Which Way Of Financing Is The Most Profitable?

< p style= "text-align: center" > < img border= "0" align= "center" alt= "" src= "" /uploadimages/201402/09/20140209093503_sj.JPG "/" < > > "

< p > < strong > < a > href= > //www.sjfzxm.com/ > > Bank > /a > reply < /strong > /p >

< p > < strong > pfer quota is difficult to block funds < /strong > /p >

< p > to cope with the widespread loss of deposit customers, many banks have come up with some solutions.

For example, the Bank of China first pferred funds to Alipay to set quotas. Then ICBC and ABC also followed up.

What is more obvious is that the amount of money deposited on the Internet is also 5000 yuan to 10 thousand yuan.

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< p > in fact, the quota is obviously difficult to prevent financial users' love for high yield and all kinds of red packets.

According to the 2013 financial statistics report released by the central bank, in 2013, household deposits in China increased by 5 trillion and 490 billion yuan, compared with an increase of 5 trillion and 710 billion yuan in 2012, a decrease of 220 billion yuan.

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< p > < strong > < a > href= > //www.sjfzxm.com/ > > /a > < /strong > /p >

< p > < strong > floating rate banks still have no odds. < /strong > < /p >

After the interest rate rises to the top, can banks return to the initiative in the battle for capital? "Floating rate does not play a very significant role, mainly in order to deal with the competition of small and medium-sized banks. Taking our agricultural bank as an example, our main competitors in the countryside are the agricultural business banks and postal savings banks, whose interest rates have all gone up to the top, and we will not be in a bad position if we do not go up," P said.

A person from ABC said.

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< p > for the advantages and disadvantages of several ways of managing money, the newspaper also collated its relevant data: (see table below) < /p >

< p > < strong > industry support > /strong > /p >

< p > < strong > what else can a bank do? < /strong > /p >

Reporter P found that in order to deal with internet banking, banks also have various kinds of "treasure". For example, Everbright Bank (601818, stock bar) launched the "demand treasure". The Bank of China has "day gold". Societe Generale Bank (601166, stock bar) has "now Jin Bao". The proceeds are not inferior to the various treasures of the Internet. Once the banks float the deposit interest rate, the advantages of all kinds of Internet treasure will no longer be so obvious.

But in contrast, the balance of treasure and other convenient purchase without threshold is still a big kill.

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"P >" in addition, the industry believes that, with the process of interest rate marketization, the 1.1 fold rise of deposit interest rate and further open space.

Banks may further raise interest rates on deposits, perhaps the occasion to regain their initiative. < /p >

< p > but Guo Tianyong, director of the research center of Bank of China (601988, Ba Ba), Central University of Finance and Economics, sees that the deposit interest rate will be fully liberalized in the future, but it will not be completed in the short term. From the current yield of the guaranteed financial products, we can peep out the interest rate level after the interest rate liberalization. With the advance of interest rate marketization, the competition pattern of banks will become more intense and cruel in the future.

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< p > < strong > three kinds < a href= "//www.sjfzxm.com/" > financial management mode < /a > < /strong > /p >

< p > financial management mode < /p >

< p > deposit < /p >

< p > financial products < /p >

< p > Internet Finance > /p >

< p > yield < /p >

< p > one year fixed deposit 3.3%, five year 5.225% < /p >

< p > General 4%-5%. At the end of the month, it can reach more than 6%, < /p >

< p > General 4%-5%. At the end of the month, it can reach more than 6%, < /p >

< p > threshold < /p >

< p > a lot of bank interest rates float up with the threshold of funds < /p >

< p > generally at least 50 thousand yuan for sale, < /p >

< p > no < /p >.

< p > convenience of realization < /p >

"P > expires before it can be withdrawn, and the early withdrawal loss is greater than" /p ".

< p > expiration can only be taken out < /p >.

< p > can be taken at any time, < /p >.

< p > whether there is a limit < /p >.

< p > no < /p >.

< p > Yes, high yield products are hard to buy < /p >.