In fact, the difference in bank wealth management income is not that big, because everyone makes a "choice" on an asset target with a "risk level", so it is generally between 3.5% and 5%. Generally speaking, the deposit interest rate and wealth management income of small and medium-sized banks will be higher than that of large banks. Because large banks have more outlets, they have stronger ability to absorb public and private savings and lower costs, while small and medium-sized banks, especially city commercial banks, can only attract funds through higher interest rates and income.
For example, we can pay attention to the "bank smart deposit" products of small and medium-sized banks, 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 For example, the demand product "Sanxiang Bank Demand" can be withdrawn in advance, with a yield of about 3.9%, which can be accessed at any time, with interest bearing on the same day, unlimited holidays, withdrawal on any natural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!