Go to the bank for a fixed deposit. If marketers tell you three things, beware of fraud.

If you want to ask: What is the most trustworthy enterprise now? I think most people's answer is: banks! Especially in the past, the bank was the most trusted place for ordinary people, and the money in the bank was 100% at ease.

However, in recent years, with the increase of banking products, the increasing marketing pressure and the extensive use of marketing words, more and more people feel that banks are not so reliable. Even when some people mention the bank, they will hum some dismissive attitudes from their noses: put the money in the bank and forget it! Isn't it fragrant to deposit Alipay? !

Why do some people distrust banks and are unfriendly to them? Among them, apart from some misunderstandings, some are caused by "false marketing", "false marketing" and "over-marketing" of banks. In the 1980s and 1990s, banks only handled deposit and loan business, and bank employees didn't have so many marketing tasks, at most, they just pulled deposits. Banks have no desire. They are very considerate of people's service. The people also have a good impression on the bank and trust it very much.

However, in recent years, in order to make a daily income of 780 million yuan, banks should not only vigorously issue loans, but also market endless products. As a result of heavy work pressure, products are sold too much, and some inappropriate marketing behaviors will inevitably occur. In particular, some employees who don't plan to work in banks for a long time often have the idea of "completing first", which will exaggerate the product income, cover up the product shortage, and even lead to the situation that "deposits become wealth management" and "certificates of deposit become insurance policies".

If you go to the bank to deposit time deposits, there will be staff to sell products to you. Banks now attach great importance to intermediary business income (that is, fee income), and it is normal to market some funds, insurance, gold and other products to you. But if a bank employee says the following words to you, then you should pay attention and be prepared in your heart:

1. If your money can be saved for three to five years, I have a wealth management product here, and the income is much higher than the interest rate of a three-year time deposit. You can deposit this wealth management product.

I think you are good at making money. You save a lot of money every year. If you don't use this money for several years, I suggest you make a long-term savings for yourself to prepare for your future pension.

There is a kind of deposit that suits you very well, starting from 20 thousand yuan, saving 20 thousand yuan every year, saving for 3 years and putting it aside for 3 years. When you take it out in the sixth year, you will get a lot of interest.

These words are all designed by banks for marketing products. If you just want to deposit a time deposit, you must control yourself. No matter what the bank staff say, no matter whether the bank outlets send you rice or oil, don't change your initial intention of "saving time deposits". If you listen, there is a great possibility that you will buy wealth management products, insurance products or trust products.

Especially when you finish the "deposit" business, the bank staff put your bank card and all the information in a bag and told them, "Take good care of the information, and don't take it out at ordinary times. If you accidentally lose the card and information, it will be troublesome!" In this case, most of them are "certificates of deposit changed into insurance policies". In particular, the elderly should guard against this situation. Most of the things that change certificates of deposit into insurance policies happen to the elderly.

Of course, it is not useless for bank marketers to let you buy wealth management products, insurance products, gold products, etc. Some financial suggestions are desirable. If you think what the bank marketing staff said is reasonable and in line with your own situation, then it is ok to take care of the money according to the advice of the bank staff.