Whether from the actual experience of the banking industry, or from the perspective of the real market, if compared with before the Spring Festival, the probability of the bank's interest rate after the Spring Festival will certainly fall.
First, according to past practice, before the Spring Festival is the peak moment of the bank's one-year interest rate
This is also understandable, because the year is too much significance to the Chinese people, the year is a summary. People who do business usually close their accounts before the year, and those who work pay their year-end bonuses before the year, so before the Spring Festival is the moment of the greatest liquidity and the richest hand. So this period of time is also known by the bank as the peak season in the peak season, we usually understand that the bank open door is not after the Spring Festival, but into the Spring Festival a whole month is the open door.
Typically, banks will focus most of their resources on this period of time to seize the funds, the gifts to send gifts, the interest rate to raise the interest rate to raise. As a banker, the two days of the circle of friends is simply bursting, the major banks have gotten a more substantial increase in interest rates, and even state-owned banks, large certificates of deposit, before 4% are no quota, and now even raised to 4.125%.
Second, high interest products are difficult to apply
Banks want to issue high interest products to compete for the market, and not how much they want to issue how much they need to report to the regulatory authorities for approval, if before the Spring Festival in the name of the holiday season is good to apply for some, but from the current situation, a lot of banks have high interest products so far. The first thing you need to do is to get your hands on a new one, and you'll be able to do that with a new one.
Third, the bank's three-year large deposits are particularly low profit, can not be issued for a long time
In fact, from the bank's point of view, the issuance of high products is also a loss of money to earn a lot of money, and now basically more than 4.5% of the product bank's profit margins are very low, and in the management of the new regulations of the strict control of the financial management of the Spring Festival this year, the volume and amount of sales and yield. Offering volume and amount as well as yield are different from previous years, most of the banks are mainly three-year five-year term deposits. The yield of these products is generally more than 4 points, and some also pay interest on a monthly basis, the bank's cost of capital is really too high.
Fourth, the interest rate war is not in line with regulatory requirements and market trends
A few days ago, the central bank in the loan market just released the new provisions of the LPR, which is an important step in the interest rate of the loan market, the market is generally predicted that lending interest rates are going to be lowered, and at the same time to solve the problem of the difficulty of SMEs in financing is also the policy direction of the state. And the bank profit is too high recorded the development of small and medium-sized enterprises space, also became the object of this regulation. So in the case of lending rates on the downward pressure, the bank in the liability side is not likely to give customers a very high interest rate. More importantly, from a long-term perspective, China's interest rates downward pressure is relatively large, the bank does not have much incentive to fight interest rates.
First, lock in long-term returns
This will be an important investment idea for investors within 5 years, because the above also said the downward pressure on interest rates is relatively large, there is no space and possibility of rising, so lock in advance of the risk-free rate of return of more than 4% is an important choice for many customers.
From this year's open door on the point of view, the major banks to promote the main product is a large deposit, in fact, this is a very good opportunity, If there is a 5-year try to save 5-year products, the market interest rates to see small and medium-sized banks can do about 4.5 level , if there is an early payment of interest on a regular basis rate, it is best to put the interest each month fund investment!
Second, with the fund
Although the bank's interest rate during the Spring Festival is relatively high, but if you just want to rely on the bank's low-risk assets to beat inflation is not very realistic, in the current situation, it is recommended that you can do the fund or the fund fixed investment. The above said if you can save to 5 years of monthly interest-paying deposits, take out the interest to do fixed investment, if there is no monthly interest-paying deposits, you can take out the assets of 20-30% to buy funds, the remaining 80% of the funds to do fixed income deposits or structured deposits.
In summary, I think that after the Spring Festival, bank interest rates will be lower than before, and the farther away from the Spring Festival interest rates will be lower and lower. So if there are depositors who want to deposit, there is no need to wait and see, the probability is that the interest rate after the Spring Festival will be reduced.
2018 by the impact of liquidity easing, the market interest rate is constantly falling, from the balance of the treasure yield can also be seen, from more than 4% has been falling to less than 3%.
But have deposit rates followed suit this past year? It hasn't. In fact, deposit rates are slowly rising in 2018.
Let's take a look at the average interest rates for deposits of all maturities from June-December 2018:
Overall, deposit rates have been rising slightly and reached their highest level of the year in December .
