People in our country, regardless of the time, have always been conscious of potential dangers even in times of peace, which has become an intangible part of our daily life habits. Especially after experiencing the pandemic, people's awareness of saving has become even stronger.

Previously, many young people were accustomed to spending in advance, with some even using several credit cards interchangeably. Now, people are intentionally or unintentionally saving money, even if it's just a few hundred yuan a month.

The pandemic has taught us a lesson, making us truly realize the importance of savings during this period. And to handle deposit services, we must inevitably deal with banks.

Banks have always been seen by everyone as the safest and most secure places, where you can deposit money and also earn a certain amount of interest income. When handling fixed deposits, we find that some people have passbooks, while others do not.

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The same is true for deposits, the same is true for managing one's wealth by depositing money in the bank, why is there a certain gap? What is the fundamental difference between having a passbook and not having one?

1. Advantages and Disadvantages of Passbooks

After having a certain amount of savings, many people choose to make fixed deposits, first, to prevent themselves from impulsively spending the money, and second, because the interest on fixed deposits is higher.

In recent years, the economic environment has been sluggish, having a certain amount of assets in hand is a guarantee for the future, and it can also make everyone feel more confident.

When handling fixed deposits, banks will provide depositors with passbooks or deposit certificates, which are valid vouchers for deposits.Whether it is a passbook or a deposit certificate, they will provide a detailed record of your deposit amount, as well as the term of the deposit, interest rate, etc., and will also be stamped with the official seal of the bank.

When the time comes to withdraw the money, you only need to bring this certificate, but in the current era, these two types of deposit certificates are unfamiliar to young people.

The passbook is a traditional savings certificate in our country, which can more intuitively allow you to observe your asset situation, and the annual interest and principal are also clearly recorded.

Therefore, the passbook has a detailed record of your related business in the bank, and every time you use the water flow on the passbook, it is also clear at a glance, which can more intuitively let you understand your savings changes.

The second advantage is that the deposit in the passbook will be more secure. To handle business, if you want to use the money in the passbook, you must take the passbook and carry the relevant documents to the counter for handling.

In this process, you need to show the passbook and also enter the relevant password, which is a double insurance for your deposit, which can avoid others' misuse, so middle-aged and elderly people still trust the passbook very much.

Even if the passbook is unfortunately lost or stolen by illegal people, others can't handle business in the bank with it, because the bank requires that it must be the account holder himself, with an ID card and a passbook, to handle related business at the counter.Once the staff discovers that the person handling the business is not the same as the information on the passbook, they will not handle it, and may even report to the police directly.

The third advantage is that the passbook is particularly convenient to use, and its usage scope is relatively broad. No matter where you are in our country, as long as you show the passbook, the bank staff will handle the business you need.

It is not only used in cities, but also in some remote towns and villages, so if you are going out for a long trip, taking a passbook will be more secure.

It is not very convenient to carry.

Nowadays, young people, whether traveling or on business trips, mostly bring a few sets of clothes and a mobile phone.

The passbook is relatively large in volume, and the risk of loss when carried on the body is higher. Once lost, you have to reapply for it and report the loss, which is also quite troublesome.

The second disadvantage is that you must go to the bank window to handle business with a passbook, and the window business is relatively cumbersome, so the work efficiency will be lower, which means you have to queue every time you go to the bank.

II. Characteristics of no-deposit depositsNowadays, we have entered an era of convenience, where people, whether at work or in daily life, emphasize minimalism and seek the most convenient methods to save effort.

Most young people use bank cards or online banking when saving money, as online services are now very comprehensive. Therefore, paperless deposits are a more modern, convenient, and lifestyle-appropriate way of saving.

There are no passbooks or any storage receipts; everything can be done with a bank card. However, this may not be very friendly to the elderly, as they may not know how to operate it.

The biggest advantage of this savings method is its convenience. You can handle storage business directly at the bank's ATM with a bank card, without going through various processes, signing, or checking information, which saves a lot of time for everyone.

Nowadays, most companies directly deposit money into their employees' accounts when paying salaries, reducing the possibility of losing money.

However, this savings method also has significant drawbacks. Since there are no passbooks and everything is operated online, any vulnerability in the process may affect the security of your assets.

