5%-8%。 The threshold of private banks is also different from bank to bank, and the annualized rate of return is also different. The yield of private banks of China Merchants Bank can reach 5%-8%. China Merchants Bank was established in Shekou, Shenzhen on 1987, which was at the forefront of China's reform and opening up. It is the first joint-stock commercial bank wholly owned by an enterprise legal person in China and the first pilot bank promoted by the state from outside the system.