Is it safe to deposit money to a local bank? Why?

Safe, absolutely safe. At present, there are more than 4,000 financial and banking institutions in China, and all of these more than 4,000 have obtained trading licenses and trading qualifications, and have the supervision of the local government, the China Banking Regulatory Commission and the People's Bank of China. Individuals have a certain degree of discrimination against local commercial banks or grassroots village and township banks, believing that these small and medium-sized banks are their own pools.

is not safe, in fact this is a certain misunderstanding, these small and medium-sized banks are also very strict, according to the central bank.

The entire process of the prescribed measures is supervised for the deposit deposit and the amount of savings.

And we found that these local commercial banks and village and township banks, including private banks that emerged after 2015.

The national financial policy has supported them to a certain extent, and the reason is simply to create the current financial diversification. At present, a considerable number of small, medium and micro enterprises have their bank loans through local commercial banks and private banks, and to a certain extent, state-owned banks have also been reduced.

pressure and business volume.

In addition, in order to open up the market reputation, these local commercial banks and private banks will carry out certain businesses, corresponding to high interest rates. What we are currently hearing about is the smart deposit of private banks and the rigid payment of local commercial banks.

One-year annualized interest rate of wealth management deferred products.

In the case of guaranteed principal and interest, it can be achieved around the right, and this interest rate is compared with the current stable investment income.

The market is very cost-effective, and the interest rate given by ordinary state-owned banks is completely not so high.

Therefore, we can completely deposit our own funds in these places, commercial banks or private banks, they are completely trustworthy, if you are really not at ease, the total amount of your personal assets in the same bank should not exceed 500,000 yuan, because 500,000 yuan or less is protected by banking and insurance regulations.

Personally, I think there is still a certain risk in depositing in a local bank, after all, a local bank is small and is likely to face the risk of collapse at any time, so it is best not to deposit it in a local bank.

Not safe, because many local banks have failed during the pandemic this year.

I think this kind of investment is still relatively safe, because it is safer to have a local guarantee.

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It is best to deposit money in ICBC for the following reasons:

1.ICBC is the largest Chinese-funded commercial bank in China, with about 20,000-30,000 business outlets in China! The advantage of outlets is very obvious, which is one-third more than the outlets of China's second largest bank (China Construction Bank).

2.E-banking is very advanced, and ICBC has an IT team that no other bank has, and it is significantly higher than other banks in terms of e-banking security.

3.The counter service is also very perfect, and the charges are also very reasonable.

The four major banks are Industrial and Commercial Bank of China, China Construction Bank, Bank of China and Agricultural Bank of China, because the interest rates are uniformly set by the People's Bank of China, so the deposit and loan interest rates of the major banks in the country are the same, there is no difference between high and low.

Extended Information: 1

1.The interest rate on deposits is the same for all banks. Interest is calculated according to the deposit interest rate set by the People's Bank of China. You can choose a bank that is closer to home and has a good service attitude.

2.The principal amount cannot be increased in the middle of a fixed deposit. But you can open another fixed term account and save your money for a fixed term.

3.When it expires, you can both withdraw the money. It can also be renewed.

If you renew the deposit, you can choose to automatically redeposit when you make the first deposit, so that when the deposit matures, you do not need to go to the bank to renew the deposit, and the bank will automatically redeposit the principal and interest of the deposit at the same fixed term period and the bank's fixed interest rate of the same grade on the day of automatic rollover. If you need money urgently in the middle of the deposit period, you can bring your ID card and deposit certificate to the bank for early withdrawal. However, early withdrawal of interest will result in a loss.

Interest is no longer calculated on a regular basis, but on a current basis.

2. At present, the banks that can make deposits are basically divided into state-owned banks, joint-stock commercial banks, urban commercial banks, rural commercial banks, village and township banks, private banks, and Internet banks. Judging the quality of a bank's deposits should be examined from several aspects such as the bank's security, profitability, liquidity, and service quality. State-owned banks have the highest level of security.

At present, there are six state-owned banks: Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China. As state-owned enterprises, it is an indisputable fact that the assets of the six banks belong to the state, and there will be no risks of one kind or another casually, and the safety factor is always higher than that of local banks.

