There are many sources of income for banks, but the main source of income is the difference between deposits and loans. The central bank announced that the benchmark interest rates for LPR one-year loans were 3.855% and 4.65%. Even if the bank benchmark interest rate rises, the final loan interest rate will not exceed 7%, mostly between 5% and 6%. The bank deposit is 6,543,800 yuan, which is up to 3% according to the current bank time deposit interest rate. 1 year deposit 1 ten thousand yuan, with the highest interest of 300 yuan. Lend out the extra 1 000 yuan. If the highest loan interest rate is 7%, the annual income will only be 700 yuan. Judging from the interest paid to customers in 300 yuan, the bank's annual income is only 400 yuan. At present, the price of an electric car will exceed that of 400 yuan, and the price of more electric cars will exceed 1000 yuan. Obviously, banks can't gain income by the difference between deposits and loans, but will lose money.

Banks have a wide range of business, including deposits, sales of wealth management products, funds, insurance products, and even some banks' wealth management counters can invest in futures. These products are more likely to be wealth management products, funds and insurance that banks sell or sell on a commission basis. Banks have two kinds of wealth management products, one is self-sale and the other is consignment. However, as far as the current market situation is concerned, the yield of low-risk wealth management products can not reach more than 10%, and it is impossible to send electric vehicles. Because of high risk, high-risk wealth management products may lose money. Banks cannot use deposits as an excuse for depositors to buy.

For many savers, they naturally want to be a lucky dog and get an electric car. After all, they can get an electric car for free, but they can also use it often, which is really tempting. However, banks generally do not lose money. To get such an electric car, you need to meet certain conditions. Generally speaking, there are two situations. One is that the deposit is large and the term is long enough to get an electric car. Generally, depositors are required to deposit at least 300,000 yuan for three years at a time to get an electric car. In this case, for banks, investing some money can keep depositors, and banks can also use depositors' money as a loan business to get more income, far exceeding the value of electric vehicles.

Therefore, giving away electric cars is more of a marketing tool, which brings a lot of money to banks and locks in customers at the same time, killing two birds with one stone. Electric vehicles are more used to guide insurance financial business. For banks, the income generated by insurance financing is considerable. But for many depositors who come to the bank to save money, they are reluctant to buy insurance wealth management products. Because it is investment-oriented and risky, insurance wealth management products are much more difficult to sell than bank deposits. Banks also need these products as their own source of profit, so according to the characteristics of human nature, they have played the slogan of saving 10 thousand to send electric cars.