Many people say that keeping money in the bank is the logic of the poor, so that the more you save,

I also think that if you want to make money, you should let the money flow and let the money "grow" money.

I feel that way, too. We must make use of the money, which can be invested or bought in wealth management products, so that the money can increase in value.

Personally, I agree. If the interest on the same money is only seen in the bank is small, if it is used for other things, it is possible to obtain greater wealth.

Nowadays, more and more people will earn some property through their own efforts, but because of the different processing methods, some people make more and more money, and the money in life is constantly increasing. There are also some people who will keep their money in the bank, and they will use it when they encounter things, and the money will not increase much, but they can save a lot, and if they encounter such a big thing as buying a house or a car, they will stop and spend it, and they will return to the original point.

Everyone's money is stored in the bank, which can only be said to be able to save money, and have a place to put the money they earn, which plays a safe role in the wheel balance, and the interest is generally relatively small, and it will not produce any greater wealth, and can only be accumulated little by little by themselves. So if we use the same money in a reasonable way, through financial management or entrepreneurship, if we succeed, we will definitely have great gains, and through this continuous accumulation, there will definitely be more and more. <>

From ancient times to the present, those who are rich are always people who are tossing, and those who stay in place will only get poorer and poorer. Often, those wealthy people in the family have gained more wealth through continuous accumulation, through venture capital and so on, and just putting it in the bank can only prove how much money they have, and it will not increase much. The reason why there are few wealthy people is because everyone puts the wages they earn with their labor in the bank and takes them out when they use them, while the people with brains make their money more and more through other methods.

In my opinion, if you want to make more and more money, you must not only keep it in the bank, but also have the courage and confidence to change. There is so much money just in the bank, and even if you keep making money, you can't accumulate more wealth. Smart people should make their money more and more through various methods and have a better inheritance.

Disagree. Such an idea can be said to be very incorrect, if you can save a lot of money in the bank, then you will have a certain amount of regret, and you will also have a very stable income.

Agree that prices are soaring, and the interest of banks cannot resist prices well, so it will lead to getting poorer and poorer.

I don't agree with this sentence, if you have a bank, there is a certain interest, and the money may also appreciate.

I don't agree with this sentence, because keeping money in the bank is a means of asset allocation, and everyone needs a certain amount of cash flow.

For a long time, many people would feel that it was very bad to keep their money in the bank, because it was generally believed that the interest rate on bank deposits was very low, and there was no way to beat inflation. In real life, we will not only keep our money in the bank, but also carry out various asset allocations, and some people will also make some active investments. Whatever the method, all of our practices are asset allocation, and I think keeping money in the bank is also a way of asset allocation, and that's not a big deal.

1. I don't agree with this sentence.

Think about it, if a person doesn't have any money in the bank, it basically means that the person doesn't have any cash flow reserves, and the person doesn't have any ability to resist risks. In life, we not only need to pay attention to investment, but also need to pay attention to the daily expenses in life, which basically need to be completed by cash. <>

2. Depositing money in the bank is a means of asset allocation.

If a person's assets have reached a certain size, this person will not only make active investments, but also set aside a part of the cash flow to engage in various social activities in this way. Bank deposits have become almost the most liquid form of cash flow, and it is for this reason that most people with certain assets will set aside a part of their bank deposits. <>

Third, I don't think there is any need to underestimate the interest rate of the bank.

The reason for this is that deposits that are mainly used in banks are not used for investment in themselves, but also for cash flow reserves. If a person wants to get a higher return on investment, this person can choose more active investment products, so I don't think there is any need to compare bank interest with other investment products. Although the interest rate of banks cannot outpace inflation, banks are a very safe way to allocate assets, and we do not need to worry about the purchasing power of this part of cash flow.

I don't agree with the phrase "Heng Jiao", because if you are a particularly rich person and a very poor person, they will keep their money in the bank, not only the very poor will keep their money in the bank. For those who are particularly rich, they can't spend all of it, and the money will be kept in the bank.

I don't agree with it because I am more conservative when I deposit my money in the bank, but the interest rate is relatively low, and this behavior is relatively safe, not particularly risky, and there will be no large loss of rent. You can get a little bit of interest every month.

I agree with Sun Zhuan's statement, because the interest rate of Guess Ku Bank is very low, and the interest obtained is very small, and Suikai Cave is not conducive to protecting our personal interests, so I agree with this sentence.

There are many people in China who are "willing" to live, maybe the marriage is not happy, two people are not suitable to be together, but for the sake of children, or they are used to it, and will continue to be together "on".