The deposits of large state-owned banks are relatively safe, but it is best to control the number of deposits within 500,000 yuan, and those with deposit insurance, such as the four major state-owned banks, are relatively safe, but the interest rate may be lower than that of small banks.

Now it is no more than 500,000 yuan, so it is okay to deposit this money in that domestic bank, it is the same, this is the law.

Deposits in local commercial banks are also relatively safe, but there are no state-owned banks.

security, after all, the strength of state-owned banks is greater.

In fact, as long as you use a good method, you can get a higher interest rate on deposits in local commercial banks, and you don't need to worry about safety.

Extended Resources:

Local commercial banks refer to banking financial institutions whose business scope is limited by geography. In China, local commercial banks mainly refer to urban commercial banks and rural credit cooperatives.

Urban Credit Unions. Although China's local commercial banks have made great strides in recent years, they are still far from being comparable to state-owned commercial banks and joint-stock commercial banks in terms of asset scale, number of institutions, and total number of personnel.

Compared with. City Commercial Bank.

City commercial banks are in urban credit unions.

On the basis of clearing assets and verifying capital, a local joint-stock commercial bank is formed by absorbing local finance and enterprises to become shareholder. Because city commercial banks are also joint-stock commercial banks, their legal business scope is the same as that of state-owned banks and national joint-stock banks, the difference is that the main function of these city commercial banks is to finance funds for the development of the local economy, focusing on providing financial services for the development of urban small and medium-sized enterprises.

Credit union.

A credit union is a cooperative financial organization formed by individuals with the purpose of mutual assistance"Credit Unions"。Its basic business objectives are to provide credit services to its members with simple procedures and low interest rates, and to help financially weak individuals solve their financial difficulties and avoid usury.

Rural credit cooperatives.

Rural credit cooperatives (referred to as rural credit cooperatives) are organized by farmers and collective economies.

Rural credit cooperatives are financial institutions with legal personality that are composed of voluntary shareholdings, democratically managed by the shareholders, and mainly serve the shareholders. The Rural Credit Cooperatives Association is a joint organization of the credit cooperatives in the county, which is composed of shares of the rural credit cooperatives in the county, implements democratic management, and mainly serves the rural credit cooperatives.

City Credit Cooperative.

Urban credit cooperatives (hereinafter referred to as urban credit cooperatives) are urban cooperative financial organizations, which are organized by individual industrial and commercial households.

and urban collective enterprises.

A financial institution with the status of a legal person, which is established by shares, is democratically managed by shareholders, mainly provides financial services to shareholders, and has the status of a legal person. Urban credit cooperatives operate independently, account independently, and assume responsibility for their own profits and losses. The Urban Credit Cooperatives Union is a financial institution funded by the urban credit cooperatives, a joint organization of the urban credit cooperatives, and an independent corporate legal person.

The Associated Press conducts centralized management, supervision, coordination and service for local urban credit cooperatives.

It's safer than other storage methods. But to prevent scams.

The pitfalls that depositors tend to encounter when depositing money in the bank are: confusing deposits with financial management and insurance; Wealth management products do not indicate risks. As for the acts of bank staff suspected of committing crimes, such as obtaining passwords and misappropriating deposits, although they are few, they must also be highly valued, do not believe the pie in the sky, and do not trust the staff who handle business Jingchong, everything is subject to the contract and the result of the operation.

According to the provisions of China's cash management system, every enterprise must open a deposit account with the People's Bank of China or a specialized bank to handle deposits, withdrawals, and transfer settlements.

The bank deposits of enterprises mainly include: settlement account deposits, letter of credit deposits, foreign deposits, etc. The cashier is responsible for the collection and disbursement of bank deposits. For each bank deposit income and expenditure business, the accounting voucher must be prepared according to the original voucher that has been audited and correct.

