Is there any risk in the peace of mind of CMBC mobile banking? Let s talk about what I have saved

Anxin storage business introduction:

"Deposit-assured" is a RMB special time deposit product provided by our bank to customers, which is included in deposit insurance to guarantee principal and interest.

1.Minimum deposit amount: 10,000 RMB, there is no requirement for the purchase increment amount, and it can be accurate to the score.

2.The deposit period is divided into: 1 year, 2 years, 3 years and 5 years;

3.Expiration method: After the expiration of the "Safe Deposit" of the debit card, the principal and interest will be transferred to the contracted account in two installments, and the "Safe Deposit" account will be automatically closed.

Please refer to the branch information for branch featured products.

Minsheng Bank's "Secure Deposit" is a RMB special time deposit product provided by the Bank to customers, which pays interest to customers on a monthly basis according to the agreed deposit period and interest rate of the product. Launched on November 23, 2017. Support multiple early withdrawals, and when withdrawing early, the interest rate of the fixed deposit of the bank's listed lump sum deposit corresponds to the actual deposit period of the withdrawn principal, and the excess interest paid will be refunded and the deficiency will be compensated.

This is a deposit product, there is no risk, at least in the range of 500,000 capital protection.

I would also like to ask if there is a risk in peace of mind.

Staff Producer Zhu Min, Shunji Oga.

Summary. Minsheng Bank has no risk in peace of mind. There is no risk to people's livelihood.

As a time deposit product launched by Minsheng Bank, Minsheng Safe Deposit is a time deposit product with guaranteed principal and interest. Even if the bank is facing the risk of bankruptcy, it can enjoy full compensation within the principal and interest of 500,000 yuan. In addition, the minimum deposit amount of Minsheng Bank is relatively low, with a minimum deposit amount of 10,000 yuan, and there is no requirement for the increase in the amount of purchases.

As a fixed deposit product, Minsheng Anxin Deposit also supports early withdrawal, and the capital flexibility is relatively good, although early withdrawal will lose a certain amount of interest income, but it can be withdrawn in advance when funds are urgently needed, or it can alleviate the user's capital turnover problem.

Minsheng Bank has no risk in peace of mind. There is no risk to people's livelihood. As a time deposit product launched by Minsheng Bank, Minsheng Safe Deposit is a time deposit product with guaranteed principal and interest.

Even if the bank is at risk of bankruptcy, it can enjoy full compensation within 500,000 yuan of deposit principal and interest. In addition, the minimum deposit amount of Minsheng Bank's peace of mind deposit is relatively low, and the initial deposit amount is 10,000 yuan, and there is no requirement for the increase in the amount of purchase, which is low. As a time deposit product, Minsheng Anxin Deposit also supports early withdrawal, and the capital flexibility is relatively good, although it will lose a certain amount of interest income if it is not withdrawn in advance, it can be withdrawn in advance when funds are urgently needed, or it can alleviate the capital turnover problem of users.

Minsheng Bank's "Ming-type Secure Deposit" is a RMB special time deposit product provided by Minsheng Bank to customers, which pays interest to customers on a monthly basis according to the product's approximate deposit period and agreed interest rate. Launched on November 23, 2017. Support multiple early withdrawals, and when withdrawing in advance, the interest rate of the fixed deposit of the bank's listed lump sum deposit corresponds to the actual deposit period of the withdrawn principal, and the interest rate of the paid interest is refunded and the underpayment is made.

In China, banks represent the credibility of the country, and any bank is backed by the credibility of the state. There is no phenomenon that the funds cannot be retrieved after the bankruptcy. At present, deposits are still very safe in banks, and ordinary people can not worry about it at all.

Even if banks are liquidated in the future, the deposit insurance system that will be introduced will create another safety net. The recent "missing deposits" incident is more or less related to violations of rules and disciplines, or bank irregularities, or depositor greed.

China Minsheng Bank is the first national commercial bank established by private capital in Chinese mainland, established on January 12, 1996. Major major shareholders include Liu Yonghao's New Hope Group, Zhang Hongwei's Oriental Group, Lu Zhiqiang's China Oceanwide Holdings Group, Wang Yugui's China Shipowners Mutual Insurance Association, Chinese Life Insurance Co., Ltd., Shi Yuzhu and others.

