For example, in 213, Yu 'ebao was just launched, and many people didn't believe it. At that time, I told my friends that Alipay launched a wealth management product, which settled the income every day with an annual interest rate of 6%, and they all thought that the risk was too high. At first, everyone was in a wait-and-see state. Two years later, they accepted it one after another.
Now if you say that Yu 'ebao is risky, it is estimated that everyone will laugh at you. However, in some remote rural areas, some people still know little about Yu 'ebao and still feel that it is unsafe to put money in Yu 'ebao. By the same token, many people now put their money in Yu 'ebao and let him transfer it to a higher private bank deposit. He also feels unsafe.
This kind of problem is actually not surprising. If I don't do financial management and know little about private banks and deposit insurance systems, I will be worried when I see more than 5% of private banks' deposits. I won't know its advantages until I have a full understanding and time test.
The earliest private banks were established in 214. Most of them started their business in less than three years, only one or two years. Many people are not familiar with private banks and have a process of understanding and watching.
a colleague of mine called me to inquire about the deposit in private banks after reading my introduction this spring. At that time, a private bank had a deposit of 6%, and he decisively saved hundreds of thousands. Now he is very glad that products with such high interest rates can't be found.
So it's not that people don't want to deposit more than 5% in 2 banks, but because they don't know much about private bank deposits, are not used to the deposit methods of Internet banks, and are not familiar with the coverage of deposit insurance system.
For example, many people have asked me, why should private banks open electronic accounts for deposits? Are private bank deposits safe without paper certificates of deposit? Private banks don't have physical business departments, so where can I find them? What if the deposit is stolen? And so on, all kinds of worries are endless.
These problems are actually very simple. Electronic accounts, like bank cards of private banks, are now conducted through the Internet, and online customer service can solve all your problems. As for paper certificates of deposit, Yu 'ebao and WeChat Pay will not provide paper certificates of deposit. Isn't it equally safe? The most important thing is that private bank deposits are within the scope of deposit insurance protection, and deposits less than 5, yuan are guaranteed by the state.
At present, the deposit interest rate is not 5%. If there is, it depends on how many years.
it's hooliganism to talk about the interest rate without the deadline.
The table of interest rates for bank deposits in 219 is as follows:
The interest rate of 5% for bank deposits should be rare, even if there is, the term should be more than five years.
so, be careful not to be cheated first!
and now how many people dare to keep their money for more than five years?
if you know a little about investment and financial management, you won't choose a 5% fixed deposit.
With the inflation rate of 7%, this is not enough. What other choice is there?
5% fixed deposit: 5-year interest of 2,5 yuan
4% for one-year term financing, and the interest can be reinvested in a rolling way. After 5 years, it will be:
1 * 1.4 * 1.4 * 1.4 = 12,166 yuan
5 years is equivalent to earning 21,666 yuan. The interest in those five years becomes 2763 yuan
, which is not much different from the fixed deposit, but the liquidity of money is better. You can consider doing other things or investing
If you invest, the probability of income is higher than that of long-term fixed deposit
So, you should choose the investment channel according to your own ability
At the same time, remember that you must protect your capital and don't lose your principal
Hello friends!
the deposit interest rate of private banks is as high as 5% or more, and many people are reluctant to buy it. There may be three main reasons for this. One is that many people don't know, some people think it is inconvenient to trade, and some people think it is risky.
Many people don't know about these deposit products with relatively high deposit interest rate issued by private banks. At present, the People's Bank of China is only allowed to open a physical business hall. Therefore, the general private banks issue deposit products through the network and provide financial services through the network.
At present, private banks have issued many new deposit products through the Internet. These deposit products do have high interest rates, but these products are mainly sold through the Internet. Many people don't use the Internet, so they don't understand this matter.
many people don't know, so they won't buy these products.
Therefore, many people don't understand these deposit products issued by private banks, which is the reason why they are unwilling to buy them.
Although the interest rate of these deposit products issued by private banks through the Internet is relatively high, many people think that the transaction is inconvenient and they are unwilling to buy them.
