Although the Postal Savings Bank is the sixth largest bank in China, and the rural credit cooperatives are often only small banks at the county level, both of them are not the same in terms of scale and comprehensive strength, but your capital is only 6.5438+0.5 million yuan, and the two banks are the same.
In 20 15, the State Council officially promulgated the deposit insurance regulations, which stipulated that banks should pay premiums to deposit insurance fund management institutions to form deposit insurance funds, and deposit insurance fund management institutions should pay insured deposits to depositors in accordance with the regulations, with a maximum repayment limit of 500,000 yuan. This Law is applicable to deposit-taking banking financial institutions such as commercial banks, rural cooperative banks and rural credit cooperatives established in China.
In other words, within 500,000 yuan, even if the rural credit cooperative goes bankrupt, you can still get 500,000 yuan in compensation. In fact, after the implementation of the deposit insurance regulations, as long as the deposit in China is less than 500 thousand yuan, no matter which bank it is deposited in, the security is the same.
The guiding interest rate of the head office of the Postal Savings Bank in official website does not exceed 30%, and the branches will rise slightly according to the actual situation in various places, but the floating rate will generally not exceed 40%. Even for the large deposit certificates of the Postal Savings Bank, the maximum interest rate for three years is 4. 125% (the benchmark rises by 50%), which is the limit of the Postal Savings Bank. On the one hand, it is the strength of its big banks, on the other hand, it is restricted by the industry interest rate self-discipline association.
Rural credit cooperatives are basically county-level, independent, with high authority, without the restrictions of interest rate self-regulatory associations. In order to compete with big banks, interest rates are often high. Taking Fujian Rural Credit Cooperatives as an example, the one-year interest rate is as high as 3.3%, which is 2. 1% higher than the postal savings bank's 50,000 yuan/.2 percentage points. 1.5 million yuan a year, the income difference can reach 1.800 yuan, so from the income theory alone, there is no doubt that the credit union won the Postal Savings Bank.
For the Postal Savings Bank, 6.5438+0.5 million yuan has not reached the starting point of its large deposit certificate, and it has neither the function of relying on the file to calculate interest nor the function of paying interest on a monthly basis; In local small and medium-sized banks (city commercial banks, rural commercial banks, rural credit cooperatives), many banks have the function of paying interest on a regular basis, and even pay interest on a monthly basis. Therefore, in terms of liquidity alone, rural credit cooperatives are undoubtedly better.
On the premise of consistent security, rural credit cooperatives are higher than postal savings banks in terms of profitability and liquidity. Obviously, it is better to choose rural credit cooperatives, especially at the township level. Rural credit cooperatives have far more outlets than postal savings banks. Compared with the convenience of handling, it is also dominant.
654.38+0.5 million yuan for two years, or the Agricultural Bank of China Credit Cooperative is better.
As one of the five state-owned banks in essence, the interest rate of Postal Savings Bank is not outstanding. Unlike other banks, postal outlets love to sell insurance, and deposits will become insurance if they are not careful.
Domestic regular banks are guaranteed by deposit insurance system, so from the perspective of security, postal services and credit cooperatives are safe within the limit of 500 thousand yuan.
Let's take a look at the deposit rate of the Postal Savings Bank:
Even if local outlets have increased, they are extremely limited.
State-owned banks need at least 200,000 yuan for large deposit certificates. From official website Postal Savings Bank, we can see the interest rate of 20 17 large deposit certificate:
If it is 200,000 yuan, the two-year interest rate can reach 2.94%, but 6.5438+0.5 million yuan is obviously not enough, and the interest rate you can enjoy is only 2.5%.
Unlike state-owned banks, credit cooperatives have much weaker storage capacity, so they will give higher deposit interest rates. Large deposit certificates are often 654.38+10,000 yuan, and there is more room for interest rate increase.
654.38+0.5 million yuan was deposited in the credit union, and the highest interest rate for two years could reach 3.75%, which was significantly higher than that of the Postal Savings Bank.
Since there is no problem with the security of the principal, the focus is on the income. Obviously, credit cooperatives are a better choice. In addition to higher interest rates, many credit cooperatives will also give various gifts to save money, which is more affordable.
Obviously, according to the latest bank deposit interest rate, the two-year interest rate of ordinary time deposit of China Postal Savings Bank is 2.35%, and that of rural credit cooperatives (most of which are upgraded to rural commercial banks) is basically around 2.85%.
Then, if you deposit 6.5438+0.5 million yuan in the bank for two years, it is definitely more cost-effective to choose a rural credit cooperative. There is a simple reason. The deposit rate is a little higher than that of the Postal Savings Bank. Generally, the interest in rural credit cooperatives for two years is about 8,550 yuan, which is more than that in Postal Savings Bank 1500 yuan.
