What is the concept of a bank with 10 billion deposits? Is there really anyone in China who keeps so

10 billion deposited in the bank, in order to be safe, can only be deposited in the four major banks, if the deposit is current, according to the current interest rate, the annual interest is 30 million; If you deposit for a fixed period of one year, the annual interest can be 100 million yuan according to the interest rate; Three-year fixed deposit, according to the deposit rate.

Calculation, the annual interest can reach 100 million, the annual interest alone is the money that many people can't earn in a lifetime, there are 10 billion deposited in the bank, and what you can enjoy must be the top service and treatment of the bank, of course, if you have 10 billion cash, then you can open a bank yourself.

10 billion is a lot of money for the poor, even if the monthly income is more than 10,000, it will take 83,333 years to earn 10 billion without eating or drinking, and if you calculate with a life span of 100 years, you have to be reincarnated at least 833 times. But for the rich, 10 billion is not much, because they may only be able to invest in one or two projects, which is not necessarily enough, from Ma Yun.

This time he cashed out 43 billion, and it can be seen that he should have a big project to do.

10 billion If you don't use a money counter to count money, use manual counting, such as counting 10,000 a minute, then you can only count 600,000 in an hour, and you can only count 14.4 million if you don't eat or drink 24 hours a day, if you want to finish the 10 billion cash, it will take nearly 2 years to rely on a person who doesn't eat, drink or sleep, and if you only order 12 hours a day, then it will take about 4 years.

To sum up, there are only a handful of people in China who can have more than 10 billion deposits, and if there are really 10 billion deposits, if there is no habit of "pornography, gambling and drugs", even if it takes 100 million yuan a year, it will take 100 years, and this is not counting interest.

If you spend 100 million yuan of interest every year, the 10 billion principal will not be used even if you pass away, this is the life of a rich person, and you really can't spend it with money. If you had 10 billion, what would you do?

Almost the richest man in the country. No one saves so much money. If she has a cash deposit of 10 billion yuan in the bank, her annual interest may be tens of millions, and it is impossible for many entrepreneurs to deposit so much live money in the bank like normal people.

It's a concept of being rich, and there are really people who keep so much money in the bank, because there are really a lot of rich people.

A deposit of 10 billion is 10 billion cash flow, and a person worth 100 billion can't take out so much cash.

People with a deposit of 10 billion and a value of at least 100 billion, what **** is virtual, people with this deposit can make headlines the next day when they eat instant noodles, and they are the vanguard of the common prosperity policy

Such a person estimates that the bank will supply him, this is simply the God of Wealth. China is so big that there are such people, and the world is so big!

There are 1.4 billion people in China, and there are only a few hundred people who are more than 10 billion, and they are the richest people in the cities scattered in various cities, and you are also a rich man in the places where the rich people gather in Beijing.

Bank of China is the most influential and authoritative bank in China. Large certificates of deposit are equivalent to time deposits, which are very safe and do not need to be worried.

It's safe, rest assured.

If it is not safe to deposit money in Chinese banks, then there are no safe banks.

Regular, big banks should be safe. Now the safest thing to do is to lose, financial management is not grasped, but in the end, each bank Fu Hu Qingxing deposit 500,000, eggs to be basketed more safe.

As long as you are a regular large-amount certificate of deposit deposit with the Bank of China, it is definitely safe. Don't nest any corporate loans.

The Bank of China is relatively safe, but it is better not to deposit so much money in the bank for a fixed term.

This is currently the safest deposit, and Bank of China is one of the four major banks in China.

Deposits in the bank are safe. The premise is that the card PIN is secure.

Click online to check the deposit, as long as the bank card and password are not handed over to others to manage, there is basically no problem.

1. Banks have always liked large deposits and will definitely give interest. The deposit of 10 billion yuan is a large-amount certificate of deposit.

At present, the issuance of large-denomination certificates of deposit adopts the electronic method, and the maturity of large-denomination certificates of deposit includes 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years, a total of 9 varieties. The state will monitor the cash deposit of more than 200,000 yuan in a single transaction or in a cumulative amount of RMB transactions on the same day, or the equivalent of more than 10,000 US dollars in foreign currency transactions.

2. Deposit interest rate.

It refers to the currency deposited into the bank account by the customer according to the agreed conditions, and the interest amount is the same as the loan amount for a certain period of time, that is, the interest rate of the principal. There are current interest rates and regular interest rates.

There are year, month and day interest rates.

Extended Materials. 1. Interest is the fee for the use of money for a certain period of time, which refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or monetary capital. This includes interest on deposits, loans, and interest on various bonds.

in the capitalist system.

The source of interest is the surplus value created by the wage labourers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit.

II. Definitions. 1. Money other than the principal obtained from deposits and loans (different from'Principal')。

2. Interest (interest) in the abstract refers to monetary funds.

The amount of value added when it is injected into the real economy and repatriated. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

3. Interest is the remuneration obtained by the owner of the fund due to the lending of funds, which comes from the part of the profits formed by the producer using the funds to perform operating functions. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate deposit period x 100%.

I think there are really very few people in China who have a deposit of 1 million now, and if you say that you are worth 1 million, there may be many people, but if it is a deposit, it is really very small. After all, the vast majority of us are ordinary people, not characters like Wang Jianlin and Ma Yun. Some people may think that 1 million is very little, many people have houses and cars, which is hundreds of thousands, but this is real estate, not a deposit.

In today's society, the reason why 1 million doesn't feel like much is because every family has a house with hundreds of thousands or millions of properties, so they don't feel that this money is a lot. But if it is converted into deposits, then there are really few such people, and if a person really has so much money, he will never deposit the money in the bank to eat interest, and many people will do financial investment. Although banks also have a certain amount of interest, it is really small compared with those investment and financial management.

