Would you choose "Special Forces Deposit"? If a deposit of 100000 yuan earns an interest of 1200 yuan over three years to attract depositors to save money in other places, would you take the train to save money if the fixed deposit interest rate in nearby cities is 0.4 percentage points higher than that in the local area? Since March, many Jiangsu people have formed groups to go to Shanghai to save money, traveling back and forth on the same day, which is referred to as "special forces style savings" by netizens. Dong Ximiao, Chief Researcher of Zhaolian Finance, pointed out that there are three main factors behind the significant differences in deposit interest rates of some banks in different regions. Firstly, the self-discipline pricing mechanism of market interest rates in different regions may agree on different ranges and upper limits of deposit floats; Secondly, the supply and demand relationship of deposit markets varies in different regions, and customer investment preferences and savings habits differ, which affects the pricing of deposit interest rates; Thirdly, different branches of the same bank may have different asset liability situations and market competition strategies, resulting in inconsistent demand and pricing for deposits. The interest rate of Jiangsu Bank in Jiangsu is better than that of Shanghai's low internet celebrity branch, and the service is also good. "From Changzhou to Shanghai, Jiangsu Bank has a fixed deposit. Jiangsu Bank is 3.1% in Jiangsu, and 3.5% in Shanghai." "From Nanjing, I took the high-speed rail to Shanghai to apply for a Jiangsu bank card, which took 3.5% in three years and is very fragrant." "Before May Day, I went from Suzhou to Shanghai to apply for a card, deposited 300000 yuan at the counter, and returned to Suzhou to deposit 50000 yuan on my phone. 3.5% is really fragrant Wuxi 3.1%, there is no limit yet and there are no gifts. Following the trend, I came to Shanghai to deposit, and it took five hours from withdrawal to redemption. The task was completed! "Since March, many netizens from all over Jiangsu have shared their experience of taking the train to Shanghai to deposit on social media platforms. It is interesting that the banks chosen by these Jiangsu clients in Shanghai are not local banks in Shanghai, but rather the branches of their local Jiangsu bank in Shanghai. Originally, the three-year fixed deposit interest rate of Jiangsu Bank in the Jiangsu region was only 3.1%, while in Shanghai it was as high as 3.5%. The deposit interest rate is determined by the location of the issuing bank or deposit receipt processing branch. This 0.4 percentage point difference means that a deposit of 10000 yuan earns an additional 40 yuan in interest for one year, which is 120 yuan in three years. These customers generally deposit over 200000 yuan, with an additional interest of 2400 yuan at the maturity of three years. If they deposit 1 million yuan, they will earn an additional 12000 yuan. The reporter of Beijing Youth Daily learned that the interest rate of all branches of Bank of Jiangsu in Shanghai is the same, and there are other banks in Shanghai whose interest rate is higher than that of Bank of Jiangsu, but only Bank of Jiangsu Shanghai Zhabei Branch has become the preferred outlet for these customers in Jiangsu. Multiple netizens have reported that this branch has the most posts on major social media platforms, stating that there are many gifts and good services here. Many people see articles pushed online and come straight after getting off the train. In March, this branch queued up every day. On a weekend in mid March, Jiangsu netizen Xiaolin took a high-speed train from Wuxi to Zhabei branch to save money. When he arrived at 10 o'clock, there were 56 people in front of him, and it was already 1 pm after completing the business. But Xiaolin said that the service attitude of this branch is very good, patiently explaining every problem, and sending hanging noodles to every customer in line. At noon, each person
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