Saving money is our living habit. If we don't have some deposits in an emergency, it will become a very difficult thing, which will lead everyone to hold that if something happens, we must have some deposits, and we will save the money, usually in the bank.

Before that, all our savings were deposited in rural credit cooperatives and postal savings banks, especially in rural areas. Because in rural areas, most of his banks only have rural credit cooperatives and postal savings banks, so they can only be deposited there. Once they become habits, they are a little hard to change.

1. Because most people think that deposits are risk-free events. As long as you save money (not buy wealth management), all banks are the same in everyone's eyes. The six state-owned banks are no better than village banks, and the interest of village banks can be higher.

2. Because most people think that the country has a bottom when the bank is in trouble. For example, the bankruptcy of global banks rarely happens in China. Even if it happens like a contractor bank, the state is still in charge, giving people the illusion that the banking system is endorsed by the state. Some people even think that the bank's wealth management products are safe (after all, all the previous explosions were high-yield P2P, and 3%-4% of bank wealth management looks quite safe)

3. Because some local depositors want to deposit their money in the village bank (this article is supplemented by the comment area). First, due to the location restrictions of towns and villages, the six major bank outlets in towns and villages are not popular enough, and it may take dozens of kilometers to save money. Second, village banks have cooperative relations with many local units, and the salary card directly opens the village bank card. So everyone is too lazy to change banks, because they see the first one above.