Zhangjiakou bank deposits have been handed over for liquidation. Do depositors need to withdraw their time deposits now?

You can take it out and save it! Now, the smart deposit of Zhangjiakou Bank will be liquidated. In this case, the customer will not be greatly affected, and it can be saved after liquidation on May 15.

According to online news, Zhangjiakou Bank will start clearing smart deposits on May 15. Zhangjiakou Bank has not issued an announcement, which may be an investor reminded by SMS.

According to the information that Zhangjiakou Bank reminds customers, this is done according to the requirements of the People's Bank of China. The sales of smart deposit products stopped, and only the deposits originally contracted for sale were cleared on May 15. After the liquidation, the deposit in the original contracted account shall be executed at the current interest rate of 0.42%.

Smart deposits are welcomed by investors because they can earn interest through declaration. However, such a way of relying on interest rates also brings instability and great risks to the operation of banks. Therefore, the central bank may have seen the risk of this deposit product and began to stop smart deposit products.

Therefore, in general, the liquidation of smart deposits by Zhangjiakou Bank does not have much impact on customers.

If the smart deposit products originally invested by Zhangjiakou Bank customers are liquidated, they can also invest in other high-interest deposit products.

There will be no smart deposit products that can rely on interest in the future, but there are still many high-interest deposit products, and short-term deposit products can also be selected.

However, it should be noted that the high-interest deposit products launched by private banks now bear interest in the same way as the original time deposits of major banks. In other words, if a 3-year or 5-year time deposit is to be withdrawn in advance, the settlement interest will be calculated at the current interest rate.

The following is the short-term deposit interest rate table, from which we can see that the series of products of the day can be taken at any time, and the annual interest rate can reach 3.9%. There is also a one-year time deposit product with an annual interest rate of 4.8%, and a 30-month deposit product with a monthly interest rate of 4.88%. If you want to deposit short-term deposit products, these can also be considered.

The following table shows the long-term deposit interest rate table, from which it can be seen that the annual interest rate of 5-year deposit products can reach 5. 1%, while the monthly interest rate of 60-month deposit products can reach 4.96%. If you want to earn higher interest, you can also choose a 5-year long-term deposit product.

To sum up, Zhangjiakou Bank may be liquidated on May 15. After smart deposit clearing, customers will not be greatly affected. They can take it out or invest in other high-interest deposit products.

Whether the news is true or not, it is really liquidation. As long as the depositor's account balance is below 500,000 yuan, financial insurance (this insurance is bought by the state compulsory banking institutions) fully guarantees the payment. I would like to add that this policy applies to every bank. For example, a person has different deposits in four banks: Industrial Bank, Agricultural Bank, China Bank and China Construction Bank. As long as the bank balance does not exceed 500 thousand, the insurance will be paid in full, which has nothing to do with other banks. Even if all banks are facing liquidation, you have deposits in all banks, and as long as you meet the conditions, you will pay in full. As for the part of the account exceeding 500,000, it can only be handled by Anqing calculation rules after liquidation.

First: it can be taken out, and the principal will not be lost. You must rest assured of this.

Second, the questioner said that "deposit clearing in Zhangjiakou Bank" was an expression error, and the clearing was not "deposit" but "smart deposit".

Recently, Zhangjiakou Bank issued such an announcement: "According to the relevant requirements of the central bank and the self-regulatory commission, the bank will stop selling all smart deposit products, and the contracted customers will be liquidated on May 15".

Once this announcement was issued, it immediately aroused widespread public concern, especially when we saw the word "liquidation", and everyone was more concerned about whether they could get their "smart deposits" in Zhangjiakou Bank.

In fact, don't worry at all, because Zhangjiakou Bank also sent a text message to smart deposit customers after the announcement:

The meaning of the short message is clear: 1. Pay back the principal, not a penny less; 2. If the previously agreed interest cannot be realized, the interest shall be settled at 0.42%, which is 20% higher than the benchmark interest rate of demand deposits.

In fact, in March this year, the central bank issued the Notice of the People's Bank of China on Strengthening the Management of Deposit Interest Rate, which clearly stipulated that financial institutions must strictly implement the management of deposit interest rate and interest settlement, and rectify irregular "innovative" deposit forms such as "relying on interest". Of course, this provision also includes smart deposits of Zhangjiakou Bank.

Zhangjiakou bank deposits have been handed over for liquidation. Do depositors need to withdraw their time deposits now?

A few days ago, Zhangjiakou Bank announced that demand smart deposits will be cleared before May 15. After the liquidation, the deposit in the original contracted account shall be executed at the interest rate of 0.42%.

When the news came out, it caused public outcry. Many people who bought smart deposits from Zhangjiakou Bank began to worry about whether their bank deposits would be gone.

In fact, the central bank has already begun to rectify the chaos of smart deposits. Some time ago, the central bank issued a document to rectify the requirements of bank smart deposits and other related products. Especially for private banks, smart deposits are an important way to attract depositors, but due to regulatory requirements, they have long been discontinued or offline.

For commercial banks, more small banks or rural commercial banks will launch some related smart deposit products for marketing needs. In addition, there are more private banks, which mainly sell through Internet financial platforms such as JD.COM or Alipay, and rely on their traffic.

This kind of smart deposit is characterized by high interest rate, which is calculated by file. Even for current deposit and withdrawal, the interest rate can reach about 4%.

Banks call this kind of smart deposit an innovative deposit product, which is actually in a gray area. It's hard to say whether this product is a standard savings deposit. Although the product description will also say that the national deposit insurance regulations will be strictly implemented, the principal and interest of 500,000 yuan will be guaranteed to be 65,438+000%. But if something goes wrong, can you get compensation? There are still some unknowns.

The reason why the supervision should rectify this kind of smart deposits is mainly caused by the high interest rate of smart deposits. It is suspected that high interest rates will lead to unfair competition, which will lead to financial security.

As far as Zhangjiakou Bank is concerned, since the liquidation announcement has been issued, people who bought related products certainly need to take them out in advance. If you take it out in advance, you may still enjoy the interest rate agreed at that time. If you wait until the liquidation, you can only enjoy the current interest rate of 0.42%.

As for the principal, it should still be safe.

Take it out first, let it go to a big state-owned bank, and protect your property from loss first, no matter whether it is unclear. The problem money is not blown by strong winds, and local tyrants are free.

I always thought it was safer to have five big banks. Local banks, investment banks and cooperatives all end up with high interest rates, and it is the depositors who are unlucky.

If it is a rumor, the public security organs should intervene to arrest people and dispel rumors. This is a problem that is very unfavorable to stability, and the rumors immediately appeared.

As long as it is a rumor, there is no official notice from the bank, and there is no basis. They are all passed from person to person, and there is no credibility!

We don't make rumors, don't believe rumors, and don't spread things without evidence. The international situation is in chaos, and the situation of domestic epidemic prevention and control is still grim. I suggest not to spread this kind of news that is not easy to settle and has no evidence in the future!