Although the bank is very rich, but also not be to say you want how to much give you, having money is not capricious capital, after all the bank also should make money, can giving you interest rate of how many saving is to build the base that can make money in the bank, if the bank cannot make money, that bank is to won't give you of 8% year change interest rate.

Take 2 so 100 million go talking with the bank, can take year turn profit 8% should treat specific condition.

Next graphs are at present the saving interest rate of bank of a few mainstreams expresses:

Can tell you for certain above all, if you choose, is bank deposit, be impossible to take the saving interest rate of 8% .

Although each are at present big bank special be short of deposit, for deposit a lot of banks exert all sorts of big move. And each are at present big bank especially special be short of client of the sort of big bank savings, after all the profit that client of a big bank savings can create to the bank, want to exceed the income that other small client brings to the bank far. So at present client of big to those bank savings, for instance the deposit client of 1 million above, bank basically can go up the interest rate with higher surplus.

But calculate a bank to be able to go up to big bank savings higher interest rate, but also have a restriction. It is on one hand, to those big banks, they are restricted federally by saving interest rate, cannot the interest rate with too high rise, the saving interest rate of major bank is at present top rise also has 55% to control only, the interest rate that gives actually basically is to be in 4.2625% in.

Having some of small bank at present of course is more agile, their saving interest rate also does not have too big limitation, so can the interest rate with higher rise, the deposit that for instance at present a few small banks are rolled out year change rate is OK even achieve 5.8% the left and right sides, this is current top interest rate can give on the market.

Because this wants to achieve the saving interest rate of 8% ,be impossible almost, it is bank deposit interest rate is restricted on one hand, it is the bank absorbs the purpose of deposit to borrow money to extend namely on the other hand obtain breath difference, and at present the breath difference of major bank is to be between 3%~5% , this breath difference is to build borrow money in the bank standard interest rate 4.9% , on the foundation between 6%~8% of effective interest rate. If the bank gives you the saving interest rate of 8% , that bank does not have breath poor space almost, pay back your one part interest even even, so the bank won't do business of this kind of lose money in business.

Next, you use 5 100 million buy a bank product of a few conduct financial transactions, it is to be obtained likely year turn profit of 8%

You have 5 100 million, no matter your go off with which bank deposit, it is the super VIP in VIP absolutely, you can enjoy place of a lot of average clients to enjoy the treatment that be less than, besides can besides the saving interest rate with higher rise, the bank still can have the product of high grade conduct financial transactions of a few interior in the light of client of a few super VIP.

Products of these high grade conduct financial transactions are rare lack a product, not only safety has safeguard, and contrast of interest rate photograph is taller, product of a little high grade conduct financial transactions year change accrual to achieve 8% also be possible.

Product of some conduct financial transactions cannot achieve even if year turn the profit of 8% , but you have 5 100 million private bank services that can pass a bank to undertake investing planning, obtain through sound investment of 8% year turning profit also is to have very large possibility.