The interest on where the money is deposited is up to 10, and the interest is highest where the mone

At present, the interest rate of large state-owned banks and national joint-stock commercial banks for deposits below 10 million yuan will not exceed the benchmark interest rate by 55%, but there are not a few small and medium-sized banks that exceed 100%. Therefore, when applying for a fixed deposit at a bank, if the funds are sufficient, the preferential choice is to choose a large-amount certificate of deposit, and the interest rate of a large-amount certificate of deposit will always be higher than the ordinary fixed interest rate. If you want to say that the safest way to save money, it should be the bank, the money in the bank is not only risk-free, but also interest-bearing.

But in recent years, with the prevalence of wealth management products and third-party payment, the people's savings channels are more, as the elders of the older generation of banks are still the best practice, but many of them are now different, they are more receptive to new things, some friends will choose to buy some low-risk currencies ** or invest in financial products, not only low risk, income is also good. In fact, there will be risks in the existence of money, even if it exists in the bank, it is not foolproof, but we can reduce the risk and choose some more reliable and regular large platforms, and the income will be more stable. High yield means high risk, that's ironclad, so don't blindly go for high interest rates.

At present, the deposit methods of banks mainly include demand deposits, time deposits, lump sum deposits, agreed deposits, agreement deposits, call deposits, etc., and the deposit interest rates of different banks are different, taking time deposits as an example: the central bank (Bank of China (Agricultural Bank of China (Industrial and Commercial Bank of China) (China Construction Bank (Bank of Communications (Postal Savings Bank (China Merchants Bank) (Shanghai Pudong Development Bank) (China CITIC Bank) Huaxia Bank (Industrial Bank (Industrial Bank (China Everbright Bank (Minsheng Bank (. Take demand deposits as an example:

The benchmark interest rate of the central bank (the four major banks (China Merchants Bank (Bank of Xiamen) (Bank of Quanzhou). Taking currency ** as an example, the currency ** that we often come into contact with is mainly the Yu Yu Bao of the Alipay platform and the wealth management pass of the WeChat platform, and the income of the wealth management pass and the Yu Yu Bao is actually the income generated by the currency**, and the money that users put into the wealth management pass or the Yue Bao is equivalent to buying a certain ** of their docking. At present, Wealth Management Connect has docked with nine currencies**, namely E Fund Wealth Management, Hui Tianfu Yue Bao, Jia Cheng Jin Tianli, Huaxia Fortune Treasure, Nanfang ** Cash Pass E, Fu Guo Fu Wallet, Industrial and Commercial Tianyi Dollar Currency, China Merchants Zhao Qian Bao and Penghua Value-added Treasure.

Yue Bao docked thirteen currencies**, including Tianhong Yue Bao**. The seven-day annualized return of Wealth Management Connect is around 3%, and the seven-day annualized rate of return of Yue Bao is around the same.

For the matter of saving money interest, I think Alipay's Yue Bao interest is still quite considerable, if you still want to be higher, you can find some stable ** in Alipay, stable ** will rise and fall, but in the long run, the income will be higher, but I recommend still doing investment, after all, money is a depreciation asset. However, this is risky and only recommended. I wish you more and more earnings.

Financial management, but don't choose the kind that is too high, too high to estimate the risk will be large, the bank has restrictions.

Bank interest is calculated according to the interest rate, according to the current central bank's deposit interest rate, the benchmark interest rate of major banks is stipulated as follows: current three months, half a year, one year, two years, three years, five years.

Further information: From the borrower's point of view, the interest rate is the unit cost of using the capital, which is the amount paid by the borrower to the lender using the lender's monetary capital**; From the lender's point of view, the interest rate is the rate of return that the lender receives for lending money capital. If i is used to denote the interest rate, i is used to denote the interest amount, and p is used to denote the principal, then the interest rate can be expressed by the formula as:

i=i p In the modern economy, the interest rate as the capital of the first is not only subject to many factors in the economy and society, but also the change of interest rate has a significant impact on the entire economy, therefore, modern economists in the study of interest rate determination, pay special attention to the relationship between various variables and the balance of the whole economy, interest rate determination theory has also experienced the classical interest rate theory, Keynesian interest rate theory, loanable funds interest rate theory, IS-LM interest rate analysis and the evolution of the contemporary dynamic interest rate model, Development process.

Keynes believed that saving and investing are two interdependent variables, rather than two independent variables. In his theory, money is controlled by banks and is an exogenous modulo variable with no interest rate elasticity. At this point, the demand for money depends on people's psychological "liquidity preference".