If you don't have the experience of mobile phone financing, if you want to buy private bank deposit products on the Internet, you sometimes need to download third-party financial platform software, bind bank cards, or download the Bank of China APP. These preparations can be said to be cumbersome.
many people may think that the transaction is inconvenient when they look at this complexity, so they are reluctant to buy these deposit products.
Although private bank deposit products have higher interest rates, some people may think that these products are risky. Although private banks are legal and compliant, they are banking institutions approved by the People's Bank of China and China Banking and Insurance Regulatory Commission, but many people think that People's Bank of China has never heard of it, and its scale is small, and its popularity is not as big as that of the six state-owned banks.
Therefore, many people think that there may be risks, so they will not buy deposit products from private banks.
The following table shows the deposit interest rate table. The interest rate of five-year deposit products of private bank Yilian Bank reached 5.88%.
to sum up, although the interest rate of private bank deposits has reached 5%, many people don't deposit private bank deposits mainly because they don't understand, and they think it is inconvenient to trade, and many people think it is risky.
thanks for reading!
5% of the bank deposit, and you can take it as you deposit it, and interest will be paid by the file. Would you like to buy it as a depositor? The answer is yes, but why are fewer people buying smart deposits launched by private banks? In fact, the main reasons are as follows:
Although the interest rate of smart deposit products launched by private banks can reach above 5% and the highest can reach 5.68%, they can only be issued through internet financial platforms (or bank apps), and there are few sales channels!
Without an effective sales promotion channel, many depositors have never heard of it, and naturally they will buy much less of this product! If you haven't been exposed to this product at ordinary times and haven't understood it deeply, how can you let depositors take the initiative to buy it?
private banks are limited by the regulations of industry supervision, and there is only one outlet offline, and their publicity efforts are limited! If it weren't for the internet, I'm afraid more than 9% people didn't know that there was a bank called Yilian Bank!
in addition, compared with traditional banks, private banks have a late start, a smaller overall scale and a lower reputation! You let a depositor from Jiangsu go to Changchun, Jilin, and the offline outlets of UnionPay Bank to deposit money. This possibility is too low!
Therefore, depositors lack understanding of banks, which are far apart and only trade through the Internet. After all, they lack certain protection and don't see physical outlets, so they always feel uneasy!
one more thing, buying these "high-interest" deposit products is basically done through the mobile APP, and you need to open a bank electronic account first! This operation is a little cumbersome, and many depositors are unwilling to spend time to buy it!
in addition, depositors still have some concerns about the deposits in such small banks, fearing that the funds are not safe! This is also one of the reasons why many people are reluctant to buy such products!
Recently, some netizens asked why many people are reluctant to buy the 3-5-year deposit interest rate of private banks. If it is a big state-owned bank, I am afraid that such deposit interest rates will be spiked. In this regard, experts believe that it is only five years since the license of private banks was released in 214, and all sectors of society still don't know much about private banks. Moreover, the high interest rates offered by private banks are only known by people around them, and depositors may not be able to buy them in time if they want to.
in fact, the interest rate of private banks above 5% is really attractive, which is much higher than that of large state-owned banks. But as far as we know, depositors' deposits only stay in local small and medium-sized banks such as city commercial banks and rural commercial banks, and few people are willing to deposit their money in private banks. Why are few depositors willing to buy deposits from private banks?
first of all, private banks have just been established, even though there are only a dozen in China so far. Not even as early as foreign banks, the number is large. Moreover, the official operation of many banks is only in the last two years. This has led to the majority of depositors are not at ease with private banks, and always think that private banks are equivalent to private banks. If they are privately run banks, they do not belong to the formal banking category. What should I do if the client runs away with the money?
furthermore, private banks basically have no physical outlets, or the physical outlets of private banks are far less than those of state-owned banks. Most banks do business through the Internet. They don't even need to open a card for deposits. They just need to open an electronic account. Many people are very uneasy about this illusory thing, especially for middle-aged and elderly people. They are reluctant to deposit money in private banks. Even though the deposit interest rate of private banks is much higher than that of other big banks, people still think that private bank deposits are unreliable.
