What indicators do residents savings deposits belong to?

Indicators belonging to the retail sector.

Savings deposits are personal deposits, and corporate deposits are called corporate deposits.

Savings refers to the economic activity of each person or family to save the money saved in the bank. It is a deposit activity in which urban and rural residents deposit their monetary income that is not used or surplus for the time being into banks or other financial institutions. Also known as savings deposits. Savings deposits are an important asset for credit institutions**.

Extended Materials. Save regularly.

That is, a kind of savings that agrees on the deposit time in advance, and can withdraw the principal and interest only after the deposit expires. It has a high accumulation capacity and is a relatively stable credit fund**. The starting point of opening an account, the length of the deposit period, the time and frequency of deposits and withdrawals, and the interest rate of regular savings vary depending on the type of savings.

There are four types of fixed savings in China: lump sum deposit, lump sum deposit, lump sum deposit, and principal and interest. The first two are the majority. In addition, there are "prize savings" and "fixed savings" (a type of savings that uses a certain amount of bearer certificates of deposit as a certificate of deposit) and savings that can be used in combination with consumer credit for the purchase of durable goods.

Extensive development of various forms of savings not only facilitates the different needs of depositors, but also helps banks to arrange the use of funds in a planned manner.

The fixed savings of China's major banks mainly include: lump sum time savings deposits, fixed savings deposits with interest on principal deposits, fixed savings deposits with interest on principal deposits, fixed savings deposits, call deposits, education savings deposits, and communication deposits.

OCBC RMB savings.

It is a kind of savings specially organized for overseas Chinese and Hong Kong and Macao compatriots. Overseas Chinese, Hong Kong and Macao compatriots sell the foreign currency, **, and ** remitted or brought in from abroad, Hong Kong and Macao to the Bank of China, and use the renminbi they have earned to participate in this kind of savings, with preferential interest rates. When storing, you can open an account with a foreign exchange certificate (or a certificate of remittance of overseas Chinese).

Only RMB can be withdrawn at maturity.

Other savings include prize savings, value preservation savings, postal savings, salary savings, housing savings, etc.

Bank of China can provide you with personal foreign exchange deposits divided into: demand deposits, time deposits, call deposits, and other deposits approved by the regulatory authorities.

Chinese residents' savings deposits can be divided into: demand savings deposits. Starting from 1 yuan, there is no limit to multiple deposits, and you can access it at any time.

When opening an account, the bank will issue a passbook, and the deposit and withdrawal will be carried out through the passbook, and the interest will be settled once a year. It is characterized by frequent changes. Fixed Savings Deposits.

A type of deposit in which the depositor agrees with the bank on the time of withdrawal, and withdraws the principal and interest at maturity. It is the main component of China's livestock deposits, and its balance accounts for more than 80% of the entire savings deposit balance. Fixed savings deposits are further divided into lump sum deposits, lump sum deposits (multiple deposits, one withdrawal), principal deposit and interest withdrawal, and lump sum deposit and withdrawal.

OCBC (RMB) Time Savings Deposit. A kind of savings specially organized for overseas Chinese and Hong Kong and Macao compatriots. Other savings deposits.

Including interest-bearing savings with prizes, housing savings, consumer durables savings, travel savings, fixed living savings, salary savings, etc.

The average of the amount stored.

The average amount of deposits per capita within a certain space of all the inhabitants deposited in the major banks. In China, it is generally calculated at the provincial or municipal level, and there are three main ways: time deposits, demand deposits, and call deposits.

A fixed deposit is when a user enters into some kind of agreement with a bank to deposit a sum of money in the bank, and the user can withdraw the money only after the specified withdrawal time. The minimum term of fixed deposits in China is three months.

Thrifty and hardworking: Most Chinese residents are active and hardworking, value frugality, and believe that they can succeed through hard work. Optimistic, positive:

Chinese residents are generally optimistic, positive, hopeful, and mood, believing that a bright future can be achieved through hard work. Teamwork: Chinese encourage teamwork, value relationships, make full use of resources, and achieve a win-win situation.

