Which is better to save money, the Agricultural Bank or the postal service

Customers can handle deposit transactions at any branch of Agricultural Bank of China with their bank cards; If the deposit amount is less than 10,000 yuan (exclusive), the depositor's valid identity document is not required to apply for it in person or on behalf of the depositor; If the amount of a single deposit reaches more than RMB 10,000 (inclusive) and less than 50,000 (exclusive) cash deposit (with a card and not **), no valid ID card of the handler is required; For cardless deposits, the depositor's identity document is required; If it is a ** deposit, a valid identity document and a copy of the depositor must be provided; To handle a single cash deposit of more than RMB 50,000 (inclusive), the customer needs to provide a valid identity document; When it is used by another person, it is necessary to provide a valid ID card and a copy of the person. Corporate Card Deposits: Corporate cards cannot be deposited in cash.

Saving money is much the same, because the state controls the interest, and the opening of online banking is better than that of the postal service, and the Agricultural Bank of China only opened online banking last year, and the things in terms of online banking should not be perfect enough.

My personal suggestion is the postal service, I have been using it, and the service of the Agricultural Bank of China is very poor in rural areas or small counties.

If you want to open online banking, we recommend Agricultural Bank of China.

How to calculate the interest on bank demand deposits? It is known that there is a fixed fixed fixed deposit in the bank with a total amount m, and the annual interest rate is r. The bank will pay interest i=m*r every year.

If the bank settles interest semi-annually, then the interest rate is i=m*r 2 each time. Because the calculation is simple, I won't give an example of numerical calculation. How to calculate the interest on bank fixed deposits?

1.If you agree with the bank for a one-year fixed deposit, the bank will pay the principal plus interest p+i=m*(1+r 12) 12 after you have deposited for one year. The principal amount P is the total amount of the original deposit m.

The interest is i=m*(1+r 12) 12 - m. 2.If the agreement with the bank is for a one-year deposit and interest withdrawal, then the bank will pay interest i=m*r 12 every month.

This is a fixed amount. Treasury repurchase agreement (Repurchase Agreement; RP) How is interest calculated? It is known that you buy Treasury bonds from the bank, the amount is M, the annual interest rate is R, and the number of days you have agreed to undertake is T.

The bank will pay you interest i i=m*r*t 365 on the repurchase maturity date. Calculation of interest on bank loans. If you know the total amount of the loan m, the total loan term, and the interest rate r, you want to know how much the loan interest amount is equal to the principal and interest.

The calculation steps are as follows:1First, calculate the total amount of the loan m and the final value of the lump sum deposit to the end of the period fv fv = m * 1+r 12) n 2

Assuming that each installment of principal and interest is repaid and the value of the equal principal and interest is Po+io, the repayment of principal and interest for this continuous n periods will constitute an ordinary annuity and the final value of this annuity is FV FV = (PO+IO)* 1+R 12) N)-1) (R 12) 3Solve Eq. 1 and Eq. 2 to obtain Po+IO, that is, the equal amount of principal and interest PO+IO = [M * 1+R 12) n] [((1+r 12) n)-1) (r 12)] 4For example, the total loan amount m = 5,000,000, the total number of loan tenors in 20 years n = 240, interest rate r = , substituting into formula 3, the equal principal and interest value PO+io = 31, where the 1st month principal repayment PO= 1st month interest payment IO=18750 2nd month principal repayment PO= 2nd month interest payment IO= 3rd month principal repayment PO= 3rd month interest payment IO= 4th month principal repayment PO= 4th month interest payment IO= (The following analogy) 240th month principal repayment PO=The 240th month interest payment IO= The key to calculation is to calculate the equal principal and interest value PO+IO in the 3rd formula, and then find the interest first every month IT=The outstanding principal in the previous period * R 12 Then calculate the monthly principal repayment amount PT=(PO+IO)-The interest of the current month IT You see how good it is!

Postal savings deposits have the highest interest rates.

1. The interest rate of one-year deposit of more than 50,000 yuan of postal savings reaches the benchmark interest rate.

60%), other large state-owned banks.

The benchmark interest rate was raised by about 50%. The same is true for interest rate increases for other different deposit maturities.

2. For depositors, of course, the higher the deposit interest rate, the better. Large state-owned banks have relatively low interest rates, while small and medium-sized banks have relatively high interest rates.

3. If you ask about industry, agriculture, China, construction, and postal savings.

Which of these four banks has a higher interest rate, it can be said that the interest rate of the relatively weak postal savings is much higher than that of the latter, and one of the top four state-owned banks, the postal savings deposit interest rate is the highest.

