Money on hand, no money.
On the road, on the way to financing.
Certificates of deposit have the following advantages:
1, deposit threshold:
The amount of 200,000 yuan has just reached the deposit threshold for certificates of deposit, while the deposit threshold for time deposits is generally 50 yuan or 2,000 yuan. The deposit threshold of certificates of deposit is higher than that of time deposits, mainly because the interest rate of the former is higher. Therefore, in the case of meeting the deposit threshold, it is suggested to choose the deposit method of deposit certificate to obtain higher interest income.
2. deposit interest rate:?
For the same deposit term, the interest rate of certificates of deposit is higher than that of time deposits, so the interest rate of certificates of deposit will be higher. For example, the one-year time deposit interest rate of China Bank is 1.9%, and the one-year large deposit interest rate is 2%, so the one-year time deposit interest rate of China Bank is 200,000 yuan *1= 3,800 yuan; The interest on the certificate of deposit is 200,000 yuan * 2% *1= 4,000 yuan. It can be seen that the interest on certificates of deposit will be higher than that on time deposits.
3. Financial security:
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As certificates of deposit are one of the important sources of assets for banks, commercial banks will take more strict and systematic risk management measures for certificates of deposit, and the safety factor will be higher than that of ordinary time deposits. To sum up, if investors hold 200,000 idle funds and want to deposit them in the bank, it is recommended to choose the deposit method of large deposit certificates. ?