Trap 2, fund-based financial management, funds and stocks are similar in type, with ups and downs, but the funds are put in the hands of others to help you manage your finances.
Trap three, the wealth management products in the bank, although he is talking about the products of the bank, will not make money in the short term. Generally linked to insurance.
Deposit certificates refer to large deposit certificates issued by banking deposit financial institutions for individuals, non-financial enterprises, government organizations and so on. Different from ordinary certificates of deposit, large certificates of deposit can be transferred in advance, with a term of not less than 7 days, a high investment threshold and an integer amount.
China's certificates of deposit were officially launched on June 5, 20 15, and denominated in RMB. As a general deposit, the interest rate of certificates of deposit is higher than that of time deposits of the same term. Most of them rise by 40% on the basis of the benchmark interest rate, a few banks rise by 45%, and time deposits generally rise by about 30% at the highest.
From the international experience, in the process of marketization of deposit interest rate, many countries are used to issuing certificates of deposit as an important means to promote reform.
According to China's situation, in recent years, with the acceleration of interest rate marketization reform, the interest rate control except deposits has been fully liberalized, and the upper limit of the floating range of deposit interest rates has been expanded to 1.5 times of the benchmark interest rate. The independent pricing ability of financial institutions has been significantly improved, and the hierarchical and orderly deposit pricing pattern of differentiated competition has basically taken shape. At the same time, the rapid development of the interbank deposit certificate market has laid a solid foundation for the introduction of large deposit certificates for enterprises and individuals. At present, the conditions and opportunities for issuing certificates of deposit are ripe.
The introduction of certificates of deposit is conducive to expanding the market-oriented pricing range of debt products in an orderly manner and improving the market-oriented interest rate formation mechanism; It is also conducive to further training the independent pricing ability of financial institutions, cultivating the market-oriented pricing concept of retail market participants such as enterprises and individuals, and making useful explorations and accumulating valuable experience for continuing to promote the marketization of deposit interest rates.
At the same time, it is also of positive significance to gradually replace high-interest debt products such as wealth management with standardized and market-oriented certificates of deposit, which will also promote the reduction of social financing costs. In view of this, the People's Bank of China decided to launch certificates of deposit products on June 5, 1965, and formulated the Interim Measures for the Administration of Certificates of Deposit.
Taking China Construction Bank as an example, the interest rates of certificates of deposit all rose by 40% on the basis of the benchmark interest rate. The product term was three months, six months, nine months, 1 year, 18 months, two years and three years, and the interest rates were 1.54% and1.82 respectively.
From the starting point amount, the starting point amount of personal time deposit certificate is 200,000 yuan, an increase of 654,380,000 yuan, and interest will accrue from the date of purchase; The initial amount of enterprise time deposit certificate is100000 yuan, increasing by100000 yuan.