银行员工几乎不买“定期存款”，退休银行职员揭秘原因！

Core Insights - A significant trend has emerged where over 80% of bank employees avoid purchasing their own bank's fixed-term deposits, raising questions about the underlying reasons for this behavior [1] Group 1: Reasons for Avoiding Fixed-Term Deposits - Bank employees have access to diverse investment channels, allowing them to obtain information on low-risk, high-yield financial products, which ordinary depositors may not have [3] - The low interest rates on fixed-term deposits are a primary reason for bank employees' reluctance to invest in them, with one-year deposits yielding only 1.95% and three-year deposits at 2.6%, which are insufficient to counter inflation [8][7] - The liquidity issues associated with fixed-term deposits also deter bank employees, as accessing funds before maturity results in lower interest rates, leading to actual financial losses [7] Group 2: Comparison with Ordinary Depositors - For ordinary depositors, placing funds in a bank remains a relatively safe investment strategy, as they typically lack the expertise to navigate high-risk investment products [9] - Despite the low returns, bank deposits are protected by national laws, making them a lower-risk option compared to other investment avenues [9] - The current investment environment is complex, with various risks in stock markets, real estate, and mutual funds, making bank deposits a safer choice for preserving capital [11]