[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2023081810374616793":3,"related-JP2023081810374616793":34},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":7,"fileInputUrl":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"miniUrl":16,"miniScheme":16,"miniImage":16,"itemTag":16,"createBy":21,"updateBy":22,"createTime":23,"visitCount":24,"isLiked":20,"realSearch":25,"isRead":20,"productId":26,"isCollected":20,"collectCount":27,"vipExclusive":20,"allowComment":7,"style":28,"likeCount":29,"filePath":10,"duration":20,"playStyle":7,"seoKeywords":16,"articleModuleVoList":30,"extendContentList":31,"noteCount":20,"categoryList":32,"dailyKeywordList":33},10,5737,"1",1,"JP2023081810374616793","1041018","https:\u002F\u002Fjane7-file-prod.oss-cn-hangzhou.aliyuncs.com\u002F34adee54-ba41-4468-b824-e14b570f4552.mp3","我居然找到了收益5%的存款...","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","大额存单多赚一点的秘诀","\u003Csection>\n \u003Csection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">晚上好，我是简七编辑部的卫星~\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">前两天，央妈宣布MLF降息0.15%，让商业银行的借钱成本低一点。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">从以往的经验看，这或许会引发一系列连锁反应——\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">一方面，下周和咱们房贷相关的LPR，有希望跟着降一波；\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">另一方面，「让利」可不是白来的，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">各大银行的存款利率估计还得下行\u003C\u002Fstrong>。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">这个消息治好了我的存款拖延症，我马上做起攻略，火速前往一家利率相对较高的银行。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">果不其然，拿三年期大额存单来说，这家银行上周还有3.5%的利率，本周就降到3.45%了。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">并且大额存单过于抢手，一周放一次额度，手快才能抢到。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">由于当天没额度，客户经理转头介绍起\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">大额存单的「转让专区」\u003C\u002Fstrong>，一个随时买卖「二手」存单的地方。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cbr> \n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:center; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; text-indent: 0em; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fcc43adbd-e7c5-4940-a2a6-b4d56cd34433.jpg\" alt=\"图片\">\u003C\u002Fp>\n  \u003Cp style=\"text-align:center; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; text-indent: 0em; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px;\">图源：某银行app存单转让区\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:center;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px;     letter-spacing: 0.544px;  text-indent: 0em;       text-decoration-thickness: initial;   line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">翻了几只产品后，我有了新发现：\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">用好转让功能，大额存单有机会赚多1%+\u003C\u002Fstrong>。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; text-decoration-thickness: initial; display: block; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px;font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F7e3dee6b-5a45-4d1d-b826-fb5f644c4f7c.jpg\" alt=\"图片\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Ch3 style=\"margin: 0px 16px 16px; padding: 0px; outline: 0px; font-size: 17px; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-decoration-thickness: initial; clear: both; min-height: 1em; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;;margin-left:16px;margin-right:16px;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px; caret-color: #333333; color: #D6A841;font-family: Optima-Regular, PingFangTC-light;\">01 \u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: var(--articleFontsize); letter-spacing: 0.034em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841; font-size: 16px; letter-spacing: 1px; text-decoration-style: solid; text-decoration-color: #D6A841;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fh3>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">比如这只产品——\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fd804f320-390d-495c-8a3a-e9628e9a0718.jpg\" alt=\"图片\"> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">卖家买入20万，转让价格为21.1万，持有期约为1年。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 0.578px; text-indent: 0em;\">那么简单算一下，成功转让后，\u003C\u002Fspan>    \u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 0.578px; text-indent: 0em;\">他一年的收益率可以达到\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 0.578px; text-indent: 0em;\">惊人的5.5%😍\u003C\u002Fspan>\u003C\u002Fstrong>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 0.578px; text-indent: 0em;\">。\u003C\u002Fspan>    \u003Cbr> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(143, 149, 158); letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #8F959E; letter-spacing: 0.578px; text-decoration: none; font-size: 14px;\">*收益率=收益\u002F本金=1.1万\u002F20万=5.5%\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(143, 149, 158); letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">要知道，大额存单是存款家族的一员，单个银行存款不超过50万，自带保本属性；\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">而5.5%的收益率，几乎跑赢了所有现金、理财、债券基金提供的回报。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">「无风险+高收益」的组合，属实震惊到我了。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">那高收益是怎么来的，能不能维持呢？