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不论哪一类储蓄,银行每季付邮局的转存款利息均为20.57‰。八年定期储蓄用户利息最高,每季邮局应付储户的利息为25.2‰。两项相减,季所得利差为-4.63‰。不少同志认为,发展八年定期储蓄对邮局没有经济效益,这实际是一种误解。从全局观点看,八年定期储蓄仍然给邮局带来相当的经济效益,只不过是眼前的负效益掩盖了长远的正效益。为什么会出现上述现象呢?问题在于银行每季给
No matter what kind of savings, banks pay the post office deposit interest rates are 20.57 ‰. Eight-year regular savings users have the highest interest rates, each quarter post office depositors to meet the interest of 25.2 ‰. Subtracting the two, the quarterly gain spread is -4.63 ‰. Many comrades think that it is actually a misunderstanding that the development of an eight-year fixed deposit will have no economic effect on the post office. From an overall point of view, an eight-year fixed deposit still brings considerable economic benefits to the post office. It is just the immediate negative benefits that cover the long-term positive returns. Why is there such a phenomenon? The problem is that banks give quarterly