Saving tips

1. Savings common sense

Introduction to RMB savings types are usually divided into two categories: current savings and regular savings according to different deposit periods: Current savings refer to uncertain deposit periods, and savers can deposit them at any time. A savings method with no limit on deposits and withdrawals.

The account opening and deposit and withdrawal procedures are: When opening an account, the depositor fills in a current savings deposit receipt containing the deposit date, account name, and deposit amount, and submits the receipt and cash to the bank's handling personnel. After review by bank handling personnel, a passbook will be issued to the depositor; if the depositor requires a password or seal to withdraw money, he or she must enter the password in the prescribed format on the cipher device at the bank outlet, or provide two seal cards to the handling personnel.

When making deposits and withdrawals, still follow the above steps. Only the receipt filled in when withdrawing money is the withdrawal receipt.

In addition, if you withdraw a deposit based on a password or seal, you must enter the password on the cipher device at the bank branch or stamp the deposit receipt according to the prescribed format every time. The minimum deposit amount for current deposits is one yuan, and the deposit interest rate is calculated according to the listed interest rate stipulated by the People's Bank of China. Please see the interest rate table.

Regular savings is a savings method in which depositors agree on a deposit period when depositing, deposit the principal at once or in installments, and withdraw the principal or interest in one lump sum or in installments. Regular savings can be divided into the following types: lump sum deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, principal deposits and interest withdrawals, fixed-living and lump-sum withdrawals, and notice deposits.

The access methods vary depending on the type. Lump sum deposits and withdrawals: refers to a kind of savings in which the deposit period is agreed upon, the lump sum is deposited, and the principal and interest are withdrawn in one lump sum upon maturity.

The minimum deposit is fifty yuan, and there is no limit to more deposits. Deposit periods are divided into three months, six months, one year, two years, three years and five years.

The procedures for opening a deposit account are the same as those for current accounts, except that the withdrawal certificate given by the bank to the depositor is a deposit receipt. In addition, depositors must provide their identity documents when withdrawing funds in advance. Those who withdraw on behalf of others must provide not only the identity documents of the depositor but also the identity documents of the person who withdraws money.

This reserve can only be partially withdrawn in advance once. Interest is calculated based on the agreed interest rate at the time of deposit, and the interest is paid off with the principal.

Please see the interest rate table for specific interest rate standards. Small deposits and lump sums: refers to a kind of savings with an agreed deposit period, fixed monthly deposits, and a one-time withdrawal of principal and interest upon maturity.

Generally, the starting deposit is five yuan per month. Deposit periods are divided into one, three and five years.

The procedures for opening an account are the same as for current savings, except that the amount at the time of account opening must be renewed every month. The procedures for early withdrawal by depositors are similar to the procedures for lump-sum withdrawal of time savings deposits.

Generally, the minimum deposit is five yuan, and the deposit is made once a month. If there is any omission during the process, it should be made up in the next month. Interest is calculated based on the actual deposit amount and actual deposit period. Please see the interest rate table for specific interest rate standards.

Whole deposit and partial withdrawal: refers to a kind of savings in which the principal is deposited once and the principal is withdrawn in installments. The procedures for opening a deposit account are the same as those for current accounts. The minimum deposit is one thousand yuan, and the withdrawal period is one month, three months and half a year.

It is agreed between the depositor and the bank savings institution when opening an account. Interest will be paid when the term is settled. Please see the interest rate table for specific interest rate standards.

Principal deposit and interest collection: refers to a kind of savings that has an agreed deposit period, a lump sum deposit, interest collection in installments, and a one-time withdrawal of principal upon maturity. Generally, the minimum deposit is five thousand yuan.

The deposit period is divided into three years and five years. The interest is withdrawn from the passbook every month, and the principal is withdrawn at maturity.

The account opening and withdrawal procedures are the same as current savings. The procedures for early withdrawal are the same as those for regular deposits and withdrawals. Please see the interest rate table for specific interest rate standards. Fixed deposit and fixed deposit: refers to a kind of savings that savers do not have to agree on the deposit period when depositing, and can withdraw at any time.

Generally, the minimum deposit is fifty yuan. Its account opening and withdrawal are similar to current savings deposits.

