After the deposit deposit can also use the interest rate hike, many citizens aim at the regular deposits, and they have taken out the regular deposits that have just been deposited, deposited in the adjusted interest rates to obtain higher interest benefits. Financial experts remind the public that although the current deposit rate is still low, while being keen on regular deposits, it should not be ignored to find a better savings path for short-term idle funds. Bank currently have a variety of savings financial management methods, have there any of the income and liquid savings varieties of funds? "Republic of China" troubles now Shanghai Minsheng, Shanghai Pudong and other commercial banks have "agreement" business. It refers to the customer only needs to specify the remaining balance in its live account. When the balance is greater than the specified amount, the banking system will automatically transfer funds from the period of regular deposits to different periods, and improve interest income through this way. . Once this service is opened, each deposit in the future, the system will automatically transfer funds that exceed the retention amount of the retention, and the trouble of provincial banks. Some banks also take into account the liquidity needs of customer funds, and launch "savings overdraft" service. For example, Minsheng Bank's "money money" savings financial management, provide "overdraft" service. If the customer's payment or consumption has more than the amount of the living account, the system provides customers within the regular deposit balance. At the end of the business day, the system will take one or more regular deposits to make up for the day's loan on the principle of minimal loss of interest loss. Other deposits continue to enjoy regular deposit interest rates. This ensures both customers' funds and ensures financial flow. "Notify deposit" Interest is high for large-scale deposits or short-term idle funds, "notify deposit" is not an ideal investment pathway. Notifying deposits means that the deposit is not about the deposit period, and the bank needs to notify the bank in advance, and the payment will be taken after the deposit date and the amount of the amount. "Notify deposit" is divided into RMB and foreign currency. "RMB notice deposit" has 1 day, 7 days, two varieties, foreign currency is only 7 days to inform deposits. "1 day notice deposit" must be notified 1 day in advance, and the "7-day notice deposit" must be notified 7 days in advance. Compared with the inventory deposit, the advantage of "notification deposit" is that the annual interest rate is high, and the investment income of the same deposit period is naturally much higher. At present, the RMB deposit rate is 0.72%, and the renminbi 1 day notifies the deposit rate of 1.08%, and the deposit interest rate in 7 days is 1.62%. Without considering interest tax factors, the renminbi 1 day notified the annual interest rate of 50% higher than the inventory deposit, 7 days notice the annual interest rate is 125% higher than the inventory deposit, and its interest rate is only more than the whole. 3 The renminbi regular deposit interest is 1.71% slightly lower, but the liquidity is far from the three-month regular deposit. So, "notify deposit" is a savings deposit product that can better and balances, during the May 1st, 11 long holidays, stocks or foreign exchange prostitutes have a convenient channel for large idle funds.
