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近几年来,随着国家各项惠农政策的实施和农村经济的日益发展,农民朋友手中的余钱也越来越多。但如何打理这些钱,却成了不少人头疼的事。理财专家建议,农民朋友可以选择以下几种方式进行理财。1.优化组合储蓄灵活组配储蓄方式,将钱分成几部分存入银行,比如随时支出的生活费用可选择活期储蓄;闲置不用的钱可选择定期存款,期限宜选择短期定期存款。此外,成为农村信用社的社员,可以享受经营分红。在确保资金安全的前提下,可申请将部分存款转成农信社股金,股金红利一般会大大高于
In recent years, with the implementation of various preferential agricultural policies and the growing rural economy, more and more money remains in the hands of peasant friends. However, how to take care of these money, but it has become a headache for many people. Financial experts suggest that farmers friends can choose the following ways to finance. 1. Optimize the combination of savings Flexible combination of savings, the money is divided into several parts into the bank, such as the cost of living expenses can choose to live on time savings; idle money can choose to deposit, the duration should choose short-term time deposits. In addition, as a member of rural credit cooperatives, you can enjoy the operating dividends. Under the premise of ensuring the safety of funds, they may apply to transfer part of their deposits into RCCs’ share capital. Dividend bonus generally will be much higher than