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According to the latest data of the People's Bank of China, personal deposits in banks increased by 1.04 trillion yuan in September and nearly 550 billion yuan in the third quarter, which changed the negative growth of personal deposits in the last quarter.
The first reaction to seeing this news: the limit effect of Yu 'ebao appears.
2065438+ In August 2007, Tian Hong Fund announced that the balance treasure limit was 65438+10,000. Friends who are used to transferring their wages to Yu 'ebao suddenly find that this road is impassable.
As a result, the growth of personal deposits in banks turned from negative to positive in September.
However, can banks sit back and relax? Do I have to go back to the bank if my personal funds are not in Yu 'ebao?
Bank deposits returned in September
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First, the growth of personal deposits in banks may not be sustainable.
In September, personal deposits in banks increased by 1 trillion yuan, but excluding the quarter-end factor, the growth in the whole quarter was only 550 billion yuan, and 1 trillion yuan was a big discount.
Yu 'ebao began to purchase in August. For those who don't pay attention to this kind of news, they didn't know about it until September, and the funds have nowhere to go except in the bank.
Therefore, the growth of personal deposits in banks in September was more due to accidental factors.
And people's financial habits can't be changed overnight.
When you are used to such a good financial product as Yu 'ebao, you will inevitably seek similar or better financial management methods after opening your mind.
Pursuing beautiful things, or from frugality to luxury, from luxury to frugality, is human nature.
When finding a better way to manage money, it is bound to be the time when personal deposits in banks fall again.
Yu 'ebao brings a good financial experience to ordinary people.
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The second question is that Yu 'ebao is limited, but there are many financial management methods like Yu 'ebao, so there is really no need to go back to the bank.
It is still inconvenient to deposit money back in a bank with low interest rate.
The current interest rate is 0.35%, one year 1.75%, and only 3% in five years.
At present, demand is basically equal to no income; On a regular basis, it is not as good as Yu 'ebao's high income, nor as good as Yu 'ebao's spending at any time.
Although the balance treasure is limited now, there are still many similar "baby" products.
There are many money fund products similar to Yu 'ebao.
For example, the small treasury of Jingdong Finance, the change treasure of Suning Finance, the online merchant bank Yu and the WeChat wallet change pass are all money funds.
The yield, safety and convenience are exactly the same as those of Yu 'ebao, but the consumer application scenarios are not so extensive.
If the second best, willing to sacrifice a little convenience, can receive the next day's account, then choose more.
Ant Fortune, JD Finance, Suning Finance, lufax and other big platforms have abundant money funds to buy.
There was an article before, "The income of Yu 'ebao will decline, and I recommend several personal convenient financial management similar to Yu 'ebao" for your reference.
Will your money be deposited in the bank after reading it?