10000元存一年,银行和支付宝具体相差多少钱?

作者: 发布时间:2017-12-07 17:18:29  来源: [手机访问]
导读: 支付宝的余额宝,提高了支付宝用户的闲钱理财方式,放在银行卡里,利息很不确定,但是放在支付宝的余额宝里就不一样了,10000元一天大概能收益一元左右,一百万一

支付宝的余额宝,提高了支付宝用户的闲钱理财方式,放在银行卡里,利息很不确定,但是放在支付宝的余额宝里就不一样了,10000元一天大概能收益一元左右,一百万一天能收益100元,差不多可以抵得上一个人一天的工资了(较低的工资水平)。

10000元存一年,银行和支付宝具体相差多少钱?

马云余额宝和银行

遗憾的是现在余额宝限额了,最高只能放10万,余额宝的这种高利率灵活的理财方式,吸引了大量的人民币,曾引起银行和支付宝之间的纠葛,才形成了银行与支付宝之间的对战。银行方面也在不停的适应,比如各大银行都纷纷退出自己的类似“余额宝”的东西。

10000元存一年,银行和支付宝具体相差多少钱?

余额宝

那么如果再余额宝与银行同时存入10000元,一年后会相差多少?

首先看看存银行的收益:

(1)定期存款的利息

央行给一年定期存款定的基准利率为1.500%。以此为计算基准,有如下计算过程:

一万块存定期一年的利息=10000×1.500%=150

又因为,各银行的定期存款利率都会在中央银行定的基准利率之上,有所上浮。所以,一万块存定期一年至少有150元的利息,实际情况会比150元更多。

(2)活期存款的利息

活期利息=存款余额×(活期利率÷360)×存款天数

央行给活期存款顶的基准利率为0.350%。以此为计算基准,以一年有365天为前提,有如下计算过程:

一万块存活期一年的利息=10000×(0.350%÷360)×365=35

所以,如果以央行基准利率计算,一万块存活期一年有35元利息。但是,各大银行的实际利率和中央银行基准利率有所不同。不过不管怎么变动,相差不会超出35元

10000元存一年,银行和支付宝具体相差多少钱?

银行利率表

如果是余额宝会获得多少收益呢?2017存一万元到余额宝一年利息是多少?

支付宝钱包余额宝现在每天的利息约1元以上,相当于年利率是3.65%,比银行的一年定期还高,计算公式为(余额宝/10000*基金公司的每万份收益)比如今天的万份收益是1.1,以公式计算每天就是1元以上了,一个月按30天算的话就是30*1.1=33元,一年的话就是按365天算的话就是365*1.1=401.5元。

401.5-35=366.5,也就是说10000元存入银行活期和支付宝余额宝,一年之后将相差366.5元左右,如果存银行定期就是401.5-150=251.5元,所以你会选择放哪里?

10000元存一年,银行和支付宝具体相差多少钱?

