[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025012220062013123":3,"related-JP2025012220062013123":32},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":17,"postTime":18,"viewTime":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":21,"updateBy":21,"createTime":22,"visitCount":23,"isLiked":20,"realSearch":24,"isRead":20,"productId":25,"isCollected":20,"collectCount":26,"vipExclusive":20,"allowComment":7,"style":27,"likeCount":7,"duration":20,"playStyle":7,"seoKeywords":11,"articleModuleVoList":28,"extendContentList":29,"noteCount":20,"categoryList":30,"dailyKeywordList":31},10,6725,"1",1,"JP2025012220062013123","1041018",3,"","这么买，存款收益多一点","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","4种能多赚点的存款","\u003Csection>\n \u003Cp style=\"text-align:left;margin-bottom: 0px; text-wrap: wrap; outline: 0px; color: rgb(34, 34, 34); letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 1.5em; visibility: visible; margin-left: 15px; margin-right: 15px;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">晚上好~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">最近看到一个新闻，有点哭笑不得：银行嫌弃钱太多，都开始拒绝长期存款了😅\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002Fd5cfee37-a8c1-41a1-9c79-4ff2d9bdd436.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这年头，地产、股市低迷，靠谱的投资选择不多。于是，安全保本*的存款又香了起来。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">*单银行存款50万以下，受到存款保险保障\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">扎心的是，存款利率也是一降再降。那么，\u003Cstrong>怎样可以多赚点呢？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">其实，除了咱们熟悉的定期存款，存款家族还有其他「身怀绝技」的小伙伴。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">今天，就来和你好好扒一扒存款产品，丰富你的理财工具箱~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F5db27d18-92a0-4b1b-88ff-3e22e7c7bacc.jpg\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-bottom: 8px; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong style=\"color: rgb(214, 168, 65);text-align: center;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=\"font-size: 16px;\">01 大额存单转让（20万+）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">和普通定期存款相比，大额存单\u003Cstrong>起购金额不低于20万\u003C\u002Fstrong>，相对的，利率也会高一点。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">拿招行来说，1年期存款利率是1.95%，大额存单是2%。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">另外，大额存单还自带一个\u003Cstrong>隐藏技能：\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>可转让\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">买下大额存单并持有一段时间后，如果你急用钱，可以把存单转让给其他买家。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">相比定期存款提前取出，利息只能按活期算\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（几乎为零）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，非常灵活。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">对买家来说，转让区的价格往往更香。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">因为卖家要变现，利率总得比银行挂牌价高点，否则无法脱手。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">拿招行来举例，两年期左右的转让价格就比官方定价高出0.1%，买家就能轻松多赚一点。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002F6c5df018-2fcc-4edc-8597-0dc29cb64a61.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：招商银行\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">不过，要注意的是，转让区存单金额比较大，买家得支付全款，不能只买一部分。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">对卖家来说，转让也未必吃亏。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">因为他卖出的，是之前发行的大额存单，利率比现在要高。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">比如这位卖家，去年3.1%买入三年期存单，持有10个月后，以2.26%的利率卖出。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002F856c6221-1a2f-4bce-a280-51535490819b.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：招行app\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">假设顺利成交，那么他付出的成本是300万，得到的收益\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（转让价格）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">是312.8万，\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">年化报酬率接近5.1%*\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（（312.8-300）\u002F300\u002F10*12）\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">回报相当高。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">如果你看好利率下行，可以考虑买入长期存单，锁定利率，未来需要用钱时再转让，赚到利率的「价差」\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（风险提示：利率上行的话，可能会产生亏损哦~）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">大家可以打开自己的银行APP，搜索\u003Cstrong>「大额存单」\u003C\u002Fstrong>，进入\u003Cstrong>「转让专区」\u003C\u002Fstrong>，就能找到了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002Ff2088c27-7bf7-4f26-8401-d62033c2dbca.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：招行app\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">另外，并不是所有银行都有大额存单转让的功能，你可以\u003Cstrong>挑有存单转让的银行买\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002F9e027977-5039-45d7-adb8-6681a51b93af.jpg\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">02 通知存款（5万+）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">接着，来给你介绍一个\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">假期也计息\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">的存款神器：\u003Cstrong>通知存款\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">假设你今天发工资，会发现周五没啥理财、基金能买，都得周一才能起息，周末三天就白白浪费了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">通知存款的优势就在这里，它\u003Cstrong>5万起买\u003C\u002Fstrong>，可以\u003Cstrong>当天计息\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">具体来看，通知存款分为一天期和七天期，支取要提前通知银行。