Financial management products issued by banks themselves are actually relatively reliable, but they cannot be said to be absolutely safe, and the difference in financial management returns is not very big, because everyone "selects" asset targets with a "risk level", so generally in Between 3.5%-5%.

Generally speaking, the deposit interest rates and financial management returns of small and medium-sized banks are higher than those of large banks. Because large banks have enough outlets, they have a stronger ability to absorb public and private savings and have lower costs, while small and medium-sized banks, especially city commercial banks, can only attract funds through higher interest rates and returns.

For example, you can pay attention to the "bank smart deposit" product of small and medium-sized banks. According to the deposit insurance protection system, 100% compensation is paid within 50W. There are some current and fixed bank deposit products on the Du Xiaoman Financial Management APP (formerly Baidu Financial Management) platform, such as the current product "Sanxiang Bank Current", with an early withdrawal income of about 3.9%, deposits and withdrawals at any time, interest starting on the same day, and no restrictions on holidays. , withdrawal on any natural day, real-time credit on the same day, no trading day restrictions, no limit restrictions; such as the fixed bank deposit product "Zhenxing Smart Deposit", the maturity yield is about 4.8%.

For details, you can search for "Duxiaoman Finance APP download link" in the application market or follow "Duxiaoman Technology Service Account (duxiaomanlicai)" for detailed product information.