Analysis of the trend of savings deposit banking
Analysis of the trend of savings deposits
1999 was the biggest change in the savings policy, first the seventh time the savings deposit was lowered.
The interest rate, after which the interest tax on savings deposits is imposed. This series of policies makes the balance of savings deposits
The amount is also changing unusually, especially in July, which became a turning point. As far as the country is concerned,
In July, it was reduced by 2.5 billion yuan from June. The decline was rare in recent years, 8 and 9
Although the monthly net increase in savings deposits has increased, it has started to fall sharply in October. So, what changes will happen to the next savings deposit? Recently, the author
The changes in savings deposits of the Industrial and Commercial Bank of China Shanxi Branch in 1999 were adjusted.
check. The changes in the storage form change balance are due to the fact that the interest rate of savings deposits has been lowered seven times in a row, and the interest tax on savings deposits has been levied.
Although the interest tax is not a rate cut, it is a deduction of 20% interest tax on the majority of depositors.
The savings deposit rate equal to one year is reduced by 0.8 percentage points. Through the investigation, we found that because the interest rate is too low, the residents now have the remaining money.
At that time, I will not earn some interest for Tutu as I used to, and immediately deposit it in the bank because it is early
It is not obvious how much interest can be earned for a few days or even months. Some residents
I also went to the bank to participate in savings because there was no suitable investment channel and the second was at home.
Not safe. The desire for household savings has weakened, and the amount of savings has begun to decline. Especially in the interest tax levy
In the previous October, the performance was more prominent. Industrial and Commercial Bank of China, Shanxi Branch, Sales Department
The deposit balance decreased by 54.33 million yuan compared with September, and decreased by 0.32 hundred compared with September.
The point is the first month of the decline in savings deposits this year, and the decline is also in recent years.
The biggest one. The survey found that before this, savings deposits began to increase slightly in June.
situation. This is due to the fact that after the state introduced the policy of starting the stock market in May this year, residents
The period was soaring and a lot of money flowed into the stock market. According to analysis by relevant people, the country flows into the stock market
The savings deposit is over 100 billion yuan. After July, the stock market began to slow down and the residents’ funds
Gold began to flow to bank savings, and savings deposits began to increase month by month, respectively, in July, August and September.
Net increase of 19.79 million yuan, 31.94 million yuan, 38.73 million yuan. In the month before the introduction of interest tax in October, the decline in savings deposits was also reasonable.
Because there is an interest tax to be levied soon, there is not much difference between depositing money in the bank and placing it in your own home.
Big, the residents put the money at home before choosing the ideal investment channel. Simultaneously
In the third phase of the sale of government bonds, residents feel that whether it is a three-year period or a five-year period,
Interest rates are much higher than bank savings, and it is cost-effective to impose a 20% interest tax. such
The heat of government bonds and cold deposits led to a decline in the balance of savings deposits in October. Savings will pick up again in the investigation of doubts, as of the end of October 1999, the national savings deposit balance has reached
596 billion yuan, accounting for 58% of the total deposits of commercial banks. The growth rate of savings deposits is fast
Undoubtedly, it provides a relaxed financial operation environment for commercial banks, but it also brings consumer markets.
Weak field, backlog of enterprise products, declining economic efficiency, increased number of laid-off workers, etc.
The production and development of industrial and commercial enterprises. In order to change this situation, the state has introduced many measures in recent years to guide and divide
Streaming residents’ savings funds, encouraging consumption and investment to expand consumption, start markets, and promote
The economy continues to develop healthily. If the salary is increased, the interest rate will be cut seven times in a row, and the interest tax will be imposed.
Implementing the real-name system of deposits, etc., but due to the weak social security mechanism in China, residents
The worries of the latter are relatively large, and these measures are currently not effective. Despite the fall in interest rates, residents
There is not much left in interest income, but it is just tight pockets that don’t dare to consume. The survey of depositors shows that the reasons for residents to maintain a certain amount of savings in their families are: Housing system reform, bid farewell to welfare housing, and after buying a house, buy a mid-range
Housing requires at least one family's eight years of income. If you want to own your own home, you have to save it.
Use the land to save money; reform of the medical system, if you don’t have money in your hospital, you won’t get sick, if you live
The hospital has to pay a deposit of several thousand yuan. During the treatment period, sufficient funds must be kept on the account. Otherwise,
Will stop taking medicine. In order to prevent accidents, most families need to store this part of the “special funds”.
Kim"; now the cost of schooling for children is not the same as before, an ordinary family can only afford one
One student goes to school. If you are a special school or go to college, for families with normal income,
Without a few years of savings, it is an unattainable thing; affected by the bad economic performance of the enterprise,
Now, without retirement and retirement, the people who can receive the pension are carefully budgeted and diligent.
If you have a family, you will accumulate the remaining money; the change of the concept of marriage requires the family to raise funds.
Marriage of children has become a “difficulty” for every family, including the cost of buying a house and getting married.
For the average family, it is at least 10 years of income for the whole family. The survey results show that residents will still participate in savings despite low interest rates. Current savings
The main reason for the decline was due to the fact that residents were not very comfortable with the introduction of interest tax.
Can't accept it very naturally, so there are adjustments in storage methods that lead to a decline in savings deposits.
After a period of adaptation, residents will still deposit the remaining money into the bank, but increase
The length of the estimate is slower than before. From the current situation, it takes a few months of waves.
The period is expected to be transferred to normal in the second quarter of next year, starting with a low speed and a small increase. Therefore, to make the relevant policies of the country play a real effect, further encourage residents to participate
With all forms of investment, diverting savings and stimulating consumption growth, the key is to lift residents.
