2. Taking the behavior of Mongolian commercial banks as an example, it can be queried through China Merchants Bank's mobile banking, which can be downloaded by all major mobile application stores. Specific query methods are as follows:
1. After opening the mobile phone of Shang Meng Bank, click the symbol in the red box at the top of the page below.
2. Then select the "Bank Inquiry" option.
3. Then enter the bank card number to be queried.
4. In this way, the bank number of the bank card can be found.
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Shang Meng Bank is jointly funded by Deposit Insurance Fund Management Company, China Construction Bank, Shang Hui Bank, Finance Department of Inner Mongolia Autonomous Region, Baotou Finance Bureau and some powerful state-owned enterprises. The bank is located in a city commercial bank, and its business scope is limited to Inner Mongolia, mainly serving the economic and social development of Inner Mongolia.
On April 10, 2020, Huang Xiaolong, deputy director of the Financial Stability Bureau of the People's Bank of China, introduced that the reform and restructuring of Baoshang Bank was progressing smoothly and orderly. According to the principle of marketization and rule of law, it is planned to set up a new bank, Shang Meng Bank, to acquire all assets, liabilities, business and personnel of Baoshang Bank in Inner Mongolia Autonomous Region.
Current situation of bank deposit interest rate in China
20 19, 10, the interest rate of bank time deposits continued to fall sharply, and the decline was more than that in previous months. Since 20 19, liquidity in the banking system has been relatively abundant, and the market interest rate has continued to fall, which makes the time deposit interest rate continue to fall.
1. The data shows that the three-month average interest rate is 1.44 1%, the six-month average interest rate is 1.695%, 1.986%, and the two-year average interest rate is 2.665438+.
2. Among all kinds of banks, in June 5438+ 10, rural commercial banks ranked first, city commercial banks ranked second, large state-owned banks ranked third, and joint-stock banks continued to be at the bottom. There is little difference in the interest rates of some time deposits between state-owned banks and city commercial banks, and the average interest rate of two-year deposits is even higher than that of city commercial banks.
3. At present, the benchmark interest rates for one-year, two-year and three-year bank deposits are 1.5%, 2. 1% and 2.75% respectively, and the major banks basically implement the benchmark interest rates; The deposit interest of small and medium-sized banks has basically gone up. Generally, the interest rate of 3-5-year time deposits is around 3% to 3.5%.
Generally speaking, the deposit interest rate of small and medium-sized banks will be higher than that of big banks. Because there are enough outlets in large banks, the ability to absorb public and private savings is stronger and the cost is lower, while the ability of small and medium-sized banks, especially city commercial banks, to absorb public and private savings is weak, so they can only attract funds through higher interest rates.