As a deposit product, first of all, it is higher in safety than all other products except national debt, and it is a very low-risk product in risk level.

The loan quotation rate LPR 1 year rate dropped from 4. 15% to 3.85%, and the 5-year rate dropped from 4.8% to 4.65%. At present, the deposit market, which can exceed 4.7%, is very few, mainly concentrated in online deposits of individual local banks and special deposits. Their interest rate is in the range of 4.8-5%, while the five-year interest rate of ordinary time deposits is in the range of 2.75-4%, so they can deposit 4.7% time deposits.