At the same time, there are many banks in China. According to public data, there are more than 4,6 banks and more than 3, business outlets, which basically cover all parts of the country. Even in towns and villages, there are many banking outlets. So many banking service outlets not only greatly facilitate the access needs of ordinary people, but also provide them with more rights to choose to access banks. The people will choose this bank for themselves with good service and high interest.
In order to attract depositors, banks have taken great pains to constantly innovate wealth management products. All kinds of new ways of saving are dazzling, but the basic routine is the same, that is, using high-yield returns to collect deposits. Bank employees generally magnify the advantages of wealth management products and deliberately hide their shortcomings. As a savings party, ordinary people will also "shop around" and finally choose their own recognized banks. However, we are also very clear that depositors will always belong to the "weak" in terms of their understanding of bank wealth management products. As the saying goes, what they buy will never sell well. Although depositors are very careful, people are selfish, and they often lose their way when they are tempted by high profits. According to an insider, there are three common "routines" for bank wealth management products, and many depositors have been fooled. Therefore, we depositors must keep our eyes open when choosing wealth management products to avoid into the pit. What are the three routines? Let's get to know each other.
naturally, we don't want the idle money in our hands to become "idle money" and keep it at home. First, it's unsafe. Second, there is no income. Because in everyone's impression, the bank is a good place to deposit money, so where is the best place to put the idle money in our hands? The first thing that comes to mind is the bank. Because the business of the bank is relatively simple in previous years, everyone just deposits and withdraws money. However, with the development of the financial service industry, banks are also. There are more and more financial services, such as futures, insurance policies, bonds, etc. Because selling these financial products is attractive to banks, when depositors go to the bank to deposit money, bank staff may sell these financial products to you. In order to prevent depositors from suspecting, these salesmen often say that this is basically the same as deposits, but the interest is much higher than that of banks, but depositors don't understand that high returns mean high risks. In addition, it is very important to sell them in banks.
in order to prevent people from buying these financial products by mistake, our depositors should not trust the recommendation of the bank easily when they go to the bank to deposit money, and it is never wrong to deposit money regularly.
Insurance is a category of financial products, which is the easiest for depositors to "fall for it". A friend of mine once went to a bank to apply for a time deposit, but after the completion of the application, he found that the list was an insurance policy, and the bank staff did not say that they wanted to apply for insurance, but in the end, they made a 5,-yuan time deposit into a financial insurance. Fortunately, my friend knew a little professional knowledge, found something fishy in time, and insisted on returning the insurance, but it took a lot of trouble.
In fact, banks are not insurance institutions. They sell insurance in cooperation with insurance institutions. After depositors buy insurance, it is not a real storage business. In recent years, this kind of deposit certificate has been exposed by the media many times. Finally, banks have chosen to settle the contradiction with depositors.
Of course, many depositors' deposit insurance has something to do with the depositors themselves, because when recommending insurance, bankers often use high returns as bait to lure depositors to buy this kind of insurance with financial nature, especially those middle-aged and elderly people who are greedy for petty gains. They often have absolute trust in banks, and they never thought that banks would fool themselves into investing in insurance in this way. If the wealth management insurance you bought earns a lot after it expires, and both parties are happy, but you don't make any money in the end, then who can tell clearly what is going on? It is signed by both the buyer and the seller in black and white, even if the depositor thinks that he was fooled into buying it, it is unlikely that he will succeed in defending his rights.
In terms of financial management, most depositors will choose fixed term, because the current interest rate is too low. When choosing how to deal with deposits after maturity, depositors have two choices, one is to transfer them manually, and the other is to renew them automatically. In this case, many bank staff may advise depositors to choose automatic renewal. If this is the case, you will probably lose money on interest. Although this kind of automatic renewal is simple, its disadvantages are equally obvious. For example, your deposit is 5, yuan, which is not small. If you don't withdraw it after the term expires, the bank will automatically transfer the principal and interest balance according to the latest interest rate. Although on the surface, depositors do not suffer, in fact, depositors may suffer a "dark loss." Because many banks can talk about interest with banks when depositors' finance reaches a certain standard, and banks also have certain rights to raise the benchmark interest rate in order to save money. For example, the three-year fixed interest rate is 2.75%, but if the bank interest rate rises by 4%, the interest rate can reach 3.85%. If depositors choose to transfer money automatically, they will definitely suffer a big loss in interest.
Everyone's money is hard-won, and it is hard-earned by our families. Therefore, we must be careful when depositing money in the bank. Especially when bank staff sell you high-yield products, we must keep our eyes open and think about whether this is a pie in the sky. After all, what our depositors have to do is to nip in the bud, and we can't wait for problems to regret and defend our rights. At that time, it will not only take energy, but also protect our rights. Therefore, for wealth management products that you don't understand or are unfamiliar with, I advise you not to touch them, because there is a very good saying: greedy and cheap, eat big losses, what do you think?
Finally, let's have an interaction with you. Have you ever been cheated in a bank?