate of 0.800%, 7-day interest rate of 1.350%).

Is Shang Hui Bank's financial management risky?

Financial management is risky. As long as you find something that suits your own conditions, the risk will be greatly reduced. For Shang Hui Bank's wealth management products, you can choose money fund. There is basically no risk. Most products are conservative. Moreover, the term of financial management is also very flexible, some are three months, and some are one year. You can choose according to your own economic situation. Because most of their products are external debt markets, they all have certain characteristics and their income is very stable. Although it may be bad, the risk is low and can be expected. Different people have different financial plans to choose from, so it is good to fully understand them.