I deposited a sum of money in the postal bank. Why do you always remind me that the certificate of deposit is expired?

"65438+ 10 million saved for three years before giving me 3000 yuan interest. Is there something wrong with your bank? "

At the end of last year, when I went back to my hometown to get cash from the bank, I heard an old aunt say this to the bank lobby manager. I'm curious to hear that. We should know that some banks deposit 65,438+million yuan a year, with interest of more than 3,000 yuan, not to mention three years. It is true that the deposit interest rates offered by some big banks are relatively low, but even if they are lower, they will not be lower than the benchmark interest rate. The interest of 2.75% for three years should be 8250 yuan, much higher than the 3000 yuan that my aunt got.

Is there really a mistake in the bank? Or do some people with ulterior motives profit from it?

I listened to them for a while between the figures, only to know that there was nothing wrong with the bank, but my aunt was old and only remembered to deposit money in the bank. I thought it was three years. However, in practice, my aunt only saved it for one year and didn't transfer it automatically, resulting in this100,000 plus the interest of the first year. In the next two years, it will be calculated according to the deposit interest rate, so it will be about 3,000 yuan.

Although the old aunt is forgetful, she is also a reasonable person. Knowing that it was my problem, she didn't pursue anything, just took out all the money and left. However, this incident reminds me of the fact that the Postal Savings Bank called my mother to say that the deposit was due during the epidemic. At that time, during the epidemic road closure, the bank called my mother to say that the deposit was due, reminding her to go to the bank for deposit after the road closure. If the bank can also call the old aunt when the deposit is due, the old aunt will not lose thousands of interest income as she does now.

So why does the Postal Savings Bank always remind depositors that the deposit certificate has expired? After consulting my friends who work in the postal service, I know there are roughly three reasons:

0 1 Complete performance evaluation

Anyone who has worked in a bank, or who has a family member working in a bank, will have a deep understanding of the sentence "One person works in a bank and the whole family is busy". This is because bank employees often have many tasks, and the analogy is called the task of "pulling deposits". As for the tasks assigned to each employee, banks are different. For example, when a classmate of mine graduated, his father prepared a deposit of 5 million yuan to arrange for him to go to a county-level branch of a state-owned bank, but people basically ignored it and finally entered a village bank.

Then, as far as I know, after the bank deposits expire, some banks do not classify these deposits into the deposit assessment of bank employees, but if customers go to bank outlets to transfer them, the deposits can be included in the KPI of employees. Although the deposits of many customers are not very large, when the number of customers increases, the amount will increase, which can greatly reduce the pressure of bank employees to "pull deposits".

02 Keep the depositor's deposit.

For bank employees, this practice can ease the pressure of pulling deposits, and so can banks.

Banks are not public welfare organizations, but profit demand, and everyone knows that the most important source of income for banks is the "deposit-loan difference". If there is no deposit, how can I lend money to others?

Basically, every bank outlet will also have task indicators, and there will be several deposit tasks every quarter or year. For some township bank outlets, the deposit task is not particularly big, but the pressure to pull deposits is still great, so the deposits that once existed in their own banks will be more important. If the depositor has no other capital needs, then the bank certainly wants the depositor to deposit the deposit in this bank. Even if this bank outlet is fully configured, which bank will think that there are too many deposits?

If the bank calls the depositor to tell him that the deposit is due after the depositor's deposit expires, it will continue to exist in this bank without other arrangements for the depositor's funds. And if the bank doesn't call, it is likely that some depositors will transfer their deposits to other banks. Is it more efficient to keep depositors' deposits in this way than to let bank employees run around the streets to pull deposits?

03 Enhance the goodwill of depositors

If you deposit two money in two banks at the same time, one of them will call you and tell you that the deposit is due, so that you can transfer it when you have time to prevent the interest from being greatly reduced by changing the current account regularly; And the other bank ignores you. Which bank do you prefer in this case?

Of course, there are automatic deposits that are directly transferred to the next period after maturity, but the interest rate of automatic deposits in many banks is lower than my own deposit rate. Since the Postal Savings Bank has been mentioned, let's take the deposits of the Postal Savings Bank as an example. The automatic rollover rate of one-year time deposit is 1.75%. If the depositor goes to the bank to transfer the deposit, the one-year time deposit interest rate is 2.25%, with a difference of 0.5%. The annual deposit balance of 654.38+10,000 yuan is 500 yuan. Especially at the end of the quarter, if you go to the bank to deposit money and meet the bank to do activities, you can also get some activity gifts.

In addition, this method can avoid the loss of interest caused by the customer forgetting the deposit term, give the customer a feeling that the bank attaches great importance to him, and enhance the customer's goodwill towards the bank.

To sum up: it's good for the bank to call you after the time deposit expires. Since it's a win-win situation, be generous. If there is still a deposit demand, keep it. If not, it doesn't matter if you just take it out.