Introduce large deposit certificates of banks

If people with little spare money deposit in the bank, they can only apply for time deposit. If you have more money, you can handle the large deposit certificate business. However, some people say that certificates of deposit are risky. So, is the certificate of deposit really dangerous? Is it reliable to deposit money in the Postal Savings Bank? Bian Xiao will give you an answer to these two questions!

First, Bian Xiao explained the concept of certificates of deposit. The term "deposit certificates" as mentioned in these Measures refers to the large deposit certificates issued by banking deposit financial institutions for individuals, non-financial enterprises, government organizations and so on. Conceptually, we can know that this is a bank's business, which is formal and reliable, so it is not dangerous.

However, it should be noted that the initial amount of certificates of deposit is relatively large. From the starting point amount, the starting point amount of personal time deposit certificate is 200,000 yuan, an increase of 654,380,000 yuan, and interest will accrue from the date of purchase; The initial amount of enterprise time deposit certificate is100000 yuan, increasing by100000 yuan. In other words, it is really worrying to invest so much.

Some people worry that certificates of deposit are dangerous, which is actually a misunderstanding. Yes, CDs are risky. After all, the initial amount is so large that even the bank's business may lose money. However, from the probability point of view, the large deposit certificate business launched by banks is not dangerous and the risk is relatively small.

It is reported that the Postal Savings Bank also has a large deposit certificate business. Although the Postal Savings Bank does not belong to the four major banks, it is also very reliable. China Postal Savings Bank can be traced back to the postal savings business started in 19 19. It is one of the six largest banks in China with a history of one hundred years. China Postal Savings Bank is a leading large-scale retail commercial bank in China, aiming at serving the community, small and medium-sized enterprises and agriculture, rural areas and farmers, and devoting itself to serving the most dynamic customer groups in China's economic transformation.