Is it better to deposit in a big bank or a small bank? Big banks have high reputation, large scale, many business outlets, convenient access, but low interest.

Small banks have low popularity, small scale, few business outlets, inconvenient access, but high interest.

But now, whether it is a big bank or a small bank, it can operate online, and whether it is a big bank or a small bank, if it chooses a deposit product, it is protected by the clause insurance regulations.

So if you want high interest rates, you can choose small and medium-sized banks.

But if you want convenience, you can choose a big bank.

But big rich brother prefers small and medium-sized banks because his interest rate is much higher than that of big banks.

For example, for a two-year time deposit, the expected interest rate of large banks may be only 2.25%, while the expected interest rate of small and medium-sized enterprises may reach 3.5%-4.8%.

The same deposit is 6,543,800 yuan, and the interest difference between the two is hundreds.

Moreover, whether it is a big bank or a small bank, deposit products are protected by deposit insurance regulations, so if your assets are below 500 thousand, you don't need to worry very much, but if your assets exceed 500 thousand, you need to diversify your investment!

As far as bank deposits are concerned, I personally think that small and medium-sized banks are more suitable, with higher deposit interest rates and equally safe and reliable funds, but small and medium-sized banks usually have fewer outlets and it is not very convenient to deposit and withdraw money!

The Deposit Insurance Ordinance ensures that most bank deposits are extremely safe. As we all know, as long as it is handled through formal channels, no matter which bank's deposits are protected by the Deposit Insurance Ordinance, deposits within 500,000 yuan (including principal and interest) are absolutely safe! The limit of 500,000 yuan basically covers all the deposits of 99.63% depositors!

In other words, for the vast majority of people like me who will never deposit more than 500,000 yuan in the bank, whichever bank has a higher deposit interest rate, they should deposit their funds in which bank!

Since funds are equally safe, choosing which bank to deposit in actually becomes a very simple multiple-choice question! A bank, with many outlets and close to home, has a three-year fixed deposit rate of 3%; Bank B is away from home 10 km, but the three-year deposit interest rate can reach 3.85%, with a difference of 0.85%! Which bank would you choose to deposit?

In a word, deposits in big banks and small banks are guaranteed, so why don't we choose small banks with higher deposit interest rates and more deposit interest income? Before answering this question, we might as well ask ourselves, what is the mentality of the questioner? Or what are the different characteristics between big banks and small banks? Or what is the purpose of the deposit?

Make it clear that the answer to the above question is like lice on a bald man's head-it's obviously there.

What is the main mentality of depositors? -Don't be deceived, don't take risks, and make sure the principal is safe. This is the so-called capital security, always in the first place.

On the premise of ensuring safety, everyone has the idea of making a profit, and everyone wants to earn more interest money. It is normal and human nature to have such an idea.

However, according to scientific principles, benefits and risks are proportional and contradictory. If you want high returns, you must take higher risks; If you want to achieve maximum protection, the income will be lower.

The above principles also apply to bank deposits. The deposit security of big banks is extremely high, so the deposit interest rate is extremely low; The deposit safety of small banks is relatively high, and the deposit interest rate is relatively high.

For example. The interest rate of ICBC's one-year time deposit is only 1.95%, while the interest rate of some small banks is 2.25%, even exceeding 4%.

As far as the security of banks is concerned, there is no doubt that the six state-owned banks established by agriculture, industry and commerce are definitely higher than 12 national joint-stock banks, and even higher than local small banks and private banks.

Finally, I want to say that it is almost meaningless for depositors to dig these trivial knowledge points. The reasons are as follows-

First, the entry threshold of commercial banks is very high, and it is not easy to open them. Whether it is a big bank or a small bank, it must be approved by the state, and now it must be approved by the Banking (Insurance) Supervision Committee (Bureau) before it can start business.

Second, the operation and various businesses of commercial banks are closely monitored by the banking (insurance) committee (bureau) and the central bank, so it is basically difficult to make fatal mistakes, and there are few cases of bankruptcy for many years in a row.

