Demand deposit and time deposit: according to the regulations of the central bank, the demand interest rate among deposit interest rates is 0.35%, and the benchmark interest rates for one-year, two-year and three-year time deposits are 1.5%, 2. 1% and 2.75% respectively. At present, large banks basically implement the benchmark interest rate, while small and medium-sized banks basically float. Under normal circumstances, the interest rate of three to five-year time deposits is around 3% to 3.5%.
Large deposit certificate: the purchase threshold is relatively high, generally it needs 200,000 yuan, and the interest rate is about 4%. The interest rate of large deposit products of small and medium-sized banks will be higher.
Structured deposit: financial derivatives (including but not limited to forwards, swaps, options or futures) are embedded on the basis of ordinary deposits, and the income is linked to financial or non-financial objects such as interest rate, exchange rate, stock price, commodity price, credit and index. The "interest rate" is around 5%, but there is no promise of "risk".
Smart deposit: Smart deposit products jointly issued by commercial banks and Internet companies enjoy the deposit insurance protection system. 100% of the payment is less than 500,000 yuan, and some "current" products can be accessed at any time, with interest bearing on the same day and real-time payment on the same day. For example, there are some demand bank deposit products on the platform of Du Xiaoman Wealth Management APP (formerly Baidu Wealth Management), such as "Sanxiang Bank Demand", which can be withdrawn in advance, with a yield of about 3.9%, and can be accessed at any time. The value can be taken on the same day, and it can be withdrawn on any natural day, and it can be paid in real time on the same day, without trading days, within 500,000 yuan 100%.
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!