According to the agreement, the interest can reach 3%, which is 654.38+0.5 million interest. This is the interest of the six major banks in China. If it is a joint-stock bank, you can earn more interest.

50 million in the bank, is the annual interest enough?

Interest is enough, and it is very comfortable to go anywhere in the country. It's a pity that 5000 yuan has been deposited in the bank. Since the subject asked, let's calculate that in order to ensure monthly income, we need to deposit monthly interest, so that we have liquidity every month. Suppose we deposit 50 million yuan into the largest bank in the world-Industrial and Commercial Bank of China.

1 50 million in the bank, what is the annual interest?

ICBC paid a monthly interest rate of 3.988% on certificates of deposit three years ago, and the principal of 50 million deposits in three years was automatically transferred.

Annual interest 1994000 yuan, monthly income 16438+00000 yuan.

2. What is the annual income of 6.5438+0.994 million?

In 20 18, the national per capita disposable income was 282.28 million yuan, and the interest of 50 million yuan deposited in the bank was10.994 million yuan, which was 70.63 times of the national per capita disposable income. The highest per capita disposable income in 20 18 was in Shanghai. In 20 183, the per capita disposable income in Shanghai was 64 183 yuan, and the interest of 50 million yuan deposited in the bank 1 year was 1.994 million, which was 3 1 times of the per capita disposable income of Shanghai residents. In Shanghai, it is super high.

Compared with the current consumption level, 50 million yuan deposited in the bank can make ordinary families live a very rich life. The shelf life does not need to be too long. If you deposit a certificate of deposit for one year at an interest rate that is 50% higher than the benchmark interest rate, you can get 50 million *1.5% *150% =1125,000 a month, and the consumption limit is nearly10000.

Of course, if it is a fixed term of one year, it is a process of depreciation. After all, there is inflation, whether it is relative to real inflation or CPI. Therefore, in order to obtain higher deposit interest, large funds must be kept in the bank for at least three years to obtain a yield of more than 4%.

The yield of 4% is relatively good, which can outperform CPI and basically outperform the average of inflation in the past 30 years. But just don't let the principal suffer losses, but life costs money, so money deposited in the bank can't solve the life of eating only interest. Of course, for ordinary people, 50 million yuan can live for a lifetime even if it doesn't generate interest, mainly depending on what you think, such as whether to leave some assets for the next generation.

50 million will be deposited in the bank, either big money or small money; Either you are poor enough and suddenly make a windfall, such as winning a prize, demolition or patent transfer. Without an ordinary person, it is impossible for him to deposit 50 million in the bank, and it is almost impossible for those who will deposit 50 million in the bank to earn 50 million. So it's ridiculous to deposit 50 million in the bank and charge interest. Just be happy, don't be too serious!

Everyone and every family have different consumption concepts and consumption levels. As an ordinary family, it is absolutely enough for a 50 million deposit bank to spend only interest income. Since you live on interest income, you can't deposit it as an ordinary time deposit. In this way, your liquidity will die and you can't withdraw it in advance for consumption. Only demand deposits, call deposits, short-term wealth management products and smart deposits can be selected as the only financial management methods with strong liquidity.

First, interest on current deposits. It is a pity or a waste of principal to deposit 50 million demand deposits, but consumption is everywhere, so we can only withdraw demand deposits at will and are not controlled by banks. At present, the deposit interest rate is 0.35%, the annual interest rate is 65,438+075,000 yuan and the monthly interest rate is 65,438+04,583.33 yuan. Many office workers earn less than 10 thousand yuan a month. Although this deposit rate is the lowest, it should be no problem to solve the living expenses.

The second is to notify the deposit interest. Notice deposit is a short-term deposit product set up to make up for the low deposit interest rate. If the deposit period is uncertain but exceeds one day, it can be called deposit. Notice deposits are divided into one-day notice and seven-day notice. The call interest rates of local banks are 0.885% and 1.755% respectively. If you deposit 50 million yuan, you can get 442,500 yuan and 877,500 yuan respectively.

The third is the expected income of short-term wealth management products. The liquidity of wealth management products is greater than that of time deposits. You can buy 50 million yuan for different periods: one month, three months, six months, and one year, so that you can always have consumption funds in your hands and increase your income as much as possible. The annualized rate of return on bank financing is about 3.5%-5.5%, and the expected annual income is1750,000-2,750,000 yuan.

