Should bank deposits be safe in large state owned banks or city commercial banks?

State-owned banks. In terms of credibility and strength, it is stronger than commercial banks. In addition, in terms of anti-risk ability, it is also incomparable with commercial banks.

Hello: Bank deposits should be selected as state-owned banks to be safe, because state-owned banks are relatively more secure, which belongs to state-owned enterprises and will not go bankrupt, while city commercial banks are likely to appear, compared with state-owned banks, or state-owned banks are more secure!

Therefore, it is safe to choose a large state-owned bank for bank deposits! Hope it helps, hope, thank you!

The big state-owned banks are a little more secure, just like when you buy things, you naturally feel that the big brands are better.

1. It is large in scale and occupies the main position of financial institutions. The status of the six major state-owned banks in China's financial field should be obvious to all, and from the perspective of the distribution of the country and the scale of assets, their dominant position is beyond doubt. 2. The work is stable and the competition is relatively low.

Because of the monopoly position of the six major state-owned banks in China, their business scope itself has certain advantages, coupled with the public's perception of the five major banks, and the stability of customers provide good business advantages for employees, which can be said to take advantage of the right time and place. 3. Complete training system. The Big Five banks are also among the best financial institutions in their training efforts for new employees.

It can allow employees to better understand the banking business and enter the actual operation. Employees who have generally undergone training in the Big Five are also popular in other financial institutions. 4. The salary is relatively average, but relatively low.

The relatively low level here is that compared with joint-stock banks, the salaries of the five major banks will be relatively low, but the salary level of China's overall financial industry has always been among the best according to the official website data.

It is safer to choose large state-owned banks for bank deposits, first of all, the capital is more sufficient. There is a golden sign of the state as a guarantee that the funds are risk-free. There will be no problem of companies running away.

In contrast, city commercial banks are invested by large enterprises in a joint way. The shareholding structure is not as single and guaranteed as that of state-owned banks.

Bank deposits should be made in large state-owned banks, which are much safer than city commercial banks, and money can be guaranteed.

Relatively speaking, we should choose large state-owned banks for bank deposits, which are safer than city commercial banks. This is mainly due to the fact that large state-owned banks generally have relatively complete systems and standardized management, and it is difficult for them to have obvious loopholes, which will be exploited by lawbreakers. In addition, there are more work businesses, which means that its operating efficiency is still relatively good.

There is no need to choose some methods that harm the interests of customers to smash your brand and reputation. In the face of fierce competition, city commercial banks may often adopt some non-compliant methods to snatch users. And this has become a hidden danger to the interests of users.

If it is not managed well, it is a serious consequence after a volcanic eruption.

Of course, it is safer and more reliable to choose a large state-owned bank for deposits. It is more convenient to support nationwide remote deposits and withdrawals.

If all banks are likely to fail, then the big four banks will be safer than other commercial banks.

If you want to say which of the four major banks is safe, you can't compare the high and low, and you really have to say one or two, and ICBC, which is known as the "first bank in the universe", is the most trustworthy. ICBC is a business bank separated from the central bank, and then the central bank is transformed into a management bank, so ICBC's business is comprehensive, the system is perfect, and the management is relatively strict.

With the development of the market economy, there are certain risks in all banks, whether they are state-owned or commercial banks. However, the risk is minimal and negligible. The safest is the central bank, followed by the big four banks, and then the joint-stock commercial banks.

It is suggested that if there is a large amount of investment and you are worried that it is not safe to put it in the bank, then do not put your eggs in one basket, and each bank will be put separately, and it is not necessarily that all banks will go bankrupt and fail at the same time.

Large state-owned banks are safer, their services are more in place, and their safety factor is higher.

From a security point of view, this natural selection of state-owned five major banks, both in terms of strength, operating outlets and cross-regional business.

Commercial banks and local banks, due to their scale and cross-regional limitations, although the interest rates are relatively flexible, lack the strong background support of the five major state-owned banks.

If you consider it from the perspective of security, it is best to deposit in a large state-owned bank, and the background of state-owned assets is a symbol of credibility and integrity.

Of course, the risk and benefit are inversely proportional to each other, and the higher the degree of security, the lower the interest will be.

In terms of deposits alone, the big state-owned banks and city commercial banks are relatively safe, and even in the event of a business crisis, there are relevant purchases and depositors who accept depositors' deposits, and they will not be wasted, and they are safe.

