Is it safe for the big four banks to have large fixed deposits?

is also relatively safe.

However, often we have large fixed deposits, there are still risks, so the four major banks are relatively stable, so it is relatively safer.

In fact, there is no need to dwell on it, after all, it is relatively safe to deposit large fixed deposits in the bank, and if you are looking for the kind of big bank, then the stability will be stronger.

Deposits in the four major state-owned banks are very safe.

First of all, the four major banks are extremely strong, ranking among the top in the world, and domestic banks are in the vanguard, with large business scale and comprehensive stability.

Second, the four major banks are state-owned banks with high reputation, strict supervision, standardized business, and good services.

Thirdly, the fixed deposits of the four major banks enjoy the insurance system, so they are very safe.

Large fixed deposits in the big four banks are still very safe. After all, it is a state-owned bank. However, according to the law, if the bank is thinking about the problem, the maximum amount of compensation is 500,000 yuan. Therefore, if you have a large amount of deposit, you should deposit in a few more banks.

Of course, it is safe, and these four major state-owned banks have national credit as a guarantee, that is, the national guarantee, which is definitely the safest.

Large fixed deposits in the four major state-owned banks should be the safest, because China's state system determines the safety and stability of the state-owned banks.

I don't think it's a big time deposit with the big four banks. It's safe. If it exceeds 500,000.

Once there is a problem with the big four banks, then the deposit of more than 500,000 yuan. Nine the other part is not ***. Only 500,000, guaranteed, so to speak.

Not safe. The risk of large time deposits is basically zero.

For deposits, the four major state-owned banks should be the safest, these banks have strong financial risk control capabilities, have a professional financial team, have high-end talents, and have the protection and support of the state, whether it is a large deposit or an ordinary deposit, it is the most reassuring to put in the four major banks, if even the four major state-owned banks do not trust, then there is no bank worth trusting.

The fixed deposits of the four major banks are quite safe.

Because it is one of the four major banks, it is still guaranteed to save money.

Large fixed deposits in the big four banks are safe, because the big four banks have a strong economic foundation and backing, so I think time deposits in the big four banks are the safest.

Hello, I think it's safe, why? The four major banks are state-owned enterprises, which are the pillars of the national economy, and the state will definitely support them, and the probability of danger is almost 0, so you can rest assured that you can deposit, but the interest rate is not very high, which needs to be taken into account.

Are large fixed deposits in the big four state-owned banks safe?

Of course, it is safe, the four major banks are state-owned banks, and they all pay deposit deposits in the central bank; Moreover, there is an insurance system for deposits to escort customers' deposits, state-owned banks belong to state-owned enterprises, all assets belong to the state, and they will certainly not collapse and collapse, and the safety of deposits is not something we have to worry about.

Therefore, it is guaranteed and there is no need to worry about it.

In our four major banks to make a fixed amount of fixed deposits, it is relatively safe, as long as this kind of large amount of deposits still exists, the four major banks are the safest, and if the large amount is vip, so some business is more convenient, and the deposits are relatively safe.

Hello, as a large national financial institution, the four major banks should have no problem, this is the foundation of China's financial system, and there will definitely be no problem.

Security: The funds in the usual bank card are stolen, but they are only current, and they cannot be withdrawn when they are done regularly; Convenience: Just one card, no need to carry a passbook. If you need to withdraw in advance, you can use your card to apply at the ATM or at the counter.

China's four major banks, the Bank of China, the People's Bank of China, the Construction Bank, the four major banks that support China, these four major banks belong to the state, only the People's Republic of China exists, then, these four major banks will not fail at all, so it is absolutely safe to say that the money charged in the bank is absolutely safe.

Safe. In China, the safest banks are the four major banks, and domestic bank deposits are protected by deposit protection regulations, and compensation is guaranteed within 500,000 yuan.

Our subway deposits should be safe, because the four major banks have the support and guarantee of the state's finance, and the four major banks can withdraw all the money since the deposit of 500,000 yuan.

I think it should be safe, and if the big four banks are not safe, I can't believe anything else.

Large fixed deposits in the big four banks are generally safe, except for some employees who take advantage of bank loopholes.

As one of the four major banks in China, if it is a large amount of time deposits, I personally think it is very safe, as long as it does not exceed more than 500,000 yuan.

Large fixed deposits in banks are very safe so far, after all, they are the state. Well, I'll give you some guarantees, it's very secure.

The big four banks have large fixed deposits, of course, safe, and the four major banks are state-owned banks, which have a certain degree of protection, and there is no need to worry about them.

Of course, the four major banks are the most reliable banks, because they are relatively large, so they are quite secure in all aspects, so you can rest assured.