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">你在银行APP，搜索\u003Cstrong>「通知存款」\u003C\u002Fstrong>就能看到了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002Fcf823001-fc24-4a01-9ec4-523b380d9b08.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：工行app\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">想要薅周末羊毛的话，买1天期的就成——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">以工商银行为例，如果\u003Cstrong>今天周五\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（4月12日）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">买入，想周一\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（4月15日）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">取钱，就将到账日期设为\u003Cstrong>下周一\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002Fb7995200-4ce3-4dce-9d3a-699fb330c6a7.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：工行app\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这样，你就能拿到周五~周日合计三天年化0.7%的利息\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（周一早上约9点前自动到账；如提前支取，按活期利率算）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，比活期赚得多。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">虽然是小钱，不过苍蝇腿也是肉，可以慢慢积少成多~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002F181e923c-d8f6-4618-b756-2da0140164f1.jpg\">\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">03 结构性存款（1万+）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">结构性存款挺特别的，它保本不保息，\u003Cstrong>有可能得到高收益\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">背后的原理是，银行会把存款利息的一部分，拿去买金融衍生品，形成这样一个「结构」：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002F4134379a-8e6c-4152-942f-d6bf9786693b.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">假定普通收益为5%的情况下，你的运气一般，没猜准，那么，100元的本金你可以拿回103元；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">如果你运气好的话，就能拿回108元。\u003Cstrong>两种情况的差别，就在于2元「拼手气」最终有没有赚到\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">结构性存款不是每家银行都有，咱们在银行app里搜索「结构性存款」，就能看到了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002F8dc523bf-5729-4f81-b115-46db309abcd8.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：招行app\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">通常，\u003Cstrong>它的起购额是1万元\u003C\u002Fstrong>，也有部分产品的起购额更高。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">结构性存款背后挂钩的金融衍生品，一般是\u003Cstrong>黄金价格、外汇或者股指价格\u003C\u002Fstrong>等。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">其中，挂钩股票指数的，如中证1000、中证500的收益上限比较高，普遍在5%左右。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">但拿到高收益的难度不小。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">比如这只中证500的鲨鱼鳍产品，想取得年化6.9%的前提条件是：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002F20780a36-eb84-4dca-94de-6965319ac805.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">8月14的中证500指数价格，比4月16日的价格高6%。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">不止要猜对具体某一天的涨跌方向，还得精准猜对涨幅，难度不是一般高。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">所以，咱们选择产品时，可以——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">（1）先看产品收益率是否满足\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">预期\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(214, 168, 65);outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">以招行为例，多数结构性存的收益范围也就1.5%-3%，和货币基金差不多，就没啥买的必要了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">（2）对于收益上限高的产品，\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">一看底层资产，是否有所了解；\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">二是查看规则，选择那些条款宽松的产品尝试。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">比如这只产品挂钩中证1000，给了10个观察日，也就是\u003Cstrong>10次猜涨跌\u003C\u002Fstrong>的机会。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002F8eaf58d0-4cce-497e-8a83-a97c89e5796c.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这十天中，\u003Cstrong>任意一天比期初价格高\u003C\u002Fstrong>，持有期间就能获得4.98%的年化收益，容错率好一些。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">不过，我对中证1000指数不太了解，加上这只产品要30万起购，并不打算买，\u003Cstrong>挑选原则供你参考~\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">*之前聊过结构类似的券商收益凭证（挂钩产品更丰富），感兴趣可以了解：\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650672202&idx=1&sn=3f10efc755787a2ebd27e2c86405f6a2&scene=21#wechat_redirect\" style=\"color:#409eff\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(0, 82, 255);font-family:Optima-Regular, PingFangTC-light;\">买了个年化 5% 的保本产品\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002Fd21041d9-f5bf-4053-a8ca-95382ebea491.jpg\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">04 美元存款（2000美元+）\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">除了人民币存款，咱们也可以把目光转向其他币种。