In 2017, it is estimated that about 4,200 trillion dong was deposited in the banking system and non-banking credit institutions.
According to Dr Can Van Luc, a financial and economic expert, in 2017, deposits of the people, businesses and financial institutions on the credit system (including bank and non-bank) was estimated at about seven trillion dong.
Of which, the deposits from the population accounted for about 60 percent compared with 40 percent from organisations. As a result, deposits of the people alone accounted for about 4,200 trillion dong in the system of banks and non-banking credit institutions.
With such a large amount of deposits, it is evident that the people still choose bank as a deposit channel. But, with so many “suddenly losing money” cases in bank accounts, savings books, many people are worried about the aforementioned investment channel that is considered as safe.
According to Luc, to increase the safety assurance, the first criterion is that customers need to select reputable banks with historical and brand thickness, know whether the operation process of banking operations over the last period is good or not and whether quality service is convenient, fast, professional or not. Then, there needs to pay attention to price, interest and costs.
Also, it is very easy to manage money in the account. Apart from subscribing to use SMS internet banking, there may require a bank account statement.
Meanwhile, according to the experience of Nguyen Thao Huong (living in Binh Tan District) who has more than 50,000 shares of Eximbank, I choose to deposit in different banks to minimise risks.
In addition, Huong added “I sometimes ask bankers to come to my home to make some transactions, but I never trust a single person”.
Dr Can Van Luc said “Many customers say that they only want to deal with one person, but customers also need to deal with more people to ensure their own safety. In addition, customers need to pay more attention to cooperating with customers to track their cash flow and the authorisation. Customers need to be sure about their authorisation, and should not leave it empty because it is a dangerous gap for them”.