Household deposits refer to the savings deposits of residents absorbed by banking financial institutions through credit and the deposits at the disposal of household departments absorbed by other means. The deposit is a credit method of the bank and is a resident savings deposit. - Encyclopedia.

Household deposits refer to the savings deposits of domestic individuals in domestic and foreign currencies in banks, including bank current, fixed and on-balance sheet wealth management. In addition to savings deposits, the composition of residents' financial assets also includes bonds, bonds, etc., and such financial assets are not included in the statistics of household deposits. ——**MBA Think Tank Encyclopedia.

Resident deposits, also known as individual deposits, refer to the deposits of individual residents in banks. - Encyclopedia.

Therefore, the range of household deposits is larger than that of residents, which corresponds to the M2 index of the local bridge.

With the trillion-dollar decline in residents' deposits at the end of April 2021, people have begun to pay attention to where their deposits are going. Resident deposits refer to the monetary funds that can be withdrawn and used at any time by domestic residents in banks, postal savings and other financial institutions. So, where did this trillion dollars go?

This issue will be analyzed from multiple perspectives below.

1.Money market**.

Some residents may transfer their deposits to the money market**. The money market is a type of short-term bond, which includes short-term financial instruments, such as banker's acceptances, commercial papers, short-term treasury bonds, etc. Because the money market** is relatively less risky and has certain advantages in terms of returns, some residents may transfer their deposits to the money market** for higher yields.

2.Invest in real estate.

Another group of residents may choose to use their savings to buy real estate. Since 2016, China's real estate market has continued to be hot, and many people have invested in home purchases. However, the introduction of real estate control policies to curb the rapid price of housing may also lead to some people no longer using their funds to buy houses.

3.**Investment.

** is another factor that may cause a decrease in residents' deposits. Especially after the epidemic, the A** field performed well and attracted a lot of capital influx. However, there are also certain risks, and investors need to carefully assess the risks before making a decision.

4.Consumer expenditure.

As the economy recovers, some residents may increase their consumption. Especially with the gradual recovery of domestic tourism, some people may take advantage of the holiday season to travel, which may also be where some of the savings are going.

5.Foreign exchange purchases.

With relatively strict domestic exchange controls, some residents may choose to transfer some of their funds overseas. In addition, some people may choose to buy overseas properties or invest in overseas financial markets.

In conclusion, there are many reasons for the trillion yuan reduction in residents' deposits, and this money may be distributed across many different assets. For residents, rational investment and digital currencies are also an investment method that can be considered.

Ordinary resident deposits are savings deposits. Deposits in which ordinary residents open accounts with other depository companies and deposit funds or currency, and the deposit certificates issued by other depository companies and the principal or interest are spent by ordinary residents on the basis of the deposit certificates, is called savings deposit lease.

There are many types of savings deposits, including demand savings deposits, fixed savings deposits, education savings deposits, and value-preserving savings deposits. There are many techniques for savings deposits, including the 12-deposit certificate method, the tiered deposit method, the roll-over deposit method, and the 4-point savings method.

12. The certificate of deposit method is suitable for investors who pursue risk-free returns, and can deposit 10%-15% of their monthly salary income as a fixed deposit. Funds retained in the payroll account enjoy a very low interest rate on demand deposits. If you have a large salary, you will lose interest by keeping the funds in your payroll account.

The tiered deposit method is similar to the 12-certificate of deposit method. The rollover deposit method refers to the combination of principal deposit and interest withdrawal and fractional deposit and withdrawal, so as to obtain a higher deposit interest. The 4-point savings method is used when the specific amount and timing of each use of money is uncertain, for example:

Divide 10,000 yuan into 4 deposit receipts, 1,000 yuan, 2,000 yuan, 3,000 yuan, and 4,000 yuan, with a deposit period of 1 year. If the depositor is in urgent need of money, he can withdraw the funds in any of the certificates of deposit, and the rest of the certificates of deposit will continue to accrue interest.