Does the Postal Savings Bank have a deposit insurance sign?

Yes, all banks have the sign of deposit insurance. The functions of deposit insurance include insurance guarantee, financial intermediary and social management, among which insurance guarantee is the most basic function.

The function of deposit insurance: 1, which is a way to ensure the healthy development of banks; 2. Relieved the supervision pressure of the Central People's Bank; 3. Strengthen the binding force of the market and maintain the stability of the financial system; 4. Under special circumstances, reduce the impact on the entire financial system; 5. Protect the interests of depositors and indirectly improve the credit of banks; 6. It improves the stability of the financial system and the deposit protection for depositors.

Interest rates for time deposits of six major state-owned banks:

Postal savings bank: 1 annual interest rate 2.15,2 annual interest rate 2.95,3.84,5 annual interest rate 3.44.

China Construction Bank: 1 annual interest rate is 2.07, 2.90, 3.8 1, 5.75.

Agricultural Bank: 1 annual interest rate 2.02, 2 annual interest rate 2.8 1, 3 annual interest rate 3.65, 5 annual interest rate 3.5.

Bank of China: 1 The annual interest rate is 2.03, 2.82, 3.67, and 5 is 3.55.

ICBC: 1 annual interest rate 1.98, 2 annual interest rate 2.74, 3 annual interest rate 3.57 and 5 annual interest rate 3.53.

Bank of Communications: 1 annual interest rate 1.98, 2 annual interest rate 2.69, 3 annual interest rate 3.5 1, 5 annual interest rate 3.50.

1. Deposit interest rate is the standard for calculating deposit interest. Refers to the ratio of interest amount to deposit amount in a certain period, also known as deposit interest rate. The deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting the cost of banks. China's deposit interest rate is determined by the state according to objective economic conditions, currency circulation, supply and demand of market materials, and taking into account the interests of all parties. 2065438+2005,65438+2005123 October, the People's Bank of China announced interest rate cuts and RRR cuts, and at the same time, it was clear that the deposit interest rate ceiling would no longer be set for commercial banks and rural cooperative financial institutions. At this point, the interest rate control has been basically abolished, and the interest rate marketization reform has entered a new stage.

2. The deposit interest rate unit is annual interest rate, monthly interest rate and daily interest rate (also called annual interest rate, monthly interest rate and daily interest rate). The annual interest rate is expressed as a percentage of the principal, and the monthly interest rate is expressed as a percentage of the principal; The daily interest rate is expressed as a few ten thousandths of the principal. China used to call the interest rate a few cents. On June 2, 2002 1 June 21day, some banks will lower the interest rates of two-year and three-year certificates of deposit products according to the requirements of interest rate management.