According to data released by the central bank, before 2019, there were only 6 million accounts with a deposit balance of more than 500,000 yuan in the country. After the epidemic in 2020, it is estimated that this number of people will have to be folded in half, because we have been hit too much in the past two years, many people have lost their jobs, spent money like water, and have no economy**. Every industry is very difficult, workers are always afraid that they will lose their jobs, and those who do business are afraid of encountering lockdowns again.

It is not easy to support yourself in the past two years, and it is really difficult to save money.

To be honest, most of us are at the bottom of society, we can solve the problem of food and clothing is already a very difficult thing, the money earned every month is not very much, and the expenses are particularly large, whether it is a car loan, a mortgage or children's expenses, which makes many people become a moonlight family, because there are more young people now, everyone spends money more freely, and will not think about saving money at all, nor will they think about the future.

I think there are a lot of people with 1 million savings in this society now, because there are many people who have bought houses in big cities, and the value of this house is definitely more than 1 million.

According to the statistics made by the relevant departments, only the population in the country has more than 1 million deposits, which means that only more than 2 million people in the country have more than 1 million deposits.

I think there are only 10% of people, because there are many people who can't take out a deposit of 1 million, so we must look at it rationally.

I will use this money to invest, and I will also make appropriate asset allocation.

In a sense, a deposit of 1 million can do a lot on its own. If 1 million is only used for bank savings, because the annualized interest rate of current savings given by many banks is only about 10%, the interest rate on fixed deposits is only about 10%, so the return on investment is not so high. If we want to achieve a higher return on investment, we need to take a more proactive approach to managing our assets.

One, I will use this money to invest.

Because the 1 million deposit itself already has a certain amount of funds, I may choose to use 1 million yuan for investment. Before participating in the investment, I will choose to use the funds reasonably through asset allocation, and at the same time, I will fully evaluate my risk tolerance and investment logic, and I will pay more attention to the safety and stability of assets. <>

Second, I will use about 50% of this money to buy ** products.

Because I am not a professional investor, I may choose to spend 50% of the proportion to buy ** products, because I think this is to leave professional things to professional people to do, and this behavior can further ensure their own safety. At the same time,I would choose to buy mainly passive types that are relatively conservative, and at the same time I will allocate an appropriate proportion to invest in equity funds**. <>

3. I will use about 30% of this money to buy bond products.

This concept involves:Equity and debt rebalancingAt the same time, I will choose to take out an appropriate proportion to buy bond products, so as to further control the investment risk. Because I am personally a person with a high level of risk aversion, I will pay more attention to my own safety, and I will pay more attention to the certainty of investment returns, rather than obtaining excess returns through so-called aggressive investment methods. <>

I will find a professional financial advisor and ask him to help me manage my finances with the 1 million, and I will not touch the principal of the 1 million, but will only spend the interest earned by the financial management.

I might use it to make some investments, or ask a special person to look at some ** and so on. Money is the best result.

I will use this money to invest so that the money can make money.

3 All questions: Are there really a lot of people who have 1 million deposits in China? After reading it, I know!

The numbers given vary depending on the version, but we can also get a glimpse of it. According to the latest data from 2018, the number of millionaires in China reached 3.48 million in 2018, ranking second in the world, compared with 10,000 in 2017. Millionaires here are in dollars, though.

In other words, China's current 3.48 million people have a wealth of more than 6 million yuan. If this is the case, then people with more than 1 million yuan are conservatively estimated to be more than 5 million.

With a deposit of 1 million, of course, it is not an ordinary person. You must know that China's current M2 consumption is about 180 trillion, and the per capita consumption is not more than 10,000. However, the deposits in the hands of residents account for only one-third of the M2 consumption, and the per capita deposit is 10,000 yuan.

There are 1 million deposits, more than 20 people's per capita deposits, it can be said that China's top 2% exists, do you say this is an ordinary person? Now it seems that many families have assets of millions or even tens of millions, but in fact, the main asset is the house. For families with only one house, no matter how valuable this asset is, it can only be used to live in, not consumed.

But in terms of purchasing power, 1 million is not much. Take the first-tier cities as an example, the housing price is 100,000 square meters, and 1 million is only enough to buy a bathroom. This is equivalent to ordinary people working hard all their lives and not being able to buy a toilet in a first-tier city.

Therefore, whether you want to admit it or not, the current society has begun to divide into classes, and the classes are gradually solidifying. People often feel anxious because they can't make the jump up the ladder.

Of course, in real life, it must not be calculated in this way, the lower the income, the heavier the burden, and there will be some other necessary overspending, but even so, 1 million is no longer a wealth that most people cannot accumulate in a lifetime. If it is considered an asset, as long as there is a house in a first-tier city, it is not a problem to easily have assets of more than one million, or even several million. So a lot of times it's really better to earn more than to have a good eye.

Four, five times. For 100 million households, the average value of each property is between 600,000 and 900,000. Therefore, if a family sells a house, it is easy to have a deposit of 1 million yuan.

If there are no housing loans, car loans and consumer loans, there are really not many people in China who have more than 1 million yuan in bank deposits. Some people may say that many people have a fortune of more than one million now, but don't forget, that includes real estate, etc.

There is also a kind of ** of the 1 million deposit, if it is a demolition or 1 million obtained by winning the lottery, I think the person who deposits like this must be an ordinary person who can't go to the ordinary. And through his own efforts, perseverance, and the 1 million he has accumulated little by little, he must not be an ordinary person, he must have a kind of wit that surpasses ordinary people.