Third, the most important thing is that banks should deposit reserves (equivalent to deposits) in the central bank and pay deposit insurance. The insured amount of the depositor is 500,000 yuan of principal and interest. This insurance is managed by the People's Bank of China, which is absolutely safe and reliable.

Based on the above, it is not wrong for individuals to choose banks with high deposit interest rates according to the quota of 500,000. No matter how big or small the bank is, no matter whether it goes bankrupt or not, there are insurance funds to underwrite 500 thousand. Individuals have nothing to be afraid of.

This problem can be determined from the flow and growth of bank deposits around us today, and it is more appropriate to deposit in large banks or small banks. Local small commercial banks attract customers' deposits with innovative products, higher yield and slightly stronger liquidity, which proves to be more favored by customers.

From a safety point of view. Safety is the foundation of financial management, and all financial management methods should be based on safety. First of all, we must ensure that the principal investment will not be lost, and then we will talk about the income. The reason why big banks are called big is mainly because of their large assets and strong ability to resist various risks. Compared with local small commercial banks, the only advantage of big banks (state-owned banks and joint-stock banks) deposits is safety and stability.

Compare from the perspective of liquidity. The innovative deposit products developed in the past two years are all flexible cash management products. Relatively speaking, smart deposits of small commercial banks are more liquid. For example, private banks earn interest by filing or stipulate that the annual interest rate for early withdrawal is 4. 1%-4.3%, which is almost equivalent to the general liquidity of demand deposits and can be freely accessed. Big banks are also issuing some cash management products, but there is no provision for early withdrawal of interest rates. There are only short-term cash management deposit products, such as 14 days and 2 1 day. Compared with local commercial banks, the liquidity is almost the same.

Compare from the perspective of profit. In the interest rate range of ordinary time deposits, the deposits of large commercial banks are about 1.95% for 0 years, 2.94% for 2 years, 3.3% for 3 years and 3.3% for 5 years. Certificate of deposit (200,000 yuan) 1 year 2. 1%, 2 years 3%, 3 years 3.85%, 5 years 3.85%; Most cash management products are short-term investments, about 1 month,1.3% March,1.5% June, and 2.05% 1 year.

The deposit interest rate of small commercial banks is about 1 year 2. 1%, 2 years 3.05%, 3 years 4. 125% and 5 years 4.2625%. The deposit interest rate of certificates of deposit and smart deposits generally rises by 55% on the basis of each period, with the highest five-year deposit interest rate of 5.45%, which is also the highest deposit interest rate of domestic banks.

[Summary] At present, the deposit funds in the hands of ordinary people reach 500,000 yuan, mostly tens of thousands or hundreds of thousands. This amount is within the scope of the Deposit Insurance Ordinance, so the income of small commercial banks is higher. Nowadays, the advantage of high interest rate has become the biggest weapon for small banks to save money. In some places, the deposits of big banks continue to show negative growth, which is also a direct reflection of the low rate of return.

Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and Bank of Communications are all big banks. Peng Kun's theory first talked about his views on these big banks:

Peng Kun has a business card of China Bank, which was given by the company. He must use it for business trips at ordinary times. Travel tickets, accommodation fees, etc. Reimbursement can only be made after receipt and invoice are issued. It is said that it works well all over the world, but this card can only be used for business trips in Peng Kun, and it is hidden in the snow at other times. In my impression, there are few bank counters in China, ATM machines are scattered in several outlets in the city, and business has never been handled manually.

Peng Kun's Yu 'ebao and WeChat are both bound to the industrial and commercial bank card, so this card only plays a transit role; Building a bank card is used to repay the mortgage; The traffic bank card is used to take the bus; I used to save money in the Agricultural Bank of China, but later I felt that my attitude was not good, so I abandoned it so far.

The biggest feeling of the four major banks is that the interest rate is low, and sometimes the service attitude is not satisfactory, so now local banks are chosen for basic deposits. Although there are few banks, there are many people who handle business, which is not as cold as big banks. On the one hand, the reasons are enthusiastic service attitude and many receptionists. If you don't understand, you will be given a detailed answer; On the other hand, interest rates are higher than those of big banks.

