Will banks be short of money? What happens if you don t have money in your bank card for a long time

In the eyes of many people, the bank is a gathering place of wealth, there are countless currencies in it, and some people are even very envious of the staff in the bank, who can touch countless currencies every day. So will the banks be short of money? Many people will say, how is it possible, if the bank is short of money, will the people still have money, and won't the people of the whole country be in dire straits!

In fact, this view is very wrong.

The phenomenon of lack of money in banks has always existed, the most serious consequence of bank lack of money is the failure of banks, China's financial system is relatively conservative, under the relatively loose financial policies abroad, private banks, small and medium-sized banks are all over the place, and the phenomenon of lack of money and bankruptcy of banks due to improper operation is even more common, with the continuous integration of the market and the integration and development of the industry, this phenomenon has gradually been controlled. China has also had bank failures, and the Hainan Development Bank was the first commercial bank in the financial history of New China to close down due to the payment crisis.

On 1 May 2015, the Deposit Insurance Regulations came into effect. At the Lujiazui Forum in 2016, authoritative figures in China's banking industry also made it clear that financial institutions are allowed to go bankrupt in an orderly manner, which means that banks can fail. These facts strongly prove that the phenomenon of lack of money in banks is real, and in some cases this difficulty can be overcome, but what to do if it cannot be overcome, the only way to do it is to allow the bank to fail.

Why are banks short of money? Speaking of this issue, we have to say what is the role of banks for depositors, in my opinion, banks are safe, and keeping money in banks can avoid the risk of hiding money at home by bad people to steal, rat bites, mold and rot; Second, you can earn part of the interest, although the interest of the bank is not high, it is also regarded as an income; Third, it has supported the development of the country's financial industry, promoted the effective use of market resources, and rationally allocated resources.

The emergence of online wealth management platforms such as Alipay and WeChat Wealth Management is a huge impact on the traditional banking industry, Alipay and Wealth Management will integrate offline wealth into online through banks, and transfer, payment, and shopping can be done with one click, which not only solves the problem of currency storage, but also facilitates consumption. Therefore, more and more people are transferring money from banks to online wealth management platforms, digging up some of the bank's customers and resources.

It is said that keeping money in the bank is depreciation, and more people have transferred money from the bank to various wealth channels: **, real estate, venture capital, etc., and they would rather take risks to win greater benefits than receive meager interest.

It is even more fantastical to contribute to the development of the country's financial industry, and now they are all focusing on their own interests, and no one is willing to give without return, which should be said to be a kind of degradation of people's values.

In addition, the interest rate of the bank is getting lower and lower, and the funds flowing into the bank cannot be guaranteed, so it is completely capable of the bank to lack money.

Hey, you know what? Banks will also be short of money, and if they are really short of money, how can banks make loans, withdrawals, etc.? I always thought that the bank was the richest, but it turned out that there was also a time when there was no money hahahahahahaha.

But why are banks short of money? Aren't there a lot of people who keep their money in the bank? It's really confusing

It is understood that even if you deposit a large amount of money in the bank, the money deposited in the bank is not all in the bank, but a part of the money deposited in the bank is deposited to the central bank, and then a part of the reserve is left, and then the last remaining deposits will be used by the bank to lend money to earn interest differentials. Deposits are divided into long-term deposits and short-term deposits, but in case of temporary borrowing needs, banks generally theoretically use long-term deposits for long-term loans, and then use short-term deposits for short-term loans. Then why is there a shortage of money in the bank?

It is because the scale of the bank's infrastructure is too large, and sometimes a large number of short-term deposits are also placed in long-term loans, which can be imagined to form a maturity mismatch, so that banks sometimes have a shortage of banknotes. To sum up, the reason why banks are short of money is because banks have expanded the scale of loans in order to make a wider interest rate spread, so that banks are short of money for a short time.

I still remember in June 2013, when people were still immersed in the ecstatic capital feast, the "money shortage" suddenly appeared in front of our eyes, sprouted from the banking system, and was magnified in the capital market. In this chaotic and panicked situation, and in that capital feast, the healthy trend of the national economy has been seriously damaged, many interests have been harmed, and the pressure on the economic road has further increased. Therefore, the state should pay attention to this issue and pay attention to the scriptures.

<> structural problems of difficult and expensive financing for small and medium-sized enterprises in China have overwhelmed these small and medium-sized enterprises, and at the same time, they have also brought hidden financial risks. The use of big data to increase the credit data of small and medium-sized enterprises can improve the financing environment of small and medium-sized enterprises to a certain extent and alleviate the problem of high financing costs. The essence of finance must form a benign interaction with the real economy, and only in this way can China's economy achieve double improvement in terms of quality and efficiency.

At the end of each year, bank funds are tight, and the "money shortage" has been plaguing banks. Why is there a "money shortage" in banks at the end of the year? There are several factors:

First, from the end of the year to the Spring Festival, enterprises have reached the peak period of money consumption, and enterprises have begun to borrow money from banks; Second, the world expects the US dollar to raise interest rates, a large amount of funds flow back to the United States, and some funds in China also flow to the United States: third, the central bank prevents the depreciation of the renminbi and begins to tighten monetary policy, and the currency put on the market is reduced, and banks are short of money.

On June 20, China's interbank treasury bonds** collapsed again in the morning, and the yield of 1-year treasury bonds rose wildly, inverting with the yield of 10-year treasury bonds, and the market showed a full-scale panic selling. A joint-stock trader in Shanghai said that in the morning, most institutions had only one task: to close positions.

