It is less interest rates for 5 years than 3 years!Experts teach you to take care of the "money bag" like this

The longer the deposit time

The lower the interest rate?

In the near future

Some state -owned bank deposit interest rates

The phenomenon of upside down causes heated discussion

01

Phenomenon

The 5 -year interest rate is lower than that of 3 years.

Ms. Wang, who worked in a publishing house in Beijing, has recently expired. However, when she logged in to the ICBC's mobile banking to prepare for the transfer, she found that the interest rate for 5 years was lower than those who deposited 3 years.

Ms. Wang was surprised to say: "The 5 -year interest rate is 2.75%, but 3.15%in 3 years. That is to say, if the deposit is 100,000 yuan, it will deposit 5 years than 3 years and 400 yuan a year. "

According to Ms. Wang, the reporter logged in to the mobile bank of the ICBC to check. Sure enough, in the entire deposit column, the 5 -year deposit interest rate was 0.4%lower than that of 3 years.

Not only ICBC, but the reporter reviewed and found that many state -owned banks have also adjusted the deposit interest rate recently. The 5 -year deposit interest rate and 3 -year period of banks such as Bank of China, Construction Bank, and Agricultural Bank were equal to 3.75%. In addition, similar adjustments have appeared in some joint -stock banks. At the Beijing Beiyuan Road outlets of China Merchants Bank, the lobby manager told reporters that the current three -year and five -year regular deposit interest rate of China Merchants Bank is 2.75 %. The weekly mobile banking will give a certain amount, the three -year deposit interest rate It can float to 3.2 %, customers can also make an appointment at the outlet, and the interest rate can also be adjusted to 3.2 %.

Dong Ximiao, chief researcher at Zhailian Financial, explained to the reporter of "China Consumer Daily":

The deposit interest rate with a short period of time is flat or lower in deposit interest rates with a long period of time. This is the inverted deposit interest rate.

02

Analyze

Internal causes and external causes of inverted interest rates

In Dong Ximiao's view, the inverted deposit interest rate phenomenon has both the reason for the bank itself and the effects and role of many external factors.

From the perspective of internal causes, this is the active behavior of banks to strengthen asset -liability management and optimize interest rate risk management.

Dong Ximiao analyzed that as early as September 2013, the Central Bank (People's Bank of China) promoted the establishment of a market interest rate pricing and self -discipline mechanism to stipulate that the deposit interest rate was up to the floating range in the form of industry self -discipline. In October 2015, the central bank no longer set up the upper limit of deposit interest rates, and the interest rate control was canceled in form. Prior to this, the central bank no longer announced the benchmark interest rate of RMB 5 -year deposit. In other words, bank pricing for 5 -year deposits is more marketable. Therefore, banks can consider more in terms of their own liabilities and liabilities.

Outside, it is mainly affected by the three aspects of factors.

First, the market liquidity this year is relatively abundant, banks are "not bad money";

Second, the financial management department guides banks to reduce deposit interest rates, and then promote the decline in comprehensive financing costs of physical enterprises;

Third, the willingness to save residents is continuously enhanced. The central bank's questionnaire survey in the second quarter of this year showed that 58.3%of the residents tending to "savings" were 3.6 percentage points from the previous quarter.

Liang Si, a researcher at the Bank of China Research Institute:

The 5 -year deposit interest rate is lower than the 3 -year period, which reflects the bank's prediction of the long -term interest rate trend in the future. From the perspective of the overall situation, the interest rate environment may continue to decline in the future, which reduces the driving force of banks to increase long -term interest rates.

03

Support

The deposit also needs to be compared with three houses

The phenomenon of inverted deposit interest rates reflects the bank's research on interest rate trends. So, how can ordinary people take care of the "money bag" in the face of long -term interest rates?

Liang Si said:

Investors can choose a medium and long -term large -scale deposit lock in income, or they can also buy medium and long -term national debt. The benefits of these products will be higher than regular deposits. In particular, the large -scale deposit products also have the "transfer" function, which can take into account both income and liquidity.

The reporter's investigation found that although some state -owned banks have inverted interest rates, the interest rates of different banks have different interest rates.

A number of national banks' 3 -year interest rate and 5 -year interest rate remained consistent;

The 5 -year regular deposit interest rate of banks such as commercial banks such as some cities is still higher than 3 years. For example, a 3 -year regular deposit interest rate of commercial banks in a city is 3.25%, and the 5 -year interest rate is 3.5%.

Industry insiders believe that due to local banks within the three -year term deposit interest rate, there is a limit of upper limit of deposits. In order to attract storeders, a higher five -year deposit interest rate is often set up. In this regard, residents can consider their actual situation and carry out flexible funds.

In addition to deposits, pension wealth management and cash management wealth management products are also a good choice for stable investors. According to data from China Wealth Management Network, as of July 10, a total of 28 pension wealth management products of "registered". Most of these product risk levels are R2 (low). Essence

"Overall, the downward trend of no risk interest rates in my country's market will be a long -term trend." Dong Ximiao suggested that ordinary people should balance the relationship between risks and income. Based on their own risk tolerance, investment and wealth management needs, through short -term, medium -term, and long -term combinations, banks use banks to use banks Deposit, investment wealth management, insurance, trust and other diversified tools, and do a good job of diversified asset allocation.

04

remind

Beware of savings insurance hot spots

As the interest rates upside down, the reporter noticed that some insurance agents also took hot spots on WeChat friends and took the opportunity to sell savings insurance.In the future, interest rates will continue to decline, and you want to find long -term, lock -up financial management methods, the best annuity insurance "and so on.In addition to posted income comparisons, some are even suspended.The Consumer Rights Protection Bureau of the Banking Insurance Regulatory Commission clearly stated in the rational insurance risk prompt issued in April this year:

Consumers should not compare new personal insurance products with financial products such as bank deposits, government bonds, and funds. They should not trust only "high returns" without displaying unfavorable information and promising income.

Produced by Chinese Consumer Newspaper New Media Editorial Department

Source/China Consumer News · China Consumer Network

Reporter/Nie Guochun

Edit/Pei Ying

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