The fourth is the interest on smart deposits. Smart deposit is the most convenient deposit for customers' living expenses, because it pays interest on a monthly basis and can also calculate interest according to the actual deposit period, which is flexible and convenient. For example, the smart deposit of Langfang Bank has a five-year interest rate of 5.225%, interest income at maturity 13062500 yuan, and interest in January is also 2 17708.33 yuan.

The principal of 50 million is a bit large. In order to spread risks, I personally suggest that this fund be deposited in the above four ways, with smart deposits accounting for 70%, demand deposits, call deposits and wealth management products accounting for 65,438+00% respectively. After all, smart deposits combine income and security, and the other three financial management methods are biased.

50 million in the bank, is the interest for one year enough? You asked such a big question.

50 million is not a decimal, but it is an astronomical figure for ordinary people. With such a large deposit in the bank, even the interest generated by the current account is very large.

At present, the current interest rate of many banks is around 0.35%, so the annual current interest of 50 million yuan can reach 17.5 thousand, and the average monthly interest 14500, which can exceed the income level of most people in China.

Besides current account, you can also choose time deposit. If you can deposit 50 million yuan in the bank for a fixed period of three or five years, I believe many banks can give interest rates above 4.5%, and many small banks can even give interest rates of 5%.

This means that the interest of 50 million deposits can reach about 2.5 million a year.

What is the concept of 2.5 million? At present, there are about 8 million people who deposit more than 500,000 yuan in China, less than 5 million people who deposit more than 654.38+0 million yuan in banks, and I estimate that there will be no more than 3 million people who deposit more than 2 million yuan.

That is to say, among the population of 65.438+0.4 billion, only about 0.2% actually have more than 2 million deposits, which is equivalent to an average of two people with more than 2 million deposits per 654.38+0.000 people. That is to say, 50 million yuan can exceed the deposits of 99.8% of the people in the country for only one year.

2.5 million a year is definitely enough for ordinary people, even if you spend a lot of money.

For example, Liu once said in an interview with the media that their family's annual expenditure does not exceed 65,438+00,000.

For the super-rich like Liu, their consumption is only so much. It can be seen that it is absolutely no problem for ordinary people or rich people to meet the basic consumption of families with an annual interest of 2.5 million.

And not only in China, but also in some developed countries in Europe and America, 2.5 million is definitely not a small sum, which can definitely exceed the consumption level of most people.

For example, in some small countries with the highest per capita GDP in the world, the per capita GDP is only about $80,000, which is about 500,000 when converted into RMB, which is equivalent to your annual interest of 2.5 million, which is about five times that of countries with the highest per capita GDP in the world.

It can be seen that if you have an interest of 2.5 million yuan a year, no matter you go to any country in the world, there is absolutely no problem and you can live a very moist life.

Of course, whether the interest of 2.5 million yuan is enough depends on the specific situation. For a few people, 2.5 million yuan is nothing. Sometimes, they may spend more than 2.5 million yuan on clothes a year. For example, at present, many female stars may spend 500,000 yuan a month on clothes, and all the expenses in a year may add up to tens of millions. For these people, the interest of 2.5 million is simply not enough.

1. At present, the annual interest rate of certificates of deposit of commercial banks is around 4%-5%. Even if the annual interest rate is 4%, the annual income of 50 million deposit banks is 5000x4% = 200 million, and the average monthly income is 200 12= 16.6667.

2. In other words, there is a monthly living allowance of 166667 yuan. This standard of living is still 666 for the vast majority of small partners, not to mention not enough expenses. Most of them spend a lot of money every month.

3. For most small partners, 166667 yuan is more than enough, except for basic expenses such as food, clothing, housing and transportation, elders' support, children's education and travel, even if the mortgage for normal housing and the car loan for normal cars are added.

4. But for a few partners who pursue luxury life, 166667 million can't afford unlimited luxury bags, and it will take two or three months to buy them. Don't push too hard.

Therefore, the 50 million interest deposited in the bank is enough for one year's living expenses, and interest is the second. What kind of life is the most important, which is the key.

6. In fact, frugality is a traditional virtue. Now that living conditions and standards are getting better and better, there is not much need to blindly pursue an overly luxurious and ungrounded life.

Traceable point of view: 50 million is deposited in the bank, and the interest for one year is enough for your family.

