The one-year deposit rate of Postal Savings Bank is 2. 1%. 1 10,000 yuan can I deposit it back in cash in 80 yuan?

Postal savings bank time deposit 1, annual interest rate 2. 1%. After handling the deposit, you can definitely choose to deposit every 10000 yuan when you return to 80 yuan. Although this method is somewhat illegal, the Postal Savings Bank belongs to the six largest state-owned banks with the largest number of outlets in China. No matter from the perspective of capital, strength and anti-risk ability, the risk of choosing a postal savings bank is almost zero. The annual interest rate of 1 is 2. 1%, and returning cash to 80 yuan every ten thousand yuan should be a short-term deposit increase activity launched by individual outlets at the end of the year or the end of the season. At this time, you can choose the time deposit of Postal Savings Bank 1.

Here, let's take a look at whether the time deposit interest rates of the six major state-owned banks are worth choosing the postal savings bank deposit.

After reading the above data, it can be concluded that even if the Postal Savings Bank has no cashback activities, its time deposit interest rate is the highest among the six major state-owned banks, so it is ok to choose deposits from the Postal Savings Bank regardless of activities or cashback activities.

Looking at the total number of outlets of the six major state-owned banks, the Postal Savings Bank far exceeds other state-owned banks, which proves that the scale and strength can not be underestimated.

The Postal Savings Bank can be said that almost all cities and towns in China have postal savings banks, and the interest rate is higher than other state-owned banks and commercial banks. No matter from the point of view of outlets, high anti-risk ability or interest rate, it is entirely possible to choose postal savings bank deposits.

The one-year time deposit of the Postal Savings Bank can indeed reach 2. 1%, but if the problem arises, after handling the 1 year time deposit, every ten thousand yuan will be cashed back from 80 yuan. Doesn't the Postal Savings Bank know that this is illegal? 2065438+June 2008, the China Banking Regulatory Commission and the Central Bank issued the Notice on Improving the Management of the Deviation of Deposits in Commercial Banks, which clearly pointed out that no matter state-owned banks, commercial banks or private local banks, they should not take improper means to absorb deposits, such as returning cash or securities, giving gifts in kind. Therefore, the Postal Savings Bank will not increase deposit blocking in this way. If deposits are really frozen in this way, depositors don't know much about it and will not report it, but other banks will report it to the CBRC as soon as they know that the Postal Savings Bank has frozen deposits in this way. Therefore, your question is not valid and the water content is very high, and there are also reasons why you 100 yuan will return cash to 80 yuan instead of 50 yuan!

For example, 1 year fixed deposit rate is 2. 1%, and every ten thousand yuan deposit will be returned to 80 yuan. In this case, the interest rate of 1 year fixed deposit is 2.9%, which is 93.3% higher than the interest rate of 1 year fixed deposit stipulated by the central bank. In general, all banks are in the central bank. If the time deposit of the Postal Savings Bank is blocked in this way, after it is determined that it is not an insurance product, it can be said that no state-owned bank in the market has a 1 year time deposit interest rate of 2.9%, and it is entirely possible to choose to deposit in the Postal Savings Bank.

Postal savings bank is also one of the six state-owned banks. Although its main service groups are located in rural areas, its deposit interest rate is slightly higher than other state-owned banks. Therefore, whether you are a rural depositor or an urban depositor, it is absolutely no problem to choose a postal savings bank deposit.

Your interest rate is 2. 1%, so the annual interest rate is:10000 * 2.1%= 210 yuan. In addition, for every 10000 deposit in Yuan You, the extra cash returned to 80 yuan is equivalent to getting more interest from 80 yuan, so the interest you always get is 290 yuan, so the actual deposit interest rate is: 290 yuan/10000 yuan =2.9%, and the one-year interest rate reaches 2.9%, which is equivalent to the benchmark interest rate rising by 93.33%. I have to say that this interest rate is basically at the top level in the current market? So is this interest rate credible?

If the deposit interest rate is in local small and medium-sized banks, it may exist, but the probability in the Postal Savings Bank is very low. At present, the one-year interest rate of the Postal Savings Bank in official website is only 1.78%, but if the funds above 50,000 yuan are needed at present, the counter interest rate is only 2. 1%, and the funds below 1 10,000 yuan are basically 1.95% (benchmark

Because the deposit interest rate you mentioned is 2. 1%, this deposit interest rate is credible. Returning to 80 yuan should be a private act of employees, which is also called illegal storage according to the industry.

