The fixed interest rates for one year to three years are 2.025%, 2.835% and 3.7 12% respectively. If depositors apply for one-year fixed interest rate, the income generated by 50,000 yuan is about 1 102.5 yuan.

In some towns and villages in China, the one-year fixed interest rate of individual rural credit cooperatives is 3.30%, the two-year fixed interest rate is 3.75%, and the annual deposit interest rate rises by more than 60% on the basis of the central bank's benchmark interest rate. Therefore, if depositors deposit 50,000 yuan in such financial institutions for 1 or 2 years, the final annual income will be between 1.650 yuan and 3,300 yuan. But the annual income exceeds the time deposit business of most commercial banks. From the perspective of time deposits, the income is obviously higher than the interest generated by ordinary time savings offices of rural credit cooperatives, and it also exceeds many money funds and wealth management products.