May 1, 1996, the people\'s Bank of China has 7 times in a row to reduce interest rates. 1-year deposit rate fell from 10.98% to 2.25%, down 8.73%, 5-year deposit rate fell from 13.86% to 2.88%, down 10.98%, both drop near the 80%. Deposit rate was up to 17.1% (8 years, does not include a hedge interest), now deposit interest rates for only a maximum of 2.88%, a difference of nearly 6 times. Current deposit rates are historically low in 50 years, interest tax was imminent. But in recent years, people psychological strengthening prevention, consumer demand, Mong Kok, the stock market is too risky, and the lack of other investment channels, so the remaining also save money in the Bank. How to deposit, to try to get more benefits? which uglies.
First, judging from the time deposit period should choose short term. The one hand, the length of deposit period little effects on interest rates, one-year deposit rate and the five-year deposit rate gap decreased from 2.88% to 0.63% now. The other hand, now deposit interest rates are historically low, generally speaking, this state of affairs it is impossible for a few years, once the economic situation improved, out of deflation, is bound to a corresponding increase in interest rates. If you now select the term deposit, high interest rates can\'t enjoy higher interest rates, to suffer. And the short-term deposit liquid, immediately after expiration revaulting.
Second, judging from the centralized and decentralized, should be the appropriate dispersion. Centralized and decentralized here, which means that the deposit amount, also means the deposit maturity period. Some banks provide a deposit receipt mortgage loan ceiling, if the deposit is too concentrated, be in urgent need of money for loan limit, cannot lend enough money. Deposits on the expiration of the time, it should not be too centralized, cyclic flow method can be used, for example, remove the $ 200 per month from wages, save one year on a regular basis, so that after a year, all deposits are entitled to interest on a regular basis, and each month there are deposits due to use, than the accumulated to a certain amount of money to save cost on a regular basis.
Third, judging from the savings and Treasury, Treasury bonds should be selected. Relative Yu savings,, bonds has many advantages: a is income high, on July 16 began issued of voucher type second period bonds although by interest rate cut effect, three years period interest rate for 3.02%, five years period interest rate for 3.25%, but still than currently over savings deposits interest rate respectively high out 12% and 13%; second is variable are ability strong, as case interest rate raised or has other better of investment channel Shi, both can pledge loan, a years yihou ahead of Exchange and can enjoy min document meter income, avoid has regularly deposits ahead of drawn by demand meter income of shortcomings; three is security high, bonds is to national credit for guarantee of, known as \"Phnom Penh bond\" of reputation; four is do not have to pay interest tax.
Four, compared to the local currency and foreign currencies should select a foreign currency. At present, the dollar and the Hong Kong dollar deposit interest rates are higher than the savings deposit interest rate of RMB and a big gap between. If the current savings, the RMB interest rate of 0.99%, while the dollar and Sterling 1.5%; entire save takes a month to current interest rate of the Renminbi interest, dollar interest rate of 4.2656%, 4.5937% pound sterling rates, namely twice and 4.31 times times of RMB deposit interest rate over the same period, more than 5 year savings deposit interest rate of the Renminbi. From a one-year and second-year deposit rate, RMB and 2.25%, respectively, Sterling and 4.8562%, respectively, m and 4.6594%, respectively, pounds sterling and US dollar interest rates are more than 1 time times the RMB interest rate over the same period. Therefore, if given the chance, people may wish to carry out foreign currency savings.
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