Bank deposit and lending rates again stressed Yantai people queuing up to the early morning of

Re-adjustment of the central bank's benchmark interest rates for deposits and loans in RMB, demand deposits down for the first time in five years, Hor Namhong Street in the city, and other cities in the north of the city roads, a number of banks had to be from a long row team. Public Junu:shi said: "that came after media reports to depositors, after all, 10,000 a year money to a lot of bad money?" This is the sixth meeting of central bank interest rate increase this year, the public is happy to trouble, members of the public asked: "Always to the bank depositors to queue up to get the increase after interest rates. why not for the banks depositors Zidongzhuaicun?"

Taiwan branch of the China Everbright Bank financial Phoenix when, in answer to this question, said: Based on the March 1, 1993 from the implementation of the "savings Management Ordinance," the outstanding regular savings deposits, all paid in advance, paid by listed on the Notice of demand savings deposit rate of interest paid. In other words, the deposit interest rate increase after all there is a "transfer of critical point", over this critical point, commercial banks if all deposits with interest rate adjustments Zidongzhuaicun, some depositors may be prejudicial to the interests. In addition, the current banking system does not have the policy to depositors, the banks will not easily give depositors to keep their own.

ICBC financial management division, said those remarks, depositors in interest rates should increase the impact of the financial market, it is necessary to understand more financial knowledge to a detailed count. For example: depositors must understand "to keep critical point", to the early withdrawal of time deposits, may lose interest, but lose more than they gain. Mr Lau suggested that depositors can be obtained through a number of techniques to increase interest rates on earnings, the reduction in interest rates in the demand deposits, depositors should be sufficient to stay in the lives of liquidity, appropriate increase the proportion of regular savings.

For example: in the interest rate increase is expected next year still exist, depositors a "ladder savings" more reasonable. Plan to depositors of 30,000 yuan regularly as an example, depositors can be one-year, 2-year, 3-year-deposit 10,000 yuan. After one year, will expire 10,000 yuan to keep the three-year, and so, after three years, all holders of certificates of deposit for the three-year period, the age of maturity is different, followed by a difference of one year. Mr Lau said that this approach can help people cope with the continuous change in the rate of the central bank policy, and a higher income. wholesale pearlwholesale necklace