Banks are physical wealth management centers visible to users, while many users of online wealth management products are "invisible and intangible", so there is greater possibility of fraud and greater risk. So most people have a high degree of trust in banks, especially middle-aged and elderly people. In today's society, it is often middle-aged and elderly people who have deposits, while young people are old and young, and some have to bear debts such as mortgages and credit cards. In the cognition of middle-aged and elderly people, a bank is a place where you can earn interest by saving money. So this is what they think of as financial management.

Many people lack knowledge of wealth management products or have low risk tolerance. Some people are still willing to buy wealth management products through understanding, and some people may lose money as soon as they hear about it, preferring to earn minimal interest from banks rather than take the risk of losing money. Moreover, wealth management products have a long term and are not flexible enough. For many people, the money in the bank is not only safe, but also available at any time in case of emergency.

Moreover, in the past few years, many third-party companies in financial management illegally raised funds, which led to people's distrust of the products of financial management companies. Most people still rely on their savings earned by their own work. They don't want to take risks, but they have certain investment ideas, and they are afraid that their stocks are all green, insurance is afraid of being cheated, lending to underground usurers is timid, investing in joint-stock enterprises has no doorway, and physical investment is not good. Many people still keep a wait-and-see attitude towards this kind of investment and financial management.

But generally speaking, bank deposit is a traditional financial management method. Although the interest rate is not high, it will not lose money. Everyone has different risk tolerance, so they choose different financial management methods. What kind of financial management method is not important, just suit yourself.

I am a bank clerk. I'll answer that.

As can be seen from the above figure, the bank interest rate is decreasing year by year. People who come to the bank to save money now will complain about the low interest rate, but they still choose to have a bank.

Why choose deposit instead of financial management?

First, the nearby banks have no wealth management, only deposits.

Wealth management products have long been common in major banks such as workers, peasants and China Construction, but they are little known in rural areas. From 2065438 to the beginning of 2007, our bank began to make wealth management products. Up to now, many rural commercial banks have no wealth management business because they can't meet the regulatory requirements.

Second: financial management requires a starting point of 50,000.

According to the regulatory requirements, bank wealth management products should start at 50,000 yuan and not be less than 50,000 yuan.

Third: financial management without capital preservation is risky.

Financial management is divided into guaranteed fixed income financial management, guaranteed floating income financial management and non-guaranteed financial management. In 20 17, CBRC required our bank to sell only non-guaranteed wealth management products. Although the bank's wealth management products are guaranteed by the bank's reputation, some bank employees will verbally declare that there is no risk in the past, but the bank's wealth management products are not as foolproof as people think. 20 1 1 On August 28th, 2008, the CBRC issued the Measures for the Administration of the Sale of Wealth Management Products of Commercial Banks, requiring banks to sell them. During the purchase process, customers will also be reminded that financial management is not a deposit, so be cautious when purchasing.

Fourth: the deposit can be withdrawn in advance, but it cannot be withdrawn in advance during the financial renewal period, and it must be deposited at maturity.

I don't understand the financial management of other banks. Our wealth management products are all raised in about 7 days, and no interest will be generated during the raising period. If customers go back on their word after buying, they can cancel the purchase. However, after the end of the fundraising period, the wealth management products will take effect and cannot be withdrawn in advance. After the expiration, they will automatically return to the signing card. Although the financial management period is very short, generally 30/60/90/ day, if customers need money, they can't withdraw it in advance, which is also a factor for customers not to choose financial management. At the same time, more and more people just want to save money safely and conveniently, and take it at any time, regardless of deposit interest.

Fifth, I don't know much about wealth management products. I think it is insurance, and I reject the banking products recommended by tellers.

Some banks sell insurance on their behalf, and customers ask for deposits. In order to get a higher commission, the staff stole the concept and mistakenly deposited insurance. When the customer needs to withdraw in advance, the principal loss is serious, and the customer has no way to complain. The existence of these people affects the credibility of banks.

Summary: When customers choose financial products, they must fully understand them and then make their own judgments. Therefore, I will inform my customers of the advantages and disadvantages of financial management and deposit at work, and customers will choose according to the actual situation.

The interest rate of bank deposits is low, and many people choose to save money instead of doing financial management for many reasons. First, banks are the safest and most secure in everyone's mind. After all, it is their hard-earned money. They want to use this money to support the elderly, raise children, buy a house and a car, and send their children to college ... once this money is risky, the sky will fall and life will be impossible. Second, there are still a large number of people who don't know what the bank's wealth management products are, especially when they are asked to sign an agreement, and they are even more reluctant to buy wealth management products or make any risky investments. Third, because I have not tasted the sweetness of financial management, I am particularly cautious. Might as well be at the bank. Of course, there are other reasons. These people are neither rich nor rich, relying on only wages. They have no conditions to take risks and dare not take risks. The bank is their most trusted place to deposit money.

I think this problem is nothing more than the following aspects.

1, has been in contact with us since childhood. People's idea is that banks have physical stores, and even if something goes wrong, we know who to look for. Relatively speaking, many financial operations are carried out online or on mobile phones, which gives some people the feeling that it is a bit unreliable.

2. At the beginning, bank deposits are often not limited by funds, ranging from one piece to several million. You can choose to deposit in the bank (of course, it is estimated that there are several million, and you will not deposit in the bank.