2019-09-26

## 基金 & 理财

#### (2019-09-25 12:44:27)

### 金融名词

- **年化收益率**：投资期限为一年所获的收益率。年化收益率是4.5％，那么10000元一年能得收益450元。

- **七日年化收益率**：指的是最近七天的平均值乘以365等于4.50%。

### 理财工具

- **余额宝**：本身是一种货币基金，虽然亏本的情况很少，但还是有亏本的可能性，另外，支付宝的安全性依然跟手机挂钩，丢了手机相当于支付宝被盗空的情况依然存在，但在手机不离身的情况下，支付宝的安全性依然值得肯定，因此风险指数小编定为30。

- **银行利息**：银行存款的风险只有一种，银行卡被复制密码被盗，否则是不可能有风险的，因此风险是1。

|工具/年化收益率|活期|死 期| | |

|--|--|--|--|--|

|余额宝 |4%(约3年定期)||||

|银行储蓄|0.35%| |||

<table log-set-param="table_view" width="631" class="table-view log-set-param"><tbody><tr><td width="487" height="19" align="left" valign="middle" colspan="6"><div class="para" label-module="para">金融机构人民币存款基准利率</div>

</td><td width="144" height="0" align="left" valign="middle" colspan="2"><div class="para" label-module="para">单位：年利率%</div>

</td></tr><tr><td width="127" height="38" align="left" valign="middle" rowspan="2"><div class="para" label-module="para">调整时间</div>

</td><td width="72" height="0" align="left" valign="middle" rowspan="2"><div class="para" label-module="para">活期存款</div>

</td><td width="432" height="0" align="left" valign="middle" colspan="6"><div class="para" label-module="para">定 期 存 款</div>

</td></tr><tr><td width="72" height="19" align="left" valign="middle"><div class="para" label-module="para">三个月</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">半年</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">一年</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">二年</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">三年</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">五年</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1952.9.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">12.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">14.4</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1953.1.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">14.4</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1954.9.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">14.4</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1955.10.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.04</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.12</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.92</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1959.1.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.16</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.8</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1959.7.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.16</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.68</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.12</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.3</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.5</div>

</td><td width="72" align="left" valign="middle"></td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1965.6.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.16</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.24</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.96</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1971.10.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.16</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.24</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"></td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1979.4.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.16</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.96</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.04</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1980.4.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.32</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.4</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.12</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.84</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1982.4.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.32</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.76</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.84</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.92</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1985.4.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.84</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.92</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">8.28</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1985.8.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.12</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.2</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">8.28</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.36</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1988.9.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.48</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">8.64</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.18</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.8</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1989.2.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"></td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">11.34</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">12.24</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">13.14</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">14.94</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1989.6.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.56</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">11.34</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">12.24</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">13.14</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">14.94</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1990.04.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.3</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.74</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.08</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.98</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">11.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">13.68</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1990.08.21</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.16</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.32</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.48</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">8.64</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.36</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.08</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">11.52</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1991.04.21</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.24</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.56</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.92</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">8.28</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1993.05.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.16</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.86</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.2</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.18</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.9</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">12.06</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1993.07.11</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.66</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.98</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">11.7</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">12.24</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">13.86</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1996.05.01</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.97</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.86</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.2</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.18</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9.9</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">10.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">12.06</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1996.08.23</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.98</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.33</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.47</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">7.92</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">8.28</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">9</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1997.10.23</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.71</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.14</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.67</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.94</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.21</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.66</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1998.03.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.71</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.14</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.22</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.58</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.21</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">6.66</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1998.07.01</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.44</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.79</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.96</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.77</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.86</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.95</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.22</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1998.12.07</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.44</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.79</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.33</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.78</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.96</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.14</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.5</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">1999.06.10</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.99</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.98</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.16</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.43</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.7</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2002.02.21</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.71</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.89</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.98</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.52</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.79</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2004.10.29</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.71</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.07</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.7</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.24</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.6</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2006.08.19</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.52</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.06</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.69</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.14</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2007.03.18</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.98</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.43</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.79</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.33</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.96</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.41</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2007.05.19</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.07</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.61</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.06</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.69</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.41</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.95</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2007.07.21</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.81</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.34</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.33</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.96</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.68</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.22</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2007.08.22</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.81</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.61</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.23</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.95</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.49</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2007.09.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.81</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.42</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.87</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.22</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.76</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2007.12.21</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.33</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.78</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.14</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.68</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.85</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2008.10.09</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.51</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.87</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.41</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.13</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.58</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2008.10.30</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.72</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.88</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.24</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.14</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.77</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.13</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2008.11.27</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.36</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.98</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.52</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.06</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.87</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2008.12.23</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.36</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.71</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.98</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.79</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.33</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.6</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2010.10.20</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.36</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">1.91</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.2</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.85</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.2</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2010.12.26</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.36</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.75</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.55</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.55</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2011.2.9</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.9</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2011.4.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.85</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.05</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.15</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.75</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.25</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2011.7.7</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.3</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.5</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2012.6.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.4</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.85</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.05</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.1</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.65</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">5.1</div>