For these 50 million people, the focus of our consideration is not income first, but safety first, so it is safe to choose the four major banks and China Merchants Bank.

Interest income

1. Take China Merchants Bank as an example, with a three-year fixed deposit of 2.75%. As you are a big customer, you can bargain with the bank, and the final annualized income of 3.50% is certain.

Then the annual interest = 50000000 * 3.50% = 1.75 million, and the average monthly interest 1.75 million/12 = 145833 million. This month's income is enough for you to live a comfortable life in any city in China.

2. China Merchants Bank certificate of deposit. At present, China Merchants Bank has a large deposit certificate of 300,000 yuan, with an annualized income of 4. 125%. One-year interest income = 50 million * 4.1.25% = 2,062,500 yuan, that is, 2,062,500 yuan per year, with an average of 1.7 1.875 million yuan per month, about 30,000 more than the three-year regular income.

As far as expenditure is concerned.

Take Chengdu as an example, other cities can increase or decrease according to their income level.

There are three or four people in Chengdu.

Living expenses: 30,000 yuan a month and 360,000 yuan a year, which can be said to be very extravagant. Chunxi Road Taikooli can eat whatever he wants. Michelin restaurants or private kitchens are nothing.

Don't consider housing, 50 million hot houses are definitely too many to count.

In terms of cars, suppose there are two cars at home, and the annual cost adds up to 654.38+ 10,000.

In terms of children's education: suppose both children go to an aristocratic school, such as Golden Apple Jincheng No.1 Middle School, with a drop of 300,000 a year. This figure is absolutely appropriate, not the best, but definitely above the average level.

Travel and leisure, domestic travel casually, foreign travel 4 times a year, 50 thousand each time, so it adds up to 300 thousand.

As for drinking tea, eating hot pot and playing mahjong, these are all 200 thousand. Remember that playing mahjong in Chengdu is not the whole game. It was previously reported that playing 5 yuan was gambling. Let me remind you.

Annual total expenditure: 6.5438+0.26 million, and you still have 600,000 to 700,000, so 50 million is enough interest.

Summary: Friend, are you awake? Get up quickly and go to work!

In reality, there are 50 million yuan to be deposited in the bank, so we can negotiate with the bank about floating deposit interest rate, flexible withdrawal method, membership card of cooperative organization, certain credit overdraft limit and many benefits. How much you can get depends on the results of negotiations with banks, so it is not universal. So we don't discuss it as a standard, but take the ordinary deposit interest rate as the standard.

One more question. Whether the money is enough does not depend on the consumption standard. You should take the standards of the rich, such as daily delicacies, driving a luxury car and spending hundreds of thousands a night, which is absolutely not enough, or take the living standards of ordinary people as the standard.

At present, the deposit interest rate of the four major banks 1 year is 1.75%, and the interest of 1 year is 50 million yuan and 875,000 yuan. The standard for ordinary people is 1 year, and 875,000 is absolutely enough to guarantee life.

Looking at certificates of deposit, the interest rate of CCB's 2 million yuan three-year certificates of deposit can reach 4%, which has increased a lot. Then it is not hard to believe that 50 million yuan will raise the deposit interest rate to 5%. 1 year earned interest of 2.5 million yuan. Although the numbers are not nice, they are cool.

Therefore, 50 million yuan in the bank, 1 year earned interest, according to the living standards of ordinary people, can definitely guarantee a normal life.

Hello, friends!

50 million in the bank should be enough as long as it is normal consumption and a little frugal. Of course, if you are extravagant and always want to buy planes, yachts and luxury cars, it may not be enough.

Bank deposit interest1500,000 yuan.

Now 50 million deposit banks can also earn a lot of interest income. At present, the interest rate of big banks is slightly lower, but if you deposit a large amount of three-year deposits, you can also achieve an annual interest rate of 4. 125% and pay interest on a monthly basis.

If it is a five-year deposit product of small and medium-sized banks, the annual interest rate can reach 5.4%, and the interest can be paid monthly.

If it is a five-year deposit product of a private bank, the annual interest rate can reach 5.7%.

If you deposit 50 million five-year deposit products with an annual interest rate of 5.4%, the interest you can get every year is 2.7 million, with an average of 225,000 per month.

The interest of 2.7 million a year can be said to be enough for daily expenses.

Save it, the interest of 2.7 million is enough for daily expenses.