Extended Information:1Regular interest rates.

higher than the current interest rate;

2.large state-owned banks;

3.The longer the deposit, the higher the interest rate. Due to the immortal dispute between several large state-owned banks, in the same region, under the same deposit type and time, ICBC, CCB, ABC.

There is not much difference between the deposit interest rate and the postal savings deposit, but the postal savings deposit interest rate will be slightly higher overall, but the difference is not large. If the deposit type and time are different, of course, you should choose according to the above two criteria. At the same time, since the four major state-owned banks and postal savings banks have given certain authority to regional branches, they can apply to the head office for an increase on the basis of the official website according to the actual situation of the region, so as to raise deposits in the face of fierce competition in the deposit business, but generally not more than 30%.

4.Judging from the current situation, since the Agricultural Bank of China is a large state-owned bank, the deposit interest rate is: one-year, two-year, and three-year.

Although the overall interest rate of ABC is not very high, it is still good compared to other large state-owned banks. Compared to the four major state-owned banks, the postal bank.

Although it is backed by the Post Group, due to its late establishment, in order to attract more depositors, the deposit interest rate of the Post Bank is much higher than that of the Post Bank. Four other banks. For example, the three-year interest rate of the Postal Bank has been reached, which has exceeded that of the Agricultural Bank of China.

If you want to earn higher interest, you can put your deposit in a credit union.

But this credit union must have deposit insurance.

Sign. At present, there are more than 4,600 financial institutions in China, more than 4,000 of which are covered by deposit insurance, and hundreds of which are not. As long as the credit union.

With the deposit insurance logo, you can be bold enough to save money. However, credit unions can go out of business due to poor management. Therefore, it is recommended that you do not deposit more than 500,000 funds in a credit union.

As long as the deposit is less than 500,000, the depositor's deposit income must be protected.

In fact, for those rural elderly who avoid all risks and only seek the safety of their funds, depositing their money in the Agricultural Bank of China and the Postal Bank is a good choice. To get a higher interest rate, you can opt for postal savings. However, some rural people want to keep their money in the bank and earn more interest.

It must be that the credit union has a higher interest rate. Of course, under the premise that the credit union has a "deposit insurance mark", as long as your funds in the credit union are less than 500,000, there is no problem with the safety of principal and interest.

In fact, there is not much difference in interest between the Agricultural Bank of China and postal savings, but it depends on the specific activities. Therefore, you can go to the Agricultural Bank of China and Postal Savings to consult first, and then compare to see which one has a higher interest rate before choosing.

Let me ask the question, which has the higher interest rate of the Agricultural Bank or the post office savings? I think it's because the Agricultural Bank of China has high interest rates.

Well, this interest is actually half a pound and eight taels is not high, if you really want to say that you expect interest to make a fortune, it is quite unrealistic, well, if you have this sense of financial management, I suggest that you can buy some relatively low risk**.

Different banks, different locations, and the amount of savings will affect the interest. It is advisable to inquire directly at the local bank.

It is recommended to choose the Agricultural Bank of China.

The predecessor of ABC can be traced back to the Agricultural Cooperative Bank, which was established in 1951. Since the end of the 70s of last century, ABC has successively gone through different stages of development, such as national specialized banks, wholly state-owned commercial banks and state-controlled commercial banks. In January 2009, ABC was restructured into a share****.

In July 2010, ABC was listed on the Shanghai ** Stock Exchange and the Hong Kong Stock Exchange.

ABC is one of the major comprehensive financial service providers in China, and is committed to building a world-class commercial banking group with obvious operating characteristics, efficient and convenient services, complete functions and synergy, and outstanding value creation capabilities. Mayer Brown leverages a comprehensive business portfolio, an extensive distribution network and a leading technology platform.

Provide a variety of corporate banking and retail banking products and services to our customers, and at the same time carry out financial market business and asset management business, and the business scope also covers investment banking, management, financial leasing, life insurance and other fields. By the end of 2016, ABC had total assets of 19.5 billion yuan, issued loans and advances of 9.7 billion yuan, and absorbed deposits of 15.0 billion yuan.

Capital adequacy ratio, the annual net profit of 100 million yuan. As of the end of 2016, ABC had a total of 23,682 domestic branches, including the head office, the business department of the head office, 3 franchised institutions of the head office, 37 first-level (directly subordinate) branches, 365 second-level branches (including the business departments of provincial branches), 3,506 first-level sub-branches, 19,714 grass-roots business institutions and 55 other institutions.