Banks are financial institutions established in accordance with the law to engage in monetary and credit business, and are the products of the development of the commodity and monetary economy to a certain stage.

Banks are divided into ** banks, policy banks, commercial banks, investment banks, and the World Bank according to their types, with different responsibilities.

State-owned policy banks: including the Export-Import Bank of China, the Agricultural Development Bank of China, and the China Development Bank.

Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS, Société Générale, etc.

World Bank: Used to finance countries to overcome poverty, institutions have a unique role to play in their mission to alleviate poverty and improve living standards.

The A shares of Minsheng Bank were publicly listed on the Shanghai ** Stock Exchange on December 19, 2000, and the H shares of Minsheng Bank were listed on the Hong Kong ** Stock Exchange on November 26, 2009. In 2018, it ranked 251st in the Fortune Global 500 list. On June 26, 2019, eight banks, including China Minsheng Bank, launched the first batch of enterprise information online verification systems.

Summary. 2. The deposit interest rate is different, and the minimum deposit rate is 10,000 yuan (inclusive) for one year, and the interest rate is for a minimum deposit of 10,000 yuan (inclusive) for two years; 10,000 (inclusive) minimum deposit for three years, interest rate, 10,000 (inclusive) - 50,000 deposit for five years, interest rate, 50,000 (inclusive) or more than five years, interest rate; For large certificates of deposit of 200,000, the interest rate for one year is, the interest rate for two years, three years, the interest rate for five years, and the interest rate for five years, of course, the interest rate may be different for different branches.

Hello, specially invited Jin Liang Chairong analyst, good at, legal advice, financial investment, loan processing, overdue loans, engaged in the financial industry for ten years, with 5 minutes to sort out the answer thank you

Dear I'm glad you asked your question which is safer, Minsheng Bank's peace of mind deposit or large-amount certificates of deposit, "peace of mind deposit belongs to time deposits, and like large-amount certificates of deposit, they are all products of rigid payment. In fact, both of them, I think are safe and reliable, even if the bank fails, the state will pay for it.

Minsheng Bank's peace of mind deposit and large-amount certificates of deposit are both savings deposit products, and they have the following differences: 1. The minimum deposit amount of the deposit is 10,000 yuan, while the minimum deposit amount of the large-amount certificate of deposit is 200,000 yuan.

2. The deposit interest rate is different, and the minimum deposit is 10,000 yuan (inclusive) for one year, and the interest rate is dry key, and the minimum deposit of 10,000 yuan (inclusive) is two years, and the interest rate is no oak qiao; 10,000 (inclusive) minimum deposit for three years, interest rate, 10,000 (inclusive) - 50,000 deposit for five years, interest rate, 50,000 (inclusive) or more than five years, interest rate; The large certificate of deposit is 200,000, the interest rate of one year is one, the interest rate of two years is, the interest rate of three years is three, the interest rate is five years, the interest rate is, of course, different branches may have different travel rates.

3. The interest settlement rules are different, and the interest payment methods for large-amount certificates of deposit include one-time interest payment at maturity, quarterly interest payment, semi-annual interest payment, and annual interest payment; Donglian and Anxin Deposit pays interest on a monthly basis according to the agreed deposit period and agreed interest rate of the product, and supports multiple early withdrawals. At the same time, Minsheng Bank's peace of mind deposit and large-amount deposit can be handled at the counter, online banking, and mobile banking, as well as the principal can be withdrawn in advance.

Minsheng Bank. Deposit with peace of mind and regular certificates of deposit.

Both are a kind of savings deposit product, and they have the following differences:

1. The minimum deposit amount is different.

The minimum deposit amount for peace of mind deposit is 10,000 yuan, while the minimum deposit amount for large certificates of deposit is 200,000 yuan.

2. Deposit interest rates are different.

Deposit 10,000 (inclusive) for a minimum of one year, the interest rate is, deposit 10,000 (inclusive) for two years, the interest rate is; 10,000 (inclusive) minimum deposit for three years, interest rate, 10,000 (inclusive) - 50,000 deposit for five years, interest rate, 50,000 (inclusive) or more than five years, interest rate; For large certificates of deposit of 200,000, the interest rate for one year is, the interest rate for two years, three years, the interest rate for five years, and the interest rate for five years, of course, the interest rate may be different for different branches.

