Strive for lump-sum deposit and lump-sum withdrawal for one year, and then lump-sum deposit and lump-sum withdrawal of principal and interest for one year: 20000 * (1+4.14%) 2 = 21690.20000.000000000005

Lump sum deposit and lump sum withdrawal for two years: 20000 * (1+4.68% * 2) = 21872.

One-time deposit for two years, more interest! !

duo 2 1872-2 1690.2792 = 18 1.7208。