自2016年9月6日费改之后，以前llj的路子已经走不通了，费改之后，银行拿走了大部分利润，tx的成本明显高了很多。
本文也就此，做一些探讨。
1、淡褐色的为45天时间，扣除手续费之后的利润，手续费是按照0.65%费率计算的。
2、白色的金额就是你使用自有资金可以获得的全部利润。
3、这个表单可以另存，用来寻找自己更适宜的其他目标。
4、注意安全～～～，P2P跑路的太多。
第1梯队-安全系数高、收益高、周期短
| 网站名称 | 优势(利率都为年化) |
| 恒瑞财富 | 活期:8％～10% 定期:10~14.8% 当日到帐，周末可以提现 |
| 贝米钱包 | 活期:9％～9.4% 定期:10% 即时计息，当日到帐 |
| 考拉理财 | 活期:7.4% 定期:7.8~10% 招商银行1000万元的储备金 中国人民保险承保账户安全 |
| 联币金融 | 活期:7.0％ 定期:10~15% |
第2梯队-安全系数中、收益中、周期中
| 网站名称 | 优势 |
| 铜掌柜 | 收益高/周期短 实业金融服务 上市公司(中来股份600818)入股 |
| 有利网 | 投资公司看好，活期利润比余额宝之类高很多 |
| 陆金所 | 中国平安集团兜底 |
第三梯队-安全系数高、收益一般、周期一般
| 产品名 | 持有天数 | 年化收益率 | 日产值/万元 | 月产值/万元 | 公司 | 备注 |
| 活期通 | 1 | 2.20% | 0.6 | 18 | 华夏基金 | |
| 钱大掌柜 | 1 | 2.76% | 0.72 | 21.6 | 兴业银行 | 建议绑定招行 |
| 朝朝盈 | 1 | 2.60% | 0.69 | 20.7 | 招商银行 | 最高5万限额 |
| 小白理财 | 1 | 4.06% | 1.09 | 32.7 | 京东 | |
| 余额宝 | 1 | 2.42% | 0.66 | 19.8 | 淘宝 | 取现收费 |
讲了那么多，POS机刷卡那么费率高，有低成本的么？有，二维码扫码支付。
需要的话，点击http://a.yuanbaibai.com/mr.html?m=13291858814
并联系我QQ 114406255 获取激活码。
·2017年4月更新。现在贝米钱包已经签了银行托管，所以目前看上去不错，本人已经入贝米的坑。
如果有网友一起投资的话，欢迎使用我的邀请码IJZOAZ
用了这个邀请码，你和我都有红包拿。或者扫描这个二维码下载。
欢迎留言一起交流理财。
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