', groupId: '6496679881890333197', itemId: '6496679881890333197', type: 1, subInfo: { isOriginal: false, source: '凝望视觉', time: '2017-12-07 13:55:59' }, tagInfo: { tags: [{"name":"银行"},{"name":"支付宝"},{"name":"中国人民银行"},{"name":"中央银行"},{"name":"基金"}], groupId: '6496679881890333197', itemId: '6496679881890333197', repin: 0, }, has_extern_link: 0 }, commentInfo: { groupId: '6496679881890333197', itemId: '6496679881890333197', comments_count: 0, ban_comment: 0 }, mediaInfo: { uid: '56222953875', name: '凝望视觉', avatar: '//p3.pstatp.com/large/16aa000dd6895e74dae6', openUrl: '/c/user/56222953875/', follow: false }, pgcInfo: {"media_info":{"open_url":"/c/user/56222953875/","avatar_url":"https://p3.pstatp.com/large/16aa000dd6895e74dae6","media_id":1560024108550146,"name":"凝望视觉","user_verified":false},"articles":[{"item_id":"6496682120881111565","url":"/item/6496682120881111565","title":"人突然过世之后,支付宝里的钱退还,微信充公?"},{"item_id":"6496681786901266957","url":"/item/6496681786901266957","title":"阿里巴巴手握四大王牌,砸出83亿拿下24亿人的市场"},{"item_id":"6496681435951268366","url":"/item/6496681435951268366","title":"阿里市值不及腾讯,为何在各种场合上感觉阿里格局更高?"},{"item_id":"6496680604451471885","url":"/item/6496680604451471885","title":"银行多给1600元将用户告上法院,人民网的评论打脸了"}]}, feedInfo: { url: '/api/pc/feed/', category: '__all__', initList: [{"comments_count":28,"media_avatar_url":"//p8.pstatp.com/large/150c0006f7ba5b42d83f","is_feed_ad":false,"is_diversion_page":false,"title":"刚刚,监管出手!银行业大利空来了!","single_mode":true,"gallary_image_count":2,"middle_mode":true,"has_video":false,"video_duration_str":null,"source_url":"/group/6496590680779915789/","source":"小白读财经","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":1,"image_url":"//p9.pstatp.com/list/190x124/4aeb00043efe3283aff9","group_id":"6496590680779915789","is_related":true,"media_url":"/c/user/6008698230/"},{"comments_count":274,"media_avatar_url":"//p3.pstatp.com/large/46d100016fcb389a3078","is_feed_ad":false,"is_diversion_page":false,"title":"马云:你放了多少钱在支付宝的余额宝里?","single_mode":true,"gallary_image_count":5,"middle_mode":false,"has_video":false,"video_duration_str":null,"source_url":"/group/6494392874421977613/","source":"半生荣辱两言过","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":0,"image_url":"//p1.pstatp.com/list/190x124/4a3200027ceaba8952a5","group_id":"6494392874421977613","is_related":true,"media_url":"/c/user/75601836774/"},{"comments_count":346,"is_related":true,"is_feed_ad":false,"is_diversion_page":false,"title":"如果有一个亿,存银行有利息吗?","single_mode":true,"gallary_image_count":3,"middle_mode":false,"has_video":false,"video_duration_str":null,"source_url":"/group/6494407484675981582/","source":"悟空问答","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":0,"image_url":"//p3.pstatp.com/list/190x124/3ea6000ab714b7a81749","group_id":"6494407484675981582"},{"comments_count":53,"media_avatar_url":"//p3.pstatp.com/large/6cb001be3bb6bbe4b26","is_feed_ad":false,"is_diversion_page":false,"title":"房价大跌,房子就被银行收走?目前只有这一类人最危险!","single_mode":true,"gallary_image_count":3,"middle_mode":false,"has_video":false,"video_duration_str":null,"source_url":"/group/6495987868236775949/","source":"楼市微观察","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":14,"image_url":"//p3.pstatp.com/list/190x124/4ae10003110759ea03a6","group_id":"6495987868236775949","is_related":true,"media_url":"/c/user/6722336654/"},{"comments_count":468,"is_related":true,"is_feed_ad":false,"is_diversion_page":false,"title":"25岁每年交1万存银行, 