If you go to the bank to deposit money now, you should be able to float more on the benchmark interest rate according to the capital of 6.5438+0.5 million yuan. After all, for small and medium-sized banks like rural credit cooperatives, the pressure of saving money is still quite great.
Anyway, if you are determined to make a choice only in these two banks, I suggest you consider the local rural credit cooperatives. However, if other banks can be considered, private banks are also very good, and the deposit interest rate is much higher than that of the Postal Savings Bank. You just need to download an APP through the Internet channel.
150,000 yuan for two years to personally recommend credit cooperatives! In the case of fixed deposit period, security, income and service become the factors of competition among the three banks. Financial management emphasizes safety first, and state-owned banks are superior to local banks in this respect, that is, Agricultural Bank of China and Postal Savings Bank have certain advantages; In terms of income, rural credit cooperatives are significantly higher than agricultural bank of China and postal savings bank; There is little difference between the three services.
Security: ABC is the most stable.
The strength of state-owned assets is strong, and state-owned banks will not change much in the course of operation. Unless the country has a policy reorganization, merger or division, it will be unshakable security. At present, Agricultural Bank ranks third among domestic banks with assets of 19.6 trillion, Postal Savings Bank ranks sixth with assets of 8.3 trillion, and Chongqing Rural Commercial Bank, the highest rural credit cooperative, ranks 2 1 with assets of only 80,365.438 billion, which is the gap between local banks and state-owned banks.
Profitability: rural credit cooperatives are the highest.
The interest rates of the three banks are different in every place, and individuals can only compare them according to the listed interest rates of the three local bank outlets: the fixed two-year interest rate is 3. 15% for rural credit cooperatives, 2.25% for agricultural banks and 2.25% for postal savings banks; Among the certificates of deposit products, the interest rate of ABC's 500,000 yuan subscription is 3. 108%, and the postal savings office has no two-year certificates of deposit, only one-year and three-year ones.
Service: The three companies have their own characteristics.
The service contains a lot of content. If we want to talk about the type of business, Agricultural Bank of China, as an old state-owned bank, must have a relatively complete business, and it also has a special new product research and development department to innovate products from time to time to attract customer experience; The service quality and attitude of credit cooperatives are the best among the three banks. Its variety is relatively simple, that is, deposit and withdrawal are the main products, and wealth management products have only been newly developed in recent years, so we can only win the favor of customers with services.
If we simply look at ordinary deposits, the rural credit cooperatives are the best, with 6,543.8+0.5 million yuan within the scope of the deposit insurance regulations, so whether it is a state-owned bank or a local bank, it is good to deposit it. Postal savings are relatively moderate, and they are not comparable to Agricultural Bank of China and credit cooperatives in terms of interest rates and services. However, every bank always has its own loyal customers, and it is impossible to kill a bank with a single blow.
It is better to deposit in the rural credit cooperatives for two years150 thousand. Many people may think it would be better to deposit with the Postal Savings Bank, which is one of the large state-owned banks after all. But why is it better to deposit in rural credit cooperatives?
Since it is a time deposit, why not deposit it in a more advanced rural credit cooperative? From the personal experience of going to the bank, the annualized interest rate of rural credit cooperatives is often higher than other banks, and even the annualized interest rate can be higher than 0.5% in the same period. Then the two-year time deposit in the Postal Savings Bank is also two years, and the deposit in the rural credit cooperatives is also two years. Of course, we should choose rural credit cooperatives with higher interest rates.
In fact, the risks of the two banks are the same, neither more nor less. The risks of banks belong to the same level, but there are subtle differences. Rural credit cooperatives can get compensation within 500 thousand even if they go bankrupt, and so can the Postal Savings Bank. Therefore, since the risk coefficient is the same, rural credit cooperatives will be chosen.
Two-year time deposit is not cost-effective in my personal opinion. Why? The annualized interest rate given by most banks is around 3%, and some may reach 3.2%. But is this a good deal? Not cost-effective, the income and flexibility are not as good as those of bank wealth management and money funds with medium and low risks.
Therefore, if you choose between the Postal Savings Bank and the credit union, you can choose the credit union, because the interest of the credit union will be higher and the risks of the two banks will be similar. However, in order to pursue income, you can choose low-risk financial management or money fund, which has high flexibility, high interest and high security.
1.5 million deposit, which bank is suitable for deposit? I think it should be based on two considerations.
The first is security. 10.5 million yuan deposit does not exceed the limit of 500 thousand yuan in the bank deposit insurance system, so no matter which bank you deposit, it is safe, so don't worry about the problem that the bank will not pay.