It is safer to choose large state-owned banks for bank deposits than city commercial banks, because large banks have state guarantees, and the security is very high.

Of course, it is safer to choose a large state-owned bank for bank deposits. This is because the large state-owned banks have abundant funds and their ability to resist risks is relatively high. Small banks are prone to failure under the impact of the financial crisis.

Joining deposit insurance can only protect 500,000 yuan, so it is still safer for large state-owned banks.

Relatively speaking, it is still a large state-owned bank that is relatively safe. Now the commercial banks in some cities have gone bankrupt. But state-owned banks. He is controlled by the state. The probability of bankruptcy is basically not high.

Of course, the deposit is more guaranteed by Dahan, and Dahan's treasury is uniformly allocated by **.

In fact, bank deposits in domestic formal banks are relatively safe, of course, relatively speaking, from the perspective of security alone, large state-owned banks are more stable, more risk-resistant, and relatively safer.

If you choose to manage money in a bank, it must be the first choice of large state-owned banks, after all, large state-owned banks, small commercial banks with the background and endorsement of the country are relatively safe, and the safety factor is indeed not as high as that of large state-owned banks.

Relatively speaking, it is safer to choose a state-owned bank and the risk is lower. At present, city commercial banks are developing rapidly and strongly, and their deposits are more flexible and diverse, with higher interest rates than those of large state-owned banks, and at the same time, they are also at controllable risks and have high security. If it is in the financial management, interest-earning, etc., it is completely optional, with high credit and large scale of urban commercial banks.

Of course, it is better to have large state-owned banks, which are safer, and small private commercial banks may be in trouble if they close down one day.

Of course, it is still safer to choose a large state-owned bank for bank deposits, because it has abundant funds and will not go bankrupt, while if it is a commercial bank in a city, although the interest rate is a bit high, it may go bankrupt.

Of course, large state-owned banks should be chosen for bank deposits, because the safety of large state-owned banks is guaranteed, and it is guaranteed by the reputation of the state, and commercial banks may be some commercial banks, and once they fail, their ability to pay and repay may be limited.

Of course, large state-owned banks are preferred for bank deposits, which are more insured, and will not easily fail.

I think that there is a country to have a city, a country, so the state has a big bank security, personal advice, I have no money, I have not saved.

The strength and capital of large state-owned banks are more powerful and more secure than those of city commercial banks, so large state-owned banks are safer.

Large state-owned banks are safer, have a higher ability to resist risks, and are more at ease.

Bank deposits are still safe in large state-owned banks, after all, the state is the backing and has the support of the state's credit. City commercial banks are a little less creditworthy, so they are still safer than large state-owned banks.

Or choose large state-owned banks, so that the banks are protected by the state and will not go bankrupt. So there is no risk. It's also safer. City Commercial Bank. If the company is sluggish and prone to bankruptcy, it is easy to risk saving too much money.

It is safer to choose a large state-owned bank for bank deposits. Because they will have less risk of going out of business. Put the city commercial bank his ability to resist pressure is relatively low.

It's still safer for a big state-owned bank.

Deposits are safe in commercial banks. The definition of "commercial bank" was first used because this type of bank only undertook "commercial" short-term loans in the early stage of development. The return time of the next paragraph is generally not more than one year, and the target of the next paragraph is generally the merchant and the import and export company.

Users will mainly absorb short-term deposits and distribute short-term business loans <>

1. The nature is different: state-owned banks are directly controlled by the state, and commercial banks have the nature of companies;

2. The ability to resist risks is different: the ability of state-owned banks to resist risks is strong, while the ability of commercial banks to resist risks is weaker, which mainly depends on their management capabilities.

the overall strength of the property and the overall strength of the company's shareholders;

3. The scope of business is different: state-owned banking business.

The scope is spread across the country, and commercial banks generally mainly serve customers in the region;

4. The overall strength is different: commercial banks are generally supported by local governments, while the controlling persons of state-owned banks are state institutions.

5. The positioning of customer groups is different: commercial banks are generally limited by geography, and the customer groups generally come from a certain region, while state-owned banks are more common, and the customer groups are all over the country in every field and every class.

Generally, the security of large state-owned banks is very high, because it represents the country, and from the perspective of anti-risk ability, asset strength, profitability, etc., they are very strong, and they are in the forefront of the industry.