\u003C\u002Fspan>\u003C\u002Fstrong> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">我看了下转让细节，\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px; background-color: #FFDAA9;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">5.5%的收益率\u003C\u002Fstrong>\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">可以拆解成两部分：\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">其中，4.05%是利息收益。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(143, 149, 158); letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fd9426486-49fe-4368-9f60-f77db730528e.jpg\" alt=\"图片\"> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">卖家入手的这份存单锁定了5年期、4.05%的利率。买入20万，每年能获得8100元的利息收入。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">剩下的部分\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #B2B2B2; font-size: 14px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none;\">（1.45%）\u003C\u002Fspan>\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">，来自利率的「价差」。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">过去一年，存款产品的利率不断下降。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">卖家相当于高利率买入，低利率转手，得到市场的馈赠——\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">存单还剩4年，理论上卖家还有32400元利息\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #B2B2B2; letter-spacing: 0.578px; text-decoration: none; font-size: 14px;\">（8100*4）\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">待领取。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">不过，由于利率下降，3.45%的利率已经能让买家满意，他们预期四年赚到29118元就够了。\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #B2B2B2; letter-spacing: 0.578px; text-decoration: none; font-size: 14px;\">（转让价21.1万*3.45%*4）\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">两者的差值\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #B2B2B2; letter-spacing: 0.578px; text-decoration: none; font-size: 14px;\">（3282元）\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">，就是卖家从利率下行中获得的「超额收益」。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.578px; text-decoration: none; font-size: 16px;\">几个小时后，这只产品就成交了，卖家成功将收益落袋为安。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; text-decoration-thickness: initial; letter-spacing: 0.578px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; font-size: 16px;font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fcb923c4c-3664-46bf-a1c1-7f8c7f0c8976.jpg\" alt=\"图片\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Ch3 style=\"margin: 0px 16px 16px; padding: 0px; outline: 0px; font-size: 17px; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-decoration-thickness: initial; clear: both; min-height: 1em; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;;margin-left:16px;margin-right:16px;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; color: #D6A841;font-family: Optima-Regular, PingFangTC-light;\">02 \u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fh3>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">不难发现，「超额收益」的多少和\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">利率变动的方向、幅度\u003C\u002Fstrong>息息相关。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">利率下行、并且降幅越大，那么转让赚到的「利差」就会越多。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">我算了一笔账：如果现在买入3.45%的三年期存单，明年利率能降到3%的话，转手卖出的收益率仍然有\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">4%\u003C\u002Fstrong>\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; text-decoration: none solid #222222; color: #B2B2B2; font-size: 14px;\">（3.45%利息+0.45%利差）\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">看上去还不错~\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">当然，这只是理论回报。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">一旦未来\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">利率降幅不大，甚至不降反升\u003C\u002Fstrong>，期望值就得降一降。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">另外，转手卖出前，你还得多想一步，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">考虑卖出后的资金放哪里\u003C\u002Fstrong>。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">要是没啥好去处，不如持有到期。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">除了有希望薅利率的羊毛，\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; background-color: #FFDAA9;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「转让专区」还可能蹲到意外之喜\u003C\u002Fstrong>\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">比如今天，我就看到一款3.5%、剩余期限不到三年的产品，比「一手」存单的利率还高，结果秒没。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fb9d00eb3-7d3a-443d-8f5c-9fc0dcc32b61.jpg\" alt=\"图片\"> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cbr> \n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">这种「掉馅饼」的机会，时不时就会出现。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">可能是卖家急用钱，或者对转让利率不敏感，比较慷慨。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">不过，抢购的人也多，好机会转瞬即逝~\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F7744347b-24e5-461b-95b3-4c6b841ff692.jpg\" alt=\"图片\"> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Ch3 style=\"margin: 0px 16px 16px; padding: 0px; outline: 0px; font-size: 17px; max-width: 100%; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-decoration-thickness: initial; clear: both; min-height: 1em; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;;margin-left:16px;margin-right:16px;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; color: #D6A841;font-family: Optima-Regular, PingFangTC-light;\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: var(--articleFontsize); letter-spacing: 0.034em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841; letter-spacing: 1px; text-decoration-style: solid; text-decoration-color: #D6A841;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fh3>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">最后，再来说说大额存单怎么买更划算。