What does it mean that the number sent by Gong Hu is higher than the high warning setting? What's the impact?

Above the set high warning amount, the depositor's money in the bank exceeds the warning line of high deposit. For example, the warning line is 20,000 yuan, and now there is 20,002 yuan in the card. If you exceed the warning line, you will receive a reminder message. The bank has a balance warning function for corporate accounts, which is set at the bank of deposit. If the set high warning is too low, you can contact the bank to raise it.

The so-called high deposit in the bank, and the product invested by 200,000 yuan is the large deposit certificate of the bank, and the annual interest rate is about 4. 18%. Some bank wealth management products also have certain requirements for the amount of funds. The larger the amount, the higher the rate of return, which can reach about 5%. In addition, some 3-5-year time deposits have interest rates as high as 5.5%.

Extended data

The difference between certificates of deposit and general certificates of deposit is that certificates of deposit can be transferred in advance, with a term of not less than 7 days, a high investment threshold and an integer amount.

China's certificates of deposit were officially launched on June 5, 20 15, and denominated in RMB. As a general deposit, the interest rate of certificates of deposit is higher than that of time deposits of the same term. Most of them rise by 40% on the basis of the benchmark interest rate, a few banks rise by 45%, and time deposits generally rise by about 30% at the highest.

The introduction of certificates of deposit is conducive to expanding the market-oriented pricing range of debt products in an orderly manner and improving the market-oriented interest rate formation mechanism; It is also conducive to further training the independent pricing ability of financial institutions, cultivating the market-oriented pricing concept of retail market participants such as enterprises and individuals, and making useful explorations and accumulating valuable experience for continuing to promote the marketization of deposit interest rates.

Baidu encyclopedia-deposit certificate