Which bank is better for fixed deposits?

At present, the highest yield is in private banks, such as Bank of Jiangsu, Bank of Nanjing, etc. Profitability is the most important place for depositors to choose time deposits, and if you choose a high interest rate on time deposits, you can go to private banks or regional commercial banks, after all, relatively small banks will have a relatively large amount of deposits.

In recent years, many private banks have positioned themselves in the Internet market, implemented the system of "one store and one bank", and launched deposit products with a yield of up to 6%, but at present, such products are still in the early pilot stage, and the rate of return should decline after the relevant policies are improved.

Extended Material: What is the difference between a state-owned bank and a private bank?

From the perspective of state-owned commercial banks:

First of all, the scale of funds of state-owned commercial banks, the perfection of the establishment of outlets, many of the outlets of state-owned commercial banks are the layout of the world, the ratio of self-owned capital to working capital is more in line with international standards, the management team qualification level is rigorous, the pattern view, business ability and management experience, more than private banks.

Second, the system construction and service standards of state-owned commercial banks, especially the basic system of banks, personnel professional standards, professional ethics, risk prevention, processes, and rules are incomparable with those of private banks.

Third, the absolute number of operating profits is incomparable with that of private banks. The level of support for the economy, the scope and audience of the impact service are not at the same level.

Fourth, state-owned commercial banks are still a step ahead of private banks in terms of their ability to develop business and innovate in their business. In particular, the state-owned commercial banking business ports of social public utilities, hospitals, schools, taxation and other APPs are more closely connected.

Fifth, state-owned commercial banks have better implemented the state's financial laws and regulations.

From the perspective of private banks:

First, private banks have a small share capital, so they have a strong ability to expand their share capital. More enterprising and motivated. Second, there are few branches of private banking institutions, so they will give preferential treatment to customers in terms of institutional interest rates.

Third, the building of the private banking system, especially business supervision, is not strong in its ability to prevent risks. There are relatively more cases involving economic disputes than state-owned commercial banks. As a matter of fact, many of the lessons learned by state-owned commercial banks have also been perfected after experience.

In short, the above is an analysis and comparison of state-owned commercial banks and private banks. The strength and anti-risk capability of state-owned commercial banks are still superior to those of private banks.

Deposit banks are the same, after all, they are all backed by the state, and banks will not fail. If it is good to deposit in a ** bank, it depends on which bank has a slightly higher interest rate.

I think the Bank of China will be better because the Bank of China will be safer and will guarantee our returns.

China Construction Bank, one of the four major banks, not only has a very good service attitude, but also ensures the safety of our funds, and its interest rate is also very high.

You can choose the Agricultural Bank of China, if you start from three years, the interest rate is about 3%, the income is much higher than other banks, and it is very safe.

China Construction Bank is good, and its attitude is much, much better than that of Agricultural Bank of China. My pension existed in the Agricultural Bank of China's trip to Xiaoxiang, and it was clear that it was gone, and it was quite 4 to 5 years to get a pension at the end of the year. It's very good to find them, their person in charge is not in contact, and I don't know who to look for when the monitoring is overtime.

Which bank is suitable for bank fixed deposit? Which banks have higher interest rates.

ICBC's safest interest rate is also high among the four major banks, and the service is good, and the business is complete.

The interest rate is high in the postal bank, and the insurance is the three major banks.

Whichever bank has the highest interest rate, deposit it.

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Hello! If you want a high interest rate, it is recommended to deposit to a local commercial bank, because the interest rate on commercial bank deposits is higher than the interest rate of the national bank, and the interest rate of this type of deposit is often as high as that of a five-year fixed deposit. The disadvantage is that there is a greater risk of bankruptcy and collapse of small city commercial banks or credit cooperatives, and if you are worried about this risk, it is best to control it within 500,000.

The maximum protection under the Deposit Insurance Regulations is $500,000.

The main principles of deposit are: first, convenient, close to your home; Second, the interest rate is high, after all, deposit income is also an important indicator to consider; The third is good service, although the current banking services are good, but there will still be some differences. Fourth, a bank only deposits 500,000 yuan, which can control the risk to the minimum.

Banks with high interest rates on fixed deposits: Postal Savings Bank, Minsheng Bank, urban commercial banks, rural commercial banks, credit cooperatives, and private banks.

