talks about China's richest man, that must be Jack Ma. Jack Ma, the founder of Alibaba, is not only an outstanding entrepreneur. His Alipay pioneered mobile payment, changed banks, and completely changed the payment habits of Chinese people. The Jack Ma family, worth 315 billion yuan, won the throne of China's richest man.
As for the 315 billion yuan, everyone may just think that this is an astronomical figure and there is not much concept, but if Jack Ma deposits all the 315 billion yuan in the bank, how much interest will one day? Although the interest rate of small and medium banks may be higher, the security is relatively poor. 315 billion yuan is not 3150 yuan, even if there is a deposit of 500,000 yuan, it is not very safe.
Currently, banks have many deposit and wealth management products. In the face of huge deposits, the most suitable product for banks should be large deposit certificates. Due to its security, it is also very suitable for calculating interest through documents. In order to attract depositors, they can basically "bargain" with banks to obtain huge deposits.
Currently, the three-year deposit interest rate of state-owned banks is generally 4.18%. If you deposit a three-year certificate of deposit, the annual interest rate will be 315 billion * 4.18% = 13.167 billion. If you need a higher interest rate, you can negotiate with the bank based on the deposit amount. The 5% deposit rate is not a problem at all. Then the annual interest rate is 315 billion * 5% = 15.75 billion. It is exciting to think that you can create a billionaire with only one year of interest income.
Jack Ma himself once said that his personal assets, his purpose has never been to make money, and his happiest thing is to become a simple rural teacher. But in any case, Jack Ma personally obtained such a high asset, how to deal with his personal assets is up to him. If you were Jack Ma, what would you do with such a large sum of money?
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