During the epidemic, I stayed at home and did nothing. I checked my savings again, and found that there is a wealth management of 654.38+10,000 yuan about to expire. Because the current financial management can no longer protect the principal and interest. Therefore, I'm not interested in purchasing financial management. After all, the income is not very high, but also bear certain risks. It always feels uneconomical.
So, I found a good deposit product in Jingdong Finance: Zigong Bank's self-help monthly dividend. This is a deposit product issued by Zigong Bank. There is almost no threshold for initial investment in 50 yuan. Moreover, this is a bank deposit product, which guarantees the principal and interest, and can pay 100% within 500,000 yuan, with high security.
Moreover, the design of this product is flexible, and you can freely choose 30 days, 90 days, 180 days and 360 days to pay dividends. Interest rates range from 4.25% to 4.8%.
Since the income of wealth management products is not very high, we have to bear some small risks. Why not choose this deposit product? I just shared this good news with my wife, but she strongly opposed it. "Zigong Bank? Never heard of it? What if it's unsafe? I am still in a big bank. "
I had to patiently tell her the difference and relationship between large state-owned commercial banks and private banks. After nearly an hour of popular science, I finally convinced her completely.
I think everyone must have the same concerns. Some of these private banks have never even heard of their names. Are they reliable?
In which bank do people usually deposit money? China Construction Bank? Industrial and Commercial Bank of China? Have you ever thought about putting your money in a private bank? I think most people will put their money in the six state-owned banks, not small city commercial banks or private banks.
The reason is also very simple. Large banks are large, reputable and safer, while private banks always feel a bit "unreliable".
First of all, let's learn about the six state-owned banks: the so-called six state-owned banks are China Bank, China Agricultural Bank, China Construction Bank, China Industrial and Commercial Bank, Bank of Communications and China Postal Savings Bank. Large state-owned banks have huge total assets and strong profitability. Because these banks are related to national economic security, their own security is also the highest.
Not long ago, China Industrial and Commercial Bank announced the annual results of 20 19: the total assets exceeded 30 trillion yuan, and the average daily profit in 20 19 was 859 million yuan.
As a listed bank with the largest market value, the largest deposits and the largest profits in the world, China Industrial and Commercial Bank has been praised as "Cosmic Bank" by netizens. More interestingly, ICBC, the abbreviation of Industrial and Commercial Bank of China, was jokingly called "Love does not exist" by netizens.
Moreover, ICBC has been the "Top 500 Global Banking Brands" for four consecutive years and the "Top 0/000 Global Banks/KLOC" for seven consecutive years.
Compared with these powerful large commercial banks, private banks and city commercial banks do not have so many auras.
First, city commercial banks were originally established to serve the economic development of cities, and their characteristics are named after cities, such as Jinzhou Bank and Changsha Bank.
At first, the business scope of city commercial banks was limited to cities. Later, with the expansion of business, some commercial banks gradually blossomed everywhere in the province, and some even developed outside the province.
Compared with city commercial banks, private banks are younger and are the product of financial development. Take Blue Ocean Bank as an example. Established on June 20 17. It is the first private bank in Shandong with a registered capital of 2 billion yuan. It was founded by seven private enterprises in Shandong, including Gao Wei Group Co., Ltd., Chishan Group Co., Ltd. and Shangdi Group Co., Ltd.
With such a contrast, everyone's mind must be a little "spectrum", both large-scale and small-scale; One is state endorsement, and the other is private capital; It seems obvious which is better or worse, but is it true?
The scale of private banks is not dominant, but it should be a better choice for ordinary depositors, just because of one thing: high interest rates.
In other words, we ordinary depositors only consider two aspects when depositing money in the bank: first, security; Second, I am interested.
Needless to say, state-owned banks are the safest because of their large scale and abundant capital. But the security of private banks is also guaranteed. Because private banks are also approved by the China Banking Regulatory Commission, their operations are also supervised by relevant state departments, and they are also formal financial institutions, and their security is also guaranteed.
Of course, if your bank deposit is millions or even tens of millions, it is recommended to choose carefully. However, for hundreds of thousands of ordinary deposits, it is no problem to choose private banks, because the deposits of private banks are also guaranteed by the deposit insurance system, and once the bankruptcy risk occurs, they can also enjoy the highest compensation of 500 thousand.
Like, two children are having a snowball fight. In fact, wearing an ordinary canvas hat can also play a certain protective role. There is no need to buy a bulletproof helmet. A little too much.
On the basis of solving the security problem, let's look at the interest rate. The current interest rate of state-owned banks: one-year 1.75% and three-year 2.75%.
Let's take a look at the interest rate of Zigong Bank I chose. According to the different interest-bearing time:
Pay interest at the rate of 4.25% for 30 days; Pay 90 days' interest at the rate of 4.4%; Pay interest at the rate of 4.6% for 80 days; The interest payment for 30 days is 4.8%.
If you don't think the difference is obvious, we might as well give an example.
Take 654.38+ten thousand yuan as an example. If there are large state-owned banks, the interest rate is 1.75 and the annual interest rate is 1750 yuan.
