Are large bank certificates of deposit risky? On what basis?

Large certificates of deposit. To put it simply, it is a large-amount deposit issued by a bank, and according to the Regulations on Deposit Insurance, large-value certificates of deposit are included in the scope of deposit insurance as general deposits. Therefore, the risk of large-amount certificates of deposit is very small, unless the bank fails, your deposit exceeds 500,000, and the deposit insurance pays up to 500,000 yuan, otherwise it is guaranteed principal and interest, which is equivalent to a time deposit.

Ping An Bank. We have launched large-value certificates of deposit to meet the investment needs of customers, and our bank supports the issuance of certificates of deposit.

The special function of pledged loans is that it can support intra-bank transfers, with more flexible terms and better liquidity. You can learn more about and purchase through Ping An Pocket Bank APP-Finance-Deposit+, large-value certificate of deposit series.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

Does the bank guarantee the principal of the large certificate of deposit?

No, large-denomination certificates of deposit are a type of fixed deposit, while fixed-denomination certificates of deposit are principal-protected products, so large-denomination certificates of deposit are risk-free.

The interest rate of large-amount certificates of deposit is based on the benchmark interest rate of the People's Bank of China, and the interest rate is different for each period.

Extended information: 1. Certificates of deposit (CD) refers to a kind of large-amount deposit certificate issued by banking depository financial institutions to individuals, non-financial enterprises, government agencies, etc.

Different from general certificates of deposit, large-denomination certificates of deposit can be transferred before maturity, with a term of not less than 7 days, a high investment threshold, and the amount is an integer. China's large-denomination certificates of deposit were officially launched on June 15, 2015 and are denominated in RMB. As general deposits, large-denomination certificates of deposit have higher interest rates than time deposits of the same maturity, most of which are 40% higher than the benchmark interest rate, and a small number of banks are 45% higher, while time deposits generally rise up to about 30%.

2. China's first batch of large-denomination certificates of deposit was issued on June 15, 2015, and the first batch of issuers included Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Shanghai Pudong Development Bank, China CITIC Bank, China Merchants Bank, and Industrial Bank, all of which are core members of the self-discipline mechanism for market interest rate pricing. At present, it has been expanded to many banks.

3. Taking China Construction Bank as an example, the interest rate of large-denomination certificates of deposit has risen by 40% on the basis of the benchmark interest rate, and the product period is 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, and 3 years, and the interest rates are respectively. From the perspective of the starting amount, the starting amount of large-amount certificates of deposit for individuals is 200,000 yuan, which is increased by 10,000 yuan, and the interest is calculated from the date of purchase; The starting amount of large-value certificates of deposit for enterprises is 10 million yuan, which is increased by 1 million yuan.

Among them, because the interest rate of 3-year large-denomination certificates of deposit is higher and can be withdrawn in advance, it has a higher actual income than the three varieties of 1-year, 18-month and 2-year certificates, and it is more cost-effective to choose 3-year when depositing large-denomination certificates of deposit for more than 1 year.

There are certain risks in the bank of large-denomination certificates of deposit.

But this risk is not so high, you see how big your large amount is, because the bank's regulations are that more than 300,000 yuan is considered a large amount, but within 500,000 is guaranteed by principal and interest, if it is millions of tens of millions, then it may really be risky, it is recommended that you deposit separately, the existence of different banks may be better, if there are not so many hundreds of thousands, then there is basically no risk.

Deposit money in the four major state-owned banks, these banks are reliable, because from the founding of the People's Republic of China to the present, these four major banks have hardly done anything, there is the entire treasury, or their general manager People's Bank of China head office as a guarantee, they are almost impossible to go bankrupt and go bankrupt, you deposit millions and tens of millions in these banks is basically no problem. Theoretically, he will only pay you a maximum of 500,000 yuan, but if these banks don't fail, he will have to cash out the money for you. But if you have some private banks, and the local ones go bankrupt, and then he says that he won't have so much money and will pay you 500,000 yuan, then you will have nowhere to go.

Generally speaking, after gambling money, they will think about how to make more money, rather than saving the money slip, so the bank rarely encounters the kind of cash that saves tens of millions or even hundreds of millions of cash, too little and too little, because there is so much money must be to do some investment, or participate in some financial plans, some private placements, the yield is much higher than 3% of other banks, and 5% of the yield. People who can have so much money in investment and financial management must be no different, some reliable private equity**, this profitability is definitely better than that of banks.

Our country has a bank principal and interest protection system, that is, your principal within 500,000 is absolutely protected, even if the bank fails, the 500,000 will definitely be paid to you, but if you exceed this limit, there will be no more, big banks and small banks are like this, so you exist in those large state-owned banks, such as the Industrial and Commercial Bank of China, which is known as the first bank in the universe, they are almost impossible to fail, so it is still relatively easy to save money.

