(2)

Wang Ming: 20,000 = 20,000× 4.15 %× 2 =1660 (yuan) 20,000× 4.75 %× 3 = 2580 2580+1660 = 45/kloc.

Zhang Qiang: 20000× 5.25 %× 5 = 5250 (yuan)

5250>45 10

5250-45 10=740 (yuan)

A: Zhang Qiang gains more and 740 yuan more.