Nowadays, there are still many people who like to deposit time in the bank, so the interest is not t

Don't make fun of those who save time deposits, when the risk comes, everyone can realize that those who deposit time deposits in the bank are basically wise and foolish people. Although the current deposit interest rate is relatively low overall, bank deposits also have their own advantages, that is, they are very safe.

At present, there are two types of investment and wealth management products that can really guarantee principal and interest on the market, one is deposits, and the other is treasury bonds, how much interest can be obtained from these two types of deposits, which can be calculated on the day you deposit, and as long as the bank does not have some extreme circumstances, these money can be taken back with interest after maturity, even if the bank goes bankrupt, the deposit amount within 500,000 yuan can still be unconditionally taken back, and this security is incomparable to other financial products.

Many people may think that the interest on the money in the bank cannot beat inflation, and it will only save less and less, but for those friends with low risk tolerance, in the process of investment and financial management, the first thing we should consider is safety rather than income, only to ensure the safety of the principal and then talk about income will be meaningful, if there is no principal, you talk about income is meaningless.

Although there are many financial products in the market with relatively high yields, such as **,**,***,**, etc., these investment and wealth management products may be able to obtain a yield of 50% or even more than 100% in 1 year. But this rate of return is unstable, in case of a sudden unexpected situation in the market, there may be **, then you not only have no gains, you may even lose the principal, especially for the friends who speculate **, although the potential income is very high, but if you do the opposite, it is possible that all the principal will be lost.

Therefore, not all high-risk and high-yield financial products are suitable for all people, if everyone's risk tolerance is relatively low, the income capacity is relatively low, and the only savings have a greater impact on everyone, and can not bear too many losses, then we should not easily touch those high-yield financial products, and high-yield must be accompanied by high risk at any time. So don't laugh at those who keep their money in the bank, they are just trying to maintain what little savings they have.

Yes, but such deposits are very stable and do not have too many financial turmoil, which is still very practical for some people.

The interest is indeed quite small, but it is safe to deposit in the bank for a fixed term, and there is no risk.

In this way, the interest is indeed too little, but it will be safer to have a bank, without any risk, especially for the elderly.

Yes, such interest is indeed too little, but it is safer to keep this money in the bank, and the interest is relatively fixed.

There is a bank deposit insurance system called bank deposit insurance, which is mainly to ensure the safety of depositors' savings. Every bank and financial enterprise is required to participate in deposit insurance in order to prevent bank failures and impoverished depositors. The credit limit of this compensation is more than 500,000 yuan, and only the depositor's savings plus interest shall not exceed more than 500,000 yuan, and if there is an accident, the state can get full compensation.

Ordinary people everywhere talk about cost-effective, thrifty in daily life, and feel that the money in the bank is more cost-effective than the survival period. For example, take more than 10,000 yuan to deposit money in the agricultural and animal husbandry bank, <>

The annualized interest rate of demand deposit is only 36 yuan in a year, and the annualized interest rate on time will be 210 yuan a year! Therefore, ordinary people only look at personal interests! After several considerations, after careful consideration, or think that it is best to keep the money in the bank for a fixed period!

Therefore, this is why many people choose the deposit period of the bank, because most of them are ordinary people, every penny is not easy to come by, and the home reservation of the ****, <>

It is not safe to put it at home, there is no interest on the card, and I feel that there is always something less, so I choose to deposit it in the bank, in short, this large amount of money is not used, it is better to eat a little interest is more cost-effective. Once the money is deposited in the bank, after all, it is on time, and it will not be withdrawn for a while. If we want to take it out, then the interest needs to be greatly reduced, which is very distressing for us.