The (institutions) who have no money sell, and they sell without discipline, and those who have money buy wildly; But there are many who have no money, and there are few who have money. A trader at a brokerage firm in Shenzhen said, "The short-term bonds bought at this point at this point can be regarded as picking up wallets; But it will not rise even if it is not guaranteed, and the market is already panicking. ”

According to data released by the People's Bank of China, in April 2023, the balance of household deposits decreased by one trillion yuan from the previous month. This figure suggests that residents may be using their funds for other areas of investment or consumption.

There are several possible reasons that could explain this phenomenon. First of all, the economic recovery and rising inflation may lead some people to choose to invest their funds in high-risk and high-return areas such as ** and Tongqi real estate. Second, due to the impact of the pandemic, many people are likely to increase their spending on health, education, and travel, among other things.

Finally, due to falling interest rates, some people may choose to buy consumer goods or make large purchases.

It should be noted that this is only a speculation and does not fully explain why residents' deposit balances have decreased by one trillion yuan. In addition, a drop in deposit balances does not necessarily mean that everyone is investing or spending. Some people may choose to transfer their funds to other types of bank deposit accounts or engage in other forms of financial activities. With teasing.

<> "You can withdraw money if your bank card expires. If the bank card expires, you can't withdraw money at the ATM, and other businesses are generally normal. You can take out the money through a third-party channel that binds a bank card, such as Alipay or WeChat, so everyone feels that their bank card has no expiration date.

After the expiration of the validity period of the savings card, counter and online business can generally be handled normally, but some ATMs, POS and other services will not be available, but some banks will also restrict transactions through all channels. Therefore, when the bank is overdue, there are two ways to withdraw money when other businesses cannot be handled:

1. You can go to the bank counter and withdraw the balance in the card with your ID card and expired bank card.

2. You can re-apply for a replacement card directly at the bank counter, and the money will be automatically transferred to the new card after the new bank card is completed, and then the new card will be taken out after the new card is completed.

When replacing the bank card, if you don't want to change the card number, you can put forward your own requirements with the staff, some bank cards can be changed without changing the number, but most of the bank cards can not be changed without changing the number, you can consult in detail and understand clearly before replacing the card, to avoid a lot of inconvenience in the future.

Yes, at present, the bank card is operated on the smart teller machine, and the card will be issued directly after the card is issued, and there is no need to pay money, but there is a cost for the card, and the system will automatically deduct the fee after the user saves the money in the future.

There are three kinds of fees for debit cards, namely the cost of work, the annual fee and the small account management fee, the cost is the cost of the card, the system will automatically deduct the fee after the bank card is deposited, the annual fee is charged once a year, a bank can reduce the annual fee of a bank card, the small account management fee is charged once a quarter, the average daily balance of the general bank card is lower than the amount specified by the bank, and the amount higher than the amount specified by the bank is not charged, and the charging standard is subject to the bank.

Bank interest cannot beat inflation. We all know that money has a time value, that is, the purchasing power of money will continue to decline over time. Judging by the demand deposit rate and the inflation rate, the interest rate of the bank cannot beat inflation.

If you keep your money in the bank, the buying power of the money will continue to decline. For example, when you make a deposit in the bank, you can buy 100 short eggs for 100 yuan. After three years of saving, 100 yuan becomes 108 yuan, but when you take it out, you find that you can only buy 90 eggs, or even 85 eggs, and your purchasing power has dropped significantly.

In the information age, what kind of product is more convenient, the more often people use it. Banks are like that. Before the arrival of mobile Internet, banks were arguably the best option.

Whether it is a business or an individual, it will be done through the bank. Because once the bank interest rate is too high, it will inevitably have a serious impact on the enterprise. Therefore, we must keep interest rates relatively stable.

As a result, the risk of bank depreciation is greater.

Even after the advent of the mobile internet, the security of banks is second to none, and the convenience of transferring money is improving. Therefore, even if bank deposits do not beat inflation, more people will still choose banks. Even with the rapid development of financial products, there are still a large number of savers who choose fixed deposits as the best way to manage their finances.

Therefore, even if they can't beat inflation, many people still choose to keep their money in the bank.

Originally, there was not much money for low- and middle-income people. If the currency depreciates again, the standard of living will fall and purchasing power will decrease. Therefore, how to balance the funds in hand without depreciation and achieve optimal appreciation is not only an issue that must be paid attention to, but also an issue that needs to give ordinary residents more investment channels.

Otherwise, the depreciation of the real currency will have a great impact on the purchasing power of the population.

Because as the interest rate of bank deposits decreases year by year, the lack of money in the bank will only make the income more and more low. And as inflation increases, so does money. If you have a good way to invest and manage your money, don't keep all your money in the bank.

Because the interest rate has been declining year by year, the deposit has only been lower and lower. As inflation increases, so does the currency. If Lu Qingguo is very wealthy, don't put everything in it.

Because the interest rate on bank deposits is relatively low, this method makes many people feel that there are no development prospects and no particularly high returns.

Because the interest rate of the bank is not particularly high, the price is constantly **, and the interest of the bank cannot offset the price **.

Because the interest rate of the bank is not particularly high, the money in the bank does not increase in value. It will also limit your investment.

It is because now all bank cards can be bound to mobile phones, and at this time we can directly consume on mobile phones.

Answer: Due to the fierce competition in the industry and according to the notice of the regulatory authorities, the minimum deposit of large-value certificates of deposit has changed from the original 300,000 to 200,000.

The follow-up of the bank's lack of money is that the bank cannot take out the loan, and when others come to withdraw the money, the bank will not be able to take out the money to give it to others, and it needs to borrow from other banks.

Subsequent effects can lead to systemic runs, panic among depositors, and social unrest.

The most direct impact is that the money deposited in the bank cannot be withdrawn, or the bank cannot continue to lend, and there is no way to obtain better returns, and it will definitely fail after a long time.