For example, the one-year fixed deposit rate of big banks is 1.75%, while that of our local banks is 3%. Of course, ordinary people are not stupid and will choose banks with high interest rates and good service.

As for the safety of small banks or big banks, as an ordinary person, there is almost no concern about deposits not exceeding 500,000, because insurance companies underwrite less than 500,000.

It is no problem for a family to have100000, and the husband and wife each save 500000. If you have a large deposit, divide it into several small banks. If you have 100 million yuan, don't choose to deposit it in the bank. At that time, you may get a loan of 200 million.

At present, deposits are still very popular with everyone, especially middle-aged and elderly friends. Many people prefer to put their money in the bank when they have money, because it is safe and reliable to put money in the bank.

However, at present, there are many domestic banks, and the number of corporate banks alone is more than 4 100, and each bank has many outlets, so people sometimes find it difficult to choose when making deposits.

For example, between big banks and small banks, many people can't make up their minds. On the one hand, big banks are large in scale, strong in strength, strong in brand influence and safe and reliable, but correspondingly, the interest rates offered by these big banks are generally low, such as the same three-year period. At present, many big banks only give interest rates of around 3.58%.

On the other hand, some small banks can offer high interest rates. For example, many small banks with the same three-year term can even offer interest rates above 4.5% if the quota is relatively high, but these small banks are small in scale, with few outlets and little brand influence, so many people feel uneasy about putting money in these small banks.

In fact, both big banks and small banks are formal banking institutions in China and formal financial institutions officially approved by the China Banking Regulatory Commission. They all pay the deposit reserve and participate in deposit insurance according to the requirements of the regulatory authorities, and will be assessed by the MPA of the regulatory authorities every month and quarter. If something goes wrong, they may be taken over by the regulatory authorities at any time.

So generally speaking, whether it is a big bank or a small bank, it is actually very safe, provided that everyone must go to a regular bank outlet and a regular counter.

As long as you go through the formalities of deposit through formal channels and sign various contracts or bills in monitored places, there is basically no risk in this deposit, whether it is within 500 thousand or above 500 thousand, whether it is in big banks or small banks, there is basically no big problem in personal deposits.

However, if people covet some high returns, such as being dragged into some dark rooms by several staff members to sign contracts, and then they promise you more high returns, if you trust these people easily, your funds may be at risk, whether it is a big bank or a small bank.

For example, at 20 14, something happened at Universe Bank. At that time, the lobby manager of Liaoning Jianping Sub-branch of ICBC defrauded a customer of 3.5 million yuan on the grounds of handling wealth management products, and then the lobby manager defrauded 3 million yuan and used it to invest in precious metals through other people's bank accounts. As a result, he fell into the trap of others and the principal could not be recovered.

In the end, this customer lost 3.5 million. Although she sued the bank to the court, she only got compensation of 6.5438+0.4 million yuan in the end, which was equivalent to her own loss of 2.65438+0.4 million yuan.

The customer lost so much because she easily believed that individual staff members of the bank operated outside the bank's business outlets. For example, this customer transfers money to the lobby manager in the car and tells the lobby manager his mobile banking password to operate. Therefore, this loss is entirely caused by the fault of the customer, and the bank has no responsibility. In the end, the bank still lost 6.5438+0.4 million because of poor management, which is already a very good result.

Through this case, we can tell you clearly that no matter whether it is a big bank or a small bank, there may be some staff who do not meet the legal requirements. If you easily believe that these staff members have suffered losses, neither big banks nor small banks can help you.

On the contrary, as long as you make deposits through formal banking outlets and formal banking channels, it is actually very safe for both big banks and small banks.

On this premise, if you want to get higher interest rates, you can choose some small banks. At present, some small banks are small in scale and weak in strength, and it is difficult to absorb deposits. In order to compete with those big banks for deposits, they usually raise the deposit interest rate.

For example, it is also three years. At present, many big banks only offer interest rates between 3.58% and 3.85%, while many small banks can offer interest rates above 4%.

