1, the flexibility is really good. The current deposit that can be signed can be automatically converted into a living treasure, and the redemption mode is automatically triggered by cash withdrawal or transfer, which saves a lot of complicated operations and avoids unexpected losses caused by forgetting to sign the contract or not signing the contract in time due to business trips, work and other reasons. In addition, the active treasure account can be withdrawn at any time, and it can be automatically signed for redemption during non-trading hours including weekends and holidays. These two points are rarely compared with domestic similar products;

2. The biggest failure is that "T+ 1" starts to calculate interest on the same day. Everbright did something here, which was very unkind, and used "T+ 1" to hedge the higher yield. For frequent new shares, it is not cost-effective;

3. Although the interest of the current account is "T+ 1", the money is transferred from the current account to the current account at night, which means that you can still get the interest of 0.36% on the day of "T+0", not nothing, drinking and drinking;

4. The clown pays last week's income every Wednesday;

5. The daily interest is the annualized rate of return 1.68% divided by 360 instead of 365, which is consistent with money market funds.

The design concept of product classification management, which started in June and April, is novel and commendable. High-end customers can sign up for Lifelong Bao B, with an annualized rate of return of 1.88%, at the cost of a higher threshold. The current account needs to keep a minimum of 654.38 million yuan, which is not cost-effective. However, for friends with an average daily income of more than 940,000, you can sign up for Lifelong Bao B. The more funds, the more cost-effective.

It was after 24: 00 in the afternoon that the current deposit was converted into a living treasure. Strictly speaking, it was the early morning of the next day, and the specific deadline was not clear. However, the current deposit I deposited around 1 on a Sunday morning was indeed converted into a living treasure and the interest was calculated.

On the other hand, if the money in the bank account is not in the current treasure, it must be in the current account, and vice versa. No matter when they are transferred, they are seamlessly connected. Theoretically, on this day, demand deposits always bear interest.