The tone of the central bank's monetary policy in 2019 is steady and neutral, but at the same time, in order to promote economic development and reduce the financing costs of small and medium-sized enterprises and private enterprises, it will still use the quota reduction, reverse repurchase, MLF and other operations to ensure the balance of the funding surface, so the market interest rate this year will still continue to be low.
In my opinion, deposit rates will not rise significantly in 2019, nor will they fall significantly, most banks' deposit rates will remain stable, and individual banks will make small adjustments up and down according to their own funding situation.
How to deposit higher interest?
1, the deposit rate of the private bank is higher than the entity bank, the deposit rate of the local small bank is higher than the state-owned large bank
Now many of the deposit rate of the private bank can be as high as 5% or more, and a very small number of urban commercial banks or agricultural banks can reach, but the state-owned bank's 5-year deposit rate will not be more than the maximum of 4%, even if it is the 200,000 yuan starting purchase of a large certificate of deposit, the maximum is only 4.18%.
Private banks do not have physical outlets, the difficulty of soliciting deposits is greater, while operating costs are lower, so the deposit rate is the highest.
2, the longer the period, the higher the deposit rate
I generally recommend that we save 2-3 years of deposits, the interest rate is relatively high, and can beat the yield of the money fund, 1 year within the interest rate is too low, generally in the 2% below, the 5-year period is too long, and the 3-year interest rate is not much difference.
3, more than 200,000 yuan to choose a large certificate of deposit
Large certificate of deposit interest rate is still much higher than the ordinary deposit rate, many banks 3-year and 5-year large certificate of deposit interest rates are more than 4%, up to 4.2625%. Large certificates of deposit can also be based on the grade of interest, how long the deposit will take the corresponding period of interest. However, the threshold is a little higher, 200,000 yuan starting purchase.
Obviously, to deposit a higher interest rate that it is best to choose to deposit the bank before the year, because this period of time in the bank to absorb deposits in the "red" state, not only can get a higher interest rate space and there are also deposits to send gifts to send points activities, and even cash back it!
As for that, after the Spring Festival holiday bank deposit rates will not change? Obviously, the possibility of continuing to rise in the short term is minimal, but the downward adjustment is equally unlikely.
However, with the official implementation of the central bank's full-scale quota reduction, the bank's pressure to solicit deposits to further ease the post-holiday deposit interest rates will tend to float normally, large-scale deposit gift activities will no longer be available, will be mainly into the rhythm of the issuance of loans.
In addition, due to increased downward pressure on domestic economic growth, the central bank this year, in addition to continue to open several rounds of cuts, it is likely to enter the channel of interest rate cuts, which at present is the probability of the event, but need to wait for January after the cuts, presumably, the impact of monetary policy will need to look at the results of the second quarter, after all, there is a certain delayed effect of the policy.
In any case, everyone, whether it is a deposit or to buy bank financial products, the recommendation should be to choose to complete as soon as possible, especially before the opening of the channel of interest rate cuts to lock in the earnings in advance, which is to ensure that investors achieve a higher return on the ideal way.
First of all, low interest rates in the next few years is the general trend.
Secondly, it is impossible to get high returns on deposits. Please pay attention to the state's latest policy
Currently encouraging people to deposit money into the capital markets, it's not too late, and when those who dance squarely also come to the time will only be able to drink soup
After the Spring Festival, the bank deposit interest rates generally do not change much.
Before the Spring Festival, many banks launched the door-opening activities, is to attract more deposits. If you make a deposit before the Spring Festival, you will not get the highest interest rate, but there are a lot of gift activities before the Spring Festival. For example, if you deposit 5,000 yuan, you will get a free trolley case, a free rechargeable treasure, and so on. There are also banks that offer free cash on deposit. These activities from the other side to raise the interest rate.
Then, after the Spring Festival, because the pressure on bank deposits is not as great as before the Spring Festival, the door-opening activities are not as much as before the Spring Festival. Many banks will even cancel the door-opening activities. Therefore, after the Spring Festival, the bank deposit interest rates on the surface did not change much, in fact, deposits due to the lack of open door activities, the equivalent of a reduction in interest.
How to deposit to get the highest interest?
Deposit rates vary from bank to bank. Generally speaking, the interest rates given by the big four banks are not too high as they have a stable source of deposits. And like other Postal Savings Banks, Rural Commercial Banks, some of the small and medium sized banks will offer higher interest rates on deposits in order to increase the amount of their deposits.
