The Strongest Dad in the 1980s: Fu Bao is the daughter of Heaven

After the three of them gathered together, Chen Fengcai and Chen De also shared their thoughts with Da Lu.

They all want to deposit money in the bank.

Dalu told Chen De excitedly: "There is still interest, which means it becomes more money."

When Chen De heard this, he hesitated.

He looked in the direction of the bank and said, "How about depositing this money in the bank? If the bank runs away, we won't be able to get our money back."

Chen Feng laughed after hearing this, "How is this possible? This country's state-owned banks and state-owned assets will not let the people fall into such difficulties."

Chen De shook his head, "I don't understand either, but just keep the money on yourself, right?"

Chen Feng didn't say anything?

But Xiaofeng said: "There is interest in the bank, which is quite a lot of money. The big man in our village said that it is good to put money in the bank. If he has money, when someone borrows money from him, he will say that he has no money, how good it is."

When Chen De heard this, his eyes suddenly lit up, "Is this still possible?"

Xiaofeng shook his head, "I don't know either, I've heard about it too."

Seeing that they were still discussing, Chen Feng said, "Let's go in and take a look first. I don't know if there is any money left."

"also!"

When they entered the bank, someone from the bank immediately came to greet them.

The other party asked enthusiastically, "Guys, do you want to deposit or withdraw money?"

Chen Feng responded: "We are here to learn about depositing and withdrawing money from this bank. We have never done it before."

In the past, Chen Feng had never even been near a bank, let alone wanting to deposit money in a bank.

In their lives, the money they earn is enough for their family to eat and drink every year. The money they can save is life-saving money. They don’t dare to touch it. It is kept at the bottom of the box and will not be taken out unless necessary. of.

The bank staff heard that they knew about saving money, and they immediately showed more enthusiasm, "Come on, guys, please, let me tell you about the discounts and benefits of saving money in our bank now." .”

In this way, Chen Feng and the others were brought in, and the bank staff explained to them the classification of money deposits.

"This deposit is divided into demand deposits and time deposits. The interest rates for demand deposits and time deposits are different. Current deposits are lower and fixed deposits are higher. The longer the deposit is, the higher it is."

Chen Feng didn't understand and asked: "What is a demand deposit and what is a fixed term?"

"First of all, this demand deposit is the money you put in our bank. As long as you want to use it, you can go to the bank to withdraw it at any time. The bank will settle the interest for you according to the daily interest rate. The higher regular interest rate is based on your regular interest rate. It is calculated based on time, such as three months, half a year, one or two years, or even five or eight years. The interest will only be given to you when it expires. Of course, the longer the time you set, the interest will be The higher it gets.”

After the bank staff explained it in detail, several adults roughly understood the meaning of interest rates and regular demand deposits.

Daluo's eyes sparkled when he heard this, and he said: "Then I will definitely save the longer the better. This way, I will get more interest and more money."

Xiaofeng also responded: "Yes, this will definitely make more money."

This is the most straightforward understanding for everyone at the moment, and it is also the most exciting place.

However, Chen Feng thought of something else.

He asked: "Then if I deposit for a year, but within a year, I have other things and I need to withdraw the money, is it impossible to withdraw it?"

As soon as he finished speaking, Da Lu Chen De was also stunned.

But Dalu was the first to say: "I deposited the money, so I will definitely not take it out casually. I will wait until the interest comes to get it."

The staff also responded: "It would be best if you can wait until maturity to get it, so that you have principal plus interest."

"But what if I have something very urgent? At this point, I need a guarantee. If something happens, and I can't get it out, it will be useless."

Chen Feng had encountered emergencies before, and he couldn't help but feel worried, so he first understood it clearly and had a good idea.

The staff explained: "If you have an emergency and you have to withdraw money during a regular period, that's okay. It's just that, in this way, the interest will be different. For example, if you have a regular period of three years, you If we have only deposited it for two years, we will not be able to settle it at the interest rate of three years, but can only settle it with the current interest rate."

Hearing this, Chen Feng nodded with satisfaction, "That's okay, as long as it can be taken out, then we can store it with confidence."

Of course, Chen Feng also asked about safety issues.

Even though he knew that the bank was a state-owned asset and something belonging to the country, Chen Feng still didn't understand that it was the first time he learned about this kind of thing. There must be a guarantee.

The bank staff also repeatedly assured, "Don't worry, we are the country's assets and we will never mess with people's money. Just follow your deposits and leave the rest to us. Trust us." , believe in the country!”

After some clear explanations from the bank staff, several people were tempted to save money.

Regarding interest, the staff also talked about the interest rates at each stage.

"The annual interest rate for demand deposits is 2.88, while the interest rate for three months is 4.5, for half a year it is 5.4, for one year it is 6.84, for three years it is 7.9, and for eight years it is 9."

Chen Feng heard about the interest rate and asked, "The annual interest rate is based on years, right?"

The staff nodded, "Yes. For example, the current annual interest rate is 2.88. Assuming you save 1000 yuan for one year, you will have 28 yuan after about one year. The more you save, the more money you will have."

Chen Feng nodded and asked: "If this is calculated based on eight years, is it 1000 yuan? It is 90 yuan a year. In these nine years, it is more than 800 yuan."

"That's right. That's how it works."

Chen Feng nodded in understanding.

When other people heard that more than 800, their eyes widened.

But it will take nine years before I can have that much money.

Seeing this, the staff smiled and asked a few people, "How much money do you plan to save and for how long?"

There are very few people saving money now, and bank employees are basically trying to persuade them to save money. Therefore, as long as there are one or two people who are hopeful of saving money, bank staff will persuade them to save some money.

After the three of them listened to the staff, they looked at me and I looked at you.

Da Lu asked Chen Feng, "Brother Feng, how long do you plan to save? How much do you want to save?"

Chen Feng looked up at him, "What about you?"

Daluo thought for a moment and shook his head, "I definitely want to make more money. Brother Feng, how long do you think I should save?"

Chen Feng thought about it, although eight years was a lot, it was too long.

He said: "If you really don't plan to use the money in a hurry, you can save it for a year first. Although it is not more than eight years, it is not low. 1000 yuan a year is more than 60."

Dalu smiled and nodded, "Okay, then I'll listen to you."

However, Dalu can only save five hundred.

He didn't spend much money on other things at home, so it was okay to save five hundred.

"Dezi, what about you?" Chen Feng asked again.

Chen De said: "I don't have much money and I plan to save 400 yuan. Can I save it?"

The staff member hurriedly responded: "Of course you can, you can save even 100 yuan, 400 yuan is a lot."

After saying that, the other party asked Chen Feng, "What about you?"

Chen Feng thought for a while and then said: "Let's save 1000 yuan for the time being."