Is happiness in Chongqing risky?

Chongqing Bank is a local bank with a striking "deposit insurance" sign at the door. "Happiness deposit" is a deposit type of Chongqing Bank, which belongs to deposit, not financial management. So "happiness deposit" is insured and very safe. Like other ordinary deposits, the interest rate is relatively high, below 500 thousand, which is relatively safe, so you can safely deposit "happy deposits" ?

Does Chongqing Bank Happiness have deposit insurance? I consulted a lobby manager of Chongqing Bank today. Happiness deposit is a special time deposit with deposit insurance, which is higher than the interest rates of the four major banks. China Construction Bank has an annual interest rate of% for the same period.

Chongqing Bank has been approved by the regulatory authorities to develop formal innovative time deposit products. Unique in the market. Similar wealth management products have low purchase threshold, high yield and flexible withdrawal methods, which deeply touched the hearts of consumers. The minimum deposit amount is 6,543.8+0,000 yuan, which is 50,000 yuan and 6,543.8+0,000 yuan more than the minimum deposit amount of traditional wealth management products, so as to meet the annual income wealth management needs of ordinary families to the greatest extent.