Several bank deposit methods that everyone should master, and use them reasonably to earn a little interest.

I have never paid attention to and studied the deposit interest rate before. When my salary arrived, I kept it intact in my card. I don't know how to use the deposit method reasonably, and I'm too lazy to study the interest rate. I know almost nothing except a treasure.

Recently, because the annualized rate of a certain sum of money has been very low, I also began to study bank deposits, and specially learned the basic deposit methods of several banks to share with you.

About five deposit methods

The first type: demand deposit.

This is the most basic and common deposit method, which can be taken at will and has high flexibility, but it is also the one with the lowest interest rate and can be ignored. Take China Industrial and Commercial Bank as an example. If the deposit interest rate is 0.3%, 200,000 yuan will be deposited in the bank for three years, and the interest after three years will be 200,000 * 0.3% * 3 = 1.800 yuan.

The second type: time deposit.

Time deposit, as its name implies, is to deposit money into a bank's time savings account, agree on a fixed term in advance, get a return at a rate higher than the current deposit, and receive principal and interest after maturity.

Time deposits have three months, six months, 1 year, two years, three years and five years. The longer the deposit, the higher the interest rate, and of course the less flexible the deposit.

Take ICBC as an example. The interest rate is 3. 15%. If 200,000 yuan is saved for 3 years, the interest is 200,000 * 3. 15% * 3 = 18900 yuan.

The third type: certificate of deposit.

Certificate of deposit is a kind of deposit method that requires a higher initial deposit amount. The deposit threshold is high, but the interest rate is also high. Most of them rise by 40% on the basis of the benchmark interest rate, a few banks rise by 45%, and time deposits generally rise by about 30% at the highest.

The initial deposit amount of the certificate of deposit is 200,000,300, 1 10,000 or several million.

The deposit term is 3 months, 6 months, 1 year, 2 years and 3 years.

Take China Industrial and Commercial Bank as an example. Large certificate of deposit, 200,000 yuan for 3 years, interest rate 3.25%, interest 200,000 * 3.25% * 3 = 1.95 million yuan.

The fourth type: structured deposits.

Structured deposit refers to a financial product with certain risks, in which investors deposit funds in banks, and banks embed financial derivatives on the basis of ordinary deposits, linking investors' income with interest rates, exchange rates and other subject matters.

Structured deposits are not ordinary deposits, and they are also different from bank financing. It is a product between deposit and financial management. It can also be understood as a capital preservation product, but the interest income is floating and the term is flexible.

When it was first introduced, structured deposits can not only achieve deposit security, but also achieve high returns in financial management. But now the investment market is relatively depressed, and the income of structured deposits is not as good as before.

Structured deposits are not available in every bank, so you need to go to the bank for consultation or inquire on mobile banking.

Take a commercial bank as an example. Structured deposits with a maturity of 364 days and an expected interest rate of 0.55-5.3 1% belong to floating income type. Only the principal is guaranteed, and the final interest rate depends on the performance of the linked target due on the agreed date.

Fifth: savings bonds.

National debt, also known as national debt, is a creditor-debtor relationship formed by the state on the basis of its credit and in accordance with the general principles of debt. It is a debt certificate issued by the central government to investors, promising to pay interest and repay the principal within a certain period of time.

Because the issuer of national debt is the country, it has the highest credit and is recognized as the safest investment tool.

Not every bank has savings bonds, which are issued at a fixed time every month and need to be bought and snapped up in time.

Take ICBC as an example. savings bonds will issue it every month from April 10 to April 19.

The purchase term of savings bonds is 36 months (3 years), and the interest rate is 3.35%, and the subscription amount is 200,000 yuan. After three years, the interest will be 200,000 * 3.35% * 3 = 20100 yuan.

About the big four banks and other banks

One, four lines.

China's four major banks refer to the four major state-owned banks directly controlled by the state, including: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank (industry, agriculture and construction).

Compared with other local banks and commercial banks, many people may think that the biggest advantage of saving money in the four major banks is peace of mind and practicality. But the disadvantage is that the interest rate is too low.

Second, other banks.

For example, local banks, provincial banks or municipal banks. Although the scale of local banks is less than that of the four major banks, their outlets are relatively localized.

Many people will think that local banks are unreliable and it is not safe to save money. But if, like me, your savings are less than 500,000, there is nothing to worry about.

Whether it is the four major banks or local formal banks, our deposits are protected by the national deposit insurance system.

Third, the interests of the four major banks and local banks are compared.

My own deposit is only a few hundred thousand, so I don't need it for the time being, so I have studied the deposit interest of various banks a little.

(1) 200,000 yuan, deposited in the current account for three years. The interest of ICBC is 1800 yuan, and the interest of a local bank in our city is 2 100 yuan.

(2) 200,000 yuan, one-time deposit for three years, interest of ICBC 18900 yuan, and interest of a local bank in our city of 20,700 yuan.

(3) 200,000, three-year certificates of deposit, ICBC is 19500 yuan, and a local bank in our city is 2 1300 yuan.

I put my money in a local bank in this city. Besides higher interest, I can also get some extra benefits from the bank, such as gas card and gift package.

So the four major banks and other bank deposits have their own advantages, depending on how they choose.

Who keeps money in the bank now?

Some people will definitely say, who will put money in the bank if they are smarter now? The income is low, the money is slow, and the currency depreciates so fast. Isn't financial management fragrant? Is the fund stock yield not high? Isn't it better to invest?

Yes, I'm really not that smart. [Laughing and crying]

I don't know funds, I don't know stocks and I'm poor. [Tears] So I finally saved a little money, and I really didn't dare to risk buying funds and stocks. The point is, I really can't learn to cover my face. Losing a little money is not worth other investments.

So at present, for a small financial banker like me, the bank deposit method with guaranteed capital, low risk and stable income is more suitable for me.

If you have millions, are well-off, have the ability to take risks, and can play with funds and stocks with ease, then take my words as a joke, haha [covering your face]

If, like me, you don't even know several deposit methods in banks, you can start today and learn slowly.

Summarize my little experience.

1. Deposit banks and deposit methods, according to their own conditions.

(1) If you don't need money for a long time, you can deposit a time deposit. If the minimum deposit amount of time deposit is not high, you can deposit it in 50 yuan.

(2) If the amount is higher than 200,000-300,000, you can consider depositing a large deposit certificate with a higher interest rate than a time deposit.

(2) If you prefer a safe and reliable way with high interest rate, you can buy savings bonds, but you need to pay attention to the issuing time of the bank and apply on time.

(3) If the deposit is more than 500,000 yuan, you can deposit in a number of banks to enjoy the guarantee of "maximum payment of 500,000 yuan" stipulated in the deposit insurance system.

(4) If you save it regularly, but you are afraid that you need to use it later, you can save it in proportion, such as 6,543,800 yuan, 20,000 yuan for one year, 30,000 yuan for two years and 50,000 yuan for three years. In this way, a deposit can expire every year and enjoy regular interest continuously.

Second, about the mobile banking APP

If you feel that it is troublesome to handle deposits at the counter of outlets, you can download the mobile banking APP directly.

Now every bank's mobile APP can basically handle deposits flexibly without going to the outlet counter.

Current time deposits, certificates of deposit, structured deposits and savings bonds can all be operated directly in mobile banking, which is convenient and fast.

The difference is that some banks may go directly to the counter to get relevant benefits and gift packages. You can't get it by operating it on your mobile phone.

It is also said that in some banks, the interest rate at the counter may be higher than that on the mobile banking APP. I don't know if it's true or not. Anyway, the online and offline interest rates of several banks I use are the same.

End of sharing

Thanks for reading!