The theory of the interest rate of loanable funds is the interest rate theory of the neoclassical school, which was proposed to revise Keynes's "liquidity preference" interest rate theory. To some extent, the theory of the interest rate on loanable funds can actually be seen as a synthesis of classical interest rate theory and Keynesian theory.

Hicks, a well-known British economist, and others believed that the above theory did not take into account the factor of income, so it was impossible to determine the level of interest rates, so in 1937 they proposed the IS-LM model based on the general equilibrium theory. Thus a theory was established that interest rates and incomes are determined simultaneously by the interaction of four factors: savings and investment, monetary demand, and money demand.

According to this model, the interest rate is determined by four factors: the supply of savings, the need for investment, the supply of money, and the demand for money. This theory is characterized by a general equilibrium analysis. Under a relatively strict theoretical framework, this theory organically integrates the commodity market equilibrium of classical theory and the money market equilibrium of Keynesian theory.

Marx's interest rate determination theory is an interest rate theory that considers the role of institutional factors in interest rate determination from the perspective of interest rate determination and substance, and its theoretical core is that interest rates are determined by the average rate of profit. Marx believed that under capitalism, interest is a part of profits, a form of conversion of surplus value. The independence of interest is of positive significance for truly showing the active role played by the users of funds in the process of reproduction.

1. Installment deposit method. The specific operation is: 12 certificates of deposit (one-year certificate of deposit (three-year certificate of deposit (five-year period) 12 certificates of deposit 1 per month, 1 year 12 certificates, 1 month from the second year onwards, 1 certificate of deposit expires every month, and the principal interest plus the newly invested money is transferred again.

36 certificates of deposit (with a higher interest rate for three-year terms) and so on. 60 certificates of deposit (with a higher interest rate for five-year tenors) and so on.

This is suitable for people with relatively stable incomes and relatively low costs, and the key is that you can save a lot of money every month, because if you can't take it out, you won't spend money indiscriminately.

2. Save separately. Suppose you have 1W of cash, you can divide it into 4 different amounts, namely 1k, 2k, 3k, 4k, and then deposit all these 4 certificates of deposit into a one-year fixed deposit. Whenever you need money within a year, you can withdraw the certificate of deposit that is close to the required amount, so as to meet the needs of money and maximize interest income.

This method is suitable for small amounts of idle funds that are expected to be useful within a year, but are not sure when to use it and how much to use it at one time. Not only will the interest rate be much higher than if you save in the living period, but you will also be able to withdraw the funds you need with minimal loss when you use the money.

3. Fixed deposits. The most cost-effective way to save money every month is to make a fixed deposit, and the coal period is to deposit 1,000 yuan or 2,000 yuan into the bank card regularly when the salary is paid every month, so that there is a revolving interest.

This method depends on one's own investment ability circle, that is, risk tolerance and investment experience, and it is also an effective way for conservative investors to keep their money in the bank or buy risk-free products such as treasury bonds.

4. Twelve certificates of deposit method. As the name suggests, there are 12 months in a year, and the 12 certificate of deposit method is to save each month's salary for one year, so that you can spend the salary of the same month in the same year when you reach the second year or Zheng. Of course, you can also spend more than one year of interest paid by the bank.

This method is suitable for savers who have the perseverance to keep saving.

5. Alternate deposit method. If you have 20,000 yuan, save one w for half a year, and the other one for one year, and after half a year, you will renew the mature deposit with interest for one year, and then change it to automatic rollover. In this way, a certificate of deposit will expire every six months, and the slag can be withdrawn or renewed.

6. Tiered certificate of deposit method. When you suddenly have a large amount of money, it is suitable to use the ladder deposit method, taking ten w blocks as an example, and dividing it into two w, three w, and five w three parts. Among them, two W's are saved for one year, three W's are saved for three years, and five W's are saved for five years.

It can be renewed and withdrawn at maturity, and it also avoids the loss of high returns due to the urgent use of money to break the long-term deposit certificate of 10W.

The most cost-effective ways to save money with high interest rates are as follows:

1. Some of the money chooses different deposit periods, and the general time deposit is higher than the current interest change;

2. It is most suitable to choose a three-month fixed deposit in a small amount, which can ensure the flexibility of funds;

3. The bank's wealth management products, the latest wealth management products can be purchased, because the income is the highest. (There are risks in entering the market, and investment needs to be cautious, please understand the risks before deciding whether to buy.) ）

Extended Information: The latest interest rate table of bank deposit rates 2021 is as follows:

1. Deposits of urban and rural residents and units.

a) Current. b) Periodically. 1.Whole deposit and whole withdrawal.

