Is given a little cause " 100 million " . Although be opposite before first rich for 100 million it is a little cause, but to majority person, 100 million calculate absolutely on a king's ransom. How many does the person of on that China social status 100 million have after all? Release jointly according to enrolling merchant bank and shellfish favour company " 2019 China personal fortune reports " show: 2018, china can invest asset to exceed the person of 100 million RMB, have 170 thousand person in all. Relative to the China at 1.4 billion population for, 170 thousand person is complete China takes a very smaller than the amount group only.
So if have 100 million, just put its in the bank rely on the word that accrual lives, can you go up too what kind of life?
If he has a 100 million affirmation to won't put a bank,very may much person can feel, do other profitability to compare high investment however, but this still just may do not have because of everybody 100 million, actually everybody may feel bank interest follows the accrual photograph of product of conduct financial transactions to compare, not so tall, so this accrual also is basic enough dress warmly and ear one's fill only just. This idea is off base, an interest of 100 million is even higher than what we imagine.
So does an accrual of 100 million have many after all tall?
We see each saving interest rate of big bank below respectively: We know Chinese people bank decides, since October 24, 2015, reduce financial orgnaization to the RMB borrows money and deposit money standard interest rate, with reducing industry financing cost further. Among them, financial orgnaization a year period loan is standard interest rate reduces 0.25 percent to 4.35% ; A year period deposit is fiducial interest rate reduces 0.25 percent to 1.5% . In the meantime, wait to set upper limit of float of saving interest rate no longer to commercial bank and orgnaization of rural collaboration finance. End at present interest rate of each large bank deposit did not change apparently.
Newest 2019 bank puts loan watch of standard interest rate:
We can see newest 2019 bank puts loan above the basis watch of standard interest rate follows each of big bank put loan interest rate to do not have apparent change.
What differ somewhat among them is state-owned and large commercial bank and share-holding system bank have a bit different, that after all who is tall who is low, if you have 100 million it is to be put into large commercial bank or interest of share-holding system industry taller, we come below specific look:
Large commercial bank: Our traditional large commercial bank includes in, farming, labour, build, hand in, but because up to in September 2018 end, mail store bank assets dimensions already amounted to 9.35 trillion yuan, 9.39 trillion yuan when had been close to the corresponding period of bank of liaison man of the 5th big state-owned bank. , include post to large now commercial bank so store bank.
So if you have 100 million be current deposit or time deposit, eating interest is more, actually current deposit accrual is large commercial bank or share-holding system bank without giving thought to basic identical, be 0.3% . If you have a 100 million interest that retain a year,be 300 thousand yuan probably so, so if you are a common labour firewood estate, light eats accrual to also can let you go up to live footloosely too.
We treat deposit of each big bank current and time deposit below by interest rate:
We see current deposits money standard interest rate is 0.35, and interest rate of saving of current of large commercial bank is basic and same, besides consider Shanghai farming trading company, xiamen bank, interest rate of saving of current of fontal state bank is nodded high a little, other all be 0.3.
If you have,look in light of us 100 million make a time deposit, interest of which bank bank be high point?
From above the commercial bank of share-holding system of contrast of saving interest rate that we see city trading company, will generally look should a few taller, from angle analysis of the competitor, the competitor more of city commercial firm is other city commercial firm and share-holding system bank, it is difficult that they are returned at present with hand wrestling of large commercial bank. The saving interest rate that so town business place makes more it is to use commercial firm of antagonism other city and share-holding system bank.
Farming commercial firm appears a little puny before these banks, the competition ability of each respect is not very strong, but cannot deny, be in farming the interest rate that commercial firm deposits money may be highest. But because of brand reason, make many depositor right farming commercial firm not so be at ease, turn and investment scale is larger, business compares mature big bank.
If you have 100 million, from large commercial bank can have an advantage quite for security, but from the point of saving interest rate town business guild has an advantage quite, what we see interest rate of each saving in big bank is top is the fontal state bank in city commercial firm.
We calculate time deposit of bank of state calculating a spring 1 year below how much is accrual:
Fontal state bank a year time deposit interest rate is 2.25% , if you have 100 million, how many interest to have one year so?
100 million *1 year *2.25%=225 10 thousand.
From above if you stock fontal state bank,calculate a year, make time deposit, so accrual of a year has exceeded 2 million, such light rely on to eat accrual to also can go up too the life of money freedom.
Of course this just calculates according to average interest rate, if calculating according to the accrual of high specified number of the bank actually, one annual meeting has the interest of 7 million above, deuce come down the interest that a month has near 600 thousand, be in China major person is not to pass to go up of such life. This can satisfy the requirement of a part of National People's Congress completely, every month should take this only 600 thousand it is OK to will do all businesses, 1 that when remain 100 million can put inside the bank directly, lay money ceaselessly.
If be you,have 100 million, so you can stock a bank to have interest, still take investment directly, welcome everybody to be commented on in comment area!
