Main features of bank deposits 1. There are two main reasons for the autonomy of saving behavior: first, the object of saving is private, that is, the ownership of the monetary funds that depositors want to save belongs to depositors, and depositors have autonomy. This is the fundamental guarantee and necessary premise of saving autonomy; Savers' savings are the result of their own needs. The fundamental purpose of saving is for one's own future needs, and the autonomy of saving reflects the demand for self-service. Both value-added savings and value-added savings are beneficial to depositors, so money owners are willing to engage in savings activities.
2. The motivation for the temporary idleness of savings objects and the accumulation of savings comes from the consumption balance deducted from personal income. This part of the balance constitutes the material premise of personal savings. At the same time, the purpose of saving is for future consumption, which also shows that idle savings objects are temporary. Savings accumulation refers to the accumulation of monetary funds of depositors. Its meaning can be understood from two aspects: first, savings behavior has the function of accumulating wealth for individual depositors; Second, from the perspective that monetary funds represent social wealth, the process of monetary savings is also the process of social wealth accumulation.
3. Savings preservation and profit saving are a kind of credit behavior, and credit has the characteristic of repaying principal and interest. The characteristics of savings principal and interest make it have obvious value preservation and profitability. When depositors deposit monetary funds in savings institutions such as banks, the first consideration is whether they can keep the principal and accumulate wealth. If the principal is not guaranteed, depositors will not participate in saving. Therefore, the preservation of savings is the minimum requirement of depositors' savings and the basic feature of savings; Secondly, depositors can not only get back the principal after a period of time, but also bring interest by depositing monetary funds into savings institutions such as banks. This is the basic requirement of credit behavior. The interest rate of savings directly affects the income level of savings.
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