论文部分内容阅读
如今,对大多数家庭来说,不管利率如何,总有一部分钱要存到银行去的。一样的存款要获得不一样的收益,选择存期很重要。一般原则是最好仔细考虑预期用钱时间选择存期,莫要盲目地把余钱全存长期。现行的存款种类中,从活期存款到存期最长的定期五年存款,利率和存期成正比,存期越长,利率越高,如三个月定期存款的年利率为1.71%,而三年期则为2.52%。这样,许多储户往往认为存期越长越合算,而没有仔细考虑自己预期的使用时间,如果急需用钱,办理提前支取,就出现了:存期越长,利息越吃亏:的现象所以作好预期开支,并根据自身情况选择期限较为短些的两年期或先存一个一年期,到期再转存一年,同样是取现,利息就大不一样。因此,
Nowadays, for most families, no matter what the interest rate, there is always a part of money to be deposited with the bank. The same deposit to get a different income, the choice of deposit is very important. The general principle is that it is best to carefully consider the expected time of deposit and withdrawal of deposits, and to blindly keep the excess of money for a long time. The current deposit type, from demand deposits to the longest term deposits of regular five-year deposit rate is proportional to the deposit period, the longer the deposit, the higher the interest rate, such as three-month fixed deposit annual interest rate of 1.71%, and Three-year was 2.52%. In this way, many depositors often think that the longer the deposit, the more cost-effective, and did not carefully consider their expected use of time, if the urgent need for money, for early withdrawals, there: the longer the deposit, the more interest the loss of the phenomenon so well Expected expenditure, and according to their own circumstances to choose a shorter period of two years or a pre-existing one year, another year due to transfer, the same cash, the interest is quite different. therefore,