What are the benefits of depositing for the post? Which deposit is better, postal or postal savings

They have a lot of benefits for this, just like other commercial banks.

They mainly gather the scattered money in people's hands and use it to invest and make a profit from it. Otherwise, who will not earn and pay you interest.

Interest rate difference from deposits and loans.

1. Postal Savings Bank of China.

In fact, the data released in China in 2020 shows that the annual interest rate of most state-owned banks in China is about the same, which means that the interest rate is also about the same. For example, the annual interest rates set by the Agricultural Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Bank of China, Bank of Communications and China Merchants Bank are all one-year, two-year, three-year and five-year. So what is the deposit rate at Japan Post Bank?

Data released from the Post Bank,It can be seen that the interest rate of Japan Post Bank is still a little higher than that of other banks. Japan Post Bank one-year term is, the two-year term is, the three-year term and the five-year term are.

3. Summary. To sum up, the deposit interest of the Postal Savings Bank is still relatively stable, and the change is not large, and the interest on the one-year deposit is a little higher than that of other banks. If the netizen is saving for one year, you can choose the Postal Savings Bank

Not high. Because the interest on deposits of the Postal Savings Bank is not as high as the interest on Yu'e Bao, I think the interest on deposits is not high.

The interest rate is not very high, and this bank is also a national bank, and the benefits of this bank are also very large.

The deposit interest rate is still relatively high, so it is much more cost-effective to deposit in this bank than in other banks.

The interest rate of Japan Post Bank is still a little higher than that of other banks.

The one-year term of the postal bank is, the two-year term is, and the three-year term and the five-year term are. The deposit is for a one-year term, and you can choose the Japan Post Bank.

The Postal Savings Bank of China was formally established on March 20, 2007, and is a commercial bank established on the basis of reforming the original management system. In fact, the Postal Savings Bank of China inherited the postal finance business operated by the original State Post Bureau and China Post Group Corporation, as well as the funds and liabilities arising therefrom. Therefore, the Japan Post Savings Bank, which was established in 2007, will continue to operate its original business, but it has expanded its business scope on this basis.

With the increasing number of users depositing money in banks, more and more people are paying attention to the deposit business of banks. Generally speaking, bank deposits are very safe, because the bank itself has the advantage of reliability and stable income, and the interest rate of bank deposits is also very high, even if there is a change, there will not be much fluctuation. The Bank has nearly 40,000 business outlets, serving more than 600 million individual customers, giving full play to the advantages of the unique model of "self-operation + **" to serve the "three rural", urban and rural residents and small and medium-sized enterprises.

With excellent asset quality and significant growth potential, we are a leading large-scale retail bank in China.

Interest rate refers to the ratio of the amount of interest to the amount of borrowed funds (principal) over a certain period of time. Interest rate is the main factor that determines the cost of capital of enterprises, and it is also the decisive factor for enterprise financing and investment.

The interest rate is the ratio of the amount of interest due in each period in the amount borrowed, deposited, or borrowed (known as the total principal) to the par value. The total interest on the amount lent or borrowed depends on the total principal, the interest rate, the frequency of compounding, and the length of time the loan, deposit, or borrow. The interest rate is the price that the borrower has to pay for the money borrowed from the borrower, and it is also the return that the lender receives for delaying its consumption and lending it to the borrower.

The interest rate is usually calculated as a percentage of the interest to the principal amount for a one-year term.

Hello, I am glad to serve you and give you the following answer: postal and postal savings bank deposits are safe and secure, but postal deposits have higher interest rates, so postal deposits are more popular. Causes of the problem:

1.The interest rate of postal deposits is higher than that of postal savings bank deposits, so many people will choose postal deposits, but due to the low liquidity of postal deposits, they may encounter some problems when withdrawing money. 2.

The interest rate on postal deposits may be affected by the policy, and if the policy changes, the interest rate will also change, which may affect the income of investors. Workaround:1

When choosing a postal deposit, you should take into account the issue of liquidity, and if you need to withdraw money, you should prepare in advance so that you don't have problems withdrawing it. 2.When choosing a postal deposit, you should be aware of the changes in the policy so that you can adjust your investment strategy in time to achieve higher returns.

Steps:1Know the liquidity of postal deposits so that you can be prepared when it comes to withdrawals.

2.Understand the changes in policies so that you can adjust your investment strategy in time to achieve higher returns. 3.

Arrange funds wisely and diversify them to reduce risk. Personal Tips:1

When choosing a postal deposit, you should take into account the issue of liquidity so as not to have problems withdrawing money. 2.When choosing a postal deposit, you should be aware of the changes in the policy so that you can adjust your investment strategy in time to achieve higher returns.

Postal deposit refers to a financial product in which investors deposit funds into the Postal Savings Bank, and the Postal Savings Bank pays interest at the agreed interest rate. The interest rate on postal deposits is generally higher than that on bank deposits, but the liquidity is low and may be affected by the policy.

The interest on fixed deposits is the highest in Japan Post Bank.

The interest rate of postal banks from three months to five years is significantly higher than that of the five major banks, especially the three-year term interest rate; The second is that the interest rate of CCB is relatively high.

If you really want to earn more interest on the same amount of money, you can choose a commercial bank other than these ones. For example, China Everbright Bank, China Merchants Bank, etc. These commercial bank customers are not as able to attract savings as the big domestic banks, so the interest rate on bank deposits will be higher.

There are also a number of local banks. These banks are named after the cities where they are located, such as Bank of Beijing, Bank of Chongqing, etc. Because banks with large deposits are certainly people's first choice, these local banks have no source of savings, so they will give higher interest rates to attract customers to save business.

Precautions: 1. All formal savings institutions have the "Financial Business License" issued by the local People's Bank of China. In addition, depositors should try to choose a bank with an electronic monitoring system, which can be detected from the video footage of the banking department in case someone else makes a fraudulent withdrawal.

2. Depositors should use their real names when saving. In the unlikely event of loss of the certificate of deposit or passbook, the depositor must present an identity document that matches the name on the certificate or passbook in order to apply to the bank to report the loss. If a pseudonym is used, the original creditor-debtor relationship between the depositor and the bank is no longer protected by law.

This relationship can only be re-established after further verification by the bank and the public security department.

Categories: Business Banking >> Personal Finance.

Problem description: Pros and cons? Analysis:

Government savings have the following characteristics:

1.Wide range of services: Postal savings has the characteristics of many points, wide coverage, long business hours (open in the morning and closed in the evening, no rest on holidays), and close to residents' lives (outlets are located in residential areas, markets, commercial buildings and other places).

2.Variety: The service tenet of Beijing Postal Savings is "service first, customer first". In addition to the normal savings business, also:

It has set up a variety of agency services such as salary payment, sales and exchange of treasury bonds, insurance agency, collection of long-term bills, and local telephone bills.

3.Convenient and fast: The Postal Savings Green Card Network is currently the largest computer network in the country that processes the deposit and exchange business in real time.

The savings passbook can be used for remote deposit and withdrawal business at postal savings network points in networked cities across the country, and can be withdrawn at ATMs with savings cards.

Fund. 4.Confidentiality and reliability: Postal savings remote access must be made with a password. Users can change the card password at any ATM machine as needed.

Codes, passbooks and savings cards can be used with different passwords, and if the user accidentally loses the passbook or savings card, they can be connected to the nearest Internet point.

Handle temporary loss reporting, so as to ensure the safety of user funds.