It is also gradually promoting us to continue to make money, plus this kind of money is deposited in the bank, and there is more support in the heart, so that we can earn money, and we will be more stable and motivated. In the past five years, I was able to earn this money again, although it was hard, <>

But it always accumulates more and more. It's not like everyone's young people, they can make money, but they spend money like running water, the money is on everyone's side, you can take it at any time and spend it anytime, anywhere, money is a data, there is no concept of spending it, and there may not be much money later. The money is put in the bank for a fixed deposit, and there will not be like some investment and wealth management products, the interest rate will be raised, and when the interest is settled, it will be restored, not that it will not be able to reach the interest promised at that time, or even there will be a loss of sales, and even the cornerstone of the principal has been shaken.

Because the interest rate of time deposit is relatively high, and the interest loss when you want to use it is relatively small, the interest rate of time deposit is relatively high.

Because people think that fixed deposits will get a certain amount of interest, and it is safer to keep money in the bank, the interest rebate must be particularly high, and it must be higher than that of current deposits.

There is interest for putting money in a bank card.

Bank deposits. It is divided into demand deposit and time deposit, and the money deposited into the bank card, if there is no time deposit business, then the interest will be calculated according to the current deposit interest rate. But if you deposit money into a credit card, then there is no interest.

If it is a demand deposit, calculated according to the interest rate, if the customer deposits 10,000 yuan and withdraws it after one year, then the interest is: 10,000 * yuan. If it is a fixed deposit, calculated according to the interest rate, then the interest is:

10,000*.

Further information: 1. Definition: Interest is the royalty of money for a certain period of time, which refers to the remuneration received by the holder of money (creditor) from the borrower (debtor) for lending money or monetary capital.

This includes interest on deposits, loans, and interest on various bonds. in the capitalist system.

The source of interest is the surplus value created by the wage labourers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit. Every enterprise has to borrow money from the bank in the process of production and operation, and how to record the interest on the loan. Under the requirements of the new accounting standards, short-term borrowings are being made.

Take short-term borrowing as an example, let's record the interest on the borrowing.

2. For example, if a friendly enterprise borrows money from ICBC, the amount is 1 million, the time is three months, and the interest rate is 9%, how to deal with it.

When a loan is obtained, it can be included in the bank deposit account.

The amount of the debit is 1 million, and the amount of the credit included in the short-term borrowing account is 1 million.

When there is interest, interest can be accrued, or interest can not be accrued, and there are two aspects of direct payment when due.

1. If the interest is not accrued, it can be included in the debit side of the short-term loan when it is paid directly after maturity, and the amount is 1 million, which is included in the financial expenses.

The debit side of the ledger account is 10,000 yuan, and the credit side of the bank deposit account is 10,000 yuan.

2. If you want to accrue interest on a monthly basis, you can include the debit side of the financial expense account when withholding interest in the first month, and the amount is 10,000 yuan, which will be included in the interest payable or withholding expenses.

The credit side of the ledger account, the amount is 10,000, taking the first month as an example, several consecutive accounting entries.

All of them are the same, when the interest on the loan is to be repaid at maturity, it can be included in the debit side of the short-term loan account with an amount of 1 million, the debit side of the interest payable or withholding expense account with the amount of 10,000, and the credit of the bank deposit account with the amount of 10,000.

It is not that there is interest on fixed deposits, because as long as you have money in your account, you will have interest on the first one, but the interest is low according to the interest of the current account, and the interest is not calculated according to the fixed one, and you can only calculate the regular interest according to the fixed number of deposits.

Of course, Ping An Bank's current current RMB deposit interest rate is: 30,000 yuan for one year, and the loss interest is: Congqiao 90 yuan.

Banks with high interest rates on fixed deposits: Postal Savings Bank, Minsheng Bank, urban commercial banks, rural commercial banks, credit cooperatives, and private banks.

1. At present, there are six large state-owned commercial banks in China, namely Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, Bank of Communications and Postal Savings Bank. Among them, the interest rate on deposits established by the workers and peasants is relatively low, and it is also the type of bank with the lowest deposit interest rate in the market at present, and the highest interest rate on ordinary deposits of these major banks is only about three years, and the interest rate on large-amount certificates of deposit is only about about that. Relatively speaking, the deposit interest rate of the Postal Savings Bank is relatively high, and the current three-year interest rate of the ordinary deposit of the Postal Savings Bank can be given about that, and this interest rate is much higher than that of the other five major banks.