Notice deposit: It refers to a savings method in which the depositor does not agree on the deposit period and notifies the bank in advance when withdrawing the money. The minimum deposit amount is one thousand yuan, and depositors can withdraw it in one go or in installments.

The bank calculates interest at a 40% discount based on the withdrawal amount, actual deposit period and the interest rate grade listed for the same period on the withdrawal date. Personal Check Deposit: When applicants open a personal check deposit account with approval from the bank, they should deposit no less than RMB 5,000.

Depositors issue checks when they need to make payments, whether withdrawing cash or making transfers. 1. Characteristics and types of savings 1. Characteristics of savings: low risk, flexible and diverse methods and periods, simplicity and convenience, and relatively low returns.

It is these characteristics of savings that determine that savings are the most common and commonly used means of financial management. 2. Types of savings: RMB savings are usually divided into two categories: current savings and regular savings according to different deposit periods. Regular savings can be divided into the following types: lump sum deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, deposits Principal interest, fixed deposit and call deposit.

3. Characteristics of some savings varieties that are less familiar to everyone: Small deposits and lump sum withdrawals: Agree on the deposit period and deposit a fixed amount once a month. If there is any omission in the middle, it can be made up in the next month; Principal and interest collection: Agree on the deposit period, deposit in one lump sum, collect interest in installments, and withdraw the principal once upon maturity; both fixed and fixed deposits: the deposit period is indefinite and can be withdrawn at any time, and the interest rate changes with the length of the deposit period, between current and Between fixed periods; notice deposit: The deposit period is indefinite, and the bank must be notified in advance when withdrawing. The minimum deposit amount is one thousand yuan, which can be withdrawn in one or multiple installments. The interest rate is calculated at a 40% discount on the interest rate for the same period listed on the date of withdrawal; 2. . Calculation of savings period: 1. Interest is not included on the day of withdrawal, that is, "the beginning is not counted". For example: deposit on April 2nd and withdraw on May 5th, the deposit period is calculated from April 2, the withdrawal date in May is not counted, and the deposit period is 34 days.

2. If the deposit period is a whole year or a whole month, for example: deposit on July 31st, the deposit period is 4 months, it should expire on November 31st, because there is no 31st in November , so the expiration date is November 30th. 3. Calculation of days: All cases are calculated based on 30 days per month and 360 days per year.

4. If the maturity date falls on a bank holiday, you can withdraw the money one day before the holiday, and interest will still be calculated on the maturity date. 3. Calculation of savings interest: 1. Calculation of interest when the interest rate is adjusted: Current savings: interest is calculated based on the withdrawal day interest rate, which has nothing to do with the deposit day interest rate. Interest = number of days in the deposit period * withdrawal day interest rate; regular savings: based on the account opening date The interest rate is calculated and the interest is not calculated in installments.

2. Calculation of interest on early withdrawal and overdue interest: The part of regular savings that is withdrawn in advance is calculated as current savings, and the part that is not withdrawn in advance is still calculated according to the original interest rate. If the regular savings are not withdrawn after the due date, the current savings interest rate and the corresponding number of days will be calculated based on the withdrawal date.

If the fixed deposit has been stipulated to be automatically transferred upon maturity, in principle, it will be transferred once during the original deposit period, and the interest of the first installment will be added to the principal, and the interest on the transfer will be calculated based on the bank interest rate on the date of transfer. 3. Interest will be calculated for both fixed and live payments: if it is less than 3 months, it will be calculated based on current interest; if it is more than 3 months but less than half a year, it will be calculated based on 40% off the 3-month regular interest rate on the withdrawal date.

2. Knowledge about saving

English: saving

[Correct pronunciation]: chǔ xù

Urban and rural residents will temporarily not use or A deposit-taking activity in which the balance of monetary income is deposited in a bank or other financial institution. Also called savings deposit. Savings deposits are an important source of funding for credit institutions. The development of savings business can, to a certain extent, promote the adjustment of the proportion and structure of the national economy, gather funds for economic construction, stabilize market prices, regulate currency circulation, guide consumption, and help the people arrange their lives.