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">我们每人每年，最多可以兑换价值5万美元的外币，购买的外币存款\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（如美元）\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，同样受到\u003Cstrong>存款保险\u003C\u002Fstrong>保障。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">最近，美国公布3月份的CPI数据，通胀依然比较「顽固」。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">市场对美联储降息的时间点也是一推再推，首次降息可能要等到9月份。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "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\u002Fbfbd7602-ab43-4f24-9f65-9f247eeacb60.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">图源：CME美联储观察工具\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这意味着，美元存款的高利率，或许还将维持一段时间。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">不过，\u003Cstrong>美元存款利率虽高，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>却不能「无脑冲」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">从人民币的视角看，如果人民币大幅升值，这笔投资仍然有可能亏损。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">来看个例子——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">假设你在汇率7.25\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（即1美元=7.25人民币）\u003C\u002Fspan>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">时，购入1万美元，\u003Cstrong>支出72500元\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">1万美元买入\u003Cstrong>5%美元利率\u003C\u002Fstrong>存款，\u003Cstrong>一年后得到500美元利息\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">此时，\u003Cstrong>人民币升值了6%\u003C\u002Fstrong>，汇率来到6.8；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">你的10500美元资产，\u003Cstrong>只能兑换到71557元人民币\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">和一年前相比，反而亏了942元。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">对咱们普通人来说，不用花心思猜汇率，\u003Cstrong>我觉得两种人比较适合买——\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">1）有海外配置需求\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，手上想多买点其他国家资产，趁机锁定高利率；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">2）未来有海外消费\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，比如留学、旅游计划，早晚都得换美元，也可以提前买。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">目前，\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"outline: 0px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">部分城商行和外资行\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，比如北京、江苏银行还可以达到4.5-5%的水平。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">好啦，以上就是与你分享的存款家族，希望能丰富你的理财选择~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"outline: 0px;color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">还想了解什么产品呢？欢迎留言区告诉我哦~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;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;\">\u003Cbr>\u003C\u002Fp>\n\u003C\u002Fsection>","\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap: wrap; outline: 0px; color: rgb(34, 34, 34); letter-spacing: 0.544px; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 1.5em; visibility: visible;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">晚上好~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">最近看到一个新闻，有点哭笑不得：银行嫌弃钱太多，都开始拒绝长期存款了😅\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16p4f3ye6h142zB9nz4FIcjGicbXTmXI5uab2UostdZxYN9dPJS5rpUvdg\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">这年头，地产、股市低迷，靠谱的投资选择不多。于是，安全保本*的存款又香了起来。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">*单银行存款50万以下，受到存款保险保障\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">扎心的是，存款利率也是一降再降。那么，\u003Cstrong>怎样可以多赚点呢？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cstrong>\u003Cbr\u002F>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">其实，除了咱们熟悉的定期存款，存款家族还有其他「身怀绝技」的小伙伴。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">今天，就来和你好好扒一扒存款产品，丰富你的理财工具箱~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 8px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cstrong style=\"color: rgb(214, 168, 65); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: var(--articleFontsize); letter-spacing: 0.034em;\">01 大额存单转让（20万+）\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">和普通定期存款相比，大额存单\u003Cstrong>起购金额不低于20万\u003C\u002Fstrong>，相对的，利率也会高一点。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">拿招行来说，1年期存款利率是1.95%，大额存单是2%。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">另外，大额存单还自带一个\u003Cstrong>隐藏技能：\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">\u003Cstrong>可转让\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">买下大额存单并持有一段时间后，如果你急用钱，可以把存单转让给其他买家。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">相比定期存款提前取出，利息只能按活期算\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（几乎为零）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">，非常灵活。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">对买家来说，转让区的价格往往更香。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">因为卖家要变现，利率总得比银行挂牌价高点，否则无法脱手。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">拿招行来举例，两年期左右的转让价格就比官方定价高出0.1%，买家就能轻松多赚一点。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16p8H2fMDzH7IfzibSxmGyAhEfQY7XXtiaWs45aPibh2Ix6rJIuGMSHPq39g\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">图源：招商银行\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">不过，要注意的是，转让区存单金额比较大，买家得支付全款，不能只买一部分。