As the lobby manager of a state-owned bank, I can tell you clearly: If you have 1 billion cash to deposit in the bank, as long as the money is legal. It's not that you go to the bank, it's that many bank presidents visit your home and offer you the conditions for opening deposits, so you can choose for yourself.

1 billion is a huge sum of money, and many bank branches have no total deposits of 1 billion. You can save 1 billion yuan at once, which can be said to support a bank outlet on your own. What you enjoy is definitely super VIP treatment.

1. Interest rate

The interest rate for rich people to save money is different from that of us ordinary people.

just like the regular year of a state-owned bank, we ordinary people deposit it at an interest rate of 2.1%. But if you want to deposit 1 billion yuan for a fixed year, it will definitely be met by the leaders of provincial branches, and the interest can definitely be above 5.%.

this interest rate seems to be low, but you should know that the general steady financial management of banks now has a yield of only about 4.%. By contrast, if you deposit interest for a fixed period of one year, it will far exceed the income of other people's financial management.

With a deposit of 1 billion yuan, the high probability bank recommends you to buy private equity products. Without a guaranteed interest rate of more than 1.%, you will definitely not be able to stay.

2. Go to the bank to do business at ordinary times

When we go to the bank to do business, one of the biggest problems we face is queuing. It usually takes only three minutes to run this business, but it takes half an hour to queue up.

You have a bank deposit of 1 billion yuan. Every time you want to do business in that bank, you just need to call in advance. The manager of the bank over there will help you keep the parking space, make the tea in the VIP room and keep the counter position in the VIP room.

after you arrive at the bank, you will be directly led to the VIP room to have tea and snacks, and then you will finish your business happily.

3. Hold a black bank card and enjoy preferential activities such as boarding the green channel, transferring to pick up the plane, hotel discounts, etc.

with a bank deposit of 1 million yuan, you will definitely get a black card representing the highest identity level of customers.

With black cards, many banks can take the green channel when boarding the plane, and they can reserve a shuttle bus when getting off the plane. Then many five-star hotels across the country can enjoy VIP discounts with black cards.

4. Financial management services of private banks

At present, big banks provide one-to-one specialized bank account manager services for their super-large customers.

You can always call your exclusive account manager and ask her to give you professional advice.

even, you can set up your own exclusive service manager. The bank will definitely meet all your reasonable requirements.

we will calculate it according to the ordinary interest of the bank.

1. Current account

The current interest rate is extremely low, the state-owned bank only has .3% (.3), and 1, yuan is deposited in a current account for one year, and the interest rate is only 3 yuan.

If one billion lives for one year, the interest generated in that year is:

1133 million

3 million a year, which is 25, per month on average. What financial freedom is, not to mention at all. Even a family of five, who used to live a luxurious life, had no pressure at all.

2. Fixed term for one year

At present, in state-owned banks, the annual interest rate is 2.1%, and one billion deposits are fixed term for one year. After the maturity, the interest is:

12121 million

The annual interest is 21 million, with an average of 1.75 million per month and 58, per day. I dare say that there are absolutely no more than 1 rich people in China who can spend so much money.

Do you have to spend 21 million yuan a year, or do you have to spend so much every year? If you have any worries, it's why you have to spend all your money.

3. Fixed term for two years

At present, the interest rate of state-owned banks is 2.6% for two years, which is not very different from that for one year.

1 billion yuan is deposited for two years, and the interest earned after maturity is:

1 1 26 252 million

The interest for two years is 52 million, averaging 26 million per year, averaging 2.17 million per month, and averaging 72, per day.

What you should do every day is to drive a cruise ship, take a group of beautiful young ladies and enjoy the fun of life.

4. Three-year fixed term

At present, the interest rate of state-owned banks is 3.25% for three years, and the interest after the maturity is:

1 1 325 397.5 million

The three-year interest rate is close to 1 million. You only need to play at home for three years to achieve "a small goal". The speed of Qian Shengqian is so horrible! !

You said that you want to have breakfast in the space station in the morning and watch sharks in the submarine at night, which is absolutely enough.

5. national debt

the interest rate of the latest national debt is 3.4% for three years and 3.57% for five years. Moreover, the advantage of national debt over term is that interest can be collected every year.

if one billion buys three-year treasury bonds, the annual interest can be:

3,41,,,34 million

if one billion buys five-year treasury bonds, the annual interest can be:

3,571,,,35.7 million

If it is given to an ordinary family, If this interest is stored in Yingbin again, the interest generated will be enough to make a family of three financially free.

without considering the interest on saving money, we will spend this billion now.

if it takes 5 years to spend this billion yuan, it will cost an average of 2 million yuan a year.

if it takes 3 years to spend this billion yuan, it will cost 33.33 million yuan every year.

if it takes 2 years to spend this billion yuan, it will cost 5 million yuan every year.

it can be said rudely that if you don't have bad habits, you just spend lavishly, and you want to lose all this billion dollars in your life, it will be very difficult.

the bank deposit of 1 billion yuan is enough to ensure that your children and grandchildren will live a carefree life for three generations.

