Depositing savings at banks is considered a safe channel, depositors will inevitably receive a larger sum in the future. This is the least risky investment since deposit rates are always maintained at a stable level. This is also an attractive investment channel for customers because of the "money spawning" feature of this form. When depositing money, customers only need to select the maturity, deposit amount and corresponding to it is the interest rate will be enjoyed during the time that you deposited money at the bank. This investment will be more effective for security lovers as customers will not have to try to make enough money for monthly payments into the bank or as low as the daily rates. Because of these special benefits, the number of participants in saving more and more at banks. However, the form of savings deposits only help customers profit in the short term but not meet the long-term needs of customers such as protection and personal risk prevention.