The august 2026 deposit rate remained low. The depositor is concerned with two things: deposit security, interest earnings. Based on the latest listing rate of the major banks app on august 20th, the nanjing mainstream banks were divided into four major ladders to provide an in-depth assessment of the advantages and disadvantages of each of them and to select their own deposit schemes。
I. Six state-owned lines: steady, low interest rates
The six state-owned businesses established by the workers and farmers were the first option for the vast majority of the population to save their money. The network is located throughout nanjing city, with easy offline operations, high public recognition and full deposit security. In contrast, however, the interest rate on term deposits is generally downstream in this list。
The interest rates for agricultural banks, postal banks and transport banks are almost the same: 0. 95% - 0. 98% for one year and 1. 25% - 1. 30% for three years. Business banks and construction banks have a slightly higher interest rate of 1. 20 per cent for two years and 1. 55 per cent for three years. China's banks have the largest spread of interest rates and there is some floating space, with a maximum of 1. 60 per cent over a three-year period。
Targeted population: sub-line services, long-term storage of funds, very low risk tolerance depositors。
Ii. National shareholdings: medium returns, significant gaps
Interest rates are more clearly divided among sino-chinese, chinese-american, commercial, and pufa-based banks. Bank interest rates are almost equal to those of state-owned businesses and do not have a clear yield advantage。
The interest rates of the sino-tino bank and the people's bank are outstanding, with a fixed interest rate of 1. 30 per cent for a period of one year, 1. 40 per cent for a period of two years, 1. 75 per cent for a period of three years and 1. 74 per cent for a period of three years. It has the most elasticity, with each term setting the base and upper interest rates up to 1. 80 per cent。
It is appropriate for the population: it is used to mobile banking lines, which allow a small number of offline points to be received, and it is intended to yield more than a national bank depositor。
Home city comptoirs & agricultural comptoirs: nanjing local preferences
The bank of jiangsu, nanjing bank, as the comptoir of jiangsu's capital, has a large number of local networks in nanjing and has easy access. The two interest rates are fully synchronized, with 1. 35 per cent for one year, 1. 45 per cent for two years, and 1. 76 per cent for three years, with steady returns, which are locally sound preferences。
The bank further raised the ceiling. Of these, 1. 78 per cent was the interest rate for the three-year period of the chamber of commerce and industry of purple gold; the nanjing puguchi town bank performed well, accounting for 1. 50 per cent in one year, 1. 47 per cent in two years and 1. 80 per cent in three years, which is the main source of revenue in the offline bank。
For the appropriate population group: residents of nanjing, prefer lower-line depositors and family depositors seeking higher interest rates in local banks。
Smb: smallpox board
According to the latest data available on 20 august this year, smb has taken the lead in medium- and long-term deposit rates in a number of banks. 1. 50 per cent for one year, 1. 70 per cent for two years and 1. 95 per cent for three-year term deposits, which is the highest of the three-year period in this list. As a regular licensed bank, up to 500,000 principals are covered by deposit insurance. In contrast to the three-year interest rate of 1. 25 per cent - 1. 3 per cent for the state-owned line, the principal amount of $100,000 has been set at three years and the difference in interest is considerable。
For the appropriate population group, deposits can be received online, higher interest in the medium to long term and the limit of 500,000 deposits is strictly adhered to。
Finally, we're gonna give nanjing's reserve three real money savings
First, hold the red line at half a million. Regardless of which bank, the principal deposit of a single bank does not exceed $500,000, maximizing the use of deposit insurance。
Second, matching the inactive cycle of funds. The short-term reserve is selected for a period of up to one year; it is not available for use in three years and is considered for three-year deposits to avoid interest losses due to early withdrawal。
Thirdly, interest rates should not be viewed simply as high or low. Underline, more priority is given to local city comptoirs and farms; they seek extremely high-interest, on-line operations and then high-interest banks。