He will be your vice president, and you will be the president.

Your front bank will save money, and your back bank will be closed down, and 1 billion will become 5,. This is a fast way to spend money [laughs]

Dad, you are here!

Zhang San has 1 billion in cash and 2 billion in fixed assets. He doesn't want to make any more money, so he deposits it in the bank and won't talk about interest. Directly raised by 2bp. The president directly promised that these can be raised because of the large agreed deposit of 5 million yuan, but the president still actively promoted the portfolio, because there are intermediary fee income and personal commission. Zhang San can't bear it. Bought 1 billion in stocks. Live on the rent of 2 billion fixed assets.

If I had 1 million yuan, I would definitely put all this money in the bank for safekeeping, so that the bank would give me oil and rice, which would save me some expenses.

and I won't choose a big bank. I'll pick the last small bank from my home and deposit it, so that I can see if my money is there every day.

when the president gave me something on holidays, I was closer, otherwise, how could I move the rice and oil? If all the cake cards are issued, these are fine, not too heavy, but they are all cake cards, and I can't finish them.

It's convenient for the president to invite me to the office for tea. I heard that Wuyishan black tea is the tea in the bank.

During the Spring Festival, Mid-Autumn Festival and other festivals, the president will bring some fruit to visit, and I can also drink tea specially provided by the bank at home, and then listen to some compliments and blessings from the president.

I keep my 1 billion principal in the bank, so I spend interest every day, and the interest every day should be 1,, which I earned only after working for two years.

With this money, I can stop working every day, stay at home every day and never punch in again.

I'll give back my credit card, debit card and flowers first, and of course I'll leave some money to pay back my monthly mortgage.

Then I will open members of iQiyi, Youku, Tencent and Fiction websites. From then on, there will be no advertisements. I can brush whatever dramas I want to watch, and I will never wait a week to catch up with those members who make money.

I downloaded all my favorite games, which cost 2 yuan a month. I am no longer a zero-yuan party or a first-time party. I also experience the feeling of being a RMB player in the game.

I will take a bucket of mop in buy buy. I don't want to mop the floor any more, so I have to go to the bathroom to wash it. It's too much trouble, and I must buy a clean rag for cleaning.

when we eat, we all order take-out. We can order whatever we want. I'll order from his house depending on which take-out coupon is big. I don't have to worry about running out of money and cooking by myself.

Then, change the furniture at home into big brands, buy IKEA's, and change the wardrobe into a whole house custom-made one!

the mobile phone was replaced by the new Huawei, the flagship pro version with more than 5, phones.

when you go out, you don't have to go to the bus stop any more, just call Didi and Flower Pig!

I'm sure I won't use up the monthly interest of 1, yuan, and there will be some savings at the end of the month. Save these savings.

I can marry a wife when I have saved enough money for the bride price.

The wife wants the kind of person who is diligent and keeps the house, and it is better to do cleaning and mopping the floor, because I don't like mopping the floor.

and my wife will play games with me when she is not at work, and help me practice a trumpet in the game.

but I won't give her krypton gold for playing the trumpet.

I will call the police immediately, and the CBRC and the police uncle will let you explain the source of this cash. When you step out of the gate of the Economic Investigation Bureau after your explanation, there will be 6-12 senior bank managers waiting for you

It will provide a lobby manager position for your relatives

As the boss of local financial institutions and rural commercial banks, it is the first choice bank for many people. As a branch manager, I can tell you clearly: if you have 1 billion cash to deposit in the bank, as long as the money is legal. It's not that you come to me, but that I will visit your home and ask you for terms, such as financial management, certificates of deposit, regular savings or other financial planning, and I can satisfy you.

1 billion is a huge sum of money. Many bank branches have no total deposits of 1 billion. The total deposits of my branches add up to 65 million yuan. You can save 1 billion yuan at once, which can be said to support our bank outlets on your own. What you enjoy is definitely the super VIP treatment that our bank can give you.

In real life, no one will keep a deposit of 1 billion yuan to eat deposit interest or wealth management income. You can choose your own investment channels and suit your own financial management methods.

You need to be cautious in managing your finances and investing in non-savings. As a professional financial planner, I remind you that "eggs can't be put in one basket".

Last month, the US futures market found an account opened in Hong Kong, with more than $118 billion in the account. It is estimated that it should be a Chinese account. Due to the huge amount of funds, I started to investigate all the transactions in the account, and magically found that every transaction in the account was a normal transaction, and the initial opening capital of the account was $58,. US$ 118 billion is converted into RMB more than 76 billion. Therefore, please ask the landlord not to take out 1 billion to say things, which is a bit humiliating.