According to the Notice on Improving the Management of the Deviation of Deposits in Commercial Banks jointly issued by China Banking Regulatory Commission in June, 2065438+2008, it is clearly pointed out in Article 2 that commercial banks should further standardize the deposit-taking behavior, and shall not take the following measures to illegally absorb and falsely increase deposits: (1) Rebate to absorb deposits in violation of regulations. Absorb deposits through improper means such as returning cash, securities or giving away objects. As a formal state-owned bank, the Postal Savings Office can't openly violate the policy of bank supervision, so this kind of behavior is more likely to be the private behavior of employees.

However, this amount is somewhat unrealistic, because the proportion of 1 10,000 yuan returned to 80 yuan is too high. Assuming that it is10 million, 80,000 yuan needs to be returned. Unless it's just the end of the year and a little short of completing the task, it's impossible for a bank employee to give such a high rebate, because he will lose money himself. At present, the reward standards of different banks are different, but they are basically within 15000 yuan, usually 30000 yuan, so I will give you a rebate of 8000 yuan. But now it's 65438+February 3 1, and it's not at the time of assessment, so this situation of returning 10 thousand to 80 is a bit imaginary.

Deposit in the Postal Savings Bank for a fixed period of one year, and return to 80 yuan at the interest rate of 2. 1%, 1 ten thousand yuan. Is it worth saving? This question mainly depends on your risk. If it is conservative, then bank deposit is indeed a better choice. Bank deposits below 500,000 yuan are protected by the deposit insurance system, and the Postal Savings Bank is now the fifth largest state-owned commercial bank in China, which is almost equal to zero risk.

Then let's figure out whether it's a good deposit or a good deal.

Let's take a look at the current bank time deposit interest rate:

The above picture shows the current interest rate of bank time deposits. The benchmark interest rate of the central bank's time deposit is 1.5%, and the interest rates of ICBC, Agricultural Bank, China Construction Bank and Bank of China are 1.75%. The interest rate given to you by the Postal Savings Bank is 2. 1%. If you deposit 1 ten thousand yuan and return it to 80 yuan, then the interest rate of this 1 ten thousand yuan at 2. 1% is 2 10 yuan, which is equivalent to the one-year interest rate of 2.9%.

This interest rate is already very high, which is 65.7% higher than one-year time deposit and 5.45% higher than three-year time deposit. It is very worthwhile to be a time deposit. Although the annualized rate of return of some money funds can reach 2.9%, on the one hand, the income is unstable, sometimes high and sometimes low, and most of the time it is only about 2.5%, and money funds are wealth management products. Although it is low risk, it also has certain risks.

Except for a few cases where the interest rate of 1 year time deposit reaches 2. 1%, the above figure, for example, is the latest deposit interest rate table of banks in Beijing in 20 19.

As you can see, the interest rate of 1 year time deposit is mostly 1.95%, such as Industrial Bank, Minsheng Bank and China Everbright Bank. There are only two banks with time deposit interest rates of 2. 1% or above, namely 2. 15% in Bank of Ningbo and 2. 13% in Jiangsu Bank.

In other words, the interest rate of China Postal Savings Bank 1 year fixed deposit can reach 2. 1%, which is already very high!

According to the topic, handling a 1 year fixed deposit at the Postal Savings Bank can not only enjoy the deposit interest rate of 2. 1%, but also cash back to 80 yuan every 10,000 yuan, so the income is very considerable, which is equivalent to increasing your deposit interest rate in disguise.

The real interest rate is 2.1%+80 ÷1000×100% = 2.9%, which is higher than the expected rate of return of Yu 'ebao.

As far as I know, there is no guaranteed interest deposit product with a fixed deposit interest rate of 2.9% 1 year, which is beyond the range of normal deposit interest rate, and the cashback of deposits is also an unfair competition behavior that is not allowed by financial regulators!

Taking 1 year as an example, the interest rates of the four major banks in official website all reached 1.95, and even CCB reached 2. 1 percentage point, and last year it was 1.5~ 1.75. As for the listing interest rate, that is, the actual deposit interest rate, the general listing interest rate will be a little higher than the official website interest rate, and the floating range can reach 20-45%.

Fixed deposit 1 year, it is not excluded that the interest rate of some small and medium-sized banks is as high as 3.3~3.5 percentage points, but considering convenience, the interest rate of 2.9 is also relatively high.

