There are only tens of thousands of deposits in hand, what is there to do to make the money not depr

At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you visit our branches to consult the relevant advice of the wealth manager.

There are some possible imitation nuclear bonds:

1.Residents use it for consumption. As the economy recovers, residents may have increased their consumption and therefore reduced their savings.

2.Residents made an investment. Despite the weakness of the property market, other investment markets are likely to be relatively good, with many residents choosing to shift their funds to other investment areas.

3.Residents keep their money in other channels. Due to the low interest rate of banks, many residents choose to store their money in other places, such as Internet finance, Yu'e Bao, wealth management products, etc.

4.Residents transfer money abroad. Some wealthy residents may move their money to an overseas bank account because they believe that overseas funds are safer or that they are getting a higher yield.

In general, different residents have different habits of using money, and the reasons for the decrease in savings also vary from person to person.

1. The reason for the record deposits.

There can be a variety of reasons for record deposits. On the one hand, with the continuous development of China's economy, people's income level has gradually increased, and their savings capacity has also been continuously enhanced. On the other hand, due to factors such as the epidemic, people's consumption level has been affected to a certain extent, and many people have begun to choose to deposit excess funds in banks.

In addition, in recent years, we have also vigorously promoted financial management, pension and other policies, which have also indirectly promoted residents' savings. The impact of monetary policy: The central bank can influence people's willingness and behavior to save by adjusting monetary policy, such as lowering interest rates.

When interest rates are low, people are more willing to spend and invest their money rather than saving; When interest rates are higher, people are more willing to deposit their money in the bank for higher yields, which promotes the growth of deposits. When the economic situation is unstable or risky, people tend to prefer to deposit their funds in the bank for safety and stable income. For example, during a financial crisis or recession, people's savings tend to increase substantially.

When the investment market such as the ** or the real estate market is volatile, some investors may choose to transfer funds to bank deposits to avoid risks and maintain the value of assets.

2. The benefits of record deposits.

The benefits of record deposits are mainly in the following ways:

More money for the financial markets**. The increase in deposits can provide banks with more deposit funds, so that the scale of bank loans can be expanded, and more financial support can be provided for the real economy.

Promote the healthy development of the financial market. After absorbing more deposits, banks can provide more support for the real economy through investment, loans, etc., and at the same time, they can also provide more financial support for the capital market through the capital market and other channels to promote the healthy development of the financial market.

Promote the enhancement of residents' awareness of savings. The record amount of deposits indicates that residents are more conscious of saving, which is beneficial for the financial planning and long-term development of individuals and families.

3. The disadvantages of record deposits.

The disadvantages that can come with record deposits are mainly as follows:

Increase the risk of the bank. As the amount of deposits increases, so does the size of banks' liabilities, which can threaten the soundness of banks and have an impact on the financial markets as a whole.

Slowing down the flow of funds.

Slowing down the flow of funds. If a large amount of money is concentrated in banks, it may slow down the flow of funds, resulting in some funds not being able to flow to the real economy, thus affecting the development of the economy.

First of all, there are more deposits, and there are fewer channels to represent effective investment.

Under normal circumstances, the deposit means that most investors lack effective investment channels, and everyone invests in other products and does not make money, so they all come to save money. With the development of the economy, people's income levels are also rising, but there are not many effective investment channels, which leads to the accumulation of funds. In addition, there are certain risks in the current investment market, and many people are reluctant to take on high-risk investments, but choose to deposit funds in banks to ensure the safety and liquidity of funds.

Judging from the current market, most people in the current market have found that the income level of both the currency and the bond itself is not high, especially the bond type suffered a "Waterloo" last year, and it is so many investors who have begun to withdraw their money and deposit it in the bank, in order to lose a little less.

Secondly, more savings actually means that everyone is unwilling to spend money.

More savings means that everyone's consumption chaos and appeal tendency are relatively low, and everyone's confidence in the future is insufficient. At present, the world economy is under great pressure, and many people are full of uncertainty about the future development. In this situation, people prefer to keep their money in the bank in case they need it.

In addition, there are certain problems in the current consumption environment, many people feel that the cost of consumption is too high, and the psychological value brought by consumer goods is not worth it, so they are unwilling to consume a lot.

Especially in the past few years, affected by the epidemic, many companies are laying off employees and reducing salaries, which has led to a lack of confidence in whether the future income can grow.

Finally, the fact that there are more deposits also means that the vitality of the current market is limited. Boom.

The current market vitality is limited due to the large number of deposits, and only when everyone spends their money can they really promote economic growth. At present, China's economy needs more consumption and investment to drive economic growth, and more deposits mean that funds cannot be fully circulated and market vitality is limited. This will not only hinder economic growth, but also have a negative impact on employment and enterprise development.

Therefore, it is not a good thing to deposit too much. Although deposits can ensure the safety and liquidity of funds, too many deposits will lead to the accumulation of funds and low propensity to spend, which is not conducive to the long-term development of China's economy.

For example, the interest rate on a one-year fixed deposit is 5%, but the inflation rate is 5% over the course of the year, and the value of the money saved.

Because after a year, your 100 yuan becomes 100*(1+yuan), and after inflation, the actual purchasing power is only equivalent to the current yuan, which is lower than the purchasing power of 100 yuan when you deposited it.

Probably this is the truth, the inflation rate is high, that is, "money is worthless", and now the purchasing power of 100 yuan cannot catch up with the purchasing power of the previous "great unity 10 yuan". The inflation rate is inevitable, because the state also has a cost to issue money, so the result of the "money tax" is that even if there is no other economic recession and other factors, there will be a little inflation every year.

The ** of the outside commodity is rising every year, and the growth rate of your interest is lower than that of the price, so keeping money in the bank is a very undesirable financial management option now, basically losing money.

This is a somewhat general question. Personally, I think. If you have other projects to invest in.

If there is, and the annual income is higher than the bank deposit rate, then, it is recommended that you. Regardless of the trend of the yuan, it will be invested. If, for a while, there is no investment.

Hold it in your hand, and keep it in the bank. Generally speaking, if there is an investment, it will yield 10% benefit. That's pretty good investment.

Of course, due to the financial crisis, six percent, or so, can also vote. For example, from the bank, wealth management products. Treasury bills.

For example, investment and so on.

It's definitely not good after the devaluation! See if there is an investment project, otherwise the money will not be worth anything

After the depreciation, see if there is an investment project, if there is no deposit, it is best to invest in a project.