What is it like to keep money in the bank?

I remember the first time I went to the bank to deposit money, my hands were shaking when I deposited it, but after I deposited it, I felt like I had found a safe haven.

I suddenly felt dependent on my heart, because I felt that I had found a safe haven by depositing my money in the bank, and I was not afraid of losing or missing money, so I felt that it was still very safe for me to deposit money in the bank.

Depositing money in the bank is a truth that everyone understands, but when you really deposit it in the bank, you are still unhappy in your heart, and I think the interest in the bank is too low, so it is better to buy some financial products.

Finally, I don't have to worry about holding a lot of money in my own hands all day long, and depositing it in the bank is a very correct and especially right choice for me, and I think everyone should have this awareness.

Although he said that he knew that the money was still his own, but the bank kept it for him temporarily, and he could take it out at any time if he used it, he still felt a little unhappy the moment the money was deposited.

When I went to save money with my mother, I felt very unhappy, because my mother saved a lot of money together, and suddenly felt that all the money was swallowed into the machine, and I didn't have that money in an instant.

I must be uncomfortable when so much money is suddenly handed over to someone else, and I don't think the bank is necessarily safe, isn't there a lot of robbery or accidents?

In the past, I used to deposit money in the bank, but in recent years, I generally don't like this kind of operation, because I can buy some financial products with my money, and the amount will increase relatively large.

Happy, the longer the number, the more it becomes.

I breathed a long sigh of relief, because a lot of money is not very convenient in my own hands, and there will be accidents, so it is very safe and convenient for me to deposit it in the bank.

I go to the bank every month to deposit money, because depositing money in the bank can help me effectively manage my wealth, and I can effectively increase my value by handling some business in the bank.

In the event of a war, it is safest to keep your money in a bank, and it is better to keep it in a bank than to keep it on your body. The benefits of keeping money in the bank are as follows:

1. Ensure the safety of property.

2. Interest can be obtained.

3. It can contribute to the bank and promote the development of China's banking industry.

4. Invest indirectly in national construction and invest your own strength in national construction.

Extended information: It is very necessary to go to the bank to deposit a fixed term, and it has some advantages that cannot be compared with financial products:

The first is bank fixed deposits, which can reduce the risk of deposits

The most obvious advantage of bank fixed deposits is that there is no need to worry about the risk of deposits, because the bank itself is a low-risk or risk-free financial management, and since it promulgated the deposit insurance system, it clearly stipulates the deposit protection of depositors in the bank, so in case it really goes bankrupt or goes bankrupt, the deposit insurance can first advance the upper limit of 500,000 yuan of funds, and this insurance amount has covered nearly the depositors in the country, almost covering the depositors of the whole country, in addition, If a depositor's deposit amount is more than 500,000 yuan, it can be divided into several parts and deposited in different banks. In this case, although the annualized interest rate of fixed deposits is lower than that of general wealth management products, it has the characteristics of high insurance and high security, so it is indeed necessary to take the deposit to the bank for fixed deposit.

Second, we can cultivate good financial habits

Bank fixed deposits, in some special circumstances, can also help us develop a good financial habits, such as we put spare money in Alipay Yu Bao, although this can also produce no lower interest than the bank every day, but this money is really difficult to save for a long time, because it is a kind of flexible access, which means that we may use it for daily consumption, and if we take bank fixed deposits, it is a bit like forced savings, if we deposit deposits in the bank, Don't use it easily when you don't have an emergency need for money, over time, it not only helps us develop good financial habits, but also helps us accumulate a lot of wealth.

Third, the bank fixed deposit method is constantly optimized

In the face of the impact of the Internet finance industry, banks are of course not able to continue to rest on their laurels, but also continue to optimize their own deposit structure, increase the actual deposit interest rate by floating up, and even introduce new time deposit methods, such as large orders, interest calculation by file, etc.

It's good to be in the bank. Here's why:

First, enjoy interest dividends. Keep your money in the bank and you can get a portion of the interest. There will be no interest if it is stored in Alipay.

Second, the security is better. It's safer to keep your money in the bank. As long as you keep your personal account, password and other information properly, it will be safer to keep your money in the bank.

Personally, I will also save a small amount of money in Alipay for daily consumption. After all, it is convenient to use Alipay to make payments.

My personal allocation of funds:In terms of personal money management,A portion of the funds will be deposited in the bank for a fixed period of time. A part of the funds will be deposited in Yue Bao

As for whether to keep the money in the bank or Alipay, you can make a decision based on your actual situation.

First, residents' expectations for employment and income prospects have become lower, and residents have been forced to increase some of their precautionary savings.

Second, the expectation of continuous appreciation of real estate has been broken, and the money that originally wanted to buy or sell a house was taken to the bank.

Third, it is more difficult to earn money, so reduce unnecessary consumption, and dare not spend money, so save some money quickly.

Fourth, there are also a small number of wealthy people who have high guesses because of the epidemic lockdown and liquidity constraints, and they have no chance to spend if they have money.

Fifth, ** lose money, lose money in financial management, lose money in entrepreneurship, and can only keep money in the bank.

From a personal point of view, saving money is a good thing. From the perspective of national economic development, saving too much money is not a good thing, and the increase in residents' deposits has squeezed out consumer spending to a certain extent, dragged down the expansion of domestic demand, and restricted the increase of jobs by affecting enterprise investment; In particular, consumption has become the economic ballast stone of China-Qi Bi countries.

There are two sides to everything, there is a good side and there is a bad side. Therefore, we should look at problems rationally, so that we can see the essence of things through phenomena.

First of all, the increase in deposits shows that people have money in their hands. And people are becoming more financially conscious, which is certainly a good thing. Imagine if people don't earn enough money, what do they use to save money for a family life?

Being able to have money in the bank means that people have some money to spare in order to meet their own living conditions. Depositing this money in the bank can generate some interest, making the money more and more, and it is also a common way for people to manage their money.

Second, the increase in deposits and the decrease in consumption also reflect the downturn in the consumer market from one side. Because it is not easy to make money now, people don't dare to spend as much money as before, because if you spend Kaizen out, you may not be able to make more money. Therefore, in line with the idea of living frugally and staring at the dust, the money that can not be spent is exhausted, and the money is saved for emergencies.

Third, the increase in deposits and the return of savings are conducive to stabilizing the economy and finance, but the increase in savings and the decrease in consumption also show that residents are more cautious in their views on future economic development, that they have insufficient confidence in consumption and investment, and that the consumer market is still in a sluggish state, which will have a certain negative impact on economic development.

In short, each family has its own ideas and intentions, most families are saving as a way to manage money, although the interest rate is not high, but always in the bank, but more practical, but also can have interest income. If you choose to invest, you may not make money and lose money. However, the market also needs everyone to consume, which can stimulate the development of the economy.