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">首先，大额存单有一定起购门槛，单笔20万起。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">相比几十元就能买的定期存款，购买难度高出不少。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">其实只看收益的话，它俩相差不大。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">比如我咨询的这家银行，定存\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 14px; color: #888888;\">（1万起）\u003C\u002Fspan>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">和大额存单三年期利率都是3.45%。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">两者最大的区别，在于\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">持有过程中的灵活性——\u003C\u002Fstrong>\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">万一遇上急事，要提前取出定期存款，利息只能按活期利率计算，几乎为零。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">而大额存单可以转让、可以质押，损失要小很多，甚至能赚上一笔。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; color: #D6A841;\">再来，就是选一家功能齐全、收益不错且靠谱的银行了。\u003C\u002Fspan>\u003C\u002Fstrong> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cbr> \n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">1）APP上查功能\u003C\u002Fspan>\u003C\u002Fstrong> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">并不是所有银行都有大额存单转让、质押的功能，你可以提前做好功课。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">比如下载银行的APP，看看有没有转让专区，或者直接问客户经理。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">2）找到靠谱的银行\u003C\u002Fspan>\u003C\u002Fstrong> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cbr> \n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">收益上，地区性的银行利率明显更高，大行、股份制银行利率偏低。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">这也不难理解，大银行客源广，不差钱，中小银行只能靠价格优势吸引客户。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">虽说存款都有保险的保护，但万一遇到去年村镇银行的事儿，也挺闹心的。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">我自己不会追求最高的利率，更在意银行的靠谱程度，排查时会留意几个指标——\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">首先看规模。\u003C\u002Fspan>\u003C\u002Fstrong>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">体量越大的银行，相对而言可靠性更高。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; text-indent: 0em; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">其次看业绩。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">每家银行都得披露年报\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px;\">（银行官网查找）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">，我会关注营收、利润的增速，也会看不良率\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px;\">（有多少贷款没收回来，越低越好）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">、拨备覆盖率指标\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px;\">（给坏账的准备金比例，越高越好）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">对比行业均值和增长趋势来看，心里更有底。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">再来看背景。\u003C\u002Fspan>\u003C\u002Fstrong>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">优选那些上市的银行，它们融资更方便；没有上市的话，可以选择央企、国企作为大股东的，实力更强。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">其他的信息，比如负面舆情也很值得参考，综合考虑再作出决策。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">3）跨城存款可「套利」\u003C\u002Fspan>\u003C\u002Fstrong> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">再送上一个能够提高收益的小贴士。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">各个银行在不同地区的存款利率都不一样。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">比如这家银行在上海的大额存单是3.45%，但福建就有3.75%的利率。\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34); font-size: 16px;\">\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; text-indent: 0em; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">碰巧接下来我有去福建的行程，打算顺路去当地银行开卡存钱。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px;     letter-spacing: 0.544px; text-indent: 0em;       text-decoration-thickness: initial;   line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; text-indent: 0em; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">你也可以多问一嘴，哪里利率高，顺便的话，不妨优选高利率地区。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px;     letter-spacing: 0.544px; text-indent: 0em;       text-decoration-thickness: initial;   line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">好啦，大额存单就和你聊到这里了，附上一张总结图——\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cbr> \n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify; margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px; text-indent: 0em; text-decoration-thickness: initial; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F32c866b2-e8ac-4929-a7e5-4cf29b7ac093.jpg\" alt=\"图片\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: var(--articleFontsize); letter-spacing: 0.034em;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection>\u003C\u002Fsection>\n  \u003Csection>\u003C\u002Fsection>\n  \u003Csection>\n   \u003Cbr> \n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp style=\"margin-left:16px;margin-right:16px\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">你有哪些购买存款的心得呢？\u003C\u002Fspan>\u003C\u002Fstrong>    \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px;\">欢迎在评论区留言哦~\u003C\u002Fspan> \u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cp>\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","","2023-09-11 11:46:10","2023-08-19 17:00:00",100,0,"zhengjiurong@jane7.com","liuweixin@jane7.com","2023-08-18 10:37:46",237,false,15626,6,"1038002",8,[],[],[],[],[]]