Saving interest rate 6% , taller than gains of bank conduct financial transactions, intelligent inte

Recently, in bank banking group, the innovation deposit product of bank of a civilian battalion: 100 million couplet of " of bank of 100 million couplet wisdom put " to light explode, a new force suddenly rises, because its are time-expired and integrated year change interest rate to be able to be amounted to 6% , and rise put amount 1000 yuan, cease since that day, rely on archives plan breath, hold a high income and fluidity concurrently, buy a doorsill low and got the market pays close attention to extensively.

A what bank is bank of 100 million couplet? Why can you give out so high interest rate? Put money to safety of bank of 100 million couplet?

Taking everybody's question, little money is analysed one by one for everybody first.

Jilin of full name of bank of 100 million couplet Inc. of bank of 100 million couplet, by in hair gold accuses investment management limited company and Jilin limited company of 3 fast science and technology two big civilian battalion enterprise initiates.

2016, silver-colored inspect can amass written reply to a subordinate body bank of 12 civilian battalion, bank of 100 million couplet is inside limits of this batch give an official.

Bank of 100 million couplet is met at obtaining Chinese silver-colored inspect in December 2016 (call China the silver-colored meeting that keep watch now) approval prepares to construct, and on May 16, 2017 practice, become northeast head home to obtain batch prepare to construct, the civilian battalion bank of first practice.

At present bank of battalion of our country civilian shares 17 practice to be in battalion, because civilian battalion bank all is the mode of an one inn, so the development of civilian battalion bank has certain limitation.

Bank of 100 million couplet sends gold to control investment management limited company in the biggest partner, it is one is the gold of core to accuse platform with insurance Wu. And bank of 100 million couplet this bank is mixed with the small numerous bank of Tecent however the " of bank of Internet of the " that be by the definition such as network merchant bank of Alibaba, that must carry bank of 100 million couplet to initiate one of partner Jilin limited company of 3 fast science and technology.

Jilin limited company of 3 fast science and technology is Tianjin the wholy-owned subsidiary of limited company of 3 fast science and technology, and Tianjin 3 fast the wholy-owned subsidiary that is limited company of 3 fast science and technology.

Jilin plan of structure of equity of limited company of 3 fast science and technology, by Tianjin limited company of 3 fast science and technology 100% accuse

Structures of 3 equity of fast science and technology pursue, accuse by Wang Xing 95% , mu Rongjun of delegate of legal person of 3 fast science and technology holds Jilin 5%

Structure of equity of bank of 100 million couplet, wang Xing is one of trustee of bank of 100 million couplet

Anatomize through layer upon layer equity, we can see clearly, one of shareholder of bank of 100 million couplet Jilin the wholy-owned subsidiary that limited company of 3 fast science and technology is limited company of 3 fast science and technology, and 3 fast science and technology are the parent company that " beautiful group comments on " , wang Xing is the author that beautiful group comments on, it is the partner of bank of 100 million couplet and trustee, regard 100 million couplet as the 2nd large stockholder of the bank, wang Xing gives necessarily brought Internet gene.

Beautiful group comments on father, king of shareholder of bank of 100 million couplet, trustee is promoted

Wang Xingceng says: The advantage of beautiful group depends on innovating, its hope and dovish and seasoned financial practitioner cooperates, provide a service for the user.

Become the 2 husband of bank of 100 million couplet successfully, the life serves beautiful group of kind of bibcock enterprise " to commented on what " achieves what one wishes finally to obtain contain the bank license tag with quite high Troy.

The civilian battalion bank such as the small numerous bank that is the same as array to mark, network merchant bank has the back of current Internet tycoon, bank of 100 million couplet is called Internet bank also is with respect to inadequacy blamed!

Couplet wisdom puts app100000000 of 100 million bank of couplet bank mobile phone product

OK and affirmative, the annual interest of 6% is led really very tall, but interest rate of time-expired and integrated years can be amounted to 6% be worth thorough knowledge with respect to need.

According to channel of date of public of small letter of 100 million couplet and channel of mobile phone bank, we can see bank of 100 million couplet is current advocate the deposit product that the 6% annual interest that promote lead: 100 million couplet wisdom put, say benefit buys product of benefit A money again.

