It is not easy for ordinary people to save money, and stock investment is risky. It is understandable that more people choose to deposit their money in the bank and find that the interest rate is high. But now there are too many types of banks, and the security of some banks needs to be carefully identified.
Generally speaking, there are 6 state-controlled commercial banks, 2 joint-stock commercial banks, 8 city commercial banks, 9 private banks and 3,800 village banks (rural commercial banks, rural cooperative banks, rural credit cooperatives and village banks), many of which have private capital to participate. Don't think that there will be no swindlers when the CBRC issues a banking license, and the Ministry of Public Security does not guarantee that everyone will not do bad things.
Relatively speaking, the equity of 42 listed banks is clear and transparent, and the listed banks have strong financial strength and are relatively reliable, including six major banks, stock banks, city commercial banks and rural commercial banks. Even city commercial banks that are not listed are more reliable. Postal savings banks are all over the country. Don't say you can't find the bank. These banks pay insurance for you after your deposit or certificate of deposit, and someone pays for it in an accident. It's not that other banks can't save money, but they should take a closer look. Wealth management products are not deposits, but there is no insurance, and it is precisely because there is no insurance that the interest rate is high.
I invest in state-owned banks and joint-stock banks. I don't want them to increase all kinds of businesses for profit growth, but only do traditional businesses such as deposit and loan settlement business and national debt investment. The so-called financial reform and financial innovation are nothing more than packaging the risks and passing them on. Bank of America can pass the risk on to Americans and people all over the world, who are willing to take a gamble and lose after the thunder. If banks in China transfer risks to people in China, people in China may not be willing to "agree". The leverage of the banking industry is more than ten times. Every day, people say that banks are risky and have too many bad debts. The leverage ratio of private banks has reached 65,438,000 times. A bunch of guys are still shouting, great, this is serving the people? ! The CBRC said that if something goes wrong in the future, the government should be called to compensate depositors for their hard-earned money.
People who are smart enough to find high-interest deposits in banks all over the country think they are too smart and think that others are stupid and they can find high-interest deposits themselves. How can there be a really stupid person? ! In normal operation, high deposit means high loan, and high loan means high risk. Many rural banks offer more than 6% deposit interest, which is terrible to think about. According to my judgment, deposits, wealth management and other products with an annual interest rate of more than 5% have great risks, especially many people are more courageous to buy wealth management products without looking at the agreement. In fact, many people know that there are risks, but they just feel that the risks will not fall on themselves. Will people who can find high-interest deposits all over the country not know? I'm just saying I don't know when or what happened. If you don't know anything, how dare you put your hard-earned money on others? Just like private lenders don't know the risks? Just driven by interests, they usually shout the rule of law, and when something goes wrong, they think about the rule of man to get back their capital.
The essence is personal interests and the people of the whole country pay the bill. The money of the state belongs to the people, and the money of state-owned enterprises belongs to the people. Don't feel that it has nothing to do with yourself. Of course, rich people don't care about this, but most people have no money and can only rely on social security to support the elderly. In western countries, there is a shortage of pensions, which makes it difficult to support an aging society. China is also facing difficulties. China's per capita income is very low, just touching the edge of developed countries. The reason why it can guarantee the pension payment in the next few decades and hundreds of years is that there are financial subsidies and state-owned enterprises allocate funds to supplement social security. Other forms of enterprises don't care about this. There are more people who earn money and spend it themselves or go abroad. These people don't care if social security is enough. So I don't like the inefficiency or resource monopoly of state-owned enterprises, but I don't dislike the fact that state-owned enterprises make money. Although there may be waste, they can still earn more assets year by year, and people in the future will have more protection. Only when the people are guaranteed can the society be stable. The state or state-owned enterprises have more money, and perhaps medical insurance subsidizes the agricultural population more.
Back to the theme, I have written some miscellaneous articles these days, and I don't want to judge the right or wrong of various social events. I don't know whether to run the country according to law or people-oriented. I don't know politics or law, but economic researchers are also good at stock investment. To put it bluntly, I am a knowledge porter. The more you study, the more you feel that something is unclear, and things in other industries cannot be judged at all. The purpose is to remind you not to take risks for extra benefits and not to participate in risky transactions for petty profits. If you want to get high deposit interest, high wealth management income, low house prices, etc. You should be prepared for the loss of principal. The state will not make endless compensation, and the people will not be allowed to react. What ordinary people should really care about is the money of social security and medical insurance, not just the money in their pockets. If their money is not good, it will depreciate. The money of social security and medical insurance can preserve and increase the value, which is the guarantee of old-age care and medical treatment.
This bank is not what it used to be. How long will it take?