On December 25th, several banks have recently launched a combination of “high interest rates+marketing activities”. Some banks even offer personal pension fixed deposit products with interest rates as high as 4.0%. In response to the specific situation, reporters went to several large commercial banks in Shenzhen to understand the situation. At a certain commercial bank branch, a customer manager told reporters that according to regulatory requirements, the current interest rate for personal pension fixed deposits is maintained at around 2%, while the bank loan interest rate is only about 2.5%. Currently, personal pension products are mainly targeted at office workers. After purchasing relevant pension insurance products, the comprehensive income at retirement may reach about 3.9%. (One Finance)
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