Generally speaking, the deposit interest rate of small banks and the income of wealth management products will be higher than that of big banks. Because big banks have enough outlets and "money veins", their ability to absorb public and private savings is stronger and their cost is lower. Small and medium-sized banks, especially city commercial banks, have weak ability to absorb and store public-private funds and can only attract funds through higher interest rates and higher returns.

You can also pay attention to "bank smart deposit" products, and pay 100% within 50W according to the deposit insurance guarantee system. There are some products on Xiaoman Wealth Management APP (formerly Baidu Wealth Management) platform, including demand and fixed bank deposits. For example, the demand product "Sanxiang Bank Demand" can be withdrawn in advance, with a yield of about 3.9%, which can be accessed at any time, with interest bearing on the same day, unlimited holidays, withdrawal on any natural day, and real-time arrival on the same day, with no trading day limit and no limit; For example, the term bank deposit product "revitalizing smart deposits" has a maturity rate of around 4.8%.

Specifically, you can search for "download link of Du Xiaoman Financial APP" or follow "Du Xiaoman Technology Service Number" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!