Different from China, the common concept of savings in Western economics is that savings is the part of monetary income that is not used for consumption. Taking an individual as the unit of investigation, the individual’s actual savings (actually refers to the nominal amount divided by the price level, the same below) ) is represented by the increase in the individual’s actual financial assets and the increase in physical assets (actual savings = M1/P1-M0/P0 B1/P1-B0/P0 K1-K0), where the individual’s actual financial assets refer to the individual’s actual Cash holdings and actual bond holdings, and the increase in real assets refer to the part of personal expenditures used for net investment. Since the overall economic data is the sum of several individual data, the actual savings of individuals are added up. The following situation occurs: Without considering the economic connection with foreign countries, the actual bond holdings of individual A are the actual assets lent by A. Those who lend are those who lend, let it be individual B, so the individual B's actual bond holdings are the negative number of A's holdings. By extension, the actual bond holdings in the entire society are always zero at any point in time without considering external connections; in addition, in the economy The real holdings of money are determined simultaneously by the output of the economy it supports (Y) and the cost of holding it - the current nominal interest rate (i). Given that we are only considering real savings and investment in the economy relationship, so it can be assumed that these two variables (Y, i) are constant, so the actual currency holdings are also constant, so after adding up, we can get that all total social savings are reflected in physical capital The increase in stock means that actual savings equal net investment (

Actual total savings = M1/P1-M0/P0 K1-K0, M1/P1=M0/P0, so there are actual total savings = K1 -K0,), the reason why actual savings is not equal to investment here is because actual savings are output that has not been consumed - the output here must be net output, that is, the output after excluding depreciation, so actual savings is equal to net investment. This kind of real savings includes not only personal real savings, but also company real savings and *** real savings. Savings include deposits in banks, purchased securities, and cash on hand.

In China, the basic forms of savings deposits are as follows:

Current savings

Current savings refer to deposits with no agreed deposit period and which customers can deposit and withdraw at any time. A savings method with no limit on the amount you can deposit or withdraw. Current savings are the most basic and commonly used deposit method in banks. Customers can deposit and withdraw money at any time and mobilize funds freely and flexibly. It is the basis for customers to carry out various financial activities.

The minimum deposit point for current savings is 1 yuan, and the minimum deposit amount for foreign currency current savings is no less than 20 yuan or the equivalent of 100 yuan in foreign currency (different banks vary). There is no limit to more deposits. When opening an account, the bank will issue you a passbook, which you can use to deposit and withdraw money, and the interest will be settled once a year.

Current savings are suitable for the storage of personal life funds and idle cash, as well as the storage of working capital for business operations.

Regular savings

A regular savings deposit is a savings deposit that has an agreed deposit period, is deposited once or in installments, and the principal or interest is withdrawn once or multiple times. The longer the term of a time savings deposit, the higher the interest rate.

, education savings deposits, communication deposits.

Overseas Chinese RMB Savings is a kind of savings specially organized for overseas Chinese and compatriots from Hong Kong and Macao. Overseas Chinese and compatriots from Hong Kong and Macao sell the foreign currency, gold, and silver remitted or brought in from abroad and Hong Kong and Macao to the Bank of China, and use the earned RMB to participate in this kind of savings with preferential interest rates. When depositing, go through the account opening procedures with the foreign exchange exchange certificate (or overseas remittance certificate). Only RMB can be withdrawn when the deposit matures.

Other savings include prize savings, value-preserved savings, postal savings, salary savings, housing savings, etc.

Tips on saving:

First, save less for the survival period and save more for the regular term; save less for the short term and save more for the long term.

Second, the deposit must be withdrawn within the specified time.

(Otherwise there will be a certain loss in interest)

Third, rolling storage is both convenient and can increase interest. For example, divide your savings into 12 equal parts (or several equal parts), and then save for a one-year period every month, or save the remaining money every month for a year, no matter how much, so that for a period of time Over time, we will have a fixed deposit that matures every month and can be withdrawn, which will not reduce our interest income.

Fourth, the method of "depositing principal and depositing interest" can increase the amount of interest, that is, combining principal deposit and interest withdrawal with lump sum withdrawal of zero deposits, and maximizing income through interest compounding.

Fifth, by purchasing foreign currencies appropriately, you can get relatively generous returns.

