1. Deposit certificate with a minimum deposit of 2, yuan: the interest rate is 2. 32% for one year, 3. 255% for two years and 3.89% for three years;

2. The starting point for the purchase of personal certificates of deposit is 3, yuan, and the starting point for the purchase of institutional certificates of deposit is 1 million yuan. The time limit is divided into three stages: three months, six months and one year, and the interest rates of each stage are raised by 45% compared with the basic interest rate required by the central bank.

the above is the relevant content of Lanzhou bank's interest rate for large deposit certificates in 222. Why does the interest rate of certificates of deposit drop? 1. Safety: Certificates of deposit belong to bank savings, which is a commodity with guaranteed capital and interest, and it is also within the scope of deposit insurance. Even if the bank fails, the savings within at least 5, yuan are guaranteed. And users who deposit large certificates of deposit have a lot of money. After all, if you want to deposit large certificates of deposit, you must have at least 2,. Because there are more requirements for safety precautions, otherwise once the loss occurs, the loss will be relatively large;

2. It may be that even if the interest on certificates of deposit is reduced, the interest is still relatively high compared with other deposits: certificates of deposit have the highest interest among deposits with fixed interest, and in most cases, they will maintain the interest advantage over other deposits;

3. Maybe you want to lock the interest before the interest rate is lowered or you are worried that the interest rate will be lowered again in the future: after the interest rates of some banks' certificates of deposit are falling one after another, a large number of banks may follow suit in the future;

4. It may be that certificates of deposit are scarce to some extent, and they can't be deposited if they want: certificates of deposit are not deposited at any bank and at any time, like time deposits. If you want to deposit a large deposit certificate, you need to look for a bank with a large deposit certificate, find a bank with a large deposit certificate, and see if there is a quota of large deposit certificates issued by it. Because banks with large certificates of deposit can't issue them at will, they need to report to the central bank before issuing them, and each issue has a fixed quota, so they can't sell them after the quota is used up. As the saying goes, things are scarce, just because of the scarcity of large deposit certificates, it seems to be in short supply. How to manage money after the interest rate of large deposit certificates is lowered

1. Savings certificates or insurance deposit products of securities companies: to put it bluntly, you need to go to securities companies or insurance companies to buy them. Insurance wealth management products generally need to be bought for several years before they can be taken out, which is different from common wealth management;

2. Treasury bonds and reverse repurchase of treasury bonds: Treasury bonds are purchased on the 1th of every month, and a stock account is also required to purchase reverse repurchase. If there is a certain demand for profit, you can try equity funds, non-guaranteed fluctuation financial management, convertible bonds, stocks, real estate investment, etc.

3. Equity funds and non-guaranteed fluctuation profit-making financial management: you can buy them in banks, but you should pay attention to the risks. In a word, all high-return goods need to face certain risks, and the interest rate of low-risk goods will certainly not be very high.

This article mainly writes about the knowledge points about the interest rate of large deposit certificates of Lanzhou Bank in 222, and the content is for reference only.