Tianfu Bank has an annualized deposit of 4.8%, but it needs to be deposited for 5 years. The risk depends on the overall profitability and capital adequacy ratio of the bank, so we need to pay attention to what conditions are needed for early retrieval. If there are idle funds to choose from, if money may be used in five years, it is recommended not to choose. If this deposit is written as an innovative deposit of a bank, it will be protected by the deposit insurance system within 500,000 yuan. However, this deposit has a term of 3-5 years, and if it is withdrawn in advance, it can only bear interest according to the current demand.

The tracking rating report of Sichuan Tianfu Bank shows that the main credit rating of the bank is AA+, but the rating outlook is adjusted from stable to negative. This means that the credit level of Tianfu Bank may decline in the next 12- 18 months. The reason for Tianfu Bank's downgrade is related to the decline in performance and asset quality.

In terms of performance, in 2020, affected by the policy of reducing fees and profits for small and micro enterprises and the adjustment of financial market business structure, Tianfu Bank's interest margin narrowed and its income declined. The annual operating income was 4.32 billion yuan and the net profit was 850 million yuan, down 9.5% and 4.2 1% respectively.

In terms of income decline, Tianfu Bank's corporate deposits dropped sharply, which was caused by poor overall deposit stability. By the end of last year, personal deposits of Tianfu Bank accounted for about 50%, time deposits accounted for about 6 1%, personal deposits increased by about 20 billion yuan, and corporate deposits decreased by about 20 billion yuan.

In addition, by the end of 2020, the bank's assets and liabilities due within 1 year accounted for 40% and 665,438+0% respectively, and the maturity gap within two to seven days at the end of the year was 6.27 billion yuan, which was a great pressure on liquidity management.

Tianfu Bank is the first city commercial bank to be downgraded by China Chengxin International this year. This year, only Guangzhou Rural Commercial Bank was downgraded by China Chengxin International Bank.

Tianfu Bank was established on June 9, 2002. Originally Nanchong City Commercial Bank, it was established on the basis of the original Nanchong City Credit Cooperatives and Nanchong City Credit Cooperatives Association. It was officially renamed on June 23, 20 17.