If you save a little, the interest income of 2.7 million yuan per year and the average monthly interest of 225,000 yuan can be said to be enough for you to live a fairly good life.

This year's income of 2.7 million is enough for you to travel abroad several times a year, or you can travel at home several times at will. Then you can also buy a 400 thousand or 500 thousand car to drive.

At this income level, as long as you save a little money and don't buy luxury goods, you can say that life is quite cool.

If you want to buy a plane, it's not enough.

If you want to live on a special plane or yacht, you may not have enough money. It may cost more than 300 million RMB to buy a special plane, several hundred million RMB to buy a yacht and tens of millions RMB to buy a super luxury car.

So, if you want to buy a plane and a yacht, this life is really attractive, but you still can't afford it.

So, if you want these planes and yachts, the interest income is definitely not enough.

4. Conclusion

To sum up, 50 million yuan is deposited in the bank only by interest. A little frugality should be enough. Of course, if you are extravagant and always want to buy planes, yachts and luxury cars, it may not be enough.

In our country, almost everyone has savings, and it is no exaggeration to say that it is a big savings country. Compared with some developed countries in the world, we have a deep-rooted saving habit. As long as ordinary people have spare money, the first thing that often comes to mind is to deposit it in the bank. Because the bank is safe, they can also earn extra interest income through savings.

Then, when we have 50 million spare money, how much interest can we get by depositing it in the bank? This will change according to different deposit cycles and different deposit methods.

1, current savings

If the 50 million depositors may need emergency at any time, they can usually only survive. The current interest rate is 0.3%, so the interest earned in one year is150,000 yuan, and the average monthly interest is12,500 yuan.

2. Time deposit

Generally speaking, if there is a large expenditure plan in a certain period of time, if deposits are needed at this stage, the funds will be deposited as time deposits, and the interest rate of time deposits will be different according to the selected deposit period.

If it is a three-month deposit and the interest rate is 1.35%, the average monthly interest income is 56,200 yuan. If the deposit period is six months and the interest rate is calculated at 1.55%, the average monthly interest income is about 64,600 yuan. If the deposit period is one year, the interest rate is 1.75%, and the average monthly interest is 72,900 yuan; If the deposit period is two years, the interest rate is 2.25%, and the average monthly interest income is 93,700 yuan; If the deposit period is three years and the interest rate is 2.75%, the average monthly interest income is 1 10.

3. Time deposit

The deposit interest rate is the highest among several deposits, and the initial deposit must generally be above 200,000. Obviously, 50 million yuan has far exceeded this funding threshold. It also has several deposit cycles.

Deposit for three months, the interest rate is 1.595%, and the average monthly interest is 66,400 yuan;

Deposit for six months, the interest rate is 1.85%, and the average monthly interest income is 77,000 yuan;

Deposit for one year, the interest rate is 2.25%, and the average monthly interest is 93,700 yuan;

Deposit for two years, the interest rate is 3. 15%, and the average monthly interest income is 13 1200.5 yuan.

The above is the approximate monthly interest amount that can be obtained by various bank deposits.

4. Which bank is more suitable?

For those who pursue high security, the most suitable bank is the state-owned bank. Because state-owned banks have a national reputation as endorsers, and they are large in scale and have a wide range of business. There are also many outlets, and the operation and operating funds are safer and more convenient.

For those who want to get as much interest as possible, they can choose some small private banks or city commercial banks. Because these banks are relatively small in scale, the demand for deposits is relatively large. Therefore, they will attract more depositors to save money by raising the deposit interest rate appropriately. Therefore, both time deposits and certificates of deposit may have higher listing interest rates than ordinary state-owned banks.

At present, some small banks have five-year options for time deposits, and the interest rate reaches 4.8%. The average monthly interest calculated at this rate will be relatively high, reaching 200,000 yuan. For large deposit certificates, the interest rate can also be close to 5%, with an average monthly interest of 200,830 yuan. This amount of interest is also considerable.

Generally speaking, the final interest income will be different according to the bank, deposit method and deposit cycle chosen by depositors. As for whether it is enough, it depends on where it is used and how it is used.

50 million in the bank, is the annual interest enough? We'll talk about this later. I still remember Mr. Wang once said in a guest program that there is a very strange phenomenon in today's society, that is, the poor try their best to buy luxury goods, while the rich pretend to be poor for fear that others will know that they have money. Why is this?