Well, the big four banks are safe with large fixed deposits because they are state-owned banks. Ah, all have a very big guarantee.

The big four banks have very safe and secure large fixed deposits, so there is no need to worry about it at all.

I think that the deposits of the big banks are all guaranteed, especially safe, but the interest on the deposits of the big banks is low, but it is guaranteed.

If you want to make a deposit, the big four banks are definitely much safer than other banks.

One of the four major banks. Large regulars. Deposit. Safe. They are state-owned banks. Security is highly secure.

Large time deposits of the four major banks are as safe as ordinary deposits, and according to the deposit insurance regulations, 100% compensation is paid within 500,000 yuan.

I think if the deposits of these four major banks are not safe, there may not be a safer way to deposit!

Hello! You can check the RMB deposit interest rate through the following channels of ABC:

3.Portal**: If you need to inquire about the RMB deposit interest rate, you can open the official website of the Agricultural Bank of China and click [**Application and Rate Rate Information Deposit Interest Rate RMB Deposit Interest Rate] to understand.

Tips: Please refer to the system display at the time of actual processing for the specific interest rate. If you want to pay the interest rate for corporate accounts, it is recommended that you consult the branch of your bank. For more consultation and services, you can pay attention to our bank's "Agricultural Bank of China Cloud Customer Service" WeChat*** for consultation and processing.

Among the four major banks, the deposit interest rate is the same, and among the lump sum deposit and withdrawal deposit interest rate, CCB has the highest interest rate among the four major banks.

According to the deposit interest rate, the deposit interest rate of ICBC, CCB, Agricultural Bank of China, and Bank of China is the same. If it is a one-year lump sum deposit and lump sum interest rate, then the interest rate of ICBC, Agricultural Bank of China, and Bank of China are all interest rates, while the one-year lump sum deposit and lump sum interest rate of CCB is. Savings banks refer to professional banks whose main business is to absorb personal savings deposits.

It is known as the "Mutual Savings Bank" in the United States and the "Trust Savings Bank" in the United Kingdom. The savings banks of the capitalist countries absorb the deposits of residents at low interest rates, which are used to purchase ** bonds and ** bonds of capitalist enterprises, and corporate bonds, and transfer part of the funds to commercial banks to make a profit. Before the liberation, there were no special savings banks in China, and there were no special savings banks after the liberation.

The personal savings business is handled by professional banks and credit institutions such as the Industrial and Commercial Bank of China, urban credit cooperatives, agricultural banks and rural credit cooperatives.

There are three main differences between savings banks and commercial banks:

1.The majority of depositors in savings banks are residents, and the majority of depositors in commercial banks are enterprises.

2.Savings banks withdraw money by passbook, and commercial banks withdraw money by check.

3.Savings banks have long loan terms, while commercial banks mainly focus on short-term loans.

The four major banks have the highest interest rates on fixed deposits and the highest interest rates on large certificates of deposit.

1. Agricultural Bank of China as an example: Agricultural Bank of China sells "Yinliduo" RMB fixed deposit products with a minimum interest rate of 5,000 yuan, with a 3-year interest rate, 2-year interest, 1-year, 6 months, and 3 months; In addition, the Agricultural Bank of China has a 2-year, 3-year, and 5-year term, with a 1-year, 6-month, and 3-month term, which is much lower than the "silver interest" with a deposit amount of 5,000 yuan.

2. Take Bank of China as an example: the interest rate of the Bank of China is 50 yuan, 3 years, 2 years, 1 year, 6 months, 3 months, except for the 3-year low percentage point, the rest of the term interest rates are consistent with the Agricultural Bank of China. The interest rate of the minimum deposit of 5,000 yuan is 2% for 2 years, 2% for 1 year, 6 months for 6 months, and 3 months, all of which are consistent with the fixed deposit interest rate of 50 yuan for the Agricultural Bank of China and the Industrial and Commercial Bank of China.

3. Take CCB as an example: the maximum annual interest rate for its lump sum deposit and withdrawal is the same as that of Bank of China.

The deposit interest rates of the four major banks with a maturity of one year or more have generally been lowered, while the short-term interest rates of the four major banks have increased slightly for six months or less. After the adjustment, the interest rate of one-year fixed deposit of more than 10,000 yuan is, the three-year fixed deposit interest rate is, and the maximum interest rate of large deposits is.

Extended Materials. The four major state-owned banks on demand, time and large certificates of deposit of the highest points are 10bp, 50bp and 60bp, the current central bank benchmark interest rate is the highest 3-year fixed, so after the adjustment, the maximum interest rates of the four major banks should be: demand, 3-year fixed deposit, 3-year large-amount certificate of deposit.

