But if I tell you that the certificate of deposit with an annual interest rate of 3.85% is issued by a large state-owned commercial bank, and the certificate of deposit with an annual interest rate of 4. 1.25% is issued by a rural commercial bank.
At this time, many people's choices will change, and some people will choose 3.85% certificates of deposit of large state-owned commercial banks.
Mr. Wang chose a large deposit with an annual interest rate of 3.85% when purchasing a large deposit certificate of RMB 6,543.8+0,000. In this way, compared with the 4. 125% certificate of deposit, 1 three years is 2750 yuan less and 8250 yuan less.
Then, why doesn't Mr. Wang earn more interest?
Before answering this question, let's take a look at the "impossible trinity" of investment and financial management.
In investment and financial management, three things are contradictory: safety, profitability and liquidity.
To pursue security and liquidity, we must give up high returns, such as bank demand deposits and money funds.
Pursuing high returns means giving up security (such as stocks and futures) or liquidity (such as real estate).
In other words, the relationship between safety, profitability and liquidity is "between fish and bear's paw", and you can't have both. Among them, at most, only two items can be met at the same time.
Mr. Wang chose large-scale state-owned commercial banks with low interest rates for the purpose of pursuing the safety of investment and financial management, so he sacrificed some interest income.
Let's go back to the security problem between banks. Traditional commercial banks in China can be divided into four categories: large state-owned commercial banks, national joint-stock commercial banks, city commercial banks and rural commercial banks.
In everyone's impression, large state-owned commercial banks (including Industrial and Commercial Bank of China, Agricultural Bank of China, China Bank, China Construction Bank, Bank of Communications and Postal Savings Bank) are almost impossible to fail because they are state-controlled and backed by national credit (that is, guarantees). So everyone thinks it is safe to deposit money in large state-owned commercial banks. As long as the deposit interest rate is low, it is good to feel at ease.
There are 12 joint-stock commercial banks in China: China Merchants Bank, China CITIC Bank, Huaxia Bank, China Everbright Bank, Shanghai Pudong Development Bank, China Minsheng Bank, Industrial Bank, China Guangfa Bank, Ping An Bank, Zheshang Bank, China Bohai Bank and hengfeng bank.
National joint-stock commercial banks have standardized operations, growing financial strength and stronger risk control capabilities. They have become a dynamic new force in China's commercial banking system and an indispensable part of the development of the banking industry and even the national economy. Therefore, it is safe to have money in national joint-stock commercial banks.
City commercial banks and rural commercial banks are local banks with small assets, insufficient financial strength and weak anti-risk ability. So relatively speaking, security is not so high. At present, all the banks that have been taken over due to bankruptcy occur in such small local banks. For example, Hainan Development Bank, Hebei Suning Shangcun Rural Credit Cooperative and Baoshang Bank.
Therefore, for saving money, you can choose the right bank deposit according to your risk preference and brand impression of the bank, so that the funds are safe and have a certain interest income.