Worry about the situation.
1999 was the biggest change in the savings policy, first the seventh time the savings deposit was lowered.
The interest rate, after which the interest tax on savings deposits is imposed. This series of policies makes the balance of savings deposits
The amount is also changing unusually, especially in July, which became a turning point. As far as the country is concerned,
In July, it was reduced by 2.5 billion yuan from June. The decline was rare in recent years, 8 and 9
Although the monthly net increase in savings deposits has increased, it has started to fall sharply in October. So, what changes will happen to the next savings deposit? Recently, the author
The changes in savings deposits of the Industrial and Commercial Bank of China Shanxi Branch in 1999 were adjusted.
check. The changes in the storage form change balance are due to the fact that the interest rate of savings deposits has been lowered seven times in a row, and the interest tax on savings deposits has been levied.
Although the interest tax is not a rate cut, it is a deduction of 20% interest tax on the majority of depositors.
The savings deposit rate equal to one year is reduced by 0.8 percentage points. Through the investigation, we found that because the interest rate is too low, the residents now have the remaining money.
At that time, I will not earn some interest for Tutu as I used to, and immediately deposit it in the bank because it is early
It is not obvious how much interest can be earned for a few days or even months. Some residents
I also went to the bank to participate in savings because there was no suitable investment channel and the second was at home.
Not safe. The desire for household savings has weakened, and the amount of savings has begun to decline. Especially in the interest tax levy
In the previous October, the performance was more prominent. Industrial and Commercial Bank of China, Shanxi Branch, Sales Department
The deposit balance decreased by 54.33 million yuan compared with September, and decreased by 0.32 hundred compared with September.
The point is the first month of the decline in savings deposits this year, and the decline is also in recent years.
The biggest one. The survey found that before this, savings deposits began to increase slightly in June.
situation. This is due to the fact that after the state introduced the policy of starting the stock market in May this year, residents
The period was soaring and a lot of money flowed into the stock market. According to analysis by relevant people, the country flows into the stock market
The savings deposit is over 100 billion yuan. After July, the stock market began to slow down and the residents’ funds
Gold began to flow to bank savings, and savings deposits began to increase month by month, respectively, in July, August and September.
Net increase of 19.79 million yuan, 31.94 million yuan, 38.73 million yuan. In the month before the introduction of interest tax in October, the decline in savings deposits was also reasonable.
Because there is an interest tax to be levied soon, there is not much difference between depositing money in the bank and placing it in your own home.
Big, the residents put the money at home before choosing the ideal investment channel. Simultaneously
In the third phase of the sale of government bonds, residents feel that whether it is a three-year period or a five-year period,
Interest rates are much higher than bank savings, and it is cost-effective to impose a 20% interest tax. such
The heat of government bonds and cold deposits led to a decline in the balance of savings deposits in October. Savings will pick up again in the investigation of doubts, as of the end of October 1999, the national savings deposit balance has reached
596 billion yuan, accounting for 58% of the total deposits of commercial banks. The growth rate of savings deposits is fast
Undoubtedly, it provides a relaxed financial operation environment for commercial banks, but it also brings consumer markets.
Weak field, backlog of enterprise products, declining economic efficiency, increased number of laid-off workers, etc.
The production and development of industrial and commercial enterprises. In order to change this situation, the state has introduced many measures in recent years to guide and divide
Streaming residents’ savings funds, encouraging consumption and investment to expand consumption, start markets, and promote
The economy continues to develop healthily. If the salary is increased, the interest rate will be cut seven times in a row, and the interest tax will be imposed.
Implementing the real-name system of deposits, etc., but due to the weak social security mechanism in China, residents
The worries of the latter are relatively large, and these measures are currently not effective. Despite the fall in interest rates, residents
There is not much left in interest income, but it is just tight pockets that don’t dare to consume. The survey of depositors shows that the reasons for residents to maintain a certain amount of savings in their families are: Housing system reform, bid farewell to welfare housing, and after buying a house, buy a mid-range
Housing requires at least one family's eight years of income. If you want to own your own home, you have to save it.
Use the land to save money; reform of the medical system, if you don’t have money in your hospital, you won’t get sick, if you live
The hospital has to pay a deposit of several thousand yuan. During the treatment period, sufficient funds must be kept on the account. Otherwise,
Will stop taking medicine. In order to prevent accidents, most families need to store this part of the “special funds”.
Kim"; now the cost of schooling for children is not the same as before, an ordinary family can only afford one
One student goes to school. If you are a special school or go to college, for families with normal income,
Without a few years of savings, it is an unattainable thing; affected by the bad economic performance of the enterprise,
Now, without retirement and retirement, the people who can receive the pension are carefully budgeted and diligent.
If you have a family, you will accumulate the remaining money; the change of the concept of marriage requires the family to raise funds.
Marriage of children has become a “difficulty” for every family, including the cost of buying a house and getting married.
For the average family, it is at least 10 years of income for the whole family. The survey results show that residents will still participate in savings despite low interest rates. Current savings
The main reason for the decline was due to the fact that residents were not very comfortable with the introduction of interest tax.
Can't accept it very naturally, so there are adjustments in storage methods that lead to a decline in savings deposits.
After a period of adaptation, residents will still deposit the remaining money into the bank, but increase
The length of the estimate is slower than before. From the current situation, it takes a few months of waves.
The period is expected to be transferred to normal in the second quarter of next year, starting with a low speed and a small increase. Therefore, to make the relevant policies of the country play a real effect, further encourage residents to participate
With all forms of investment, diverting savings and stimulating consumption growth, the key is to lift residents.
Worry about the situation.
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