Overseas branches include 10 overseas branches and 3 overseas representative offices. ABC has 14 major holding subsidiaries, including 9 domestic and 5 overseas. Since 2014, the Financial Stability Board has included the Bank in the list of global systemically important banks for three consecutive years.

In 2016, ABC ranked 29th in the Fortune Global 500 rankings.

In the ranking of the top 1,000 global banks by The Banker magazine, ABC ranked 5th in terms of Tier 1 capital. ABC's Standard & Poor's issuer credit rating is A-1 and Fitch's short-term and long-term IDR is A F1.

Agricultural bank cards and postal savings cards cannot be compared with good and bad, and each has its own advantages.

The advantages of the Postal Savings Bank of China are as follows:

2. China Post is all over the countryside and cities, and the Postal Savings Bank of China has a cheaper handling fee, with a maximum of 50 yuan for postal savings and a cap of 100 yuan for the Agricultural Bank of China;

3. The interest rate of the Postal Savings Bank is higher;

4. There is no annual fee for the Postal Savings Bank of China;

5. The average balance in the card of the Postal Savings Bank of China is less than 100 yuan per quarter, and the Agricultural Bank of China will be charged if it is less than 500 yuan per quarter.

According to the Articles of Association of Agricultural Bank of China, the General Meeting of Shareholders is the authority of Agricultural Bank of China, and its main responsibilities include but are not limited to the following: to decide on the business policy and investment plan of Agricultural Bank of China; election, replacement and removal of directors, outside auditors and shareholder representative supervisors; Decide on matters related to the remuneration of directors and supervisors; deliberate and approve the report of the board of directors and the work report of the board of supervisors; deliberate and approve the annual financial budget plan, final account plan, profit distribution plan and loss recovery plan of Agricultural Bank of China; Issuance of corporate bonds or other valuable ** and listing plans, repurchase plans to make resolutions; Resolution on amending the Articles of Association of the Agricultural Bank of China; The rules of procedure of the general meeting of shareholders, the rules of procedure of the board of directors, and the rules of procedure of the board of supervisors were reviewed and approved.

The Postal Savings Bank of China and China Railway Group signed a strategic cooperation agreement, and the two sides reached an intentional cooperation agreement on investment and financing, electronic payment, cash management, fund settlement, etc., focusing on expanding the pragmatic and open "railway + finance" cooperation model, continuously improving the inclusive service capacity of railways and finance, providing high-quality and efficient financial guarantee for the railway of a transportation power, and providing transportation support for the implementation of major national strategies. Postal Savings Bank of China Co., Ltd. **** has major violations of laws and regulations, and illegally charges annual fees for unique accounts and small account management fees to some customers; Handling SMS charging business in violation of regulations without the consent of the customer; There are defects and deficiencies in the development, production, maintenance, and post-evaluation of the relevant functions of the information system; The content of the materials submitted to the regulatory authorities is not true; Failure to provide relevant documents for the preservation of business in accordance with regulatory requirements.

If you save money to eat interest, you should save and allocate the money to a bank with a relatively high interest rate, the Postal Savings Bank.

and the Agricultural Bank of China are both state-owned banks.

Among them, the interest rate on deposits of postal savings.

It is more flexible, generally higher than the Agricultural Bank of China in the same period, so it is better to keep the money in postal savings. When saving money, you also need to be careful to observe and do not buy insurance as a deposit.

It is relatively safe to keep money in banks, especially some large state-owned commercial banks.

Their status is relatively high, and it is impossible for them to go out of business, and it is impossible for them not to withdraw money. For example, some people have deposited their money in some village and township banks, although the names of each bank are different, but the controlling person after that is the same, and if there is a problem in one bank, the money of other banks may also be lost. Therefore, saving money must not only look at the interest, but also be down-to-earth.

After this incident, I believe that many people will keep their money in some small banks or private banks.

If you want to choose one of these two banks, you can see how much money you want to deposit, if the amount of deposit is relatively large, such as hundreds of thousands or even millions, it is best to choose a savings bank, because the interest rate of this bank is relatively high, which can naturally make you get a little higher interest. The difference between the interest rates is actually relatively small, but once the amount of the deposit increases, it will show a big difference. Just like if you take out a loan to buy a house, once it is bad, you can pay less than 350,000 yuan after 30 years.

Depositors can also go to the major banks and ask the managers, I am sure they will be very enthusiastic and will introduce you to a variety of deposit solutions.

When saving money, you can be properly sensible, don't believe the financial plan recommended by the staff, since you want to deposit, you need to set your ultimate goal in a chaotic way.