In recent years, people have found that their information may have been leaked, and these people may have obtained it through the online environment, which is why there are so many telecom frauds.

Especially for middle-aged and elderly people, their awareness of such fraud methods is not strong. Due to unfamiliarity with this knowledge, they are easily deceived and even disclose their transaction passwords.If you have a passbook, to handle deposit business, you must go to the counter. With a bank card, you only need to know your payment password to complete the relevant payment process.

This is also why we have been reminding everyone not to disclose the payment password to others. When inputting the payment password outside, also ensure that the environment around you is absolutely safe.

Once you find that your personal information or transaction password has been leaked, you should change it in time, or directly report the bank card lost to ensure your property safety is not threatened.

The second disadvantage is that many people have reflected that after using online payment or bank card payment, their concept of money has become blurred.

Before, when using cash, every penny was spent from their own hands, which would increase everyone's awareness of frugality. Even if it was just a few tens of yuan spent, there would be a sense of impact in the heart.

But now there are many cases of overconsumption, because people pay directly online, and they don't have a clear concept of money, leading to a continuous decline in everyone's awareness of saving.

Netizens say that with the same salary, a few years ago, they would keep accounts for each expenditure, and they could still save a part of the money every month.

But now, every month is not enough to spend. One is because the current prices are indeed high, and the second is because after using online payment, you gradually lose planning for consumption.III. Differences between Two Savings Methods

Whether in the past or the present, being prepared for potential dangers is the correct attitude towards life. This requires us to plan and prepare for various issues in advance, and the same applies to savings.

The advantages and disadvantages of having a passbook and not having one are quite clear. From a safety perspective, having a passbook is more secure, which is also a form of protection for everyone's deposits.

Moreover, with a passbook, we have to go to the bank every time we need money, thus achieving cash transactions, which can make you more restrained in spending.

Of course, in terms of convenience, a bank card has the upper hand. It is not affected by the geographical environment and can be used for payments anytime and anywhere. Nowadays, online transfer services are also very convenient, eliminating the need to queue at the bank counter, saving everyone's time and improving efficiency.

Nowadays, many people say that it is sufficient to just take their mobile phones when going out because they can complete all aspects of life, including eating, drinking, and traveling, on their phones. Everyone needs to choose according to their own needs.

Having a passbook is safer and more suitable for users who want to store money for a long time, as well as the elderly; not having a passbook is more convenient and more suitable for the current young people.

The second point is the difference in daily management. Everyone needs to take good care of their passbooks, especially in rural areas, and be careful not to let insects damage the passbooks.If you accidentally lose or damage it, you will need to take the relevant documents to the bank to handle the loss report or reissue procedures, which will cause many inconveniences.

Bank cards are more convenient to store, avoiding the problems that may occur in the preservation of passbooks, but if lost, you also need to go to the bank for reissue.

The third point is the difference in daily inquiry methods. As a valid certificate, if you want to check your specific principal and interest income, you need to go to the bank to find the staff to print the relevant documents.

Bank cards are more convenient. You can directly download a bank app, log in with your real information, and you can check your bank balance and transaction status on it.

At present, China's storage environment is relatively complete, and everyone can combine these two methods. Take out a part of the money for long-term deposit to get a passbook, and then leave a part of the liquid funds in the bank card for daily life use.

This can reasonably arrange funds, while ensuring convenience, but also ensuring the safety of assets. The existence is reasonable, whether it is a passbook or a bank card, there are its advantages and disadvantages, everyone should use it properly, let it play its own advantages.

SummaryRegardless of the type of deposit method, for everyone, fixed deposits can help us manage our funds, and its returns are very stable. However, in the past two years, our country has repeatedly lowered interest rates, which will lead to a reduction in everyone's returns.

The current economic market is fraught with too many uncertainties, the pace of economic recovery is relatively slow, and the investment environment is not prosperous. Everyone must guard their own money bags.

The two types of deposit methods are reflections of two eras and also expressions of two different attitudes towards life. Passbooks are more stable, while bank cards are more convenient. Regardless of which one, they all reflect the awakening of everyone's awareness of financial management.