If the one-year deposit of the Postal Savings Bank is 2. 1% and 1 10,000 yuan can be returned to 80 yuan, Cai Xiao thinks it is still competitive among similar deposits, but try not to deposit like this.

If you have a deposit of 10000 yuan in the bank, you can get the deposit interest of 2 10 yuan based on the deposit interest rate of 2. 1%, plus the rebate cash from 80 yuan, then the actual interest is 290 yuan, divided by 10000 yuan, you can get the actual deposit interest rate of 2.9%.

The bank's time deposit interest rate will only be high if the deposit time is long, reaching 3 or even 5 years. If the deposit period is short, the deposit period is only 1 year, and the deposit interest rate will be very low, even less than the yield of money funds such as Yu 'ebao. Although the yield of Yu 'ebao has dropped a lot, it has remained at around 3% on the whole, and there has been an obvious upward trend recently.

The deposit rate of one-year deposit is even lower than that of Yu 'ebao, and this fund can only be used when the one-year deposit expires, so the liquidity is poor. Compared with Yu 'ebao, Yu 'ebao has better one-year deposit, higher liquidity and higher wealth management income.

When managing money, we should consider the rate of return and risk. In the case of basically the same risk, choose the wealth management product with the highest yield. For example, compared with Yu 'ebao, the risk of one-year bank deposits is basically the same, and Yu 'ebao has an advantage over one-year deposits in terms of yield. Therefore, you should choose Yu 'ebao, or change bank, or other monetary funds with the same value. This kind of deposit interest rate is 2. 1% bank deposit, which can be deposited, but it is obviously not cost-effective and has less income.

It seems that the bank really started shopping at the peak of the return of funds during the Spring Festival. Since 20 15, the central bank has cancelled the upper limit of the deposit interest rate of commercial banks, and banks can set their own deposit interest rates. From the compliance point of view, the one-year interest rate is 2. 1%, which is only 40% higher than the benchmark interest rate of the central bank, which is far from the highest floating rate of 55% for certificates of deposit. Therefore, the one-year interest rate of the Postal Savings Bank is 2. 1%, which is completely acceptable and compliant. As for the deposit 10000 cash back to 80, is it true? Let's look at the performance of other banks first.

Recently, Minsheng Village Bank continued to increase deposits. Among them, the one-year interest rate for time deposits of less than 654.38 million yuan is also 2. 1%, and if shopping vouchers are sent to 20 yuan, isn't this equivalent to cash? The deposit is more than 654.38 million yuan, and the interest rate is 2.22%, and the shopping voucher is sent to 30 yuan; For customers over 200,000, the annual interest rate is 2.22%, and the shopping vouchers are sent to 300 yuan, which is much more honest than the Postal Savings Bank. Other state-owned banks and joint-stock banks, as well as city commercial banks and rural commercial banks, all have the behavior of raising interest rates and giving points, only openly or secretly, because of supervision, you know.

Thus, it is not surprising that the one-year interest rate of the Postal Savings Bank is 2. 1%, and 65438+100000 yuan is back to 80. This is just the normal reaction of banks in a special period, so there is no need to over-interpret it.

Of course, the awareness of prevention has not been completely abandoned. First of all, we should carefully distinguish product categories. I heard that postal savings is a high-risk area of insurance. You can directly ask whether it is a deposit or insurance or other wealth management products. Secondly, thoroughly understand whether there is liability for breach of contract, such as early withdrawal with unlimited terms, liability for breach of contract, etc. Third, since the cash has been returned, it must be obtained immediately to avoid falling asleep. If interest is included, it is best to have a contract and keep the evidence to avoid being cheated. Postal savings bank belongs to a large state-owned commercial bank in China. In fact, in different parts of the country, the implementation interest rate of branches is also different. I wonder if your local interest rate has increased? Do you have integral gifts?

Cai Xiao's suggestion: You can deposit it, but you should pay attention to whether it is in compliance and whether it is possible to change the deposit into insurance. In addition to deposits, it is recommended to consider bank financing with higher returns.

The deposit of 1 000 yuan is returned to 80 yuan, which is equivalent to 0.8% more interest. Together with the original one-year deposit rate of 2. 1%, the deposit rate of Postal Savings Bank 1 year has reached 2.9%, which has reached a quite high level, exceeding the current yield of money funds such as Yu 'ebao.

