Workflow
定期存单
icon
Search documents
消逝的定存高息:有人5万存五年,利息少近7000元
Group 1 - The article highlights the shift in residents' savings behavior from traditional bank deposits to non-bank financial markets due to declining interest rates, with a notable decrease in bank deposit growth for the first time this year [1][3][27] - The People's Bank of China reported that household deposits have fallen below seasonal growth for two consecutive months, while deposits in non-bank financial institutions reached a record high in August, indicating a migration of savings towards investment products like securities and funds [1][27] - The article discusses the generational differences in financial strategies, with older generations favoring traditional savings and younger generations exploring diverse investment options, reflecting a broader trend of adapting to low-interest environments [3][9][10] Group 2 - The decline in interest rates is exemplified by the reduction of five-year fixed deposit rates from 4% to 1.3%, significantly impacting the returns for savers [5][6] - The article notes that many individuals are now seeking higher-yielding financial products, such as "fixed income plus" bank wealth management products, which combine fixed income assets with equities to enhance returns while managing risk [13][17] - The increasing popularity of ETFs among younger investors is highlighted, as they seek to diversify their portfolios and achieve better returns in a low-interest-rate environment [24][29] Group 3 - The trend of "deposit migration" is supported by data showing a decrease in the growth rate of household and corporate time deposits, as well as increased activity in the capital markets, such as a 29% rise in average daily trading volume in A-shares [27][28] - The article emphasizes that the low-interest-rate environment serves as a push factor for deposit migration, while the performance of capital markets provides a pull factor, driving residents to seek higher returns [28][29] - The ongoing changes in residents' risk preferences and investment behaviors are influenced by macroeconomic conditions and the performance of various asset classes, indicating a gradual shift in financial strategies [29][30]
农行济南北园支行:客户服务无小事 及时上门解民忧
Qi Lu Wan Bao· 2025-09-23 07:47
近日,农行济南北园支行接到一位客户的求助电话,称其年过九旬的母亲有一张定期存单到期了需要支 取,因为开户时没有设置密码,需要本人亲自到网点才能办理。但是,其母亲年事已高,行动不便,加 上现在居住在老家,距离网点30多公里,实在没办法亲自来,家人对此十分焦急,万般无奈之下打电话 求助。 获悉这一情况后,北园支行的网点负责人高度重视。本着急客户所急的原则,立即启动上门服务应急预 案,安排两名工作人员驱车赶往老人家中,提供暖心上门服务。在老人家中,工作人员耐心细致地完成 了身份核实、意愿确认等必要流程,指导老人签署了授权委托书。随后,其子女到网点顺利办理了存单 支取业务,圆满解决了客户的燃眉之急。 农行北园支行始终秉持"以客户为中心"的服务理念,将服务送上门,让客户享受到便捷、安全、有温度 的金融服务,用实际行动践行金融为民的责任与担当。 ...
科华数据股份有限公司关于使用部分闲置募集资金进行现金管理的公告
Core Viewpoint - Company plans to use up to RMB 400 million of idle raised funds for cash management to improve fund utilization efficiency while ensuring that it does not affect the normal use of raised funds for investment projects [1][12][14] Summary by Sections 1. Basic Situation of Raised Funds - Company issued 14,920,680 convertible bonds at a price of RMB 100 each, raising a total of RMB 149,206.80 million, with a net amount of RMB 148,066.32 million after expenses [1][2] - As of August 28, 2025, a total of RMB 58,648.21 million has been invested in projects, with idle funds and interest income totaling RMB 90,464.80 million stored in a dedicated account [2] 2. Reasons for Idle Funds - The company is progressing with investment projects according to the plan, but due to the construction cycle, there are temporarily idle funds [2][12] 3. Cash Management Plan - The company intends to use idle funds for cash management to enhance efficiency without impacting project progress [3][4] - Investment products will be low-risk, high liquidity, and with a term not exceeding 12 months [5][6] 4. Investment Limits and Duration - The cash management will utilize up to RMB 400 million for a period of 12 months from the board's approval date, with any transaction amount not exceeding this limit [6][13] 5. Implementation Method - The board authorizes the chairman or designated personnel to make decisions related to cash management within the approved limits [7][13] 6. Information Disclosure - The company will disclose cash management details in accordance with relevant regulations [8] 7. Distribution of Cash Management Earnings - Earnings from cash management will be managed according to regulatory requirements [9] 8. Impact on Daily Operations - The cash management plan will not affect the normal operation of the company or the use of raised funds for investment projects, and it aims to improve fund efficiency and returns for shareholders [12][14]
科威尔: 关于使用部分暂时闲置自有资金进行委托理财的公告
Zheng Quan Zhi Xing· 2025-08-24 16:16
Investment Overview - The company plans to use a maximum of RMB 450 million of temporarily idle self-owned funds for entrusted wealth management to improve fund utilization efficiency and increase cash asset returns for the company and its shareholders [2][4] - The investment will be in low-risk financial products with high safety and good liquidity, including but not limited to structured deposits, time deposits, notice deposits, large time deposits, and broker profit certificates [2][4] - The authorized period for this investment is 12 months from the date of the board meeting approval, and the amount can be rolled over within this authorization [2][3] Approval Process - The board of directors approved the proposal for using idle funds for entrusted wealth management during the second meeting of the third board on August 22, 2025, and this matter does not require shareholder meeting approval [2][3] Risk Management - The company will select financial products with high safety and good liquidity while controlling risks effectively, although these products are subject to macroeconomic policies [4] - The company will conduct comprehensive evaluations of investment products and ensure that the entrusted wealth management does not affect normal operations or financial stability [4] Impact on the Company - The use of idle self-owned funds for wealth management will not affect the company's normal cash flow or future business development, and it is expected to enhance the efficiency of fund utilization and generate investment returns [4]
