#长文创作激励计划#
Unlike in the past, the increase in people's income has made people choose a variety of financial tools, such as buying stocks to invest in companies, buying securities, and so on.
And now, most people choose to manage their money with savings.
A lot of young and old people don't save money in the same way.
We can see that young people generally make deposits and withdrawals through online banking ATMs, and they deposit through no book.
On the contrary, the elderly generally have a passbook, that is, a deposit with a notebook.
So what exactly is the difference between paperless and paperless?
Which is more appropriate for the public?
1. What is a deposit?
Modern economics generally believes that the deposit business has become the most important business of commercial banks, and is known as the "foundation of the bank".
Depending on the basis of the classification, deposits can also be divided into several categories.
For example, according to the maturity of the deposit, it can be divided into two categories: demand deposit and time deposit.
As the name suggests, a demand deposit is a deposit that does not have an agreed deposit period.
Therefore, people are free to withdraw and use this deposit fund.
On the other hand, the benefits of demand deposits are not high.
In contrast, fixed deposits have a defined term.
During this period, it is generally not allowed to withdraw or use the deposit.
However, it is also possible to obtain consent in special circumstances, after all, there are no absolutes.
However, due to the existence of default, the final interest rate will also be greatly discounted, and generally speaking, the interest rate of fixed deposits is higher than that of demand deposits.
According to the different deposit subjects, it can also be divided into unit deposits and individual deposits.
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It is worth mentioning that personal deposit is actually a savings deposit of residents, which is an investment behavior carried out by individuals who deposit their private property in a bank, and it is also the most common deposit business in most people's lives.
Deposits have their own inherent characteristics, such as security, profitability and so on.
Because we know that compared to the turbulence of the stock market, deposits are insured by the bank's business reputation, and the risk will be correspondingly reduced.
In the same way, in investment behavior, government bonds are supported by the credibility of the national government and have the highest security.
At present, some of the more common commercial banks are under the unified guidance of the central bank.
So the risk is generally acceptable.
When your money is deposited in the bank, the bank actually becomes the person who circulates the money.
This money is often used for investment, borrowing, and other business activities.
Because banks don't just pile up money over there and don't make it work for its rightful value.
Correspondingly, commercial banks will also compensate depositors with certain interest.
And these compensations are actually the ultimate purpose of the depositor to deposit the money in the bank.
So after the deposit period expires, the depositor gets the money is the principal plus interest.
For banks, the deposit business is an important basis for them to carry out credit services and create bank profits.
At the same time, at the national level, in fact, deposits are also one of the important means of macroeconomic control.
After all, the central bank is a department of the State Council, and through the central bank, the state can also adjust the deposit interest rate, deposit reserve ratio, etc. to regulate the money market, so as to make it conform to the current economic growth.
2. "There is a book" and "no book"
The classification of those with and without a notebook is actually based on whether the bank provides the depositor with a deposit certificate.
In fact, this can be taken literally.
There is a book, which means that the bank provides the depositor with the corresponding passbook or deposit certificate.
As a kind of physical certificate, passbooks and certificates of deposit are naturally not as easy to tamper with as those on the Internet, and in fact, with this kind of material product, the security of the deposit can be guaranteed by strong probative power.
After all, the tampering and forgery of paper documents is still quite difficult.
When we apply for a book deposit, we often have to go to the bank to fill in the corresponding application form, and submit the ID card, some need a household registration book, etc.
And the business will have to wait for a few days to wait for the relevant staff of the bank to review.
Therefore, in terms of process, the deposit procedure with a book is more cumbersome, and when you encounter some impatient depositors, they often do not choose this way.
But the cumbersomeness of the steps also has its benefits.
For example, on the paper deposit certificate, the depositor can check his deposit and withdrawal records at any time, and will not cause financial losses due to mistakes or forgetting.
However, whenever you want to deposit and withdraw money, you can't use the bank's self-service ATM machine for quick processing, and every time you have to take your own paper voucher, go to the bank counter to get the number, wait, and handle it manually 1 to 1.
