How many banks have a large amount of deposit?What should I do if I can't even buy the deposit?

Recently, various commercial banks can be described as lively. In addition to everyone said that in advance and the interest rate reduction, there are also large amounts of deposit deposit. Many people are asking that they can not even buy large deposit orders now. How should we wealth management?

1. Multiple banks in large bank deposits are urgent?

According to the Beijing News, "Our trip has made it clear that this year will not be sold for large -scale deposit products this year." The popularity is extremely high, so the scale of the bank's large -scale deposit orders has reached the upper limit of regulatory requirements.

The Beijing News Shell Financial reporter also learned from multiple banks that the current large -deposit quota is generally urgent. Although some banks have a large amount, they are not much, but not many. Whether customers can buy them must "touch their luck" and "fight hard". Not only that, the interest rate of ordinary bank deposits has declined at the same time, and some joint -stock banks have reduced deposit interest rates from a month ago. Another joint -stock bank said that interest rates will continue to decline.

The Beijing News reporter learned that many banks such as ICBC and CCB have not been issued without large deposit deposit products. Although some banks will still distribute a large -scale deposit product with some periods, the amount is very small.

"Although there are still large deposits in our bank, basically customers can't grab it, and there is no difference with." Relevant sources related to a certain branch of a certain branch of Agricultural Bank of Beijing told the Beijing News that the bank will issue a large amount of deposit quota every day. , But it is often the quota of all customers in the country to grab no more than 3 million yuan.

The relevant staff of the Bank of China said that the bank will distribute some large -deposit products on Tuesday and Friday, but customers buy "to rely on grabbing". A staff member of Everbright Bank also said that although the bank issued a large amount of large deposit orders every morning, because the bank is very small, the customer needs to "touch the luck."

Second, I ca n’t even buy the deposit.

We have seen that the large -scale deposit bills of many commercial banks have emerged, and many people will be surprised. Why do commercial banks' large deposit orders present this phenomenon, and what should we think of it?

First of all, it is normal for commercial banks' large -deposit quota quota to rush. This is actually the inevitable result of tremendous changes in market supply and demand. We need to look at the current market change. From the perspective of market supply, the current entireity of the entire market supply. The market is actually in a state of interest rate decline. We see that major commercial banks have decreased their interest rates to varying degrees. Among this state of interest rates, for various commercial banks, they are trying to do everything. Reducing your own cost, and a large amount of deposit is a relatively high -cost product, so the bank controls the large amount, and it is also normal. From the perspective of market demand, because the current high -value income is relatively stable, there are fewer and fewer investment products, so often users and investors hope to buy more stable products. Large deposit orders are undoubtedly a better one. Selection, now on the entire market, large deposit orders have become fragrant, so the demand for the entire market is very huge, the supply is insufficient, and the ultimate result of the huge demand is that it is easy to be robbed.

Secondly, in the process of market development, we can clearly see that the reduction of the current large deposit orders represents that the entire market is changing to a low interest rate. Not only is the low interest rateization of deposit products, but the entire financial management The low interest rate of the market and the reduction of overall income levels will become the biggest trend of the market. This is actually the inevitable result of the relatively loose market. For the current market, in the case of such interest rate conditions, the interest rate conditions are loose conditions. The market is actually helping consumption and not conducive to deposit. The revenue obtained by everyone's savings will become lower and lower, which may be a big problem facing market development.

Third, for our ordinary people, everyone may have to learn how to improve their profits level. This requires us to find products that suits them from the perspective of the fact. With its income level and the duration of the duration, choosing the wealth management product that suits them best. This may be that each of us must learn from what we must learn, the way of buying wealth management does not need to think about it. It has become increasingly not suitable for the needs of the current market.

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