The second point is profitability. After the marketization of interest rates, banks can raise interest rates independently on the basis of the benchmark interest rate, which is equivalent to the marketization of deposits, and banks are also trying their best to pull deposits. Otherwise, how can there be a saying that a person works in a bank and the whole family pulls deposits? However, the national big banks themselves have great advantages, and the interest rate advantage will not be too high. On the contrary, many local banks or city commercial banks have to raise interest rates to attract deposits in order to gain a firm foothold in the market. So I think local banks will have an advantage.
To sum up, on the basis of ensuring safety, the higher the deposit interest rate, the better. Specifically, look at the policies of local banks.
The maximum compensation limit of the Deposit Insurance Regulations is 500,000, so in terms of security, 654.38+0.5 million is the same whether it exists in the Postal Savings Bank or the rural credit cooperatives. Now you have to choose which bank to deposit, which is to see which deposit interest rate is high.
Postal savings bank belongs to one of the six state-owned commercial banks. According to the general rule, compared with joint-stock banks, city commercial banks, private banks and rural credit cooperatives, the deposit interest rate of state-owned banks is the lowest among all commercial banks, including the Postal Savings Bank. Because of the strength of state-owned banks, loud brands, rich and fast products and settlement, and service outlets all over the country, they have inherent advantages in absorbing deposits, and the cost of funds can naturally be actively controlled. Rural credit cooperatives are local rural financial institutions with weak brand strength, limited service area and weak customer base, and are obviously in a weak position in absorbing deposits. So they can only attract customers and win a place by raising interest rates appropriately.
Among the standard interest rates of the head office announced by the Postal Savings Bank, the interest rates of ordinary two-year time deposits are the same as those of the other five state-owned banks, both of which are 2.25%, which is the same as the benchmark interest rate of the central bank. Near the New Year's Eve, all kinds of funds return to the peak, and banks are also eyeing the opportunity to shoot. Among them, individual branches of the Postal Savings Bank also began to slightly raise the deposit interest rate in an attempt to increase the fund organization. Even so, their interest rate hike is quite limited. For example, for new accounts below 50,000, the increase is 30%, and for new accounts above 50,000, the increase is only 40%, that is, the interest rate is 2.73 and 2.94% in two years. The deposit interest rate of rural credit cooperatives is more flexible, and the floating range is relatively large, and the highest can rise by more than 50%. For example, Fujian Rural Credit Cooperative's two-year fixed deposit rate is as high as 3.75%, and there is no limit on the deposit amount.
We know that even the same bank has different deposit interest rates in different regions, whether it is a big bank or a small bank. For example, the 30% and 40% increase in the two-year interest rate of the Postal Savings Bank is only a special case in some areas, which does not mean that all postal savings banks in the country are in this situation. The standard interest rate of the general head office is 2.25%. In the same way, the interest rate of Fujian Rural Credit Cooperatives is just an example, which does not mean that all rural credit cooperatives are standards. So, don't copy mechanically, do what you say, and make actual comparisons according to your area. . However, from the overall situation of all parts of the country, it is true that the deposit interest rate of rural credit cooperatives is generally higher than that of local postal savings banks. At the same time, under the condition of minimum deposit of 200,000 for state-owned banks, some rural credit cooperatives can also deposit 65,438+10,000, so much the better. Moreover, rural credit cooperatives often send points and gifts to large deposits, which is a welfare that state-owned banks do not have.
1 1.5 million is a small amount of funds, and the allocation of certificates of deposit is insufficient. If you choose the bank deposit type for financial management, you can only choose time deposits and structured deposits. Time deposit products are relatively flexible and can be withdrawn in advance, while structured deposits are not flexible. It is divided into principal guarantee part and uncertain wealth management income part, which is related to market interest rate and exchange rate.
Postal savings bank and rural credit cooperatives are both popular financial banking institutions in small places, and both have banking qualifications. Interest rate fluctuations vary little according to personal preferences. Risk control is also at the bank level. If you make savings in the postal service, you should be wary of turning deposits into financial insurance. Postal service especially likes to help insurance companies sell financial insurance.
The Regulations on Deposit Insurance issued by the State Council clearly stipulates that deposit insurance shall be paid in a limited amount, with a maximum payment limit of RMB 500,000. If the total amount of funds calculated by the same depositor in all insured deposit accounts of the same insurance institution is within the maximum repayment limit, full repayment will be implemented; Subject150,000 yuan is deposited for 2 years, and it is certain that the sum of principal and interest is within the maximum repayment range, so the security of depositing it in any bank is the same. At this time, of course, which bank gives high interest will be deposited in which bank. Postal savings and rural credit cooperatives, whoever gives high interest rates, will save.
Deposit in China Agricultural Bank.
Because the Agricultural Bank of China is one of the four state-owned banks, with branches all over the country and strong strength, the boss is People's Republic of China (PRC), there is no risk in deposits, and its subordinate business outlets are all USW!