Judging from the one-year deposit interest rate announced by the state, the one-year benchmark interest rate is 1.5%, and if you open a new account and reserve more than 50,000 yuan, you may get a yield of 2. 1%. If you return to 80 yuan, it is equivalent to the benchmark interest rate rising by nearly 1 times, and 50,000 yuan can get cash from 400 yuan immediately, which seems to be very cost-effective.

Although the current deposit interest rate has been marketized, the bank decides how high the deposit interest rate should be given to depositors, but the floating rate is close to 1 times, which obviously exceeds the range that banks can bear. According to Cai Xiao's experience, cash back to 80 yuan may be given through other channels, perhaps from employees of private enterprises, with the main purpose of collecting deposits-not long ago, it was still very popular to send oil to send rice to send eggs, which is also the reason.

However, it is illegal to send rice, oil and salt directly back, and the Postal Savings Bank is also regulating it. Under normal circumstances, it will not be done. So when you deposit money, you should pay attention to the risks, and ask about the way and time of cash return, whether you want to give vouchers, and whether your deposit has bank vouchers.

Refund of commission is a common way for banks to sell insurance, especially for some banks, the income from selling insurance is much higher than that from collecting deposits. This is another point to pay attention to. Pay attention to whether the deposit has become an insurance policy, or you will face a lot of losses in the future.

According to the understanding of the postal savings deposit policy, if the interest rate is 2. 1%, the deposit has exceeded 50,000 yuan. If you have 50,000 yuan, you can choose the one-year wealth management products of the Postal Savings Bank to get better income.

Bank wealth management products invest in the capital market. At present, the one-year rate of return is about 4%, and the starting point is 10000 yuan, which is relatively low, so you can generally get corresponding income.

(Screenshot of Postal Savings Mobile Banking 190723)

(1) Traditional products mainly include funds, bonds and financial securities. This kind of product has low risk and a certain income, and the general annualized income is about 4%.

(2) RMB structured deposits are linked to the exchange rate, which is essentially similar to similar foreign currency products, and the risk is slightly higher than that of traditional products.

The interest rate of one-year fixed deposit of Postal Savings Bank is 2. 1%, which is quite good, and my conscience finds it. At present, the central bank's benchmark interest rate is 1.5%, and 2. 1% is equivalent to a 40% increase in the benchmark interest rate, which is much more cost-effective than the four major state-owned banks. The four major state-owned banks generally rose by about 20% to 30%.

And the deposit 10000 is returned to 80 yuan, how to calculate the specific rate of return?

The income due in the future is equivalent to 265,438+00 yuan plus the income of 80 yuan and its years. If the calculation is still based on 2. 1%, the total income will be 29 1.68 yuan.

Therefore, our actual income of 65,438 yuan+0,000 yuan is 2.965,438+0.68%, which is equivalent to the benchmark interest rate rising by about 94.45%.

In fact, many people don't feel this way, mainly because we are aiming at a fixed rate of return of three years or more. At present, the three-year fixed deposit interest rate of large deposit certificates of major banks can generally reach 4. 18%, which is much higher than this one-year fixed deposit.

Deposit money in the Postal Savings Bank. Never buy it as insurance or other wealth management products. As far as deposits are concerned, this is very cost-effective. If it's other wealth management products or insurance, it's another story. Because the yield of ordinary wealth management products is generally between 4% and 5%.

One year is 2. 1%. If you deposit 1 10,000 yuan and return to 80 yuan, the interest rate will reach 2.9%, which is very cost-effective and can still be saved. There are two key points to pay attention to: 1. How to return 1 10,000 yuan in cash to 80 yuan? Second, do you pay it back when you save money, or when it matures one year later?

According to the regulations, banks are not allowed to get customers by returning cash to users, but some banks will do similar activities in disguise in order to pull deposits.

1 10,000 yuan back to 80 has three ways, when saving money, when it expires, and in the process of saving money. In this case, it is safest to pay back the money when saving money. How can the other two be guaranteed? Because banks are not allowed to sign refund agreements directly.

At present, the income of one-year wealth management products of many banks can reach more than 4%, which is much higher than the one-year fixed deposit rate. In terms of security, at this stage, bank wealth management is almost as safe as time deposits, so don't worry.

The one-year time deposit mentioned by the landlord, the interest rate can reach 2.9%, which is already very high. You can consider saving it.