However, COVID-19 came without saying hello, and the job was quietly gone. I once saw a news report that a mother in a certain country only wanted to borrow 50 dollars from the bank, but she was turned away by the bank. Think about how sad this scene is. Fifty dollars is enough to make the mother feel humble. The so-called "don't bend over for five bushels of rice" is not applicable here, because if there is no money, her children will starve; For the sake of the children, she must put down her figure. Without money, people will really lose their dignity!
In China, this phenomenon is really rare. Because most people in China like to save for a rainy day, generally every family will save some money, enough for emergency use. Of course, many young people in modern society live a poor life, but I believe that after this year's events, they should also realize the importance of saving money.
Deposit is the greatest confidence! Whether you want to admit it or not, this is an indisputable fact.
However, we should not deposit indiscriminately, but choose the right way, so as to maximize the value of deposits. If you want to maximize the interest on time deposits, four months in a year is the best time to save money. Everyone must remember!
January and February are the Lunar New Year. In this period, people have a great demand for cash and need to withdraw a lot of money from banks, which will lead to the shortage of funds in banks. But banks also have targets to complete! At this time, in order to attract more people to deposit, banks usually raise the deposit interest rate.
June and 65438+February are also good times for time deposits. These two time periods are the time for banks to make semi-annual reports and annual reports. In order to make the data more beautiful, of course, performance needs to be improved. Then why do people choose this kind of bank deposit? The attraction of deposit interest rate is undoubtedly the most powerful. Therefore, when the pressure on deposits is high, banks usually attract depositors by raising the deposit interest rate.
In addition, the choice of bank for bank deposits will also directly affect the deposit interest rate.
State-owned banks have strong risk control ability, so the fluctuation of deposit interest rate is generally not too great; The deposit risk of private banks is relatively high, and the floating space of deposit interest rate will be greater. Generally speaking, I personally suggest that you choose city commercial banks or rural commercial banks as time deposits, because the risk control of these banks is not as good as that of state-owned banks, but they are also stronger, and the deposit interest rate generally rises more.
Taking Tieling Bank as an example, the interest rate of one-year time deposit can now reach 4. 15%. This interest rate is beyond the reach of many large deposit certificates of state-owned banks; But if you deposit in a state-owned bank, the current one-year deposit interest rate is only 1.75%, which is more than double the difference!
If the deposit amount is huge, exceeding 500,000 yuan, you can separate the bank deposits for fear of risks: you can deposit 500,000 yuan in this bank and another 500,000 yuan in another bank, without worrying about risks. Because according to the deposit insurance regulations, the same person's deposit in the same bank does not exceed 500 thousand, even if the bank goes bankrupt, he can get compensation. Therefore, friends who deposit less than 500,000 can safely deposit!