There are three things that must be paid attention to when buying financial products:

First, the deposit must be handled at the bank counter, and the depositor signs a contract with the bank, and the term is mainly current, three months, half a year, one year, three years, and five years, and the rate of return is fixed, which is subject to the bank's listing;

Second, when purchasing wealth management products, you must carefully understand the content of the product, which mainly refers to the investment target of the product, the expected return, etc. At the same time, it is necessary to find out whether this is a product sold by the bank itself or a consignment product, and if it is a consignment sale, whether there is a consignment contract;

Third, we must maintain a high degree of vigilance for higher expected yields.

Deposit security, there is no time to pay, one loss is lost, one is prosperous. Compared with state-owned banks and joint-stock banks, local commercial banks do not have the same level of comprehensive ability to resist risks due to their deficiencies in corporate governance, business models, and asset strength.

However, as an ordinary customer, this potential risk can not only be passively accepted, but can be actively prevented. Grasp the rules of the game, and when the risk of defeat occurs, at least we have the last straw, which is the Deposit Insurance Regulations.

Extended information: 1. Deposit refers to the funds or currency that the depositor temporarily transfers the right to use to the bank under the condition of retaining ownership. It is the most important source of credit funds for banks.

A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. It has the characteristics of a minimum deposit period of 3 months and a maximum of 5 years, a large margin of choice and a relatively stable interest income.

2. Cash and current savings deposits can be directly applied for fixed savings deposits, and the minimum deposit amount for regular account opening is 50 yuan, and there is no limit to more deposits. The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.

3. The interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit when withdrawn at maturity, and the interest shall be calculated according to the current savings deposit interest rate on the date of withdrawal for early withdrawal, and the interest shall be calculated according to the interest rate of the current deposit on the date of withdrawal for overdue withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

For unexpired fixed savings deposits, depositors must present the certificate of deposit and the depositor's identity certificate for early withdrawal; If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

In domestic banks, fixed deposits are generally stored on bank cards, fixed passbooks, and certificates of deposit. If you want to talk about security, bank cards must have the lowest safety factor, followed by passbooks, and certificates of deposit are the safest way to deposit money. However, as long as the bank card is not lost and the bank card password is not leaked, it can be guaranteed.

Because on the whole, bank cards have many functions and relatively high risks, and the certificate of deposit business is the same as the passbook business, which cannot transfer and remit money, let alone handle business on self-service equipment, and only handle business at the counter, which has high security and is welcomed by middle-aged and elderly depositors.

From the perspective of use functions, bank cards have the most functions, including all kinds of deposits, financial management, insurance, transfer searches, loans, settlements, payments and other functions. However, the more functions, the greater the risk, after all, the more business links are contacted, the more risks will naturally increase in the operation link.

With the vigorous development of China's financial industry, many places have begun to set up their own local banks, these local commercial banks have attracted the attention of many depositors by virtue of their higher interest rates than the large regulations of the Royal Model Bank, so let's talk about local bank deposits today.

Is it safe? Deposit interest rates.

Is it high, etc.

Is it safe to have a local bank deposit

1. Security from the perspective of the main body of the bank.

Although local banks do not have the ability to resist risks as the four major state-owned banks, many local banks are relatively large in scale and professionalism, and according to the current situation of the banks, the degree of professionalism and development prospects of local banks are still relatively good, and they have a good ability to diversify risks.

2. Look at security from the perspective of financial behavior.

From the perspective of financial behavior, security refers to the safety of the financial activities that investors choose in local banks, generally speaking, bank deposits, time deposits and large certificates of deposit.

and other high-security financial behaviors, the security is high.

Wealth management products of local banks.

Generally, it also has more choice, and customers choose products according to different risk tolerances. In general, the safety of general robust products is still okay, and the safety of funds can be satisfied. For some high-risk wealth management products, investors need to be cautious in investing.

Are local bank deposit rates high?

Generally speaking, local banks will have higher deposit interest rates and other expected returns than large banks. This is because compared with traditional commercial banks, local banks have a lower ability to resist risks and have a lower degree of creditworthiness, and their risks are correspondingly increased. In order to attract customers, the level of interest rates will be increased.

Therefore, under the same conditions, if the market risk of grinding local banks.

If it is not very large, some investors will deposit money in local banks and manage their finances, so as to obtain higher interest rates.