I. Basic knowledge of certificates of deposit
A certificate of deposit is an excess deposit certificate issued by a bank for depositors. As the name implies, the deposit amount of certificates of deposit is much higher than that of ordinary time deposits. People usually refer to time deposits of more than 6,543,800 yuan as large time deposits, while the deposit amount of certificates of deposit is generally higher than 6,543,800 yuan, so there are certain requirements on the term. Because certificates of deposit are deposit methods with high bank credit rating, money is safe.
23 million deposit certificate interest rate
For the deposit certificate interest rate of 3 million, the first thing to look at is the deposit term you choose. Generally, the short-term deposit interest rate is slightly lower, while the long-term deposit interest rate will increase accordingly. In addition, CDs may also be affected by demand factors such as market interest rate and monetary policy. In view of the current economic situation, the deposit interest rate is also in a downward trend as a whole, so the deposit interest rate of 3 million is also slightly lower than before.
3. How to get the high interest of 3 million certificates of deposit?
1. Select a different deadline.
In recent years, many banks have begun to offer different preferential interest rates for different certificates of deposit. Therefore, if the economy permits, it is advisable to deposit a large amount of funds in large time deposits with different maturities in order to obtain higher asset returns.
2. Choose a high-grade bank
The credit level of a bank is largely reflected in its deposit interest rate. Therefore, when choosing a bank with a large time deposit, it is advisable to know the asset scale, economic responsibility and credibility of the bank first.
3. Carefully assess risks
Although the security of certificates of deposit is high, the risks of some banks are not excluded. Depositors can refer to the bank's rating and the depositor's previous repayment. At the same time, you can also apply for time deposit insurance to ensure the safety of funds.
To sum up, the interest of 3 million certificates of deposit is affected by many factors, so you need to carefully consider your deposit period and risk tolerance when choosing, and choose a high-grade bank when choosing. Of course, the most important thing is to ensure the security and profitability of funds, in order to achieve real wealth accumulation.