The main reason is that banks adjust the interest rule from the original benchmark interest rate * multiple to benchmark interest rate+basis point, and different commercial banks also give different upper limits when pricing. For example, some local small and medium-sized banks still have deposit products with deposit interest rates exceeding 4%. The purpose of the central bank is to better serve the real economy and reduce the loan cost of enterprises. Will the bank's deposit interest rate be raised?
At present, it may be difficult to raise the interest rate of banks. In addition to adjusting the interest rules, the central bank recently lowered the deposit reserve ratio by 0.5%, which released excess funds and indirectly eased the war between banks. Therefore, at present, banks, especially those state-owned banks, are not short of deposits at all, and it is unlikely to raise the deposit interest rate when the willingness of banks to save is low. What should we do in this situation?
For this kind of thing, we can only treat it normally, because with the future economic development, the bank's deposit interest rate will only get lower and lower, and even negative interest rate will appear, so the best way is to choose other financial management methods.
For example, you can buy those low-risk wealth management products. At present, the annualized rate of return of R 1 and R2 low-risk wealth management products of banks can still be maintained at around 4%. The annualized rate of return is almost as high as the previous three-year certificates of deposit, and the threshold is not as high as that of certificates of deposit, which requires 200,000 yuan.
Or you can buy bank shares and wait for the annual dividend. According to the dividend situation of China Merchants Bank and other listed banks in recent years, basically the annual dividend income will be higher than the bank's interest, and the annualized rate of return can generally reach 5% to 6%. And the longer you hold it, the higher the value of your bank shares will be. After all, economic development is long-term, and the probability of losing money by holding bank stocks for a long time is very small.
Of course, although the above two financial management methods are low-risk, they are still risky anyway, which may not be suitable for those who can't afford the risk. Then, if you want to get a deposit product with high interest rate and guaranteed interest, you can only deposit your money in these local small and medium-sized banks. The deposit pressure of these banks is relatively small. Although the deposit interest rate has been lowered recently, the maximum deposit interest rate can still reach 4%, which is quite good at present.
At present, putting money in the bank regularly can't beat inflation. If you want to keep your savings from depreciating, you can only choose risky financial management methods. Of course, for middle-aged and elderly people who can't afford risks, time deposits, certificates of deposit and national debt are more reliable and safe. Finally, the problem comes. Do you have any better financial management methods? Finally, I want to make it clear that I will only represent my personal views in the future and will not make investment suggestions.