Ask for some knowledge about saving money in the bank

1.Regular savings or current savings. 2.

Earnings. 3.Account security.

The principle of saving in our country is:"Deposits are voluntary, withdrawals are free, deposits are interest-bearing, and confidentiality is reserved for depositors"。The cash held by individual residents is personal property, and no unit or individual may force it to deposit it in any way or not allow it to be deposited in a savings institution. Similarly, residents can withdraw some or all of their deposits at any time if they wish, and thrifts may not refuse to withdraw their deposits for any reason.

and pay the corresponding interest. The depositor's name, account number, amount, term, address, etc. are all personal privacy, and no unit or individual can inquire about the depositor's deposit without legal procedures, and the depositor must keep the depositor's secret.

Extended Information:1Savings on demand.

Lump sum savings refers to a type of savings that does not stipulate the deposit period, can be accessed by customers at any time, and the amount of deposits and withdrawals is not limited. Current savings is the most basic and commonly used deposit method of banks, customers can deposit and withdraw money at any time, and mobilize funds freely and flexibly, which is the basis for customers to carry out various financial activities.

The minimum deposit point for demand savings is 1 yuan, and the minimum deposit amount for foreign currency current savings is not less than 20 yuan or 100 yuan equivalent in foreign currency (different banks), and there is no limit to more deposits. A passbook will be issued by the bank at the time of account opening.

The interest is settled once a year with the passbook deposit and withdrawal.

Current savings are suitable for personal living and idle cash deposits, as well as the storage of working capital for business operations.

2.Save regularly.

That is, a kind of savings that agrees on the deposit time in advance, and can withdraw the principal and interest only after the deposit expires. It has a high accumulation capacity and is a relatively stable credit fund**. The starting point of opening an account, the length of the deposit period, the time and frequency of deposits and withdrawals, and the interest rate of regular savings vary depending on the type of savings.

There are four types of fixed savings in China: lump sum deposit, lump sum deposit, lump sum deposit, and principal and interest. The first two are the majority. In addition, there are:"Prize savings"with"Fixed savings"(Bearer certificates of deposit of a certain amount.)

as a certificate of deposit) and savings for the purchase of durable goods in combination with consumer credit. Extensive development of various forms of savings not only facilitates the different needs of depositors, but also helps banks to arrange the use of funds in a planned manner.

The fixed deposits of major banks in China mainly include: Lump sum time savings deposits, Lump sum time savings deposits, fixed savings deposits with interest on principal deposits, fixed savings deposits and call deposits.

Education Savings Deposits, Communication Deposits.

1. Depository institutions include: various commercial banks (such as: Bank of China, Bank of Communications, China Panwang Construction Bank, Agricultural Bank of China, Rural Credit Cooperatives, etc. and postal banks);

2. Types of deposits: demand deposits, time deposits, lump sum deposits, principal and interest withdrawals, education savings, etc.

1. Deposit time: customers can choose to deposit in the bank's deposit period, which is generally the first two months of each year, and the deposit interest rate will generally be increased if the bank deposits in this time range;

2. Deposit Huai Qitong method: There are many ways for customers to deposit, including the 12 certificate of deposit method, the Egyptian pyramid deposit method, etc., if the user correctly uses some deposit methods, he can not only obtain more and more deposit interest, but also maximize the benefits of his own funds;

3. Deposit products: Banks have a lot of deposit products, and customers can apply for large deposits under the condition that the economic conditions are relatively good, and the interest rate of large certificates of deposit is higher than that of general fixed deposits.

1.Current deposit The minimum deposit is 1 yuan, it is not limited to the deposit period, and customers can deposit and withdraw cash at any time with a bank card or a memory passbook, as well as a reserved password.

2.Time Deposit A fixed deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate of the deposit, and withdraw the principal and interest after maturity. However, it can be withdrawn in advance, but if it is withdrawn in advance, it will be partially withdrawn.

3.Agreement Deposit The target of agreement deposit is corporate customers, and its function is equivalent to that of demand deposit, but the income is much higher than that of demand deposit.

4.Call Deposit A call deposit is a deposit that does not have a fixed deposit period, but the depositor must notify the bank in advance when withdrawing.

Bank Deposit Tips:

1. Choose banks with relatively high interest rates for deposits, and on the whole, the interest rate of large certificates of deposit of smaller joint-stock commercial banks is higher than that of large joint-stock commercial banks.

2. Choose a long-term fixed deposit for investment, the fixed deposit is different according to the interest rate of the investment term, the longer the general term, the higher the interest rate of the fixed deposit, but the user should do a good job of capital planning.

3. Increase the deposit amount, the interest rate of the general large deposit is higher than that of the ordinary deposit, and the deposit interest rate with a high deposit starting point is higher than that of the deposit with a low deposit starting point, so the user can increase the deposit resistance, if the funds are relatively large, you can choose a large deposit.

Banking Tips:

1. Choose wealth management products according to risk tolerance: investors with low risk tolerance can choose products with a risk level of R2 and below, and investors with a high risk tolerance can choose products with a risk level of R3 and above.

2. Choose financial products according to the investment period: investors with high liquidity requirements can choose short investment period or financial management; Investors with low liquidity requirements can choose wealth management products with a long investment horizon.

3. Choose financial products according to the income: the risk is proportional to the return, the greater the risk, the higher the expected return, and in the case of the same risk level, you can choose financial management with a high rate of return.

The method of reconciling bank deposits is to reconcile the bank deposit journal with the bank statement on a regular basis. If there is a difference between the book balance of the company's bank deposit and the balance of the bank statement, the "Bank Deposit Balance Reconciliation Statement" should be prepared for reconciliation, and if there is no bookkeeping error, the balance of both parties after reconciliation should be equal.

The verification method of bank deposit is as follows:

1. According to the economic business, the type, number and amount of the settlement voucher, check the bank deposit journal and bank statement day by day, and mark the amount with a pencil if both parties have records;

2. Find out the outstanding accounts (i.e., the unmarked amounts in the bank deposit journal and bank statement);

3. Fill in the month-end balance of the journal and statement and the outstanding accounts found in the "Bank Deposit Balance Reconciliation Statement", and calculate the adjusted balance;

4. The "Bank Deposit Balance Reconciliation Statement" with the adjusted balance shall be signed and sealed by the competent accountant and delivered to the opening bank.