2. Joint-stock banks include China Merchants Bank, Industrial Bank, Minsheng Bank, etc., the current deposit interest rate of these banks is similar to that of large state-owned banks, and the deposit interest rate of individual outlets will be slightly higher than that of large state-owned banks, but most of them are actually similar to the interest rates of several major state-owned banks, the interest rate of ordinary deposits is about between, and the interest rate of large-amount certificates of deposit is probably around.

3. At present, the deposit interest rate of urban commercial banks is higher than that of other large banks, these banks mainly serve the region, and the elderly customers are mainly in the region, in order to be able to compete with other large banks, their floating interest rates will be higher. For example, at present, some urban commercial banks can give about a three-year ordinary deposit interest rate, and even a few banks can increase it.

5. If you want to say that the bank with the highest deposit interest rate, it is none other than private banks, which are a type of bank that has only emerged in recent years, and these banks have few outlets and small scale, so in order to absorb more deposits, they will generally give higher interest. Especially in the past two years, the smart deposit interest rate launched by some banks is more attractive, and the five-year smart deposit maturity interest rate of some banks can reach about it, these deposits can be withdrawn in advance, and the early withdrawal is timed, and some banks can get an interest rate of more than 4% for early withdrawal after more than one year, and this interest is still very rotten.

I think it's still very necessary to keep money in the bank, and I think these places are very good:

1.Deposit in the bank for a fixed period of time, the funds are safe, and the heart is steady. Keeping money in the bank is much safer than other investment methods.

When you have money in your account, when the interest generated by your principal is positive every day, you will not have any anxiety in your heart, and you will sleep very steadily, because you don't have to worry about whether you will lose money tomorrow if you make it today.

If you have a lot of liquid funds in your account, you will no longer have the desire to work hard to make money, and you will even have three days of fishing and two days of drying nets. If you don't have a lot of liquidity, it will inevitably force you to work. So at the end of the day, in addition to the interest generated on the principal, you will have a lot more money that you have earned through hard work.

Many people rely on this way to accumulate a lot of wealth over time.

3.Save a fixed period to help accumulate a good reputation. In fact, every deposit you make in the bank is recorded, and some of them are for those customers who have more deposits in the bank, but they are all big customers of the bank.

Then in the later stage, such as doing big things, involving some loans, etc., or handling mortgages, etc., it will have a lot more advantages than others.

So, saving a term is a worthwhile thing to do. In rural areas, many elderly people support their children to buy houses and cars in the city through regular savings, and together they have realized the change of family destiny.

Of course, if you deposit money in the bank, you can't just save it, and there are some precautions:

1.Different deposit periods, different interest rates, the interest received is also very different. Generally, in bank deposits, the current interest rate < 3-month interest rate< 6-month interest rate< 1-year interest rate< 2-year interest rate< 3-year interest rate.

Some banks also have 5-year deposits, but the interest rate is less than that of 3-year deposits, and we should pay attention to this situation.

If you don't need the money in a hurry, you can save it for 2 or 3 years, so the interest is very good.

2.If the amount of funds is relatively large, remember to choose the form of a large certificate of deposit. In bank deposits, generally more than 50,000 yuan deposits, there will be large deposits, and the interest rate is higher than ordinary deposits; If the capital reaches more than 200,000 yuan, you can deposit in the form of a large certificate of deposit, and the interest rate is higher than that of a large deposit.

So be careful at this point and don't get confused by the bank staff.

3.It is also crucial to choose a different bank. Before making a deposit, compare the interest rates of some banks. The annual interest rate of state-owned banks is much lower than that of some local banks. If you deposit in the wrong bank, you will receive a lot less interest.