3. The rules for interest settlement are different.

The interest payment methods for large-denomination certificates of deposit include one-time interest payment at maturity, quarterly interest payment, semi-annual interest payment, and annual interest payment; On the other hand, Anxin Deposit pays interest on a monthly basis according to the agreed deposit period and interest rate of the product, and supports multiple early withdrawals.

Extended Information:1"Deposit with Confidence" is a RMB special time deposit provided by the Bank to its customers.

The product will pay interest to the customer on a monthly basis according to the agreed deposit period and the agreed interest rate of the product. Deposit insurance is included.

Principal and interest guaranteed. 1.Minimum Deposit Amount:

10,000 yuan, there is no requirement for the purchase increment amount, and it can be accurate to the point. 2.The deposit period is divided into:

one, two, three and five years; 3.Expiration method: The signing voucher is a debit card.

After the maturity of the "Safe Deposit", the principal and interest will be transferred to the contracted account in two installments, and the "Safe Deposit" account will be automatically closed. Customers who have signed a certificate of deposit and are required to bring the certificate of deposit to our branch to cancel their account.

2.The bank acceptance bill shall be charged a handling fee of 5/10,000 to the applicant according to the face value, and the handling fee shall be 10 yuan if it is less than 10 yuan. The acceptance period shall not exceed the state shed for a maximum of 6 months.

If the applicant fails to pay the bank acceptance bill when due, the overdue penalty interest shall be calculated according to the regulations. The bank acceptance bill margin refers to the deposit submitted by the enterprise to the opening bank.

When applying for the business of bank acceptance bill, as the drawer of the bank acceptance draft, according to his own credit rating in the opening bank (acceptance of the bank).

The funds required to be paid at maturity by the guarantee banker's acceptance.

Minsheng Bank's peace of mind deposit can be principal guaranteed.

Minsheng Bank Anxin Deposit is a bank savings deposit product, a deposit that can realize the interest calculation of the file. According to the introduction of the product, please note the words on it, using the "annual interest rate."

Instead of words such as "expected return", only deposits and Guohuai regret bonds can use the words fixed coupon rate in the bank's products.

Principal and interest are paid rigidly.

Other products such as wealth management and ** are all expected returns, which is an uncertain value, and there is no possibility of rigid payment. Supporting the calculation of interest by the file, which can reduce the interest loss of customers who withdraw early.

Anxin Deposit is a bank savings deposit product of Minsheng Bank Fa Ye Yan Bank, which has been favored by many savings customers to realize the deposit advantage of relying on the file to calculate interest. In this process, some friends will raise such doubts: is it cost-effective for people's livelihood to save for a few years?

Are there any deposit tips? Today, I will talk to you about how to save people's livelihood with peace of mind, and it is cost-effective to save people's livelihood for a few years.

How to calculate the interest on the deposit with peace of mind

Assuming that you save 100,000 yuan and the deposit period is 3 years, then you can get about yuan every month (annual interest rate, if you take out the principal in advance during this period, and the deposit time is less than 3 years, don't panic, at this time, you can calculate the annual interest rate for 2 years (annual interest rate, then you can get about yuan every month.)

It is cost-effective for people's livelihood to save for a few years

1. The longer you deposit, the more you can expect to return.

As we all know, the level of deposit interest is related to the term of the deposit, and the longer the deposit term, the higher the interest rate, and the more expected income will be obtained.

So if your deposit has been idle for a long time, the longer you choose, the higher the annual interest rate and the higher the monthly interest rate you will get, without the arrangement of other investment decisions.

2. Use the interest calculation to reduce the interest loss.

If you are not sure about your deposit period and capital needs, you can choose a longer deposit period and get interest according to the period.

If you choose 3 years, when the deposit period has exceeded two and a half years, then it is not cost-effective to calculate the interest rate according to two years, and you can choose to withdraw at maturity. Or you can withdraw the funds in just two years, reducing the "window period" of funds.

Finally, it is believed that funds can be deposited separately, some of which are long-term deposits with high interest rates, and some of which are deposits with a slightly shorter maturity, in case of emergency.