Ji'nan's six banks have cut interest rates after the highest interest rate cut.
source: the Ji'nan times
"a customer yesterday turned five deposits to the rural credit cooperatives in one day, because the bank deposit rate of his original deposit was lower than the agricultural credit cooperatives." On the 11 day of a staff member of the seven road network, the Bank of the rural cooperative bank told reporters, "there are several customers to consult the deposit rate every day. The bank's deposit interest rate has been changed several times. The contents of the electronic display screen have not yet been changed. At present, the central bank provides the upper limit of the deposit interest rate. All The resident deposits are 1.1 times the benchmark interest rate.
after five big state-owned banks, Qilu bank and Bank of Qingdao floating on the first day of interest rate reduction, the 9 day -11 day, all national joint-stock banks, city commercial banks, rural credit cooperatives are not willing to lag behind, the deposit interest rates have been raised, the "storage war" between banks is being quietly staged.
, including Qilu bank, Bank of Qingdao, Lafeng rural cooperative bank, Hengfeng bank, Rizhao bank, laishang bank, ten thousand yuan for five years, interest rate is higher than ICBC, agricultural bank, Bank of China, construction bank, traffic bank 255 yuan
Ji'nan six bank deposit rate "one floating to top"
after the central bank downgraded the benchmark interest rate of RMB deposit and loan in financial institutions, the reporter visited many banks in Qingdao to know that only Qilu Bank of Qilu bank and Ji'nan Bank of Qingdao bank have 1.1 times the basic interest rate of the central bank according to the upper limit of the central bank deposit interest rate.
11 days, the reporter visited the Bank of China again, including the Bank of Qilu and the Bank of Qingdao. At present, Ji'nan has increased the rate of the term deposit rate "one to the top" to six, and the other four are the run - Feng rural cooperative bank, the Hengfeng bank, the Japanese bank and the laishang bank.
Mr. Zhang in Qilu Bank of Qilu said that before the deposit was deposited in a large state bank, a small bank was rarely considered. After the interest rate reduction, the bank could carry out the floating interest rate, and the interest rate of the small banks was much higher than that of the large banks. Mr. Zhang gave the reporter an account. He was ready to deposit 10 thousand yuan for five years. If the rate of interest rate of the five - year deposit rate of the six "most high interest banks", such as Qilu bank, was calculated by 5.61%, the interest rate would be 2805 yuan in five years. At present, the five major banks, such as labor, agriculture, China, construction and exchange, only float against the one year deposit rate, and the deposit interest rate of two to five years is still 5.1% of the benchmark interest rate. In this way, the interest earned by Mr. Zhang in Qilu bank is 255 yuan more than that of the large bank. "For the five year deposit interest rate, if we choose high interest banks, the interest rate of deposit is higher than that of general financial products." When interviewed by a number of banks, many of the people who handled the deposit move said.
joint-stock banks have raised deposit interest rate
8 days' visit, and found that all national joint-stock banks carried out the benchmark interest rate on the first day of the central bank's interest rate reduction, and did not even know the new policy of the deposit interest rate.
11 days, the reporter visited again to understand that almost all of the joint-stock banks within one year (three months, six months, one year) have all floating up, and the overall increase of each bank can be divided into two cases. One situation is deep development, Xingye Bank, Huaxia Bank, Guangzhou Development Bank and so on. In one year, the deposit interest rate rises to 1.1 times the upper limit standard stipulated by the central bank, such as the one-year deposit rate floating from the benchmark rate of 3.25% to 3.575%.
another situation is the same as the five major state-owned banks, such as Everbright Bank, China Merchants Bank, CITIC Bank, Minsheng Bank and so on. The interest rate of one year period of deposit rises to the interest rate before the central bank cut interest rates, such as the one-year deposit interest rate rises to 3.5%. However, the two -, three -, and five - year deposit rates still do not go up.
reporter in the deep development of the seven Road Branch Advisory financial products, the staff suggested that the reporter reelect a one-year deposit, "the central bank may also reduce interest rates, the yield of financial products follow the benchmark interest rate, the yield volatility may be relatively large. It is better to choose deposit when the current one year deposit rate is high, and the interest rate is not affected during the period of deposit, and the income is better than the financial product.