Now the annual interest rate is about 3%. Most of the increases are similar. If you simply make one-year lump-sum deposits and withdrawals, the annual interest rate is 1.75%, and the interest of 50 million yuan is 875,000. This is not very cost-effective. You can buy a money fund at the bank. The annual rate of return of the money fund is about 2.4%~4.5%, and it is currently around 4.0%. 50 million hold 1 year, and the income is about 1.8 million. Money funds are quasi-current, which is very convenient.
There are many other forms, such as buying wealth management in the bank. 1 period is about 4.5~4.8%, and the interest of 50 million is 2.4 million. If you buy government bonds in the bank, it is about 3.9~4.7%. In fact, now buying government bonds in the market for reverse repurchase, the annualized income is about 3.8%~4.4%, and the effect of reverse repurchase is similar to that of money funds.
In other words, if you have 50 million RMB in the bank, you can earn at least 2.4 million RMB in interest every year.
The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time. Usually divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate as a percentage, and the daily interest rate as a percentage.
When the economic development is in the growth stage, the investment opportunities of banks increase, the demand in loanable funds increases and the interest rate rises; On the other hand, when the economy is in a downturn and the society is in a depression, banks' willingness to invest will decrease, so will the demand for loanable funds, and the market interest rate will generally be lower.
When the economic development is in the growth stage, the investment opportunities of banks increase, the demand in loanable funds increases and the interest rate rises; On the other hand, when the economy is in a downturn and the society is in a depression, banks' willingness to invest will decrease, so will the demand for loanable funds, and the market interest rate will generally be lower.
The interest rate of time deposit refers to the rate of return paid by the bank to depositors as a reward for regularly depositing deposits in the bank.
Time deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. It has the characteristics of minimum deposit period of 3 months, maximum deposit period of 5 years, wide choice and stable interest income.