100 million couplet wisdom the characteristic that put is to rise buy amount only 1000 yuan, rely on archives plan breath, at any time draw money, belong to bank deposit product, suffer " deposit insurance byelaw " protection, 500 thousand yuan of less than 100% pay a loss for depositor compensate.

But those who need an attention is, this is one 5 years period time deposit product, need is put rectify 5 years completely, ability is achieved of 6% time-expired and integrated year change interest rate.

100 million couplet wisdom put plan breath regulation

Citing will tell, depositor A stocks 100 million couplet wisdom put 100 thousand yuan, shift to an earlier date by different class draw money deposits money, can acquiring interest is X.

Put full a day, be not worth a month, it is to press current interest rate 0.455% (calculate by 30 days) :

0.455% ÷ of X=100000 × 12=37.9 yuan;

Put full a month, be not worth a year, take intermediate cost 1.76% (we calculate 30 days by a month) :

1.76% ÷ of X=100000 × 12=146.7 yuan;

Put full 1 year, be not worth two years, take intermediate cost 1.975% (make plan news by a year) :

X=100000 × 1.975%=1975 yuan;

Put full 2 years, be not worth 3 years, take intermediate cost 2.82% (make plan news by two years) :

2.82% × of X=100000 × 2=5640 yuan;

Put rectify 3 years completely:

3.765% × of X=100000 × 3=11295 yuan;

From put begin 3 years completely, promotion of instant of interest rate level comes 5.72% above, but highest achieved 5 years to rectify 6% the left and right sides, interest rate is very high, very violent.

Analyse computation through above, rate of integrated and time-expired annual interest is effective it is a kind of compound interest rate, spoken parts in an opera is benefit rolls profit, the time with arrived proper in capital and accrual is calculated again along with all the others accrual, after in deposit capital investment gets accrual get one's own back, continue to throw method of next interest calculative along with all the others both the principal and the interest again. The amount of capital of every first phase when compound interest rate is being calculated is different, the computational formula of compound interest rate is: S=P (1+i) ^n; S is worth eventually, p present worth, I interest rate, n deposit frequency.

And will actually look, 100 million couplet wisdom the annual interest rate that puts 3 years of less than does not calculate very conspicuous, interest rate of not as common as bank of a few places even saving is high.

Most bank, for instance 6 big, 5 years period net of official of saving interest rate hangs out his shingle to all be standard interest rate 2.75% . City commercial firm, farming the local bank with the conventional higher interest rate such as bank of commercial firm, bourg, 5 highest years period saving interest rate also won't exceed 4.3% commonly. But stock 100 million couplet wisdom put a product, once put enough 3 years of above, when the river rises the boat goes up too of interest rate level.

Choose 100 million couplet so wisdom put, if 3 years less than shifts to an earlier date,draw money deposits money, not be to one's profit, still be inferior to putting the common bank savings of common place bank, and common deposit is exclusive defect lacks fluidity to cannot rely on archives plan to cease namely, must put full agreement period, ability gets corresponding interest rate, 100 million couplet wisdom there is an advantage more on existence flexibility just.

Zhi Cunguan of 100 million couplet just explains line of action

Intelligence deposits money and common put surely, big deposit receipt and product of other cash management are same, attribute bank savings kind product, protect this protecting to cease, get like deposit of the client when bank occurrence risk " deposit insurance byelaw " protection, according to formulary compensation.

Product of intelligent deposit great majority does not agree deposit time limit, it is namely when client draw money, according to real deposit time limit corresponding saving interest rate has plan interest, put 3 years for instance 2 0 months, hang out his shingle 3 years by the user interest rate retains plan interest 3 years surely, 2 months press current interest rate plan breath, rely on archives plan interest is convenient and quick. The interest rate that the intelligence of bank of 100 million couplet deposits money is as high as 6% , do not say deposit yield actually, with respect to the time yield of product of along with conduct financial transactions more than 6% have a consideration to consider to have a risk, not strange also client oppugns this after all is what product, safe.

