The first is to analyze from the perspective of considering customers.

1. Poor liquidity. Time deposits cannot be moved in the bank for two or three years. Once withdrawn in advance, it will become a demand deposit with interest. Such liquidity is dead, and there is no liquidity at all. When a customer encounters an emergency, no one can tell when to use the money. If you withdraw in advance, the annual time deposit will lose interest. It is better to deposit a short-term deposit. Anyway, the interest rate is low now, and I don't expect interest income to do great things.

2. The impact of inflation. In the past three years, the average inflation rate has been above 7.5%, and the two-year and three-year time deposit rates of the Postal Savings Bank are around 3%-4%. Since inflation can't be met, the currency will depreciate more if it is kept for one year, and its purchasing power will decline year by year, so it is better to keep it for a short time.

The second is from the perspective of bank employees.

1. Motivation to complete the task. The deposit task of the Postal Savings Bank bears interest according to the balance. Saving a two-year or three-year time deposit can only be regarded as a task. It is better to recommend customers to save for one year or less. After the expiration, the customer will come back to continue the task, which also creates higher profits for the unit, killing two birds with one stone. Why not?

I want to recommend other products. At present, there are many tasks in bank outlets. Postal savings bank has not only deposits, but also financial management and insurance. Sometimes, when the deposit task is almost completed, employees at bank outlets will recommend other products to complete the tasks of insurance and wealth management.

If a customer is willing to deposit a two-year or three-year time deposit, he will not be moved. No matter what products the bank staff recommend, they will say no. These bank staff can't say that they don't do two-year or three-year time deposit business. If they really don't handle it for customers, they can call the customer service phone on the back of the bank card to complain, or they can find the relevant departments of the Postal Savings Bank to reflect the situation.

Supplement: As the sixth largest state-owned bank, China Postal Savings Bank, like other banks, has nine deposit terms: current deposit, three-month fixed deposit, six-month fixed deposit, one year, two years, three years, five years, notice deposit and fixed deposit. Customers insist on two-year or three-year time deposits, and it is impossible for employees of the Postal Savings Bank to stop customers from depositing.