Large-denomination certificates of deposit are risky, but the risk is very low, and they are basically risk-free expected annualized return products. Large-amount certificates of deposit are issued by various financial institutions for individuals, enterprises, etc., which represent the highest credit of a financial institution, and the risk of investment losses is very low, which is very suitable for conservative investors to invest. The interest rate on large-denomination certificates of deposit is higher than that of fixed deposits of the same maturity, generally rising by about 40% on the basis of the benchmark interest rate, while the maximum interest rate for fixed deposits is about 30%. Remainder.

Our country has a bank principal and interest protection system, that is, your principal within 500,000 is absolutely protected, even if the bank fails, the 500,000 will definitely be paid to you, but if you exceed this limit, there will be no more, big banks and small banks are like this, so you exist in those large state-owned banksFor example, the Industrial and Commercial Bank of China, which is known as the first bank in the universe, is almost impossible for them to fail, so it is more safe to save money.

Generally speaking, there is no risk, and the presence of a national bank is necessarily stronger than a private bank or a private institution.

In fact, the bank's large-denomination certificates of deposit are generally not risky, because the bank is very safe.

I don't think there's a risk. There is a basis for this, because they are also regular deposit business issued by banks, which is basically the same as ordinary deposits, but the entrance is high.

Large certificates of deposit have high interest rates and can be transferred and pledged, which can be described as a good friend of large deposits and savings, and are very popular.

However, there are some potential risks. There will be some restrictions on withdrawing money at the same time. Today, we will have an in-depth understanding of these problems, which will help friends to prevent problems before they occur, and better enjoy the safe and high interest brought by large certificates of deposit.

First of all, let's understand the potential risks of large-value certificates of deposit, and countermeasures

1. There is a potential risk of early withdrawal of large-amount certificates of deposit, and interest will be calculated according to the current account. First, early withdrawal may be calculated according to the current period, and second, some are not allowed, and some are partially withdrawn. Solution: Preferably monthly interest payment, transfer and pledge banking products.

2. The risk that the deposit amount is too high and beyond the scope of the deposit insurance system. The deposit insurance system provides the same person with a deposit deposit in the same bank, with principal and interest, with a maximum indemnity of 500,000 yuan. Solution:

The same bank, the same person, the total principal and interest of deposits, including large-amount certificates of deposit, is controlled within 500,000 yuan, which is more comprehensive.

3. The security of electronic large-value certificates of deposit. At present, large-value certificates of deposit are mainly electronic, which have higher security requirements than paper certificates of deposit. Solution:

Do a good job of corresponding passwords, bank cards, identity information, as well as computers, mobile banking, software and hardware, and safe storage. At the same time, it is more reassuring to issue a paper certificate of deposit.

Summary: There are also certain potential risks associated with large-denomination certificates of deposit. However, it can be actively resolved and prevented.

Secondly, let's take a look at what are the restrictions on withdrawing money:

1. If the cash withdrawal exceeds 50,000 yuan, an appointment is required according to relevant regulations. Reservations can be made over the counter, and some banks also provide ** and other appointment services.

2. If the transfer is more than 200,000, it is possible to make an appointment according to the regulations of different banks. It is advisable to check with your specific bank for details.

Finally, summarize the analysis:

Large-amount certificates of deposit are formal deposit and savings products, with high interest and very good security, and are well-known and deeply loved.

But there are also some potential risks, and it is very important to pay attention to details and disperse them in advance, so that security will be taken to the next level.

At the same time, to withdraw money, for example, to withdraw cash, or transfer money, more than a certain amount requires an appointment.

You can consult the bank in advance to avoid affecting the use.

The bank guy tells you that you must know the 4 risk points of large-value certificates of deposit.

It should be said that there is no risk. Because the large-denomination certificates of deposit are of the same nature as the lump sum certificates of deposit, but the amount is larger, and the interest rate is higher than that of the lump sum certificates of deposit in the same period. When this kind of deposit matures, the bank has to pay the principal and interest unconditionally.

Of course, it is best for you to deposit in the four major state-owned joint-stock commercial banks, so that there is no risk of bank bankruptcy.

The risk of large certificates of deposit in banks is relatively low.

Summary. Hello, at present, it is the safest to place large certificates of deposit in banks compared to other platforms. The so-called risk, you refer to the wealth management products purchased in the bank, as an investment and wealth management will have a certain risk.

You can think about it. A simple certificate of deposit has basically no risk. Then you also have to consider the nature of the bank itself, some local banks, you should be cautious and do not deposit large amounts.

Are large bank certificates of deposit risky? On what basis?

Hello, at present, it is the safest to place large certificates of deposit in banks compared to other platforms. The so-called Fuqiao risk, you refer to the wealth management products purchased in the bank, as an investment and wealth management, there will be a certain risk. You can think about it.

A simple certificate of deposit has basically no risk. Then you also have to consider the nature of the bank itself, some local banks, you should still be cautious, do not Lu Tingbi large deposits.

Thank you, Ping An Bank, reliable no.

Ping An Bank can,. I don't want to put all your money in one bank. That's what it means not to put your eggs in a confiscated basket. You can put it separately.

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