The high interest rate of Luzhou Bank relies on deposit and loan spreads, intermediary business and credit card business to make money.

First, the deposit and loan interest rate difference. That is, the cost of absorbing public deposits is lower than the income generated by lending to the public, and the difference is the income generated by banks through deposit and loan business, which is the main source of income for banks.

Second, intermediate business. For example, small account fees, annual account fees, inter-bank transfers and other fees, such income is generally the handling fees and settlement fees charged by banks, and some wealth management products will charge a certain service fee.

3. Credit card business. The main sources of income are: annual fee for the first year, business card printing fee (replacement card), installment interest fee, etc.