Sixth, before and after making a deposit, you should pay more attention to various issues, such as: inspection after completing the procedures, clearly seeing the changes in interest rates, and if you have not handled the automatic transfer business, then you will be charged 10 million Remember to transfer it in time.

3. A 600-word essay on saving knowledge

Knowledge is like a vast and boundless ocean, whose depth cannot be explored; people are like that small boat, constantly pursuing on this ocean , it can be said that "the sea of ??learning is boundless, and the boat is hard work"

--Inscription

Since the sea of ??learning is so boundless, how should we "work the boat hard"? The sage has a saying: "A thick accumulation leads to a thin hair." Didn't you already think that we have pointed out a bright road? That is "savings". The so-called "savings" refers to the accumulation of bits and pieces, which refers to the persistence of "Mountain Tai will not let the soil, so it can become big, and the rivers and seas will not let small streams, so it can be deep." The perseverance of "water drops wear away stones". In fact, "saving" is a kind of "suffering". Only when you continue to save, can your "saving boat" travel in the ocean of knowledge full of "waves and sand", and finally reach the goal of success. The other shore.

In front of the boundless ocean, you must be clear about your purpose. You must always remind yourself: "What am I saving for?" and then give yourself a clear answer, "It is for Going to college is to gain more knowledge and to improve one's moral character..." There is an old saying: "If you have enough food and clothing, you will know the etiquette." This tells the world that you can only wait until the food storage in the warehouse is sufficient. Only then do people know etiquette, what is honor and what is shame. When "saving", you must remember to give yourself a "lamp" that can illuminate in the dark night, a pair of warm "hands" when you are disappointed, and a "pointing" mark in the vast sea. With Wood Seconds, your "savings" will be more powerful.

"Saving" does require "hardship". If there is no "bitterness", where will the "sweetness" come from? But is “saving” really hard? In fact, it is not. It depends on your attitude. As the saying goes: Attitude determines everything. A positive attitude can always take pleasure in suffering and take suffering as pleasure. This has been put in front of the world in ancient times. Poets always feel that autumn is decadent, sad, and lifeless. Therefore, the word "sad for spring and sad for autumn" appeared, but another poet used a word Treating autumn with a positive attitude, he wrote: "Since ancient times, autumn has been sad and lonely. I say that autumn is better than spring. A crane lining the clouds in the clear sky brings poetry to the blue sky." Therefore, we must treat "savings" with a positive attitude.

Since "there is no limit to learning and hard work to build a boat", then we must find ways and methods to make our "savings boat" "lead the world" in the ocean. First of all, "saving" requires ample time. During this time, we should look for shortcuts that can effectively "save"; secondly, "saving" must pay attention to methods. For example, we can summarize the key points of these "savings" knowledge, or find some vivid things to remember them. Just like the ancients, when they see running water, they think of "the deceased is like a man, not giving up day and night"; when he sees the phoenix tree, he thinks of "the phoenix tree also drizzles, bit by bit at dusk"... Again, when "saving" You can also rely on external forces. The sage said: "Studying alone without friends will lead to loneliness and ignorance.

"Wouldn't it be easier for three or four people to get together and ask each other questions, or use rush-to-answer methods?

This is the saving of knowledge. Because of it, our emotions It will become richer, and we will have an extra layer of rational thinking when dealing with things. Let us hold on to the rudder of "savings" and drive the "boat of savings" to "stir up thousands of piles of snow" in the boundless sea of ??learning

4. What are some little knowledge about financial management?

There is actually a lot of knowledge about financial management. Not long ago, I also learned some little knowledge about financial management from a financial master. After integrating it, it is roughly as follows: Points:

1. Reasonable allocation ratio

The reasonable allocation of investment and financial management is: two-fifths of the total household income should be used for investment in long-term fixed assets such as housing loans; 30 It is used for family daily expenses; one-fifth is used for flexible bank deposits to prepare for emergencies; the remaining small part is used for insurance protection or investment in something like Fangyidai, where every debt is collateralized by physical objects, and A stable financial product that can be withdrawn at any time through debt transfer.

