Who knows which one is available now bank Are there large deposit certificates of deposit with an interest rate of more than 3%? Changes in interest rates affect every deposit user heartstrings. In a deposit and financial exchange group, someone asked this, but they received no unstoppable answers. As more and more banks remove long-term large-denomination certificates of deposit, and the impact of factors such as the suspension of manual interest replenishment and the cancellation of automatic transfer function of smart notification deposit products, deposit moving continues. The goal is a more cost-effective financial management market.
According to Puyi Standard statistics , As of the end of June, the scale of bank wealth management continued to reach 28.29 trillion yuan, an increase of about 1.49 trillion yuan from the end of 2023. In mid-June, the scale of bank wealth management once exceeded 29 trillion yuan.
01 The deposit reduction of 2.24 trillion yuan in two months has no lowest, only lower. Since the beginning of this year, banks have lowered deposit interest rates anymore What Rare things have become a routine every month. Even small and medium-sized banks that previously attracted users with high interest rates are no exception. Since June, Guangxi, Henan, Hubei, Guizhou, Heilongjiang 、 Small and medium-sized banks in many places such as Shanxi and Guangdong have adjusted the interest rates for current or fixed deposits. For example, on June 1, Xiping Zhongyuan Rural Bank of Henan Province adjusted the interest rates of 1-year, 2-year, 3-year and 5-year fixed deposits to 1.9%, 2.1%, 2.35% and 2.4% respectively. Among them, the three-year and five-year fixed deposit rates were both lowered by 20 basis points compared with the executed interest rate in April this year, which is the bank's second listing interest rate adjustment this year.
As of the end of December 2023, the balance of deposits in my country's domestic and foreign currencies was 289.91 trillion yuan. Year-on-year Increased 9.6%； The balance of RMB deposits was 284.26 trillion yuan, an increase of 10% year-on-year. Both hit record highs. However, the amount of time the bank lowers the deposit interest rate, the supervision stops manual interest rate replenishment, and requires banks to cancel the notification of the automatic deposit transfer function Action Next, the asset allocation of depositors has changed. In the first five months of this year, RMB deposits increased by 9 trillion yuan, of which household deposits increased by 7.13 trillion yuan. In contrast, RMB deposits increased by 11.24 trillion yuan in the first quarter, of which household deposits increased by 8.56 trillion yuan. The trend of decreasing deposits indicates that invest Those who prefer to choose financial products with higher cost performance.
According to statistics from Puyi Standard, as of the end of May, the scale of bank wealth management products was about 28.98 trillion yuan, an increase of 400 billion yuan to 500 billion yuan from the previous month, and an increase of 2.18 trillion yuan from the end of 2023. Despite being traditional end of season funds Due to the impact of the balance sheet return, at the end of June, the scale of bank wealth management continued to reach 28.29 trillion yuan, an increase of about 1.49 trillion yuan from the end of 2023, and once exceeded 29 trillion yuan in mid-June.
02 Why is bank wealth management so popular this year? In the ten years before 2018, the bank wealth management market developed rapidly, but at the same time it was accompanied by mismatch between assets and maturity, high leverage, fund pools, layered nesting, etc. question , Hidden dangers continue to increase. In 2018, the introduction of new asset management regulations completely changed this situation. By strictly limiting the entry threshold for asset management products and the concentration of investment targets, as well as requiring breaking rigid redemption and market fair value measurement, the entire asset management industry has been promoted to a more market-oriented and standardized direction.
For investors, yields have become one of the key factors that determine their fund allocation choices. According to China News Service, an investor
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