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">对卖家来说，转让也未必吃亏。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">因为他卖出的，是之前发行的大额存单，利率比现在要高。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">比如这位卖家，去年3.1%买入三年期存单，持有10个月后，以2.26%的利率卖出。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16p0wvxJn2A4ibR7j8IPjoEiaEwMnO8COp9syLDKdlk0vGAUNIormicgBBJQ\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">图源：招行app\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">假设顺利成交，那么他付出的成本是300万，得到的收益\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（转让价格）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">是312.8万，\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">年化报酬率接近5.1%*\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（（312.8-300）\u002F300\u002F10*12）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">回报相当高。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">如果你看好利率下行，可以考虑买入长期存单，锁定利率，未来需要用钱时再转让，赚到利率的「价差」\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（风险提示：利率上行的话，可能会产生亏损哦~）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">大家可以打开自己的银行APP，搜索\u003Cstrong>「大额存单」\u003C\u002Fstrong>，进入\u003Cstrong>「转让专区」\u003C\u002Fstrong>，就能找到了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16p1SYKbADPjphGEVWyZWibThxw0DGLeksPKzsTtLACQRWYLvR4YK8qibFw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">图源：招行app\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">另外，并不是所有银行都有大额存单转让的功能，你可以\u003Cstrong>挑有存单转让的银行买\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\"\u002F>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>02 通知存款（5万+）\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">接着，来给你介绍一个\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">假期也计息\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">的存款神器：\u003Cstrong>通知存款\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">假设你今天发工资，会发现周五没啥理财、基金能买，都得周一才能起息，周末三天就白白浪费了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">通知存款的优势就在这里，它\u003Cstrong>5万起买\u003C\u002Fstrong>，可以\u003Cstrong>当天计息\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">具体来看，通知存款分为一天期和七天期，支取要提前通知银行。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">你在银行APP，搜索\u003Cstrong>「通知存款」\u003C\u002Fstrong>就能看到了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16pKpqxT490ryQoZVtiaoAYXSicNdDSF4tAqamWuqR7IATxc1B862z1tTyg\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">图源：工行app\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">想要薅周末羊毛的话，买1天期的就成——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">以工商银行为例，如果\u003Cstrong>今天周五\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（4月12日）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">买入，想周一\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（4月15日）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">取钱，就将到账日期设为\u003Cstrong>下周一\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16phF0yQPict85hcFXNmLIZeJTs21FzLRLZx42ibzmibcvw0FSV405Tt3uYw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">图源：工行app\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">这样，你就能拿到周五~周日合计三天年化0.7%的利息\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（周一早上约9点前自动到账；如提前支取，按活期利率算）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">，比活期赚得多。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">虽然是小钱，不过苍蝇腿也是肉，可以慢慢积少成多~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\"\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>03 结构性存款（1万+）\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">结构性存款挺特别的，它保本不保息，\u003Cstrong>有可能得到高收益\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">背后的原理是，银行会把存款利息的一部分，拿去买金融衍生品，形成这样一个「结构」：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_jpg\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16p2iaYVg1nMbwZAIwIozicCab7SOkHUHahHTmceyLr64lJvF3NfEOFoqOw\u002F640?wx_fmt=other&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">假定普通收益为5%的情况下，你的运气一般，没猜准，那么，100元的本金你可以拿回103元；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">如果你运气好的话，就能拿回108元。\u003Cstrong>两种情况的差别，就在于2元「拼手气」最终有没有赚到\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">结构性存款不是每家银行都有，咱们在银行app里搜索「结构性存款」，就能看到了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16pjjbN6lEGkRwfibiaERQgXWZAQosLCevpeFRlBTH33qjKPo1icT8KiakiaLQ\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">图源：招行app\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">通常，\u003Cstrong>它的起购额是1万元\u003C\u002Fstrong>，也有部分产品的起购额更高。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">结构性存款背后挂钩的金融衍生品，一般是\u003Cstrong>黄金价格、外汇或者股指价格\u003C\u002Fstrong>等。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">其中，挂钩股票指数的，如中证1000、中证500的收益上限比较高，普遍在5%左右。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">但拿到高收益的难度不小。