2. The income obtained from investment and financial management is generally not withdrawn and used, but continued to be invested. Financial management principal, high-yield wealth with compound interest, the time required for the principal to double is equal to 72 divided by the annual rate of return. If you deposit 10,000 yuan in a bank and the annual interest rate is 2, it will take 36 years to double.

3. Investment in the health of individuals and family members

The project you invest in will have an annual income of 100, but it must only be done when your personal health is good. You can enjoy this income, so physical health is very important. Maintaining a healthy body is the foundation of life, and health is the basic guarantee of life and the prerequisite for pursuing life ideals. It is the greatest wealth.

4. Investment needs to be considered comprehensively.

When considering the investment portfolio, the situation of family assets, risk level, time investment period, liquidity, and investment flexibility should all be taken into consideration. Consider ensuring that the funds needed can be immediately transferred when the family has urgent needs. The principle of risk tolerance is "life risk tolerance". Protecting the principal is the top priority in investment and financial management, and all investments need to abide by this rule. /p>

5. Learn to protect principal

Protecting principal is the first factor when investing. For example, if you configure some fixed-income products like Fangyidai, the income is between 10-14. . In addition, you can also configure monetary funds, which are also products with lower risks.

5. Basic knowledge of bank cards

1. Basic knowledge of bank cards (1) What is a bank? Card? What are the functions of bank cards? Bank cards refer to credit payment instruments issued by commercial banks to the society with all or part of the functions of consumer credit, transfer settlement, and cash deposits and withdrawals.

Bank cards are based on accounts. The nature can be divided into credit card and debit card. Among them, credit cards are divided into two categories: credit cards and quasi-credit cards according to whether a reserve fund is deposited with the card-issuing bank.

A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

The functions of bank cards mainly include: First, the payment function. Bank cards can replace the payment function of cash and intervene in the circulation of goods, reducing cash flow and saving transaction costs.

Cardholders can shop at designated merchants and use their bank cards to settle purchases and other types of service expenditures. The second is the savings function.

With their bank cards, cardholders can deposit and withdraw cash at the local branches of the card issuer. For debit cards and quasi-credit cards, the card issuer calculates interest based on the current savings deposit interest. The third is the transfer settlement function.

With the card, cardholders can handle personal fund transfers at bank counters, self-service terminals or online banking. The fourth is the consumer credit function.

When cardholders use credit cards for consumption, the card issuer allows the cardholder to make short-term overdrafts within the specified limit. This is the consumer credit provided by the card issuer to the cardholder. Bank cards are a product of the combination of banking business and modern technology, and their rapid development has huge social benefits.

First, it is conducive to reducing the use of cash, reducing the carrying of germs and other unhygienic behaviors, and promoting the formation of public health payment habits. The second is to cultivate the public's good financial management habits and improve social civilization.

The third is to simplify the collection procedures, prevent the risk of counterfeit banknotes, and provide fast, convenient and safe payment and settlement services for transactions. The fourth is to optimize the financial service structure and promote innovation in financial services and payment tools.

Fifth, it is conducive to public consumption, promotes product sales, and prospers the economy. (2) How to apply for, use and keep a bank card? To apply for a bank card, an individual must provide his or her valid identity document to the card issuer. After the card issuer passes the examination, a bank card will be issued to the individual.

To apply for a bank card, an organization should apply for an organization card with a basic deposit account opening license. Bank cards can only be used by cardholders approved by the card issuer, and cannot be rented or lent.

Funds in the unit's RMB card account must be transferred and deposited from its basic deposit account. Cash is not allowed to be deposited or withdrawn, and sales revenue is not allowed to be deposited into the unit's card account. Bank cards are easily damaged by external forces and environmental influences. Improper storage may cause deformation, breakage, weakening of magnetism, damage to the magnetic strip, degaussing, etc., making it impossible to recognize or read information normally, causing the bank card to become invalid.

Therefore, it is recommended to keep bank cards in a hard-covered wallet to prevent sharp objects from abrading, scratching, or twisting the magnetic strip. Do not store multiple bank cards close together, and do not stack two bank cards back to back.