Third, it takes too long to deposit money. Most private banks generally have a deposit period of 3-5 years. Three years may be ok, but five years may be too long. Many people's money needs financial management, investment, and even a rainy day. Therefore, this leads them to choose some low-interest products that can be saved and taken at any time, so as long as there is income, regardless of the amount of income, because these funds are needed at any time, so naturally they will not save.
Now many depositors are asking whether it is safe for private banks to offer interest rates above 5%. In this regard, we believe that private banks' high interest rates have undoubtedly given everyone a new deposit channel. If your capital is less than 5, yuan and you can surf the Internet by mobile phone, there is no doubt that the fixed deposit of private banks is the best, safest and most profitable product. Of course, if you have 1 million yuan, you can also deposit it in three different private banks according to the ratio of 3,, 3, and 4,. This can not only ensure the safety of principal and interest, but also obtain higher interest income.
At present, there are two extremes for deposits in private banks. One is that many people want to buy but can't, and the other is that many people are unwilling to buy even if they see high interest rates offered by private banks.
For those who are willing to deposit their money in private banks, these people have relatively much investment experience and receive a wide range of information, so they know more about private banks and know that private banks are also regular banks, which are also strictly supervised by regulatory authorities and protected by deposit insurance regulations, so they are willing to deposit their money in private banks to obtain higher interest.
as for why many people are unwilling to deposit their money in private banks, I think there may be two important reasons. One is that private banks are unsafe to deposit money, and the other is that they receive less information.
Private banks are a kind of banks that have only appeared in recent years. Since 214, China has only approved the establishment of more than a dozen private banks, and many banks have officially operated only in the last two years.
Because private banks have been established for a short time, many people don't know much about private banks, and even think that private banks are equivalent to personal banks, and they don't belong to the formal banking category. And now many private banks don't have physical outlets. Most banks do business through the Internet. They don't even need to open a card for deposits. They just need to open an electronic account. For this illusory thing, many people are very uneasy, especially for middle-aged and elderly people. They think that private bank deposits are unreliable, so they don't want to put money into private banks, even though the deposit interest rate of private banks is much higher than other big banks.
as we all know, the interest rate of ordinary bank time deposits is relatively low at present, and the interest rate of most banks is within 4%, while the interest rate offered by private banks is relatively high. For example, the smart deposits launched by some banks can even reach 5.8% at maturity, which is about 2% higher than that of other big banks, equivalent to 1, yuan and 2, yuan more in interest a year, which is even higher than that of other big banks.
if other big banks could offer such high interest rates, they would have been robbed by everyone, but now these private banks still can't absorb deposits at such high interest rates. I think another important reason is that many people simply don't have access to such deposits.
At present, many banks do not have physical outlets, and the deposit business is mainly conducted online, such as through third-party platforms or their own official channels. For those middle-aged and old friends who don't often contact the Internet or don't understand the Internet, it is actually very difficult for them to contact these deposit information. Nowadays, many elderly people prefer to deposit money directly in banks. They are not familiar with online banking or mobile banking at all, let alone third-party platforms, so even if they want to buy deposits from these private banks, there is no channel to buy them.
So in reality, it's not that many people are unwilling to buy high-interest deposits from these private banks, but that they can't buy them at all.
However, I think everything needs a process. Private banks have been established for a short time, and it will take time to verify whether the deposits are safe at present. If private banks can stand the test of time and continue to maintain a high deposit interest rate advantage, I believe more and more people will choose to deposit their money in private banks in the future as they become more familiar with and understand them.
the highest interest rate of private banks' deposits has been more than 5%. At the beginning of 219, the highest interest rate of private banks' deposits was 6%. Now, although the deposit interest rate has dropped, the one-year interest rate of some private banks' deposits can reach about 5%, and the deposit interest rate is very strong. Under the premise that the deposit interest rate of private banks is so strong, why don't many people deposit private bank deposits? I think there are several reasons.
As mentioned above, the risks of bank deposits with principal and interest within 5, yuan are basically the same in all banks. The purpose of our financial management is to improve the yield as much as possible on the premise of ensuring safety. The interest rate of deposits in private banks has a greater advantage than other banks, so private bank deposits can be purchased, and I suggest buying them, so I will vote for them myself.