1. At present, there are six large state-owned commercial banks in China, namely Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, Bank of Communications and Postal Savings Bank. Among them, the interest rate on deposits established by the workers and peasants is relatively low, and it is also the type of bank with the lowest deposit interest rate in the market at present, and the highest interest rate on ordinary deposits of these major banks is only about three years, and the interest rate on large-amount certificates of deposit is only about about that. Relatively speaking, the deposit interest rate of the Postal Savings Bank is relatively high, and the current three-year interest rate of the ordinary deposit of the Postal Savings Bank can be given about that, and this interest rate is much higher than that of the other five major banks.

2. Joint-stock banks include China Merchants Bank, Industrial Bank, Minsheng Bank, etc., the current deposit interest rate of these banks is similar to that of large state-owned banks, and the deposit interest rate of individual outlets will be slightly higher than that of large state-owned banks, but most of them are actually similar to the interest rates of several major state-owned banks, the interest rate of ordinary deposits is about between, and the interest rate of large-amount certificates of deposit is probably around.

3. At present, the deposit interest rate of city commercial banks is higher than that of other large banks, these banks mainly serve the region, and the customer groups are mainly in the region, in order to be able to compete with other large banks, their floating interest rates will be higher. For example, at present, some urban commercial banks can give about a three-year ordinary deposit interest rate, and even some banks can give it.

4. Rural commercial banks and credit cooperatives are actually the same system, and the deposit interest rates of such banks are relatively high at present, of course, it depends on the region, because the difference between deposit interest rates in different regions is relatively large. For example, in some rural commercial banks in remote areas, the interest rate for a five-year term can even be more than 5%, and the interest rate for ordinary deposits for a period of three years can also be given about that.

5. If you want to say that the bank with the highest deposit interest rate, it is none other than private banks, which are a type of bank that has only emerged in recent years, and these banks have few outlets and small scale, so in order to absorb more deposits, they will generally give higher interest. Especially in the past two years, the smart deposit interest rate launched by some banks is more attractive, and the five-year smart deposit maturity interest rate of some banks can reach about it, these deposits can be withdrawn in advance, and the early withdrawal is timed, and some banks can get an interest rate of more than 4% for early withdrawal after more than one year, and this interest is still very considerable.

The annualized rate of return of fixed savings in state-owned banks is similar, and it is recommended to choose local banks or joint-stock banks, which have higher annualized rates of return than state-owned banks.

Summary. Hello, 1. Postal Bank: Postal Bank only has a current account, and the rest of the fixed interest is higher than that of the five major banks, such as a three-year fixed term.

2. Industrial and Commercial Bank of China: The current interest of ICBC is only, the interest of three years and the interest of five years are all, which is relatively high interest compared with other banks. 3. Agricultural Bank of China:

The current deposit and fixed interest of the Agricultural Bank of China are the same as those of the Industrial and Commercial Bank of China, but the interest of the three-year fixed term and the five-year fixed interest is only. I hope it can help you, remember to help me like it, thank you.

Which bank is best for fixed deposits.

Hello, 1. Postal Bank: Postal Bank only has a current account, and the rest of the fixed interest is higher than that of the five major banks, such as a three-year fixed term. 2. Industrial and Commercial Bank of China:

ICBC's current interest is only, three-year interest and five-year interest, which is relatively high interest compared with other banks. 3. Agricultural Bank of China: The current deposit and fixed interest of Agricultural Bank of China are the same as those of ICBC, but the interest of three-year fixed and five-year fixed interest is only.

At present, the Agricultural Bank of China does not have such a high interest rate for three years.

Hello, the best at the moment is the postal bank, and the interest rate of the postal bank is still relatively high.

If you save money for a long time, Bank of China, Minsheng Bank, China Construction Bank, Postal Bank and Industrial and Commercial Bank of China are the best, among which the deposit in ICBC is the best, the main reasons are: ICBC is the largest Chinese-funded commercial bank in China, with about 20,000 to 30,000 business outlets in China, and the advantage of outlets is very obvious, which is one-third more than the second largest bank in China, that is, the outlets of China Construction Bank. At the same time, e-banking is very advanced, and ICBC has an IT team that other banks do not have, which is significantly higher than other banks in terms of e-banking security.

And the counter service is also very perfect, and the charge is also very reasonable. This is because the deposit interest rate of each bank is the same, and the interest is calculated according to the deposit interest rate stipulated by the People's Bank of China. Therefore, you can choose a bank that is closer to home and has a better service attitude to make a deposit.

Precautions for bank deposits

1. Reasonable choice of deposit term: within the cycle of interest rate hike, the term of time deposit should not be too long or too short, and the term of deposit should not exceed one year. For depositors who need money temporarily, it is best to use the monthly storage method, that is, depositors deposit a certain amount of money every month, and all certificates of deposit have the same age, but the maturity dates are 1 month apart.

