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Is the Happy Deposit Certificate of Guangdong Nanyue Bank risky?
This financial risk is definitely there.

A happy deposit is a deposit. "Happiness deposit" is a characteristic time deposit product with one-time deposit, timely interest settlement, profitability and liquidity. The initial deposit amount is 6,543,800 yuan, and the product term is one year, two years, three years, four years and five years. Product features: interest is withdrawn on schedule, smart deposit is transferred to deposit, automatic settlement at maturity, easy calculation of interest, free withdrawal of principal, easier reading of certificates of deposit and free transfer of income. Investors can handle it through bank outlets or consult bank staff.

Guangdong Nanyue Bank was established in 1998 1. It was originally Zhanjiang City Commercial Bank and was renamed Guangdong Nanyue Bank with the approval of China Banking Regulatory Commission in September, 201. After more than 20 years of practice, it has developed into a city commercial bank with strong market competitiveness and brand influence. Since 20 17, it has been ranked among the top 500 global banks published by British Banker magazine for five consecutive years, with assets exceeding 200 billion yuan. At the end of 20021,the registered capital of Guangdong Nanyue Bank was 654.38+09.377 billion yuan, ranking sixth among the national city commercial banks. Guangdong Cai Yue Investment Holding Co., Ltd., the controlling shareholder, is a large financial holding enterprise directly under the Guangdong provincial government. It has formed a comprehensive financial service system with trust financing, asset management, financing guarantee and fund investment as the leading factors, covering commercial banks, financial leasing, cross-border finance, financial technology, industrial management and other fields.