And you have to bring your own valid ID and relevant supporting documents, there is an additional link of identity verification.
It seems that most of the people who use this part of the book deposit are some more security-conscious people.
In terms of age, they are mainly middle-aged and elderly.
They all need to make frequent deposits and withdrawals, so they will use the deposit certificate that is recorded in black and white.
Correspondingly, the characteristics of the "bookless" deposit are opposite to that in all respects.
"No book", as the name suggests, is to give up the face-to-face transaction offline, and use electronic channels, such as mobile banking, online banking and other instant applications, to handle deposits.
The biggest feature pursued by this kind of bookless deposit is instant convenience and flexibility.
These features are also features of cyberspace and can be migrated directly.
In the same way, there are advantages and disadvantages.
In the deposit without a book, the security problem is always more severe.
After all, there are many hacking techniques on the Internet, which can steal or crack passwords.
This is also an inevitable factor brought from electronic channels.
For example, password leakage, account theft, etc., these will likely cause immeasurable losses to funds.
In this regard, depositors must raise their awareness of personal protection, take adequate security measures, do not click on some inexplicable links, do not tell others their deposit passwords, etc.
Banks that develop applications should also do a good job of protecting them, such as firewalls and other initial protection measures, to take practical actions to ensure the safety of users' deposits.
For those who do not have time to go to the bank counter to handle the deposit and withdrawal business, they will also choose to open mobile banking or online banking, and directly deposit and withdraw money at the ATM.
These office workers or business people have become the main source of money for those who have no money.
To sum up, there are differences between fixed deposits with books and without essence mainly in terms of security, psychological feelings, and so on.
For a sense of security,It's often the deposit with a book that brings more feelings to people.,After all, you can directly grasp the dynamics of funds in black and white.。
Some people who are familiar with network technology and dislike the cumbersome offline deposit and withdrawal procedures will use deposits without books.
3. Selection and Suggestions
After introducing the difference between a book deposit and a book deposit, we naturally have to analyze which one is better to choose from the practical action.
It should be noted in advance that there is no so-called good or bad distinction between these two deposits, there is no so-called good and bad, only the difference between suitable and unsuitable.
For example, if you are a person who is accustomed to using a passbook or has a notebook to record deposits, then it is naturally recommended that you choose a deposit with a notebook.
After all, convenience for the sake of convenience is not considered the right choice, and it takes time to familiarize yourself with network technology.
If the network is not operated properly, the probability of being deceived and stolen will also increase.
If you are a person who uses online tools such as mobile phones and computers all year round to work and is familiar with network technology, then it is recommended that you choose a deposit without a book from the perspective of convenience.
But then again, you also need to note that different banks have different interest rates for these two deposit methods, and sometimes they will adopt certain preferential policies.
These preferential policies will also affect depositors' choice of deposit methods and depository banks from the perspective of direct returns.
But no matter which way you choose, there are a few issues that need to be paid attention to.
The first is to change your password regularly.
Whether depositing via passbook or mobile banking, depositors need to change their passwords regularly to ensure the security of their transactions.
As the saying goes: often walk by the river, how can you not get your shoes wet.
The second point is to be wary of some scam or phishing websites.
After all, scammers don't care if you use a deposit with or without a book, as long as you get money.
For these inexplicable calls, especially those involving transfers, we must be vigilant and vigilant.
summary
There is no difference in essence between a deposit with a book and a deposit without a book.,It's just a way to deposit.。
In terms of subtleties, there are differences between no book and book in terms of security, convenience, etc., and depositors need to be aware.
In terms of choice, depositors cannot be said to have a herd mentality, and must choose the way that suits them, after all, the two are only suitable and unsuitable, and there is no so-called good and bad.
Resources:
1. Law Chart 2024-03-03 "What are the types of personal deposits in 2024"
2. Tan Yue Finance 2024-06-07"In the second half of 2024, there will be "new changes" in bank deposits and withdrawals? 3 new trends for savers to be aware of》
3. Not obsessed with financial affairs "Bank "fixed deposit", where is the "gap" between those with books and those without books? Savers need to know》