Financial Funds Return To Banks Only Because Of The Poor Security Of P2P.

Interest rates in the first quarter of 2016 were not as good as the fourth quarter of 2015. Interest rates remained at a low level, reflecting the pressure on bank deposits to a certain extent.

Having experienced various kinds of running, or even stepping on their own, nowadays, a little bit of trouble will affect the nerves of P2P platform, even if it is the resignation of the chairman or senior staff, it may lead to the risk of run.

According to the financial forum forcast by reporters, investors can be roughly divided into four categories: those who only believe in the Conservatives of banks, are willing to try the forerunners of P2P, the bold faction where the profits are high, and the smart school that only throws the platform for short-term beginners.

In these four kinds of people, due to the influence of platform running, the bold faction has become less and less. Besides the pain caused by loss, there is also a sense of being bitten by a snake.

Lao song was a conservative who had known the reporter for a year. He told reporters a year ago that he kept the bank regularly, and he told reporters that he kept it for a year.

During this period, reporters have introduced to him several relatively stable banking system P2P platform, the background is relatively reliable, but the old song declined politely. He thought it was still the safest bank, especially in the five state-owned banks.

In the financial forum, there are few such people as Lao song.

Second kinds of people are gradually decreasing in the contact of journalists. Although there is a temptation of high returns, such people are always on pins and needles for a little wind and grass.

In March, the news of Tang Xiaoseng's platform chairman Sun Hengxue resigned in the circle. For a time, the forum almost "fried", many people were probing into whether Tang Xiaoseng was on the run and whether his money could be redeemed at an early date, because not long ago, Tang Xiaoseng's return campaign had just started a small climax, many people voted in their home, though not all.

According to the reporter's exposure to these investors, third categories of people and fourth categories of people also have a certain reduction in the year. One is because third categories of people basically lose money, one is because fourth people have no new platform to invest.

In addition, there is an increasing number of voices in the forum, though

It is contrary to the original intention.

The main idea is that E has gone through the event of renting treasure. Why do you want to invest in P2P? Such a large enterprise has fallen down. How can you ensure that you will not fail to invest in the platform or back to the bank.

Although this kind of people can not decide whether to be a water force, but for those who have just stepped into the threshold of financial management, the potential strength of the clamor is apparent. The reporters met several investors who hesitated for a few days to finally turn back to the bank's financial management. They had a simple reason for not knowing who to trust and the bank should be safe.

The central bank's official figures for the first quarter have not yet been released, but from the point of data release, there are signs of backflow in deposits.

The central bank's Chongqing financial management department recently released the "1 quarter of 2016 Chongqing financial operation briefing" shows that the end of 3, the balance of deposits for the first time exceeded 3 trillion yuan mark.

RMB household deposits balance of 1 trillion and 318 billion 450 million yuan, an increase of 10.6% over the same period.

According to the calculation of 30 million 165 thousand and 500 people in the city's permanent population, the average per capita deposit of the whole city is about 43 thousand and 700 yuan.

In the first quarter, 97 billion 717 million yuan of residents deposits were returned to banks.

Shanghai banking regulatory bureau data show that in the first quarter of 2016, Shanghai banking industry was running smoothly. As at the end of 3, the balance of banking assets in Shanghai was 13 trillion and 100 billion yuan, an increase of 14.7% over the same period.

5 trillion and 550 billion yuan, an increase of 11.4% over the same period; the balance of deposits was 8 trillion and 120 billion yuan, an increase of 12.4% over the same period last year.

360 quarter 2016 quarter bank

The report calculates the deposit interest rates of 88 banks in 50 major cities in the first quarter.

The 360 statistics show that interest rates in the first quarter of 2016 are significantly lower than those in the fourth quarter of 2015. In the interest rates of each period, there are more banks with a floating rate of 30% to three months to one year, and the minimum interest rate for demand deposits.

Many state-owned commercial banks even set the current interest rate as the benchmark interest rate, and the interest rate of the five major state-owned banks is lower than the benchmark interest rate, which is only 0.3%.

Some experts believe that bank deposit interest rates remain at a low level, which also indicates that the pressure on bank deposits has been alleviated to a certain extent.

Everbright Bank, a branch retail department, told reporters that although there were not many people who came to the network for business pfer or renewal, the deposit situation in the first quarter was quite ideal from the data point of view.

In addition, the implementation of the deposit insurance system has also given investors reassurance.

The central bank recently released the first quarter monetary policy implementation report, pointing out that the deposit insurance system has been progressing smoothly. The more than 3600 banking institutions that have taken deposits have gone through the insurance procedures in accordance with the law, and the premium has been collected in 2015.

On the whole, the implementation of the deposit insurance Ordinance has been positive for many years. The deposit pattern of small and medium-sized banks has remained stable. The banking institutions have been operating in a normal order, and the role of deposit insurance mechanism has been gradually brought into play. The system has been promulgated and implemented smoothly and orderly.