Keep bank cards as far away as possible from induction cookers, microwave ovens, TVs, refrigerators and other electrical appliances, and do not put them together with mobile phones, computers, magnets and other magnetic items. 2. Bank card risk prevention knowledge (1) What are the precautions for using bank cards for swiping purchases and ATM withdrawals? Cardholders should pay attention to the following when using bank cards to make purchases: First, do not keep the card away from your sight when swiping the card, and pay attention to the number of times the cashier swipes the card.

Second, do not sign at will on blank bills or signature slips with incomplete amounts. Pay attention to whether there are two overlapping signature slips, and carefully check whether the amount and currency on the signature slip are correct. Third, the signature style when signing the bill should be consistent with the signature on the back of the bank card.

Fourth, after completing the transaction, try to keep the stub copy of the signed bill for verification with the statement. Fifth, when swiping a card for consumption, as long as the POS receipt is not printed successfully, it will be regarded as an unsuccessful transaction.

When an unsuccessful transaction occurs, the card status and account balance can be queried to confirm whether the card status is normal and whether the unsuccessful consumption amount has been recorded. Cardholders should pay attention to the following matters when withdrawing money from an ATM: First, pay attention to the surrounding environment, and appropriately cover the area when entering passwords and other important data to prevent others from prying.

Second, try to avoid entering the wrong password when withdrawing money to prevent card swallowing. Third, when the screen prompts you to take out cards and cash, you should take them out in time.

Fourth, carefully count the cash and check it with the printed customer notice. Fifth, if there is a discrepancy in the amount or swallowing of cards or cash, please contact the bank in a timely manner according to the phone number prompted on the machine.

(2) How do cardholders prevent bank card risks? In order to prevent bank card risks, cardholders are advised to take the following preventive measures: First, keep bank cards safely. Wallets containing bank cards should be kept with you and never lost.

Keep bank cards that are not in use temporarily and do not leave them randomly to avoid being stolen and used by others. Bank cards should be kept in public places to prevent them from being stolen; bank cards, passwords and ID cards should not be stored together to prevent them from being stolen or lost at the same time.

Do not disclose your bank card number and password at will, and do not lend your bank card to others. After your bank card is lost or stolen, you must promptly report the loss.

The second is to ensure the security of bank card passwords.

When applying for a new card, you should change the original password immediately; do not use birthday, phone number or simple numbers (such as 123456) as the card password; cardholders should change the password frequently; do not tell others the card password easily; be careful of others when entering the password peep.

The third is to ensure the security of bank card information. After using the card, take away or tear up the receipt; properly keep the bank card purchase form, statement and other vouchers; do not reply to suspicious emails or text messages requesting the card number; do not leave any information on computers used in public places. Download the card number; carefully check the bank card statement and contact the card-issuing bank immediately if any unknown transactions are found.

Fourth, use online banking safely. Cardholders should pay attention to protecting identity authentication information such as online banking login passwords and transaction passwords; do not log in to websites or webpages with security risks at will, do not download unknown software programs; do not open emails from unknown sources at will; Use online banking on your computer.

3. Bank cards support agricultural products (1) What are the special services of bank cards for migrant workers? The special service of migrant workers' bank card is that migrant workers deposit their salary income while working.

6. What are the common sense about using bank cards

If it is a China Merchants Bank all-in-one card, please note the safety precautions when using the card: 1. Please keep your personal information properly and do not tell others the card number, expiration date and other information. .

2. Don’t leave your sight when swiping your card for consumption. Please be careful when entering your password.

Don’t set your password too simply, and don’t use your birthday, phone number, or ID number as your password. Never write your PIN on or with the card.

There is part of the card information on the purchase form, so do not throw it away at will. 3. Please identify the URL carefully to prevent visiting fake shopping websites and fake online payment pages.

If you find a suspicious URL, please call the customer service hotline for verification in time. Do not enter bank account number, password and other information on unknown websites to avoid personal information being stolen by phishing websites or network Trojans.

4. If there are any changes to your personal information (for example, changes in contact information, address, etc.), please modify the relevant information through the banking system in a timely manner. 5. Check your transactions regularly and reconcile your statements.

6. Please read the consumption notification text message sent by our bank carefully. If the amount in the text message does not match the actual amount, please call the customer service hotline for further enquiry.