In which month is the highest interest rate for bank deposits? Do you know this common sense?

The time to answer this question is just right, and you can get started right away. Closer to home, bank interest rates are generally stable, and there are certain points throughout the year where interest rate discounts are particularly pronounced. After research, they are January in the first quarter (which will last until the Spring Festival), June in the second quarter, and November and December in the fourth quarter.

Why are these the above time points? This is closely related to the bank's operations, the most important of which is KPI assessment, among which deposit absorption is one of the key performance assessment indicators for each bank outlet.

1. The period from January to the New Year is called a good start. Usually all banks will have various activities. This is because at the beginning of the new year, it is necessary to make a good start. If you do a good job of attracting deposits at the beginning of the year, it is possible to complete half of the tasks for the whole year. So the discounts are usually the biggest at this time, especially around the Chinese New Year.

2. In the middle of the year, this is the half-year performance appraisal point for banks. Banks usually pay great attention to whether the deposit tasks at this point have been completed. In my previous company, I was asked by the account manager to deposit large-denomination certificates of deposit in the last week of June, and then withdraw them in the second week of early July. They were given very preferential conditions, just to help boost performance. The discounts in the middle of the year depend on luck, that is, whether the bank is short of money, and whether it can reach the standard with just a little effort. If it is far behind, it will usually be given up. If it is just a little bit short, it will be given. Big discount. It can be said that there are opportunities in the middle of the year, but they may not necessarily fall to ordinary people. In many cases, it is left to the relevant units to collect the wool.

3. Promotional activities before the end of the year. The end of the year is also a very good time. Since the November meeting, banks have successively launched relevant savings promotions, and the intensity will not be less than that at the beginning of the year. Especially for some small and medium-sized banks, if you find the branch manager, you can usually get some additional discounts. Of course, if your deposit limit is large enough, don't negotiate with others for 10,000 or 20,000.

Which banks offer the most discounts?

1. Six major state-owned commercial banks, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China. Among them, the postal service offers relatively strong discounts, which is related to its development. The Postal Savings Bank of China is currently developing relatively slowly among state-owned banks, so its source of profit is still relatively traditional and single. This makes deposit absorption a very important performance indicator among its assessment indicators, so we can see that throughout the year , in fact, the Postal Savings Bank is doing preferential activities to attract savings. Especially at the above-mentioned points, the discounts are quite large. At that time, under normal circumstances, the range of interest rate increases was limited, and more rewards were given in kind, such as rice, oil, communication recharge cards, or other physical items. At this time, if your deposit amount is relatively large, such as 200,000 or 500,000, you can go to the branch to find the manager to negotiate terms. Sometimes you can apply for preferential fee subsidies.

2. Local commercial banks and private banks. Because these banks are small and have relatively few branches, their ability to attract deposits is relatively weak. Because of this, their interest rates are more preferential, and they generally have higher interest rates than state-owned banks. Now the smart deposit interest rates of some private banks are even close to the annual interest rate of 6%, so we can see the urgency of attracting deposits from them. So if there is such a bank in your area, you can go to the branch and talk about it. The interest rate will definitely be higher than that of the big banks. One thing to note about risk control is that a single bank should not exceed 500,000 yuan. According to the regulations of the China Banking and Insurance Regulatory Commission, deposits within 500,000 yuan are guaranteed. Even if an accident occurs in the bank, the insurance company can still settle the claim. Therefore, for such small banks, the total amount must be controlled, and the maximum amount should not exceed 500,000.