select a.user_id
,a.acct_bal
,a.pt_d
from user_acct a
inner join user_acct b
on a.user_id = b.user_id
group by a.pt_d
having a.pt_d = max(b.pt_d)//方法一
select * from table_name order by max_value_column desc limit 1;//方法二