According to Xinzhi Encyclopedia, the annual interest rate can be judged by referring to the annual interest rate of banks in the same period. As the annual interest rate of three-year deposits, the annual interest rate of 3.6% is similar to the three-year annual interest rate of banks, but it is not high. Since the annual interest rate of loans is lower than that of bank loans.
The average bank 1-5-year loan interest rate is around 4.7%. Major banks also have the right to float up and down. 3.6% is not high. Of course, if you deposit money by purchasing wealth management products, wealth management products with a fixed term of about 180 days also have this level of annualized interest rate.