1, Industrial and Commercial Bank of China
China Industrial and Commercial Bank is called "Cosmic Bank", mainly because it has the highest market value, the highest customer deposits and the highest annual profit among all banks in the world. This bank has a very high reputation at home and abroad, which has a great influence on China's economy.
Because of its huge assets, there is no need to worry about the bankruptcy of China Industrial and Commercial Bank. At the same time, because our country holds 69.7% of the shares of China Industrial and Commercial Bank, and the number of employees has reached 460,000, we don't need to worry about losing all our money.
2. China Construction Bank
China Construction Bank mainly served the infrastructure in China in its early days, so it has a very strong position in China. At present, China Construction Bank ranks third in the world, and has established its own branches all over the world, including credit card, loan, wealth management and other businesses.
In 2022, Forbes published the Global Top 2000 Enterprises, and China Construction Bank ranked fifth. China Construction Bank is one of the safest banks in China, because it has very rich assets and belongs to state-owned enterprises in China.
3. Bank of China
China Bank is the earliest bank established in China, and has been operating in China for over 100 years. This bank plays a very important role in China's economic and financial system, and has opened more than 200 financial institutions in more than 40 countries around the world.
With the gradual development of China's economy, the scale of China Bank is also gradually expanding. At present, the state holds 69.3% of the shares of Bank of China. As a financial symbol of a country, there is no need to worry about the bankruptcy of this bank.
Generally speaking, these three banks are relatively safe in China, and the interest rates of banks with higher security will be relatively low. If you want to find a bank with high interest rate, you need to learn how to choose a bank.
Second, banks should also be chosen for deposits. Generally, the state-owned banks in China will not offer higher interest rates to depositors because they have sufficient funds. Township banks and private banks need to attract more depositors through higher interest rates because of their small amount of funds. This makes many depositors who pursue high interest rates choose private banks and township banks for time deposits in order to get more interest.
However, it should be noted that any wealth management product is risky, and so is the bank. Although the interest rate of small banks is high, it is easy to close down once the capital chain breaks. Although our deposits can still be withdrawn after the bankruptcy of the bank, our property can only be withdrawn after the bankruptcy liquidation of the bank, which has added some trouble to us.