30年后够养活自己吗?","single_mode":true,"gallary_image_count":2,"middle_mode":false,"has_video":false,"video_duration_str":null,"source_url":"/group/6494979859050135822/","source":"悟空问答","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":0,"image_url":"//p1.pstatp.com/list/190x124/4a35000304e33a62dca9","group_id":"6494979859050135822"},{"comments_count":45,"media_avatar_url":"//p1.pstatp.com/large/ef400034d4f0041dcc9","is_feed_ad":false,"is_diversion_page":false,"title":"为缓解压力,给银行补充25749亿,想贷款的抓紧了","single_mode":true,"gallary_image_count":7,"middle_mode":true,"has_video":false,"video_duration_str":null,"source_url":"/group/6495576765694476813/","source":"中亿行金融","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":3,"image_url":"//p1.pstatp.com/list/190x124/4ada0002a977bfd39281","group_id":"6495576765694476813","is_related":true,"media_url":"/c/user/6318489934/"},{"comments_count":153,"media_avatar_url":"//p3.pstatp.com/large/437200017feaccc5c65f","is_feed_ad":false,"is_diversion_page":false,"title":"企业为什么要开银行承兑汇票 ,而不直接付款, 直接付款多省事!","single_mode":true,"gallary_image_count":3,"middle_mode":false,"has_video":false,"video_duration_str":null,"source_url":"/group/6495512857826820621/","source":"承兑管家","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":5,"image_url":"//p3.pstatp.com/list/190x124/4ade000148a1871d6f0a","group_id":"6495512857826820621","is_related":true,"media_url":"/c/user/74853607903/"},{"comments_count":60,"media_avatar_url":"//p1.pstatp.com/large/18a5000b4d9411547bc2","is_feed_ad":false,"is_diversion_page":false,"title":"马化腾打着股东利益怼支付宝 蚂蚁金服回应:我关心的是用户利益","single_mode":true,"gallary_image_count":2,"middle_mode":true,"has_video":false,"video_duration_str":null,"source_url":"/group/6496348393818817037/","source":"微聚时尚生活","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":31892,"image_url":"//p1.pstatp.com/list/190x124/4aec0001613da3bfb5ff","group_id":"6496348393818817037","is_related":true,"media_url":"/c/user/5905352760/"},{"comments_count":207,"media_avatar_url":"//p3.pstatp.com/large/400f00008ea5248ecd56","is_feed_ad":false,"is_diversion_page":false,"title":"银行变脸严控贷款买房,明年底房贷利率或涨至6%","single_mode":true,"gallary_image_count":2,"middle_mode":true,"has_video":false,"video_duration_str":null,"source_url":"/group/6495624427974165006/","source":"房太尉","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":2,"image_url":"//p3.pstatp.com/list/190x124/4ade00037b2b5fb6459b","group_id":"6495624427974165006","is_related":true,"media_url":"/c/user/70454987749/"},{"comments_count":6,"media_avatar_url":"//p3.pstatp.com/large/46da00017804ba835898","is_feed_ad":false,"is_diversion_page":false,"title":"银行贷款买房,这样的流水通过率最高!","single_mode":true,"gallary_image_count":1,"middle_mode":true,"has_video":false,"video_duration_str":null,"source_url":"/group/6494229562853949966/","source":"融易搜","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":0,"image_url":"//p9.pstatp.com/list/190x124/471f0004bfafd5ad8bc3","group_id":"6494229562853949966","is_related":true,"media_url":"/c/user/73969915813/"},{"comments_count":2,"media_avatar_url":"//p6.pstatp.com/large/43760002a37e7d2f83c4","is_feed_ad":false,"is_diversion_page":false,"title":"银行信用贷款流程是怎样的?没你想的那么复杂!","single_mode":true,"gallary_image_count":1,"middle_mode":true,"has_video":false,"video_duration_str":null,"source_url":"/group/6495883775661048333/","source":"99贷","more_mode":null,"article_genre":"article","has_gallery":false,"video_play_count":19,"image_url":"//p1.pstatp.com/list/190x124/4adf00044a0fc1556a39","group_id":"6495883775661048333","is_related":true,"media_url":"/c/user/3204441971/"}] }, shareInfo: { shareUrl: 'https://m.toutiao.com/group/6496679881890333197/', abstract: '支付宝的余额宝,提高了支付宝用户的闲钱理财方式,放在银行卡里,利息很不确定,但是放在支付宝的余额宝里就不一样了,10000元一天大概能收益一元左右,一百万一天能收益100元,差不多可以抵得上一个人一天的工资了(较低的工资水平)。
返回首页收藏本文点击复制

标签:    

 下载  图片  视频
相关报道
热点排行

关于我们 联系我们 网站律师 editor 版权声明 滚动新闻 网站地图