</td></tr><tr><td width="127" height="19" align="left" valign="middle"><div class="para" label-module="para">2012.7.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">0.35</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.6</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">2.8</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">3.75</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.25</div>

</td><td width="72" align="left" valign="middle"><div class="para" label-module="para">4.75</div>

</td></tr><tr><td align="left" valign="middle" colspan="1" rowspan="1">2014.11.22*</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">0.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.55</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.75</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">3.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">4.00</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">­——</td></tr><tr><td align="left" valign="middle" colspan="1" rowspan="1">2015.03.01</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">0.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">2.10</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.30</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.50</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">3.10</td><td align="left" valign="middle" colspan="1" rowspan="1">3.75</td><td align="left" valign="middle" colspan="1" rowspan="1">­——</td></tr><tr><td align="left" valign="middle" colspan="1" rowspan="1">2015.05.11</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">0.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">1.85</td><td align="left" valign="middle" colspan="1" rowspan="1">2.05</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.25</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">2.85</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">3.50</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">­——</td></tr><tr><td align="left" valign="middle" colspan="1" rowspan="1">2015.06.28</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">0.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">1.60</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">1.80</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.00</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.60</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">3.25</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">­——</td></tr><tr><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2015.08.26</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">0.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">1.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">1.55</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">1.75</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">2.35</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">3.00</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">­——</td></tr><tr><td align="left" valign="middle" colspan="1" rowspan="1">2015.10.24</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">0.35</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">1.10</td><td align="left" valign="middle" colspan="1" rowspan="1">1.30</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">1.50</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.10</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1"><div class="para" label-module="para">2.75</div>

</td><td align="left" valign="middle" colspan="1" rowspan="1">­——</td></tr></tbody></table>

### 复利公式

- 余额宝复利

- 余额宝最多只能存十万

- 余额宝可以复利吗，复利公式怎么算？

-

-

### 小结

- **年化收益率**是趋于不变的，**七日年化收益率**是不断变化的。**年化收益率**更具有参考价值。

- **余额宝**利息每天都会上下浮动，但浮动不大，一般都在“分”以下浮动。**银行利息****活期**和**定期存款**的利息可谓真的是几乎不变。要变的话，也是以年为单位。除非遇上经济危机，否则中国人民银行不会在一年之内多次上调存款利率。

- 7月28日的**余额宝**利息盈利能力可以跟银行3年**定期存款**的利息相比。如果现在**余额宝**利息大概不变，并且是10万元级别的特大额存款的话，每天的利息叠加，3年后的**余额宝**利息总收入应该是远大于银行3年**定期存款**的利息。跟银行存款活期利息想比，**余额宝**利息是其的12倍多。

- 银行年华收益率从**1952年**的**14.4**个点到**2015年**的1.5个点，降的幅度极大。可能也是鼓励消费、扩大内需的结果。

var benjin = 10000;

var lilv = 0.006%;

benjin + benjin * lilv

benjin + (1 + lilv)

(benjin + benjin * lilv) +  (benjin + benjin * lilv) *lilv

(benjin + (1 + lilv)) + (benjin + (1 + lilv))*lilv

benjin

10000 + 10000*0.006%