Of course, whether to choose these small banks in the end still depends on convenience. Although many small banks offer high interest rates, these banks have fewer outlets and may be inconvenient to operate. For example, if you are in city A, you can't always go to distant city B to deposit money, can you?

Therefore, whether you choose large bank deposits or small bank deposits, you should consider the interest rate and convenience of deposits.

Of course, if you have more disposable funds, such as more than 200,000 yuan, you can buy certificates of deposit. At present, the deposit interest rates of big banks and small banks are similar. In this case, I suggest that you give priority to buying certificates of deposit from those big banks.

With the protection of deposit insurance system, it is good to have the highest deposit interest rate within 500 thousand.

Generally speaking, small banks have weak strength and poor storage capacity, and it is easier to offer higher interest rates, which are often much higher than those of large banks, especially state-owned banks, so priority should be given to deposits.

We are worried about security, on the one hand, the number and distance of bank outlets, on the other hand, the risk of bank bankruptcy, and finally, we are worried that banks are not standardized, insiders steal deposits, or deposits become insurance.

Under the condition that the interest rates are basically the same, there is no doubt that it is natural to choose bigger and stronger banks. For example, the national commercial bank's three-year deposit certificate interest rate is 4. 18%, while the local small bank's interest rate is 4.20%, so the national commercial bank should be given priority.

The standard for large deposit certificates of most domestic banks is 200,000 yuan. If you have 6.5438+0.5 million yuan to go to a big bank, you can only choose ordinary deposits. Interest rates tend to rise by only 30%, and the three-year interest rate can only be around 3.5%. However, if you choose local small banks, such as rural credit cooperatives, rural banks and rural commercial banks, the interest rate will reach 4. 1% or higher, and the interest rate will differ by several thousand yuan in three years.

Private banks are basically small banks, with few assets and a late start, but they have developed rapidly and made many innovations, and the deposit interest rate far exceeds that of traditional banks.

If you deposit 50,000 yuan in the bank, excluding structured deposits and wealth management products, you may get more than 4% income. Deposits are not that high, and even the annual interest rate of five-year deposits is mostly below 4%. If you choose a private bank, the maximum annual interest rate for a five-year deposit is 5.45%, and you can get an annual yield of more than 4% if you withdraw in advance, so your liquidity is good.

In any case, you can't put all your eggs in one basket, nor can you put all your savings in one bank.

Private banks don't have offline outlets, and more of them operate through mobile apps, so they are more suitable for micro-finance and can be used as a substitute for baby money funds. For large deposits, it is better to try to choose regular banks with outlets around. Shop around and don't worry too much about the size of the bank. Just put 500,000 yuan in memory, but don't be fooled into buying financial products or insurance that won't break the bank.

Under normal circumstances, the smaller a commercial bank is, the more difficult it is to absorb deposits, that is, the worse its market competitiveness is, and the deposit interest rate will be raised accordingly to improve its market competitiveness, so that the smaller a commercial bank is, the higher its deposit interest rate will be. Therefore, if you pursue interest income, you can consider small commercial banks to obtain higher deposit interest.

However, everyone's specific situation is different. Some people put money in the bank not to pursue the interest of bank deposits, but to provide better financial services for banks. For example, even if the interest rate of Swiss banks is negative, there are still so many people crowding in, and small households can't open households, so they are all large households.

The same is true of the four major domestic banks. The deposit interest rate is very low, and the official interest rate is similar to the benchmark interest rate. However, they never lack customers, just because they can provide better financial services, especially for enterprises and the government to absorb deposits.

So, do you pursue interest income from deposits or perfect financial services? If you pursue deposit interest income, it is recommended to choose small city commercial banks, rural credit cooperatives and private banks. Ordinary deposits can rise by up to 50% on the basis of the benchmark interest rate, and the interest rate of five-year time deposits can reach up to 5.5%.

If the pursuit is perfect financial services, such as buying wealth management products from banks or investing in stock futures through third-party custody, or for capital turnover, it is suggested to choose large commercial banks, especially the four major banks and 12 national joint-stock banks, whose financial services are almost all-round.

