Generally, for bank-owned products, Ping An Bank’s interest rates are higher than those of ICBC; for consignment products, interest rates are not as high as those of the company’s direct sales platform. It is recommended to go directly to Harvest Financial Management for 1-month and 6-month regular financial management. The minimum purchase price is 0 yuan, and the return rate is expected to be 4.6~5%. However, the bank purchase price is 50,000 yuan, and the return is 20 points lower.