The deposit rate is almost the same, and nanjing has the same money at different banks, which is twice as short as the term interest
There is only one question: is there any bank that can keep interest for a year or three years
The deposit is no longer just a sign, security is the bottom line, the proceeds are the choice, and the cost to the depositor is the poor information when interest rates go down。
Central bank data show that, as of the end of march 2026, the national population had deposits of 17,409 trillion yuan, with an average per capita deposit of about 12. 44 million yuan, which has not cooled, while interest is cooling。
The april round of interest rates in nanjing was calculated to place the ladders on the stage, with private banks and agribusinesses in the front row, the city comptoirs running, the shares split and the state-owned front。
It was clear from the seven-day notice deposit that the sino-american bank, with 1. 05 per cent hanging high, the state-owned business was in the order of 0. 65 per cent, and the transport bank had a level of 0. 30 per cent。
Short-term money, in order to retain liquidity, is often used as a transit station, which is 0. 4 percentage points short of pocket money。
There are also regular layers of three months and six months, with the state-owned banks being generally low at 1. 1 per cent and 1. 30 per cent for three months and 6 for six months, and at 1. 1 per cent and 1. 3 per cent for six months。
It is easier to open up the gap in a single year, with sbo regularly reaching 1. 50 per cent in a single year, with a 1. 40 per cent annual period for a sobco, and a 1. 10 per cent annual period for a state-owned company。
Intuitively, with 100,000 yuan, 1. 50 per cent compared to 1. 10 per cent per year, with a difference of 400 dollars per year, not a trick, but an option。
Two to three years of money is the main battleground, with sbam reaching 1. 95 per cent over three years, the purple farmer's bank 1. 82 per cent over three years, and jiangsu bank and nanjing bank reaching 1. 80 per cent over three years。
If the line is chosen wrongly over a three-year period, 100,000 dollars are saved for three years, 1. 95 per cent interest is $5850, and 1. 25 per cent interest is $3750, or $2,100 is enough to be recalculated。
The share bank does not amount to a uniform water level, with rmb 10,000 being held at 1. 80 per cent over the three-year period, rmb 10,000 over the five-year period and rmb 10,000 at 1. 80 per cent。
The two years of the quinquennium were often awkward, with some banks less than three years old, three years from 1. 80 per cent for nanjing bank, and five years from 1. 60 per cent for long-term lockouts, but less interest。
Behind the back of the interest rate is the squeeze of bank assets and liabilities, the reference to the lpr is 3. 0 per cent a year and 3. 5 per cent more than five years, the deposit line is constantly downgraded and the depositor feels that the deposit is thinning。
The search resulted in frequent movements of small and medium-sized banks, ranging from 2. 2 per cent to 1. 88 per cent or even 1. 45 per cent over a period of three and five years, with high interest rates shrinking。
High interest is not delivered in vain, and the threshold of storage is common at $100, $1,000, $10,000, or even limited channels. Online products need to be operated and offline sites run。
The security line is also more effective in dispersing deposits than branding, given the fact that deposits of up to $500,000 are covered by deposit insurance and the fear of over $500,000。
The first sentence is often that interest is too low: $100,000 is saved for hundreds of dollars a year. The second sentence is often to teach how to save a trader. The third sentence is often that automatic conversion at a new rate after three years' maturity
Messages were also posted on gifts, and whether rice pasta oil was profitable, and it was not unusual to think that each point was white when interest rates went down, and it was not easy to calculate time costs with rhythm。
The long-term lock-in alert is on the rise, and the rule that interest is paid at the current rate in advance is repeatedly raised, the more the interest is to be consumed, the more liquidity is to be considered a price。
Another type of voice that is more direct, with full state-owned interest rates, as if competition had been withdrawn from interest rates, was not necessarily accurate but reflected the desire of depositors to choose space。
It was also mentioned that united states dollar deposits had been replaced, and it was immediately followed by a reminder that exchange rate fluctuations had resulted in interest-rate losses in a small number of cases, and that steady money was not easily diverted。
The combination of data shows that the size of deposits continues to increase, with an additional $7. 68 trillion in household deposits in the first quarter of 2026, which is an indication that the sense of security still overstretches the impulse for returns。
The response of the depositors is also being refined, with short-term cash with short-term notice and short-term relays, medium-term money for one to three years, long-term money locked blind for five years, interest rates running upside down as risk management。
This map of interest rates in nanjing gives the conclusion that, in order to obtain relatively high interest on deposits, preference is given to private banks, agribusinesses, and some city comptoirs, then to thresholds and maturity arrangements。
Last but not least, does it leave a dilemma of 1. 80 to 1. 95 per cent over a three-year period or one-year period of initiative? The choice of interest or flexibility is @ an answer from those who have between 200,000 and 500,000 free money。