This kind of "will" can also be seen in financial management; Knowing that money is depreciating year by year, and knowing that money in banks will only become "less", there are still many people who continue to keep money in banks.

Most Chinese believe that banks are the safest, will not fail, and will not run away. However, the 2016 Deposit Insurance Regulations say that banks are allowed to go bankrupt and that they will no longer take over banks.

If an individual's deposit in the same bank exceeds 500,000 yuan, the bank will not pay compensation for the failure of the bank, and compensation will be paid within 500,000 yuan. The birth of this regulation broke the curse that the silver will not go out of business.

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.

The same customer deposits in the same bank with an insurance amount of 500,000 yuan. This means that no matter what happens to the bank, even a bankrupt customer can be unconditionally recovered within 500,000 deposits in the same bank. It is estimated that some netizens have some questions.

Since the deposit insurance regulations can only guarantee an amount up to $500,000, does this mean that deposits of more than $500,000 in the same bank are not protected? Is it impossible for banks to recover deposits of more than $500,000? Because of these problems, some netizens advise you not to deposit more than 500,000 in the same bank.

If the deposit is more than 500,000, it is better to spread the deposit in several banks, but this concern is completely unnecessary.

What is certain is that deposits up to $500,000 and deposits above $500,000 are safe. Although the current deposit insurance regulations stipulate that individual customers' deposits within 500,000 yuan in the same bank are protected, it does not mean that there is no security guarantee for deposits above 500,000 yuan. The reason why China has set up deposit insurance regulations is actually to prevent unexpected situations, such as when a bank goes bankrupt, and the customer's deposit can be safeguarded.

The reason why China wants to set a deposit insurance amount of 500,000 yuan is because this amount has exceeded the person, which means that even if the bank goes bankrupt, it will not have any impact if it exceeds the % of deposit customers. But that doesn't mean more than 500,000 isn't safe. In fact, China's banks are still very healthy, and there is little chance of major banks going bankrupt.

In the past few decades, three banks, Hebei Shangcun Credit Cooperative, Hainan Development Bank, and Contractor Bank, have gone bankrupt.

At present, there are more than 4,000 banks and more than 200,000 bank outlets in China, and the overall banks are still very safe, the revenues and profits of major banks are still growing, and the capital adequacy ratio and non-performing loan ratio are within a reasonable range, so there will be no special risk events. More importantly, at present, China's regulatory authorities are very strict in the supervision of banks, and there are strict assessment indicators every month and quarter, especially the MPA assessment, which is a headache for major banks. Deposit refers to the depositor's temporary transfer or deposit of funds or currency into a bank or other financial institution, or the temporary transfer of the right to use to a bank or other financial institution, under the condition that the depositor retains ownership, and is the most basic and important financial act or activity, and is also the most important credit fund of the bank**.

Deposits are one of the most basic operations of a bank. Without deposits, there are no loans, and there are no banks. From the point of view of the time of production, deposits predate banks.

During the Tang Dynasty, China had a counter that specialized in accepting and keeping money. Depositors can use similar cheques to "stick" or pay for other letters. Coin changers, who appeared in Europe in the Middle Ages, also accepted customer deposits, which was the germ of the deposit business of foreign banks.

With the advent of banks and other financial institutions, the deposit business of banks has grown rapidly.

In the past, some people kept all their belongings in the bank, but the bank went to invest their own money and couldn't withdraw it in a short time, which has a certain truth, or if you want to save money, you have to store it in several different banks.

Because if you deposit separately, you can increase liquidity, improve security, and increase returns, and the return on bank deposits is too low, and you don't have your own right to operate.

There is no scientific basis for this statement, we just do things according to our own habits, and don't listen to other people's opinions too much.

An increase in savings and a decrease in consumption are not absolutely good or bad, and it depends on the specific situation. Here are some possible scenarios and explanations::

1.Targeted increases in deposits and decreases in consumption are good things. For example, if someone wants to save for a large future expense and increases their savings plan while reducing unnecessary expenses, such an increase in savings and a decrease in spending are good options.

2.Excessive savings increase and consumption decreases may not be a good thing. If someone excessively pursues savings and cuts back excessively on necessary expenses in life, this approach can lead to a lack of necessary quality of life and an inability to meet basic needs.

3.The way in which savings increase and consumption decreases can be influenced by current living conditions. For example, during some periods of economic instability, many people save more and spend less in order to cope with a potential economic crisis.

To sum up, an increase in deposits and a decrease in consumer unpreparedness are definitely good or bad things, depending on the situation. Have a clear purpose and grasp of the choices and plans around you.