At the same time, the so-called high returns of banks are usually insurance. Insurance has one characteristic. After deposit, it cannot be misappropriated for a short time. If you want to take it all out, you can only wait until the insurance expires. Withdrawing money in the middle is an act of reducing insurance or surrendering insurance, and there will be losses.
Extended data:
Because the human capital theory has established a basic theoretical model that regards the rate of return as investment, it has become the theoretical basis for estimating the rate of return. It is generally believed that the research on the rate of return has the following significance:
First, that is to say, the rate of return can be used as a standard to evaluate the resources invested by a country or region, provide information on the efficiency of resource allocation, and encourage individuals and governments to invest in the rate of return.
For example, by comparing the rate of return with the rate of return on physical capital investment, we can judge the rate of return on investment in a country or region; Another example is the higher rate of return found in most studies, which can encourage individuals and governments to invest more resources in the rate of return.
Secondly, through the study of different groups and different levels of returns, we can judge the rationality of internal resource allocation of returns, including men and women, rural areas and cities, as well as the rationality of resource allocation of various levels and types of returns.
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