End 2017 year end, the gross of bank finance orgnaization of our country already amounted to 4023, many 4000 bank orgnaization, should you say where home puts money tall? Reckon person of countrywide neither one can tell you, because this government does not have statistic, and private, without who, this energy and ability go to each bank checking statistic. But we are OK the sort according to the bank, differentiate simply for: State-owned bank of commercial bank of big travel, share-holding system, place and civilian battalion bank, will see their general saving interest rate again.
State-owned big
State-owned the travel in basically pointing to all right greatly, labour travel, Agriculture Bank, Construction Bank, join travel and postal savings bank, scale of these a few banks is large, have a state name setting, the site is much, brand history is long, suck store capability is very strong, spend to the demand of deposit inferior, because this deposits money,have on the base that interest rate won't publish basically in the Central Bank too much on tone, and interest rate agrees basically, at present on government-owned net one year period interest rate 1.75% , 2 years period interest rate 2.25% , 3 years period reach above interest rate 2.75% .
If you think,take more interest so, do not suggest you put money in these banks.
Share-holding system commercial bank
Besides 6 big banks, our familiar to the ear can the bank of detailed is share-holding system commercial bank mostly, for instance in business of letter, smooth hair of big, riverside, restful, wide hair, action, the people's livelihood, promote course of study, an ancient name for China and Heng Feng to wait a moment, compare with photograph of 6 big state-owned banks, these commercial banks are sucked store ability is relatively a few weaker, but spend as a result of the identifying of national distribution and brand, its are sucked store ability bank of prep above place, because the interest rate of bank of this share-holding system will be more state-owned travel is tall, these a few banks are for instance lower than local bank, current government-owned net a year period interest rate is in almost 1.95% the left and right sides.
Local bank is first selection
Believe everybody can discover, besides commercial bank of state-owned bank, share-holding system, every area can have a few regional banks, for instance Beijing bank, peaceful wave bank, Nanjing bank, Xiamen bank and each farming company of commercial firm, farming letter is waited a moment, limitation of these site of be enslaved to be enslaved to of regional small bank and trademark are well-known degree, suck store ability relatively two kinds of afore-mentioned banks are poor, so they can give higher interest rate only, at present many local banks a year period interest rate gives 2.25% , be equivalent to state-owned go 2 years greatly period interest rate level. Divide this beyond, still have a few regional banks one year period interest rate can be achieved even 3% . If you are not,in a gleam of so big city is in however other small town, the choice can receive higher income in local bank deposit.
Civilian battalion bank
The time that civilian battalion bank establishs is short, and the part is incorporeal orgnaization, partner basically is civilian battalion enterprise, if coequal condition, everybody stems from safe consideration, won't choose civilian battalion bank commonly, so to suck store, the interest rate that civilian battalion bank gives out is highest commonly, 5 years when what know at present for instance period highest La Haiyin goes the interest rate of 5.5% .
Summary
The profit source with main bank is breath difference; And the key with wrong breath depends on deposit, did not deposit money, does He Lai borrow money? Can say deposit is the resource with the mainest bank, it is the cornerstone that the bank manages; Did not deposit money, the bank cannot be managed directly, so what bank most be short of deposit, the interest rate that its give is top.
-- graph article originates network
