Is the bank deposit certificate safe?

Theoretically, it is risky, but the risk is very low, which basically belongs to the risk-free expected annualized income product.

The risk coefficient of bank wealth management products is divided into five grades, I (low), II (medium low), III (medium high), IV (medium high) and V (high). The first kind of low-risk type refers to the extremely low probability that the historical expected annualized rate of return of such products cannot be realized, which is similar to the risk of large deposit certificates.

Large deposit certificates bear the credit of banks and are included in the deposit insurance system. Therefore, conservative investors can choose certificates of deposit as investment tools.

Extended data:

The difference between certificates of deposit and time deposits;

1, the income is different. From the perspective of income, the income of large deposit certificates is higher than that of time deposits, but the risks are almost the same.

2. Different liquidity. In terms of liquidity, certificates of deposit are more liquid and can be transferred, withdrawn in advance and redeemed.

3. The quota is different. Generally, the amount of large deposit certificates is higher than that of time deposits, and basically each large deposit certificate has a certain limit.

References:

Certificate of Deposit: Transferable "Deposit"-People's Network

Large certificates of deposit, safe-haven citizens have more choices-People's Daily Online