From the above table, it can be seen that the Postal Savings Bank is the one with higher level of interest rates on deposits. You can choose to go to your local postal bank and inquire about the local deposit interest rate levels in detail. However, there are more insurance staff inside the postal bank, to deposit must pay attention to the deposit, not to buy insurance!
Each grade of bank deposit interest rate level is very different. Half a year and three-year deposit interest rate difference of double. Therefore, if the money is free money, you can consider the deposit of a longer period of time. A three-year or five-year term is best. There are also banks that offer 5% or more interest on deposits for a five-year period due to the advantages of the Internet. These can also be considered!
The New Year is here, and I wish you all a happy new year! I wish you all a happy new year, a new year with more money and more and more deposits! Thanks for the likes!
The answer is: after the Spring Festival bank deposit interest rates will go down is a probable event. The deposit rate will go down after the Chinese New Year, while the loan rate will go up in all probability.
Because according to the past history of the bank's deposit rate chart, the bank's deposit rate is generally at the end of the month, the end of the quarter, half-yearly report, the end of the year, and other special stages of the deposit rate is high, due to the bank's capital constraints, only to implement the deposit rate to solicit deposits, some banks in addition to floating the deposit rate in addition to deposits to send gifts, deposits to send points, and even some deposits back to the cash, and other various ways to solicit deposits. The first thing that you need to do is to get your hands dirty.
Because the end of the bank in order to alleviate the pressure of financial constraints, has been implemented on the floating deposit rates; and after the bank financial constraints after the end of the pressure, the bank will naturally deposit interest rates further down, can save some interest expenses, interest less funds equal to the bank to save the cost of deposits, which increases the profit. Another factor is that after the year many people also have free money, funds are not so tight, naturally, the money belongs to the bank, so the bank at this stage is unlikely to give the deposit high interest rates again.
Want to deposit to get the high interest rate to catch a few characteristics, deposit in the bank for a long period of time; choose the time of the bank's high deposit rate; try to choose a small bank to deposit and so on the three characteristics of the highest deposit interest rate.
(1) choose the bank deposit rate for a long period of time; the deposit rate of one year is certainly lower than the deposit rate of two years, depending on the deposit rate of two years is certainly lower than the deposit rate of three years, the deposit rate of three years is lower than the deposit rate of five years; so try to choose a long period of time for the deposit, such as five years of deposit rate, so that the same amount of money can certainly be a better interest rate. The same is true for a lot of other people, but it's also true for a lot of other people.
(2) choose the timing of the bank floating deposit rates, such as the bank every month at the end of the month assessment, quarterly assessment of the quarterly assessment, half-yearly assessment of the annual report; the end of the year there is the end of the year assessment; especially at the end of the bank every year is the highest deposit interest rates, the end of the year the bank is very short of money at the time, the only upward fluctuation of the deposit rate in order to solicit deposits. So want to deposit to get the highest interest highest is at the end of the time to deposit the bank.
(3) try to choose a small bank to get the highest interest rate, the state-owned bank deposit rate is the lowest, followed by the joint-stock banks, the highest deposit rate is of course the small banks, such as agricultural banks, credit unions, private banks and other banks deposit rate is the highest, only to deposit the deposit into these banks to get a higher interest rate.
The above is for you about the bank after the year the deposit rate is floating or floating, and then there is how to save to get high interest and so on two problems analyzed, I hope the above analysis can help you.
First of all, after the Spring Festival bank deposit rates will fall that is relatively speaking, if it is a fixed-term deposits, most of them will not change, the interest rate decline is often the yield of financial products. How to deposit in order to the highest interest rate, I think that is to give up the fixed deposit, buy financial management, the longer the years of financial products certainly the higher the return. If your need is to be able to withdraw at any time, then buy open-ended financial products, the current yield of the banks are around 3.3%. Then now the bank have launched a cumulative number of class interest-bearing products, how do you say, is still your own current account, to see your account on the current deposit daily average down to how much, if the daily average of up to 300,000, you can even reach the annualized 3.75% of the proceeds
One of my classmates in the local work of a bank, yesterday something to go to him, he is now busy to do the open door to the red activity, the main thing is the deposit The first thing you need to do is to get your hands on some of the most popular products and services in the world, and then you can get your hands on some of the most popular products and services in the world.