People dare not put civilian battalion bank and the reason of doubt, the individual thinks to have the following at 3 o'clock reason:

It is sale mode too trendy, threaten the client so that stop wait-and-see;

2 it is interest rate those who publicize caliber to tell interest rate to say is too tall, letting a client suspect for a time is product of conduct financial transactions;

The 3 risk consciousness that are a client are strengthened than before, the propagandist strength of the bank is insufficient at the same time. Interest rate of saving of intelligence of bank of 100 million couplet 6% for compound interest rate, is not simple interest, simple interest is highest still 5.45% , deposit on the safe side, protect this protecting to cease.

Main source is Internet bank income the accrual difference of loan business, and product of conduct financial transactions sells goods on a commission basis the poundage of generation and commission, this and traditional bank distinction are not big, just be in relative to focusing pay, the domain of small and high frequency business such as financing, conduct financial transactions.

We had been told above, zhi Cuncun of 100 million couplet is full 3 years, with respect to the saving interest rate that can achieve 5.7% above, since everybody chooses to put this product, understand its interest rate somewhat necessarily, also won't shift to an earlier date easily inside 3 years of draw money.

And 2 shareholder beautiful group comments on depend on of bank of 100 million couplet to come for years the client information of accumulative total and analyse through big data, have essence of life to obtain service of guest, risk management, operation definitely, be based on the advantage of collective loan requirement and unified loan contract, give priority to with small and retail credit more. Wind accuses a system to go up to basically use the technical measure such as big data, artificial intelligence and model to realize the analysis signing a letter to the individual, security of its loan quality is so higher, fraction defective accuse to have very large dominant position.

Will look through App of government of bank of 100 million couplet, bank of 100 million couplet basically has two credit product:

Easy duty is borrowed and 100 million agriculture loans

Aid the easy duty of Li Xiaowei enterprise to borrow, highest forehead is spent 300 thousand, day interest rate 0.043% ;

Aid the 100 million agriculture loans that force farmer borrows money, highest forehead spends 50 thousand yuan, day interest rate 0.022% .

At first sight, 0.022% with the day interest rate of 0.043% not tall, but if press annual interest rate to calculate () , year change loan interest rate to be achieved respectively 8.03% with 15.695% , return the capital waiting for the forehead of breath or way of principal and interest waiting for the forehead by terminally repayment of capital again, after the client puts in gold of repayment of capital 's charge, still can continue to put borrow, actual loan interest rate is met only taller, its benefit difference also can achieve 2.3% above.

Internet bank itself follows " group one inn " manages mode, deposit interest expenses is highest cost, so civilian battalion bank still can be pulled through high interest store, high interest loan scores gain of high specified number.

In light of the information that masters according to little money place, 100 million couplet wisdom put basically have 3 kinds of kind: Date of public of small letter of bank of App of bank of mobile phone of bank of 100 million couplet, 100 million couplet, Beijing east financial App.

3 kinds of 100 million couplet wisdom the medium of communication that store

What need an attention exclusively is, bank of 100 million couplet these civilian battalion banks, in the absense of hypostatic site, "The management mode of " of an one inn, do not have a law to open I for the client directly kind account, and can open II only through be not spot channel according to bank of superintendency regulation Internet kind account, account function suffers be restricted, make Internet bank is sucked store the function is restricted. The basis ends guild regulations is decided, bank account cent is I, II, III kind account. II kind account relatively I kind account became little draw money cash and turn Zhang function, III kind account can be dealt with only small consumption and pay cost pay.

Want to be in so 100 million couplet bank deposit, must upload Id, bind the I that decides a piece of depositor to had debutted kind account, after opening an account, bank of 100 million couplet can be depositor acquiesce to open an II kind fictitious account, with convenient depositor at any time draw money intelligence deposits money our I kind card current account, homonymic II kind account and I kind between account turn Zhang does not have limitation.

6% time-expired and integrated year changing interest rate is a very high interest rate level, and the " of mace of killer of one big " that intelligent deposit regards civilian battalion as the bank, still be the fascia of a bank, but shoulder heavy responsibilities, how to popularize intelligent deposit, let more clients approbate security and make depositor indebted, let broad client accept Internet sale mode, the resident that allows more to have unused fund chooses deposit of intelligence of civilian battalion bank to the net eagerly, this respect still needs bank of each civilian battalion to make great efforts, give up the client's misgive.