【守护“钱袋子”专栏】厦门国际银行北京分行 联合警方识破高价保健品骗局,守护群众养老钱
Bei Jing Shang Bao· 2025-08-11 09:34
Core Insights - A successful intervention by Xiamen International Bank's Beijing Asian Games Village branch staff prevented a scam targeting an elderly customer, saving her 70,000 yuan [1][2] - The bank's staff demonstrated strong risk identification skills and a commitment to customer protection, highlighting the importance of vigilance in financial transactions [1][2] Group 1: Incident Overview - A 90-year-old customer, Ms. Su, attempted to withdraw 70,000 yuan from a term deposit that had been in place for only 15 days, raising suspicions among bank staff [1] - The intended use of the funds was to purchase an expensive health product promoted by a dubious figure on a live streaming platform, which further alarmed the bank staff [1] Group 2: Scam Details - The individual promoting the health product, referred to as "Guo Zhongyi," was found to be involved in multiple fraud cases, selling unverified and unguaranteed products to vulnerable elderly individuals [1] - Bank staff conducted an online investigation that confirmed the fraudulent nature of the product and the promoter's history of scams [1] Group 3: Customer Protection Efforts - Bank staff engaged in a thorough discussion with Ms. Su, explaining the characteristics of similar scams and the potential risks involved [2][3] - With the assistance of police, Ms. Su ultimately recognized the danger and canceled her withdrawal request, expressing gratitude to both the bank and law enforcement [2] Group 4: Future Initiatives - Xiamen International Bank's Beijing branch plans to enhance consumer rights protection, strengthen risk prevention measures, and improve customer service [2] - The bank aims to deepen collaboration with law enforcement to create a robust financial safety net for the community [2]
农行济南长清支行营业室:慧眼识骗局 农行护周全
Qi Lu Wan Bao· 2025-06-29 08:53
Core Points - A senior citizen attempted to withdraw a 200,000 yuan fixed deposit, displaying signs of anxiety and providing vague explanations for the funds' use, raising suspicions among bank staff [1] - The bank staff followed internal protocols to investigate the situation, leading to a successful intervention that prevented a potential scam targeting the elderly [1][2] Group 1 - The elderly man showed signs of distress and was inquiring about an early withdrawal of a large sum, which prompted the bank staff to take notice [1] - The bank manager engaged the elderly man in a private area to discuss potential fraud, specifically targeting scams that exploit elderly individuals [1] - The staff discovered no significant recent transactions in the elderly man's account, further confirming their concerns about a possible scam [1] Group 2 - Upon further investigation, the elderly man revealed he was being pressured by someone claiming to be his son, who needed money for a supposed emergency [2] - The bank manager facilitated a call to the elderly man's actual son, confirming that the request was a scam, which relieved the elderly man [2] - The elderly man later expressed gratitude to the bank by presenting a banner acknowledging their vigilance in preventing the scam [2]
工行南通如皋支行以切实举措保障客户金融权益
Jiang Nan Shi Bao· 2025-05-28 02:41
Group 1 - The company actively promotes a people-centered value orientation and the spirit of volunteer service, focusing on protecting financial consumer rights and enhancing service capabilities [1] - The bank organized a financial lecture in a community to educate residents about fraud prevention, particularly targeting elderly clients, and received positive feedback for improving their financial literacy and risk awareness [1] - The bank's staff provided practical advice on identifying scams and protecting personal financial information during the community event [1] Group 2 - A customer urgently needed to withdraw funds from a fixed deposit to pay for medical expenses for their mother, who was in critical condition after an accident [2] - The bank quickly initiated an emergency payment process, requiring necessary documentation to facilitate the withdrawal and transfer of funds to the hospital [2] - The bank continues to uphold a customer-centric service philosophy and aims to strengthen consumer rights through detailed and effective service actions [2]
一波三折支取存单的故事
Jiang Nan Shi Bao· 2025-05-28 02:41
Core Points - A middle-aged man attempted to withdraw a fixed deposit certificate at a bank branch but faced issues due to system errors related to historical account data [1][2] - The bank's operational manager communicated with the customer and provided updates on the situation, ultimately resolving the issue and allowing the customer to withdraw the deposit after 12 years [2] Group 1 - The customer faced difficulties accessing his fixed deposit due to a lack of a debit card linked to the account, leading to a failed transaction attempt [1] - The bank's staff demonstrated professionalism and patience in handling the customer's concerns, ensuring effective communication throughout the process [2] - The issue was identified as a discrepancy between historical account data and the current system, which was subsequently resolved [2] Group 2 - The bank emphasized the importance of customer service, highlighting the need for staff to remain calm and attentive to customer needs, regardless of the complexity of the issues [2] - The successful resolution of the issue resulted in positive feedback from the customer, who expressed gratitude for the bank's service [2] - The bank's commitment to customer care and efficient problem-solving is seen as essential for building trust and loyalty among clients [2]