In fact, the reason is not complicated, because the poor don't want others to feel that they have no money. Some people do it for vanity and face, while others want to take the opportunity to mix with the rich. For example, the Shanghai "pseudonym group" exposed in the previous paragraph is like this. Several people took some money to a five-star hotel to take a group of photos, and then posted them online or other social media platforms to attract attention.

Now let's go back to the question of interest. Obviously, people who ask such naive questions will definitely not have 50 million yuan in the bank, because the rich who can really put 50 million yuan in the bank need to consult whether the interest is enough.

To tell the truth, all the people who can save 50 million are prodigies. They know a lot about investment and wealth management products. What should and should not be invested? Which benefits are high and which benefits are low? What is a big risk and what is a small risk? All this is familiar!

I want to say that at the beginning, it was because I knew this question was meaningless, it was an extreme manifestation of the poor showing off, or I dreamed about 50 million yuan before I came up with it. The reason is that even if he really has so much money, he doesn't know what to do. The only thing I can think of is to deposit it in the bank.

According to the current domestic bank deposit interest rate level, 50 million yuan can negotiate with any commercial bank to determine the interest rate, and it is not necessary to bear interest according to the market listing rate. At least 2.5 million interest a year is no problem. As for whether it is enough, it varies from person to person and cannot be evaluated!

What is the annual interest of 50 million deposit agricultural bank of China?

Take the annual interest rate of 202 1 published by Agricultural Bank of China as an example. If you deposit it for one year, the one-year fixed deposit is 1.75%. If you deposit 50 million yuan, the interest is 5 million yuan * 1.75%* 1 year = 875,000 yuan.

The amount of 50 million yuan is too huge, so we can consider the large deposit of Agricultural Bank of China, and the interest will be a little higher than the time deposit. At present, the large deposit of over 800,000 yuan in 202 1 is 2.25%, which can be obtained by substituting it: 50 million yuan *2.25%* 1 year =1/250,000.

Agricultural Bank of China is a large state-owned bank managed by the central government. Founded in 195 1, it is one of the major integrated financial service providers in China.

The bank provides various products and services for corporate banking and retail banking, and also conducts financial market business and asset management business, covering investment banking, fund management, financial leasing, life insurance and other fields. And listed in China, Shanghai and Hongkong.

As one of the major integrated financial service providers in China, the Bank is committed to building a world-class commercial bank group with obvious operating characteristics, efficient and convenient services, complete functions and outstanding value creation capabilities.

With its comprehensive business portfolio, huge distribution network and leading technology platform, this bank provides customers with various corporate banking and retail banking products and services, and conducts financial market business and asset management business, covering investment banking, fund management, financial leasing, life insurance and other fields. By the end of 20 16, the Bank's total assets195,7061100 million yuan, loans and advances of 9.71963.9 billion yuan, deposits150,380,543.8 billion yuan, and capital adequacy ratio of 65438.

By the end of 20 16, there were 23,682 domestic branches, including the head office, the sales department of the head office, 3 franchised institutions of the head office, 37 tier-one branches, 365 tier-two branches and 3,506 tier-one branches.

19,714 grassroots commercial organizations and 55 other organizations. Overseas branches include 10 overseas branches and 3 overseas representative offices. The Bank has 14 major holding subsidiaries, including 9 domestic subsidiaries and 5 overseas subsidiaries.

Business overview

Agricultural Bank of China has branches all over the country, becoming a large modern commercial bank with the largest number of branches and the widest business scope in China. The business field has developed from the initial agricultural credit and settlement business to a complete variety, combining local and foreign currencies, and can handle various international and domestic financial businesses.

The business scope of China Agricultural Bank has changed from the initial agricultural credit and settlement business. Now it has developed into a complete variety, combining local and foreign currencies, and can handle all kinds of international and domestic financial business. It mainly includes: deposit service/comprehensive loan service/foreign exchange financing/RMB financing/overseas financing on behalf of customers/bank card/remittance settlement/safe deposit box rental payment service/overseas financial service/electronic banking service/private banking/financing business/domestic payment settlement/international settlement/fund-related business/corporate financial service/financial institution service.

At the same time, it also provides a variety of corporate banking and retail banking products and services, and conducts self-operated and agency fund business, covering investment banking, fund management, financial leasing, life insurance and other fields.

How much interest does 5,000 trillion yuan have in the bank for one year?

