1 and the bank with the highest one-year time deposit interest rate in 2022 is Hebei Bank, with an annual interest rate of 2.25%;

2. The bank with the highest time deposit interest rate in 2022 is the Postal Savings Bank, with an annual interest rate of 3.15%;

3. In 2022, the bank with the highest interest rate for three-year time deposits was Bank of Nanjing, with an annual interest rate of 3.9%;

4. In 2022, the bank with the highest interest rate on five-year time deposits is Jinshang Bank, with an annual interest rate of 4.5%.

The data was collected on June, 2022 12. The above is the bank-related content with the highest time deposit interest rate in 2022.

Can the loan bank check the customer's deposit?

When a bank applies for a loan, if the customer has a deposit in the bank, the bank can generally find out, but the bank can generally not find out whether the customer has a deposit in other banks. However, when banks apply for loans, they generally need customers to provide certain proof of economic income. If the customer provides the loan bank with proof of deposit in other banks, the loan bank will naturally grasp the customer's deposit in other banks. Usually, banks will review the materials provided by customers, and at the same time, they will inquire about the customer's personal credit report to see if there are serious problems in the customer's personal credit. If there are no serious problems, it will finally choose whether to issue loans to customers according to the results of comprehensive evaluation.

What does it mean to lower the savings rate?

The reduction of deposit interest rate means that the interest income generated by investors' funds deposited in banks will decrease. At the same time, with the decrease of deposit interest rate, the annual interest rate of loans will also decrease. Users reduce the handling fee from bank loans, which improves the bank attributes to some extent. When the deposit interest rate is lowered, investors can increase their income by purchasing the following investment and wealth management products:

1. Fixed investment fund: Fixed investment fund refers to investing a certain amount in a specific open-end fund in a certain period of time. Investors can choose to invest in some funds every month to make a profit when the bank deposit interest rate drops;

2. Subscription of convertible bonds: convertible bonds are a kind of bonds issued by listed companies to raise funds from the society, which have the dual characteristics of stocks and bonds. For some stable users, you can subscribe for some convertible bonds, and the income is relatively high, mostly around 10%;

3. Stocks: Although stocks are relatively risky, their returns are also relatively large. In the case of lowering the deposit interest rate, investors can choose to buy some large-cap blue-chip stocks and white horse stocks. In the long run, their returns are relatively rich, which can make capital appreciate to a certain extent.

This article is mainly about the knowledge of the bank with the highest interest rate of time deposit in 2022, and the content is for reference only.