Three months, half a year, one year, two years, three years, five years, 2Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit and interest.

One year, three years, five years, 3Fixed two pence: 6% discount at the interest rate of the same grade according to the regular lump sum deposit within one year.

Agreement Deposits. Call Deposit Hail Return

Seven days a day. 1. How to calculate the interest on bank deposits.

When calculating the interest on savings deposits, the principal is based on "yuan" as the starting point, and the corners and cents below the yuan are not interest-bearing, and the amount of interest is calculated to the quantile and rounded off below the quantile. Interest is calculated to the nearest centimeter level, and the total interest is rounded to the nearest percentage.

2. Conversion of interest rates.

The conversion relationship between the annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days); Monthly interest rate = annual interest rate 12 (month) = daily interest rate 30 (days); Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days). The interest rate should be consistent with the deposit period.

1) The starting point of interest calculation in the interest calculation formula.

1. The starting point for calculating interest on savings deposits is RMB, and no interest is paid on the dimes below RMB;

2. The interest amount is calculated to the cent, and the centim is rounded to the centim when the actual payment is made;

3. Except for the annual settlement of current savings, which can transfer the interest to the principal to earn interest, all other savings deposits of all sources will be paid off with the principal at the time of withdrawal, regardless of the deposit period, without compound interest.

2) The calculation of the deposit period in the interest calculation formula.

1. The method of calculating the deposit period is not the end of the calculation;

2. Regardless of the big month, small month, ordinary month or leap month, it is calculated as 30 days per month and 360 days for the whole year;

3. The maturity date of all kinds of deposits is calculated on a year-to-month basis, and if the account opening date is the missing date of the maturity month, the last day of the maturity month is the maturity date.

3. How to carry out the bank deposit inventory.

The method of checking bank deposits is to reconcile the accounts

reconciliation of journals with general ledgers;

Reconciliation of journals with receipts and payment vouchers;

Reconciliation of journals with statements;

General ledger and receipt and payment voucher reconciliation.

Small and medium-sized banks will have higher deposit rates than large banks. Because large banks have enough outlets, they have a stronger ability to absorb savings from both public and private sectors, and their costs are lower.

The interest rate of the bank in China is the same! You see that bank is convenient!

You can consider buying **** to increase your income.

At present, the interest rate on deposits of all banks in China is the same.

Abroad... The country is unified.

Don't you think it's more practical to buy a lottery ticket?

Summary. Kiss <>

<> happy to answer your questions<>

The interest rate of money deposited in the postal bank is the highest, and the interest rate of the money deposited in the postal bank, the industrial and commercial bank of China, the Agricultural Bank of China, the Bank of China, and the construction bank is the highest. Post Bank. The highest interest rate is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate from three months to five years is significantly higher than that of the five major banks, especially the three-year term is very <>obvious

Depositing <> money** has the highest interest.

Kiss <>

<> happy to answer your questions<>

The interest rate is highest when the money is deposited in the Postal Bank, and the interest is the highest when the money is deposited in the Postal Bank, the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Bank of China, and the China Construction Bank. Postal silver calendar congratulatory line. The highest interest rate is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate from three months to five years is significantly higher than that <>of the five major banks, especially the very vertical rate of three years is obvious

Kiss <>

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Interest refers to the fee for the use of money for a certain period of time, and is the remuneration received by the creditor for lending money or monetary capital to the borrower. The essence of interest is one of the forms of transformation of surplus value, which is a part of profits, mainly including deposit interest branches, loan interest and interest on various <>bonds

<> is it high in the bank, or is it high in the balance treasure?

Kiss, there is a relatively high balance in the treasure of the <>

Is the interest rate higher than that of the <> bank?

There are 600,000 in total.

Dear, the interest rate is higher than that of the bank<>

<> dear, if you have a large amount of deposits, there is a relatively high <> in the bank

<>Then I'll be in Yue Bao.

Higher than the bank's words.

Dear, the words of a large deposit are in a state of flux to change the pure bank a little higher, just did not see you say that it is 600,000, a large amount of deposits are stored in the Yue Bao is not very safe, it is recommended to deposit in the bank, oh <>