The interest rate of the medium and long -term deposit of commercial banks is upside down?What time is the longer the interest rate?

On the banking market, basically everyone will be familiar with a trend. This is the longer the deposit period of bank deposits. Recently, there have been inverted bank deposits. Some banks have basically the same interest rates and 5 -year interest rates. Even 3 -year interest rates are higher than 5 years. How can the deposit interest rate be inverted? Why is the longer the money and the lower the interest rate?

1. The long -term deposit of commercial banks is upside down?

According to the Securities Times report, recently, commercial banks including Industrial and Commercial Bank of China, Construction Bank, China Merchants Bank, etc. have appeared in the phenomenon of almost consistent with the 3 -year deposit interest rate and 5 -year deposit interest rate. Some bank deposits even have "inverted". For example, the 3 -year and 5 -year term deposit rate of CCB is 2.75%, and the three -year fixed deposit reaches 50,000 yuan to rise to 3.15%; the highest interest rate of the 3 -year deposit of Bank of China is 3.15%, and the 5 -year period The highest interest rate of regular deposits is 2.75%.

Generally speaking, banks obtain income through business methods such as "short -term longing", and the premium at the time limit of the deposit terminal is also the cost of the bank in ensuring the period conversion function. Therefore, banks with strong liquidity management capabilities are usually willing to bear a smaller deposit period premium.

According to the Huaxia Times survey, "interest rates are declining, and they are not encouraged to save five years now." A customer manager of Construction Bank introduced to this reporter that the bank's amount of more than 10,000, three -year regular deposit interest rates of 3.15%, and interest rates after five years of floating interest rates. It is 3.05%.

At present, in the five major banks, the Bank of Communications alone has not had upside down. A client manager of the bank introduced to the reporter of Huaxia Times that the three -year and five -year deposit interest rates were 2.8%. However, if it is transferred to foreign funds, the maximum energy of more than 50,000 or more amounts to three years is 3.4%, and the five years are 3.45%.

Second, why is the longer the more interest rates?

We see that the current long -term deposit interest rate is upside -down, and many people will be surprised to say what is going on. Why is the bank's abnormal state, but it makes long -term deposits more and more valuable?

First of all, we must understand why commercial banks have given a high level of interest rates to long -term deposits? Because under normal circumstances, banks actually have a lot of pressure on absorbing deposits. For a long time, commercial banks in China are easier to lend, but it is relatively difficult to absorb deposits. In particular, competition in the banking industry is more intense. At that time, the pressure of banks to absorb deposits was actually very large, so in order to allow the storeders to deposit more money into the bank, commercial banks often choose a strategy. This is the longer the deposit time. The higher your interest, the more commonly used commercial banks. This is why Chinese bank users are often familiar with a thinking trend. This is the longer the time I save. The higher your bank should give me a higher interest.

Secondly, the reason why the current bank has a normal and long -term deposit interest rate upside down. In fact, commercial banks gradually believe that the interest rate level of the entire market in the future will show a longer time, the lower the interest rate level. This is also a commercial bank. A expected judgment on the entire market interest rate level. Commercial banks believe that from the perspective of long -term market development, market capital will continue to relax, so under such a big background, commercial banks are not willing to give long -term deposits at a relatively high level of interest. The way to allow everyone to deposit some short -term deposits as much as possible, so as to reduce the cost of deposit in the long run, this is the biggest purpose of commercial banks.

Third, since commercial banks have such a market judgment, we must have a deep understanding. This is that the capital chain of the future market may become more and more loose. In such a big background, everyone must have to be everyone. If you invest in wealth management, bank deposits are undoubtedly a good choice. Often, you need to find some products with higher interest rates and higher overall yields among many wealth management products to make a fool -style deposit model before investing in banks. No longer adapt to the current market. Therefore, we still have to further observe the current trend of the entire wealth management market. Finding the fundamental logic of the market behind commercial banks is the most important thing we need to know.

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