【Solution】Solution: In two years, A: $10000+10000 \times 11.7 \% \times 2 \times(1-20 \%)$,
$$
\begin{array}{l}
=10000+1872, \\
=11872 \text { (yuan); } \\
5 \text { years: } 11872+11872 \times 12.24 \% \times 3 \times(1-20 \%), \\
=11872+3487.5187, \\
=15359.5187, \\
\approx 15359.52 \text { (yuan); } \\
\text { B after 5 years: } 10000+10000 \times 13.86 \% \times 5 \times(1-20 \%), \\
=10000+5544, \\
=15544 \text { (yuan); } \\
15544 \text { - } 15359.52=184.48 \text { (yuan); }
\end{array}
$$

Answer: B's earnings are higher, by 184.48 yuan.
The answer is: 184.48.
8. (3 points) The annual interest rates for fixed-term deposits at the bank are: 2-year term at $11.7 \%$, 3-year term at $12.24 \%$, and 5-year term at $13.86 \%$. If person A and person B each deposit 10,000 yuan at the same time, person A first deposits for a 2-year term, and upon maturity, rolls over the principal and interest into a 3-year term; person B deposits for a 5-year term. After five years, both withdraw their deposits simultaneously. Who has the higher return, and by how much more?