Then the question is whether the risk of deposit in small commercial banks will be greater. Before the implementation of deposit insurance regulations in May, 2065438+2005, the credit risk of small commercial banks was greater. However, since the implementation of the Deposit Insurance Regulations, the principal and interest of 500,000 yuan of any bank can be fully guaranteed. Therefore, if the principal and interest are below 500,000, it is the same to deposit in any bank, and there is no credit risk. After all, the credit risk has been transferred to the deposit insurance fund, but it is recommended to choose a large commercial bank if it exceeds 500,000.

My answer is: there are small banks. If it exceeds 500 thousand, you can rest assured. You can deposit in more than two banks, because the deposit interest rate of small banks is much higher than that of big banks.

For some very conservative people, they think that state-owned banks are the safest, will not fail, and cannot trust other banks, so they are only willing to deposit their money in state-owned banks, especially in third-and fourth-tier cities, counties or rural areas. This idea is understandable, because I don't know much about financial knowledge, and there is nothing wrong with pursuing principal security.

The advantages of having a big bank are: peace of mind, many outlets and convenient handling.

But if you want to deposit your money in the bank, the deposit interest rate is definitely not high, and it will be significantly lower than that of small banks. For example, for the same three-year deposit, the deposit interest rate of big banks is only in the early 3%, while that of small banks can reach more than 4%.

Small banks generally include private banks, rural credit cooperatives, rural commercial banks and city commercial banks. Now some city commercial banks have become large listed companies and medium-sized banks.

Small banks, especially private banks and rural credit cooperatives, have high deposit interest rates, and deposit interest rates above 5% are common. I don't think it's necessary for everyone to worry about the safety of small banks, because the deposits of both big banks and small banks are protected by the Deposit Insurance Ordinance, and deposits within 500,000 yuan can be fully guaranteed. More than 99% of China's deposits are below 500,000 yuan.

For example, if you deposit your money in a private bank, and then the bank goes bankrupt, you have to pay the depositor's money from the deposit insurance fund within 7 days after the State Council's approval, and you can pay within 500,000 yuan. If it exceeds 500,000 yuan, it will be compensated in proportion after the bank liquidation results come out.

Personally, I prefer private banks, because the deposit interest rate is very high, there are many innovative deposits, and online handling is also very convenient.

Good and bad are relative. If the deposit funds do not exceed 500 thousand, it is generally better to have a small bank. If the deposit funds exceed 500,000, it is generally better to be a big bank.

In general, the security of big banks is higher than that of small banks, but in terms of income, the yield of big banks is lower than that of small banks.

Coupled with the existence of the deposit insurance regulations, the regulations stipulate that depositors can only compensate their deposits for 500,000 yuan after the bank fails. Small banks are more likely to fail than big banks, and depositors who deposit money in small banks can also get compensation according to insurance regulations after bankruptcy.

Therefore, compensation should be stipulated according to this insurance regulation. If you plan to deposit no more than 500,000 yuan, then choosing a small bank is undoubtedly the best, with the highest income and a good guarantee of the principal.

If the deposit exceeds 500,000 yuan, it is better to pay attention to the risks. Large banks have a high level and ability to resist risks, while small banks have a weak ability to resist risks. Once the risk occurs, they will suffer tens of thousands or even more principal losses, which is not cost-effective. Therefore, if the deposit funds exceed 500,000, there should still be big banks.

But this is not absolute, because the risk cannot be controlled at all. What we need to do is to minimize the risk and get the maximum benefit. For example, it is difficult for small banks to fail. In the decades-long development history of more than 4,000 domestic banks, only one bank has unfortunately closed down, so it is difficult for small banks to close down, but it is still necessary to guard against risks. When the deposit funds exceed 500,000 yuan, it is best to choose a big bank.

Cai Xiao said there is a way to manage money. Both big banks and small banks are banks. Although the risk of bankruptcy is very low, once there is a risk, the losses caused are irreparable. Therefore, it is more important to learn financial management knowledge to increase the ability to identify and choose the best financial allocation.

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