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">比如这只中证500的鲨鱼鳍产品，想取得年化6.9%的前提条件是：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16pad2SoXl5JnW1IG0EQtcayf7sTxCJfUnsp4ia4icXM08SeWzCsud7gdJA\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">8月14的中证500指数价格，比4月16日的价格高6%。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">不止要猜对具体某一天的涨跌方向，还得精准猜对涨幅，难度不是一般高。\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">所以，咱们选择产品时，可以——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">（1）先看产品收益率是否满足\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">预期\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">以招行为例，多数结构性存的收益范围也就1.5%-3%，和货币基金差不多，就没啥买的必要了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">（2）对于收益上限高的产品，\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">一看底层资产，是否有所了解；\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">二是查看规则，选择那些条款宽松的产品尝试。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">比如这只产品挂钩中证1000，给了10个观察日，也就是\u003Cstrong>10次猜涨跌\u003C\u002Fstrong>的机会。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16p89a7LltZPFyZZoYZrDXTQjbwZsaaHia572iaH8KlhmxNpTiaGUoyDMDGQ\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">这十天中，\u003Cstrong>任意一天比期初价格高\u003C\u002Fstrong>，持有期间就能获得4.98%的年化收益，容错率好一些。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">不过，我对中证1000指数不太了解，加上这只产品要30万起购，并不打算买，\u003Cstrong>挑选原则供你参考~\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">*之前聊过结构类似的券商收益凭证（挂钩产品更丰富），感兴趣可以了解：\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650672202&idx=1&sn=3f10efc755787a2ebd27e2c86405f6a2&scene=21#wechat_redirect\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px; color: rgb(0, 82, 255);\">买了个年化 5% 的保本产品\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=png\"\u002F>\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>04 美元存款（2000美元+）\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">除了人民币存款，咱们也可以把目光转向其他币种。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">我们每人每年，最多可以兑换价值5万美元的外币，购买的外币存款\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（如美元）\u003C\u002Fspan>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">，同样受到\u003Cstrong>存款保险\u003C\u002Fstrong>保障。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">最近，美国公布3月份的CPI数据，通胀依然比较「顽固」。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">市场对美联储降息的时间点也是一推再推，首次降息可能要等到9月份。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLH1LpscCLbN3cwIDcNyP16py644sGtNqUKjwsUg9vSJqHLvHNbNPLflS9Fz20B9T8wXOtF65ocPUg\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em; text-align: center;\">\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">图源：CME美联储观察工具\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">这意味着，美元存款的高利率，或许还将维持一段时间。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">不过，\u003Cstrong>美元存款利率虽高，\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">\u003Cstrong>却不能「无脑冲」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">从人民币的视角看，如果人民币大幅升值，这笔投资仍然有可能亏损。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">来看个例子——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">假设你在汇率7.25\u003C\u002Fspan>\u003Cspan style=\"font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px;\">（即1美元=7.25人民币）\u003C\u002Fspan>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">时，购入1万美元，\u003Cstrong>支出72500元\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">1万美元买入\u003Cstrong>5%美元利率\u003C\u002Fstrong>存款，\u003Cstrong>一年后得到500美元利息\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">此时，\u003Cstrong>人民币升值了6%\u003C\u002Fstrong>，汇率来到6.8；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">你的10500美元资产，\u003Cstrong>只能兑换到71557元人民币\u003C\u002Fstrong>；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">和一年前相比，反而亏了942元。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">对咱们普通人来说，不用花心思猜汇率，\u003Cstrong>我觉得两种人比较适合买——\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">1）有海外配置需求\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">，手上想多买点其他国家资产，趁机锁定高利率；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">2）未来有海外消费\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">，比如留学、旅游计划，早晚都得换美元，也可以提前买。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">目前，\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"outline: 0px; font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65);\">部分城商行和外资行\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">，比如北京、江苏银行还可以达到4.5-5%的水平。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">好啦，以上就是与你分享的存款家族，希望能丰富你的理财选择~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cspan style=\"outline: 0px; color: rgb(34, 34, 34); font-family: Optima-Regular, PingFangTC-light; letter-spacing: 1px; caret-color: rgb(51, 51, 51);\">还想了解什么产品呢？欢迎留言区告诉我哦~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; text-wrap-mode: wrap; outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; background-color: rgb(255, 255, 255); line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>","2025-01-23 06:25:00",100,0,"liuweixin@jane7.com","2025-01-22 20:06:20",279,false,16775,5,"1038002",[],[],[],[],[]]