In fact, large state-owned banks generally refer to the six major banks, and the six major banks refer to the Bank of China, the Postal Savings Bank of China, the China Construction Bank, the Industrial and Commercial Bank of China, the Agricultural Bank of China, and the Bank of Communications.

These six major banks have many business outlets in the country, and it is very convenient to withdraw money when going out on a business trip, and the security is very high, the possibility of bankruptcy is very small, and the money stored in it is definitely safe.

Of course, the six major banks are the safest, and the six major banks refer to the Bank of China, the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Postal Savings Bank, the Construction Bank and the Bank of Communications. Their security performance is the same, and they are also the safest banks in China, because their back-office management belongs to the People's Bank of China.

Relatively safe.

In general, commercial banks shall at least abide by the following principles in their operations:

1. The principles of efficiency, safety and liquidity. Efficiency is premised on the safety and liquidity of assets, and China's "Commercial Bank Law" stipulates that commercial banks shall operate independently, bear their own risks, assume their own profits and losses, and exercise self-restraint based on the principles of efficiency, security and liquidity. Commercial banks should not only pursue their own profits, but also pay attention to social benefits.

2. The principle of independent operation in accordance with the law. This is the concrete embodiment of commercial banks as enterprise legal persons, and is also an inevitable requirement for the operation of the market economic mechanism. Commercial banks shall conduct business in accordance with the law and shall not be interfered with by any unit or individual.

As an independent market entity, it has the right to handle all its business and management affairs in accordance with the law, participate in civil activities independently, and independently bear civil liability with all its legal person assets.

3. The principle of protecting the interests of depositors. Deposits are the main funds of commercial banks**, and depositors are the basic customers of commercial banks. Whether or not a commercial bank, as a debtor, fully respects the interests of depositors, strictly fulfills its debts, and earnestly assumes the responsibility of protecting the interests of depositors has a direct bearing on the bank's own operations.

If the legitimate rights and interests of depositors are not effectively respected and protected, they will choose other banks and cause the bank to withdraw from the market.

4. The principle of voluntariness, equality, and good faith. The civil legal relationship between a commercial bank and a customer is that of equal subjects. Therefore, commercial banks should conduct business dealings with customers on the basis of equality and voluntariness, conduct fair transactions, and should not be forced or attached unreasonable conditions, and both parties should perform their respective obligations in good faith and comprehensively.

5.Strictly guarantee the credit of lenders, and recover the principal and interest of loans on time in accordance with the law.

6.Operate in accordance with the law and do not harm the public interest.

7.Fair competition.

8.Accept the supervision and management of ** bank and the China Banking Regulatory Commission in accordance with the law.

Now the state allows banks to fail, and state-owned banks are indeed very safe compared to local banks. However, this is not certain, after all, the possibility of bank failure is relatively small, and ordinary people cannot have too many deposits, and the general risk is the same. If it is a wealth management product, it depends on the individual's choice, and the risks of different wealth management products are different, so it cannot be distinguished from the bank category.

1. There is still a certain gap between banks compared with state-owned banks and local banks. This gap is mainly manifested in two aspects, on the one hand, interest rates, and on the other hand, safety. Interest rates on state-owned banks are likely to be worse than those of local banks.

However, the security is very high, after all, it is a state-owned enterprise, and it generally does not go bankrupt easily. The advantages of local banks are high interest rates and high activity intensity, and many local banks do not charge additional fees for inter-bank withdrawals and non-local withdrawals. Of course, local banks also have a certain disadvantage, that is, there may be exaggerated propaganda to guide people to deposit.

Some people don't know much and may be fooled.

2. The number of depositsFor ordinary people, it is almost the same as a deposit of two or three hundred thousand. According to state regulations, when a bank fails, if the deposit does not exceed 500,000 yuan, it is necessary to pay full compensation. And the part that exceeds 500,000 will have to be determined according to the situation.

The average household has more than half a million in savings, which is a bit remarkable. At this time, 500,000 is the guarantee, and we can deposit according to the situation. If you really can't do it, you can also save a few more banks, and there is no need to put them all together, which can reduce the risk.

Even if the bank goes bankrupt one day, you can get all your money back.

3. If the state-owned banks are reliable in terms of content deposits of wealth management products, this advantage is much better than some small profits. If it is a wealth management product, it depends on the content of the product. Different banks have different wealth management products, and the profits and risks are also inconsistent.

In the case of not understanding, it is recommended not to buy wealth management products, after all, investment is risky, and you need to be cautious when entering the market.