It concerns all depositors! There is a "new routine" for deposits, and depositors have been fooled. Are you among them?

As we all know, most of us have the habit of keeping money in the bank. On the one hand, saving money can reduce impulsive consumption and let people develop the concept of thrift. On the other hand, it can effectively resist risks. In case of sudden illness and other special circumstances, you can "don't panic".

It is worth mentioning that in addition to these, we can earn a lot of interest by saving money, which is also an important reason why we love saving money. It is understood that by the end of 2002 1 and1,the balance of domestic and foreign currency deposits in China had reached 222.22 trillion yuan, a year-on-year increase of 10.4%. Among them, the balance of RMB deposits reached 2 16. 14 trillion yuan, a year-on-year increase of 10.4%.

This shows that our people love to save money, not in name only. If these RMB deposits are distributed to 654.38+04 billion people across the country, each person can get about 654.38+054 million yuan.

Of course, it is not surprising that our deposit can be so large. After all, many people in China don't know how to invest or manage money. If they have extra money, there seems to be no good place to go. Out of trust in the bank, many people will put all their "net worth" in the bank to obtain interest income.

You can't trust the bank too much.

However, although saving money is a good thing, people should not trust banks too much, because individual banks will fool depositors into choosing so-called "deposit products" for the benefit. However, when depositors choose these deposit products, it takes a while to find that their money is "less".

In fact, this is the "routine" of the bank. The so-called "deposit products" have nothing to do with deposits, and are generally insurance or wealth management products. In order to let depositors "invest money", some staff generally lure depositors to handle related business with "high interest rate and high return". Many depositors think that they are in the business of saving money out of trust in banks, but when we do so, they suffer a "big loss".

It is worth mentioning that in July last year, the China Banking Regulatory Commission issued a message, pointing out that there were some irregularities in Beijing Rural Commercial Bank, Shanghai Pudong Development Bank, bank of dalian, Agricultural Development Bank and Agricultural Bank. Moreover, some time ago, that is, February 3, 20021year, the CBRC also named Everbright Bank as having some problems, such as illegal agency operation, confusion between self-operated products and consignment products, and linkage between deposits and loans.

Therefore, we can't trust banks too much. Moreover, when we go to the bank to deposit money or handle other business, we must be more "careful" to avoid being cheated. Of course, it should be noted that there are not only various "routines" of some banks, but also the following three new routines that are related to all depositors. You must pay attention to them in the future.

Structural deposition

When I heard about structured deposits, many unsuspecting depositors thought it was a new type of deposit, but it was actually just a wealth management product. If depositors choose structured deposits, banks will embed financial derivatives such as options on the basis of ordinary deposits, so that depositors have the opportunity to obtain higher returns by linking them with interest rates and exchange rates.

However, investment is risky after all, and depositors who choose structured deposits may also "lose money". It is worth mentioning that some unsuspecting depositors were cheated and suffered heavy losses. Therefore, if a bank employee recommends a structured deposit to you, you must think twice, because this is not a deposit, but an "investment".

Deposit insurance

In fact, many banks' deposit routines are either to turn deposits into investments or to turn deposits into insurance. Many routines are "changing the soup without changing the medicine". The "dividend insurance" we are going to talk about now is the most typical routine of "changing deposits into insurance".

As we all know, a normal deposit will generate interest after a period of time. Although the interest rate is not high, it is better than stability. But similarly, dividend insurance also has similar interest. In order to attract depositors, dividend insurance also has high returns. Therefore, many depositors mistakenly believe that dividend insurance is also a deposit method. But I don't know if the insurance company will invest this money. If the investment fails, the depositor will not get the money.

Bank automatic deposit

When handling time deposits, many depositors like to choose "automatic deposit". Because of this, when the time deposit expires, the bank will help your deposit and interest to continue the time deposit. This can ensure that depositors can obtain long-term stable income and avoid the interest rate automatically becoming current after the deposit expires.

The original "automatic deposit" service is very convenient for depositors. However, it should be noted that the bank will still calculate the interest rate according to the original calculation method after the automatic transfer. In other words, if the latest interest rate of the bank is higher than the interest rate of your previous deposit, the interests of depositors will be reduced. Therefore, I still hope that when you apply for deposits, you will choose to actively transfer them, so as to maximize the benefits.

I have to say that there are still many "routines" of banks, and everyone should be careful about the above three routines. Of course, most banks are very formal and trustworthy, and there will be no "catty". However, some banks and employees will inevitably sacrifice the interests of depositors in order to "get rich", so when we go to the bank to handle business, we should also keep our eyes open and not be tempted by the so-called "high interest rate".

Have you ever met the above three routines? In addition to these routines, what other banking routines have you encountered? Please talk about your experience.