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Of course, for ordinary people, the yield is 3.9% or 4%, not much. But for yu 'e bao, which has 1.56 trillion yuan, the difference is significant. At present, about the nature of the enterprise. Western economists have different views. There is also some debate. Some western economists analyze the nature of the enterprise mainly from the perspective of transaction costs that coase emphasizes. Advertisement The five-year average interest rate is also gradually rising, now more than 2 percentage points for the first time since July 2016.