The annual interest rate of time deposit is 5.25%, but no one saves it. Bank employees complain: What are depositors thinking?

As the saying goes, "Don't panic when you have food in your hand". For us ordinary people, saving money is a top priority. After all, in today's society, whether you want to get married, buy a house or buy a car, you need a lot of money. In order to achieve these "goals", it is inevitable to save money in daily life. Where should the money be? Some people exist at home, but it has to be said that the security is relatively low. As the saying goes, "if you are not afraid of thieves stealing, you are afraid of thieves thinking." It is precisely because of this that most people will choose to deposit their money in the bank, which is safe and can earn interest, so the bank has gradually become the first choice for ordinary people to save.

As we all know, there are many products in the bank, some of which are guaranteed income, such as deposit products, and some of which are not guaranteed income, such as wealth management products and bonds. However, if we want to say what kind of products are most popular with depositors, it is undoubtedly a product that guarantees capital preservation and income, that is, deposit products. Which deposit product has the largest number of people? We should know that bank deposit products can be roughly divided into demand savings, time deposits, certificates of deposit, government bonds and so on. There is no doubt that time deposits have the largest number of depositors. After all, it certainly has its natural advantages, that is, the deposit threshold is low, the deposit period ranges from three months to five years, the depositor's selectivity is high, and the interest rate will not be too low. Because of this, it is normal to be liked by depositors.

However, according to the staff of the bank, the annual interest rate of a bank's time deposit has reached 5.25%, but few people deposit it. Why? Don't savers like high interest rates now? It's incredible. Even bank employees find it difficult to understand. They don't know what depositors are thinking and want. They don't even keep products at this interest rate. Let's analyze it together.

The annual interest rate can reach 5.25%. Is this high? I can tell you without hesitation that this is already very high, at least at this stage, it may already belong to the "ceiling" interest rate level. It is necessary to know that the bank with the largest number of depositors in China is a state-owned bank. How much can the interest rate of state-owned banks reach? As far as I know, the highest interest rate among time deposits is three-year time deposits, with an interest rate of about 3.85%, and the highest interest rate among large deposit certificates is three-year time deposit certificates, with an interest rate of 3.9875%, which is already the highest level of state-owned banks.

There are many banks in China. If the interest rate is ranked, state-owned banks should be the lowest, and the highest should be private banks or rural credit cooperatives. Generally speaking, the interest rate of state-owned banks will rise by 30%-40% on the benchmark interest rate, while the floating rate of private banks or rural credit cooperatives varies, some can reach 50%, some can reach 70%, or even higher. Generally speaking, the annual interest rate can reach 5.

According to the existing law of bank time deposit, the higher the interest rate of time deposit, the longer the deposit period. In fact, it is well understood that banks offer high interest rates to attract depositors to save. Naturally, they want depositors to save as long as possible. Because of this, I personally think that the interest rate of time deposit mentioned in the title can reach 5.25%, which may be a five-year time deposit, which has never been accepted by depositors. After all, the shelf life is too long. In this changeable era, many things can happen in five years. If money is badly needed during the deposit period, it can only be withdrawn in advance, and the price of early withdrawal is that the interest rate can only be calculated according to the current savings rate, and the losses of depositors will be very large. Therefore, although there are many people who keep a fixed deposit, there are very few people who keep a fixed deposit for five years.

In addition to the long shelf life, safety may also be a problem that many people consider. If the fixed deposit rate of state-owned banks has reached 5.25%, there will still be many depositors. After all, depositors trust state-owned banks, while relatively small banks, such as private banks and rural credit cooperatives, have low trust in such banks. And although the income is increasing now, it is still very difficult to save a sum of money. No one will risk their hard-earned savings for high interest rates.

For depositors, the favorite products are naturally short term, high interest rate and low threshold, but there are almost no such products on the market, followed by products with high interest rate and high safety, but they are also difficult. For example, this kind of five-year time deposit issued by small banks, despite its high interest rate, is not favored by depositors in terms of liquidity and safety, and fewer people deposit naturally, but as the saying goes, ".