Of course, the above is the highest situation, and the actual bank may not necessarily follow the highest execution, obviously from the above data, we can see that the bank's long-term deposit interest rate has decreased significantly compared with the past.

According to the agreement, the maximum points of demand deposits, time deposits and large-amount certificates of deposit of other banks participating in the interest rate self-discipline association outside the four major banks are: 20bp, 75bp and 80bp respectively. Compared with the past, it is not a 4% or even 5% interest rate, which has dropped significantly.

Large-amount certificates of deposit refer to a kind of large-amount deposit certificates issued by banking financial institutions to users, and are also personal ordinary deposits, which enjoy the protection of the "Deposit Insurance Regulations", that is, 100% principal and interest compensation within 500,000 yuan, so its security is guaranteed.

A large-denomination certificate of deposit is a fixed-denomination, fixed-term, negotiable certificate of deposit. Its issuance targets are urban and rural individuals, enterprises and public institutions. Large-denomination certificates of deposit have a higher interest rate than time deposits of the same maturity, can be transferred before maturity, and have a high investment threshold, which is an investment method with low risk and relatively high returns.

You can try the large commercial banks in the city and the rural credit banks in the local areas.

City commercial banks are a special group in China's banking industry, formerly known as urban credit cooperatives established in the 80s of the 20th century, and their business is positioned to pave the way for the local economy, with more than 100 urban commercial banks in China. Among them, Bank of Beijing, Bank of Shanghai, Bank of Nanjing, Bank of Ningbo, and Bank of Jiangsu, we will also call them large commercial banks.

The scale and asset quality of these commercial banks are a little worse than those of state-owned and joint-stock commercial banks, but they are much better than those of other commercial banks, so it is still relatively reassuring to have deposits in these large commercial banks, while the scale and quality of assets of other small urban commercial banks are uneven.

Rural Credit Bank, also known as Rural Credit Cooperative, Rural Commercial Bank, Rural Cooperative Bank. Credit cooperatives are different from other banks, they are two-level legal person system, the provincial head office is a legal person, and the county level (generally the county level, but there are also several districts in the urban area combined) is also a legal person, quite autonomous, and there are almost more than 2,000 such banks in the country.

Among them, there are a few that should be mentioned in particular: Guangzhou Rural Commercial Bank, Chongqing Rural Commercial Bank, Shanghai Rural Commercial Bank, and Shunde Rural Commercial Bank are no less than some large commercial banks in terms of asset quality and scale.

Generally speaking, in order to keep money in state-owned and joint-stock banks with peace of mind, it is generally not a big problem, and some large local urban commercial banks and rural commercial banks with large assets are also good choices.

In order to attract deposits, other small city commercial and rural commercial banks will from time to time launch some large-amount certificates of deposit, wealth management and structured deposits with relatively high returns.

The four major banks are relatively safe, if the interest rate is relatively high, each bank has the interest rate of each bank, which will be adjusted every quarter or every year, so it is necessary to compare according to different regions and different banks to know, if you want to deposit or manage money, you can first go to each bank, inquire, and then choose a bank with higher interest rate for deposit.

Although the Industrial and Commercial Bank of China (ICBC) is the largest state-owned bank among the four major banks, the advantages of its wealth management products are not large. If you need to redeem flexible and low-risk wealth management, you can consider Bank of China's Bank of China Happy Enjoyment, if you are pursuing high returns and can bear a certain amount of risk, you can choose higher-yield wealth management products such as CCB and Agricultural Bank of China. But if you don't have a lot of money, Bank of China and Agricultural Bank of China, these low-threshold wealth management products will be very suitable for you.

Investment is risky, this is something we all understand. There are a lot of uncertainties and risks in the investment market, so the wealth management products we buy are all risky, but the level of risk is just high. The risks of wealth management products** are mainly faced with redemption risks, policy risks, man-made risks and force majeure risks.

In addition, force majeure factors such as natural disasters and wars may also seriously affect the normal operation of wealth management products. It's also important to have a sense of normalcy when faced with risk.

Now, people deposit money in the bank, there are still more, generally some middle-aged and elderly people go to the bank to deposit, they will generally save into a fixed term, generally 1 year, 3 years, 5 years, according to different years, the interest is also different, through the way of deposit, you can let the money in our hands, a little bit of income, for them, is a good way to manage money.

However, for middle-aged and elderly people, we must pay attention to the problem that you can't trust strangers' ** or text messages, because a lot of **, will pretend to be a bank staff, and then carry out some inducing behaviors on you, if I suppress them to believe easily, you will be deceived, and you will lose some property, so you must be extra careful.