2. The monthly deposit method can maximize the flexibility of savings, and depositors can withdraw mature or recent certificates of deposit if they need money temporarily, and can reduce interest losses.

3. Attention must be paid to the critical point of time deposit rollover. After the central bank raised interest rates, in order to cope with the adjustment of interest rates, many depositors chose the financial management method of time deposit replacement.

4. If the fixed deposit is withdrawn in advance, the income will be greatly reduced. Under the current savings regulations, if a deposit is withdrawn early, the interest can only be paid at the current deposit rate listed on the date of withdrawal. In this way, if the depositor withdraws the unexpired time deposit early, he will lose an interest income.

The larger the deposit amount and the closer to maturity, the greater the interest loss caused by early withdrawal of the deposit.

The five major state-owned banks have the same deposit interest rates for all maturities, and the interest rates are uniformly low. The annual interest rate of deposits of the five major state-owned banks is as follows: demand interest rate:

Lump sum deposit: 3 months, 6 months, 1 year, 2 years, 3 years, 5 years; Fractional deposit: 1 year, 3 years, 5 years.

However, the five major banks have all retained five-year deposits, and the interest rate on lump sum deposits and lump sum deposits is.

So, which bank has the highest deposit rate in 2015?

The highest interest rate on demand deposits: China CITIC Bank, Ping An Bank.

The interest rate of lump sum deposit and withdrawal (3 months, 6 months, 1 year) is the highest: China CITIC Bank, Ping An Bank, Everbright Bank, Industrial Bank;

The highest interest rate for lump sum deposit and withdrawal (2 years, 3 years, 5 years): Ping An Bank.

The interest rate of one-year deposit and withdrawal is the highest: China CITIC Bank, Ping An Bank, Everbright Bank, Industrial Bank;

The interest rate of the lump sum deposit (three-year) is the highest: China CITIC Bank, Ping An Bank, and China Everbright Bank;

The highest interest rate for zero deposit and lump sum (5 years): Ping An Bank.

To sum up, from the current point of view, Ping An Bank's deposit interest rates of all maturities are the highest. For the specific deposit interest rate, please contact the business outlets of each bank for details.

Which bank has the highest interest on fixed deposits?

Which bank has the highest interest rate on fixed deposits? If you don't choose well, you will lose a lot of interest.

You can go to the homepage of China Merchants Bank and select "Deposit Interest Rate" under "Real-time Financial Information" on the lower right side of the page to learn about the current deposit interest rate of China Merchants Bank.

Deposit Rate: The current deposit rate was adjusted and implemented on July 7, 2011. 1. Deposits of urban and rural residents and units (1) current account 2) fixed term 1Lump sum deposit and withdrawal for three months, half a year, two years, three years, five years, zero deposit, zero withdrawal, lump sum withdrawal, deposit and interest for one year, three years, five years, fixed life, two, according to the regular lump sum deposit within one year, the interest rate of the same grade will be discounted by 6.

2. Agreement deposits.

3. Call Deposit. Seven days a day.

Rural credit cooperatives should be the highest, at least higher than the major banks.

Go to industry and commerce and attract investment, take a look.

Deposit time post bank interest is high.

According to the statistics of 2023, the bank with the highest fixed deposit interest rate is Japan Post Bank. The one-year deposit interest rate of Postal Bank of China is, the two-year deposit interest rate is, the three-year deposit interest rate is, and the five-year deposit interest rate is. Interest rates are the highest in state-owned banks.

If you deposit 10,000 yuan in the postal bank, the one-year fixed interest is 225 yuan, the two-year fixed interest is 315 yuan, and the three-year and five-year fixed interest is 385 yuan.

Precautions for bank deposit periods:

1. The choice of bank.

Different banks have different interest rates on fixed deposits, and depositors can choose to deposit their money in banks with relatively higher interest rates.

2. Selection of term.

Generally speaking, the longer the term of a fixed deposit, the higher the interest rate, but when choosing a fixed deposit, depositors should not blindly choose a fixed deposit with a longer maturity, but should choose the best term of the fixed deposit based on their idle time.

3. The option of automatic rollover.

The bank can automatically sell the principal and interest of the mature deposit according to the same deposit period and transfer it, which is more tortuous than not redepositing, and there is no need to make another trip in person.

4. Avoid turning deposits into financial management.

Although the expected return of wealth management is higher than that of time deposits, the risk of wealth management is higher than that of time deposits, and there is a possibility of loss. <>