First of all, it is certain that people with a net worth of 50 million will never let their money sleep in bank deposits. Because the bank interest of 50 million yuan is only 2.25% even if the benchmark interest rate is 1.5%, even if it rises by 50%, the annual interest income is1125,000 yuan. The benchmark interest rate for three years and above is 2.75%, and the 50% increase is 4 125%, and the annual interest income is 2,062,500 yuan.

How much is the interest of 50 million yuan in the bank for one year?

In this money society, people can live without money, but they can't live without deposits. Who can guarantee that they don't need money in case of emergency in life? Therefore, if we put our money in the bank, we can not only get interest-free, but also have a good guarantee for putting our money in the bank. So if we have 50 million RMB on hand, how much interest can we get a year?

Now the annual interest rate is about 3%. Most of the increases are similar. If you simply make one-year lump-sum deposits and withdrawals, the annual interest rate is 1.75%, and the interest of 50 million yuan is 875,000. This is not very cost-effective. You can buy a money fund at the bank. The annual rate of return of the money fund is about 2.4%~4.5%, and it is currently around 4.0%. 50 million hold 1 year, and the income is about 1.8 million. Money funds are quasi-current, which is very convenient.

There are many other forms, such as buying wealth management in the bank. 1 period is about 4.5~4.8%, and the interest of 50 million is 2.4 million. If you buy government bonds in the bank, it is about 3.9~4.7%. In fact, the annualized income of reverse repurchase of government bonds on the market is about 3.8%~4.4%, and the effect of reverse repurchase is similar to that of money funds.

In other words, if you have 50 million RMB in the bank, you can earn at least 2.4 million RMB in interest a year. This 2.4 million RMB interest can be said to be money that many people can't earn in their lifetime. Friends, if there is 50 million RMB in it, will you deposit it in the bank or invest it to earn more money?

What is the annual interest of 50 million yuan in the bank?

If 50 million yuan is deposited into the current account of a bank card, the annual interest is: 50 million× 0.3% =1.5 million yuan. Now the interest rate for a fixed period of one year is 2. 1%. If 50 million yuan is fixed for one year, the interest due is: 50 million× 2.1%= 65. The interest of 50 million deposits for two years is: 50 million× 2× 2.6% = 2.6 million deposits for three years. At present, the interest rate of three-year ordinary deposit is 3.25%. The three-year interest on a 50 million deposit is: 50 million× 3× 3.25% = 4.875 million. According to the deposit of 50 million yuan, you can talk about 8% with the bank time deposit.

The annual interest rate of 10 million deposits in the bank is about 0.3% ~ 4.27%, and the specific interest should be calculated according to the selected deposit method and channel, as follows: Bank deposits are divided into different forms: 1. From demand deposits to three-year lump-sum time deposits. The deposit interest rate is generally 0.3%~0.35%. Although the interest rate is low, in fact, from the annual reports of major banks, international deposits have always been the main source of bank profits and the main form of deposits.

2. The national benchmark interest rate for one-year fixed deposit is 1.5%, the benchmark interest rate for two-year lump-sum deposit and withdrawal is 2. 1%, and the benchmark interest rate for three-year lump-sum deposit and withdrawal is 2.75%. 20 15 countries have liberalized the control of interest rates, and banks can set interest rates according to their own needs to attract deposits.

3. The six state-owned commercial banks that have established diplomatic relations with China's agriculture, industry and postal services generally give preferential interest rates 20%~30% higher than the benchmark interest rate. In addition, the state began to build a large deposit certificate system on 20 15, and the preferential interest rate will be 40%~55% higher than the benchmark interest rate.

450 million, if you buy a large deposit certificate from a bank, the annualized interest rate can reach the top line of 4.2625%. Close to the interest rate of 4.27% for five-year depositors. 5. The payment method corresponding to the certificate of deposit is still very flexible, including one-time repayment of principal and interest and regular interest payment. In this case, the annual interest earned is 2 1.3 million 1.250 yuan.

The market function of interest rate.

1. As the occupation cost of the enterprise, the functional interests that affect the enterprise's behavior directly affect the economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the process of financing. If the enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will certainly be improved.

2. Functions that affect residents' asset selection behavior When the real income level of residents in China is increasing and the savings rate is increasing, asset selection behavior appears, and the increase of financial instruments is residents' asset selection behavior.