If there is Zigong Bank, the interest rate is 4.8% and the annual interest is 4,800 yuan. This gap is not small, is it?
Find "bank selection" in the "wealth" column. There are many banks in it. You can look at them one by one. There are deposit products launched by various banks. Let's take Zigong Bank as an example. Click to enter.
You can see all kinds of deposit products inside. If you have a satisfactory product, you must first open an electronic account, which is equivalent to the electronic bank card of Zigong Bank.
This involves the operation of binding a bank card, which means that we need to transfer money to the electronic account of Zigong Bank through this bank card, and then we can use the money in the electronic account to buy the share of each deposit product.
What needs to be noted here is that different banks every day.
Access quotas are different. For example, some banks deposit and withdraw 2,000 yuan a day, and some banks deposit and withdraw 50,000 yuan.
What I chose at that time was to build a bank card by binding, and then transfer 654.38+10,000 yuan into the electronic account twice, and then buy the share twice. The rest is to wait for the dividend day and charge interest.
In fact, I have always believed that there are many unknown things in life, not only financial management, but also brave exploration with preparation, so as to discover more beauty in life.
Related Q&A: Is the interest rate of financial loans in Jingdong high? The interest rate of financial loans in JD.COM is not high. The average daily interest rate is between 0.03% and 0.095%. With good credit, you can get lower interest rates. Many users borrow money on this platform, and the daily interest rate is about four ten thousandths, that is, the loan is 65438+100000, and the daily interest rate is 4 yuan. In this regard, many users have said that it is acceptable. First, JD Finance has launched nearly 10,000 financial products, including white bars, funds, bank wealth management, small coffers, gold bars, joint small white cards and small gold cards, covering wealth management, lending and insurance. Second, JD Finance is a personal financial business product of JD.COM Digital Technology Group, and has become a personal financial decision-making platform selected by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services. Third, JD Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform. At present, nearly 10,000 financial products of nearly 1,000 financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments. Fourth, the wealth management section provides users with many star wealth management products including small treasury, bank selection, regular selection, funds, gold, etc. The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars; The staging section provides users with a large number of authentic big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-stage shopping scene; The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users. 5. Among them, JD Finance has also set up the official store of financial institutions-"Gold Store". In the "gold shop", licensed enterprises, bank account managers, fund managers, insurance brokers and other individuals can display the popular financial products currently on sale, and provide users with pre-purchase reference through live broadcasts, videos, articles and other forms, so that users can make personal financial decisions at a lower cost. Related Q&A: Is the interest of JD Finance higher than Alipay? Why? Jingdong Finance and Alipay have now become two relatively large financial platforms, and there are many kinds of products on consignment. Products cover time deposits, money funds, wealth management, other types of funds, insurance and other wealth management tools. Specific interest or income cannot be directly compared, and there is no comparability. We can only compare the products of the same type horizontally, but this is only an example and not representative. Alipay currently has 870 million users. The number of active people has also reached 600 million. Judging from the customer base and frequency of product use, JD Finance can only be regarded as a rising star. The products on consignment have their own advantages and disadvantages, mainly depending on your usage habits.
Give two simple examples:
1. Yu 'ebao and Jingdong Small Treasury
At present, Yu 'ebao has more than a dozen funds embedded in it. At present, the highest yield is Galaxy Yin Fu Currency A, with an annualized yield of 3.4470% on the 7th and a yield of 2.7 186. The lowest is that the annualized rate of return of Tian Hong Yu 'ebao on the 7th is only 2.6 170%, and the income per ten thousand shares is 0.7 140.
Galaxy Yin Fu Currency A
Tian Hong Yubao
There are two funds embedded in Jingdong Small Treasury, namely Penghua Value-added Treasure and Harvest Live Wallet. At present, the 7-day annualized rate of return of Penghua value-added treasure is 2.8730%, and the 10,000-share income is 2.1395; The 7-day annualized yield of Harvest Live Wallet is 3. 1080%, and the income per ten thousand copies is 0.8275.
Penghua value-added Bao
Jiashi live wallet
Judging from the money funds on consignment, Yu 'ebao has a larger number of funds on consignment in Alipay and a larger fund scale. If the rate of return is simply compared, the highest monetary fund sold by Yu 'ebao is higher than that of Jingdong Small Treasury, but the lowest is also lower than that of Jingdong Small Treasury.
The reason why Jingdong Finance is popular recently is that it underwrites many innovative deposits of Internet banks, such as "Fuminbao" and "Revitalizing Deposits". These bank deposit products with high interest rates and flexible interest-bearing methods have advantages over Alipay in this respect, because Alipay basically has no such products, but it cannot be said that the interest rate of Jingdong Finance is higher than Alipay. There is no such thing.
Simply saying that Alipay's interest rate is high or Jingdong's financial interest rate is high is too general in itself. At least you have to limit the scope, such as comparing similar products, so that it is more meaningful. Otherwise, this is a question that has nothing to do with Guan Yu and Qin Qiong.