Deposit interest is fixed deposit and fixed withdrawal: if you deposit in a traditional bank in advance and calculate according to the current interest rate, then you lose the expectation of future time deposits and the interest rate difference between your current time deposits and current deposits. Subscription is calculated for you according to the three-year period. If you withdraw in advance, you will lose the right to future regular income (for example, if you withdraw in advance before the expiration of 10 day, then the money of 10 day will be mortgaged to other institutions), so as to maximize the income.
Risk, a friend said that the risk lies in liquidity. The explanation is that if the interest rate is 3.55% that day and there are rumors of a sudden interest rate cut, in order to get a high interest rate, everyone will withdraw in advance, lock in the interest of 3.55% and deposit it (I'm just reading this statement, I don't know how true it is).