I asked him what time this activity is going to take place. He said that is until the Spring Festival, after the Spring Festival will return to normal state, as for there are no other activities, need to come back from vacation to reconsider, I guess we have to March to know.
Like their bank's situation should be more representative of the bank before the Spring Festival door-opening activities, mainly in order to absorb customer deposits during the Spring Festival, for the first quarter of the target task to lay the foundation.
The Spring Festival period is a very good financial season, this time in the hands of the cash is more abundant, some sent the year-end bonus, some to return the years of arrears, some do business to earn a lot of money, before and after the Spring Festival, these funds will be returned to the bank, so the bank deposits at this time of the year the preferential treatment of the more, the depositors can get more affordable.
Generally speaking, after the Spring Festival, the bank door-opening activities on the end of the original gift will certainly not be sent again, some banks can still maintain the interest rate policy, some bank interest rate standard will be adjusted downward, so after the festival deposits are often not as affordable as before the festival.
Then? How to deposit to get a better interest rate? I think this needs to be divided into circumstances to choose, more information about the relevant information, more financial knowledge, your savings earnings will improve.
First of all, you have to learn the comparison of the same bank products, such as the above we said, the same bank before the Spring Festival deposit interest rates than after the Spring Festival, to get more affordable, try to choose to save before the holidays.
Secondly, you have to learn to compare the products between different banks, now bank interest rates gradually market-oriented, the difference between the deposit rates of the same bank is relatively large, some banks, even if they engage in activities, the interest rate may not be as high as the usual interest rates of other banks, for example, I chose to an Internet bank deposits, the 5-year interest rate of 5.0%, one year early withdrawal interest rate of 4.6%, which exceeds the rate of my classmate's bank's open door offer.
Will bank deposit rates go up or down after the Chinese New Year? How can I deposit to get the highest interest rate?
The Spring Festival holiday is almost over, and the capital market will wind up again. Generally speaking, before the Spring Festival, the central bank in order to let everyone have a good year, will maintain monetary easing, release liquidity. And what about after the Spring Festival, it will gradually withdraw funds, the market funding will be a bit tense.
Corresponding to the bank deposit rates, generally before the Spring Festival, the deposit or financial interest rates will continue to rise. And after the Spring Festival, deposit rates will gradually go down.
And this year's Spring Festival is more special, because of the epidemic in Wuhan, and postponed the Spring Festival holiday. Because the epidemic has not been significantly improved, people are more pessimistic about the capital market. The central bank, in order to appease everyone's emotions, not only did not tighten the scale of funds, but also through open market operations and other money market tools to put enough liquidity to maintain the market monetary easing, to stabilize everyone's confidence, for the protection of the capital market.
But no matter what, the bank deposit interest itself will not change too much, basically maintain the pre-holiday level. And bank financial products interest rates are expected to fall.
If you want to get a higher interest rate in bank deposits, you can only buy large bank certificates of deposit, or bank structured deposits.
Bank large deposit and structured deposits, these two bank capital preservation products, the recent sales are very hot . Mainly due to the new financial regulations after the landing, the bank according to the regulatory requirements to break the rigidity of the bank financial products are no longer capital preservation. But the people and relatively conservative, not willing to bear the loss of principal.
There is an urgent need for new products to fill the market gap left by capital preservation. The bank's large certificates of deposit and structured deposits have gradually come into the public's view, and have quickly become a hot product.
Banking large deposit itself is a bank time deposit, but the starting threshold is much higher than the bank's ordinary time deposit, at least 200,000 to start.
Because of this, the interest rate of the bank's large certificates of deposit is about 20% higher than the bank's ordinary time deposits. Now, with a deposit of 200,000, the interest rate for a three-year large certificate of deposit is about 4%, and for a five-year period, it is about 4.2%. It is very competitive.
Bank structured deposits are essentially bank deposits. It is also a piece of bank capital preservation products, but not guaranteed income. The return on structured deposits is floating because it is linked to financial derivatives, which are usually very high but also very volatile.
When we buy bank structured deposits, we tend to see that some structured deposit products have a part of the guaranteed interest rate, this part of the guaranteed interest rate is due to the structured deposits, with a portion of the funds to buy bank time deposits and get a stable return, will not be too high, 1% or so.
Structured deposit interest rate floating range is generally 1% to 10%, usually can reach 4.5%.
So it is recommended that you, after the Spring Festival, if you want to choose a bank deposit series, choose these two products. Safe returns are still high.