How much is the monthly interest of the Rural Commercial Bank for a fixed term of five years? What a

If the interest rate is 10,000 yuan for a fixed deposit in the Rural Commercial Bank for 5 years, then the interest rate for one month is 475 yuan. Therefore, if your savings can be saved for a long time, the interest will be more, which is also more conducive to your own economic returns.

Rural Commercial Bank has a fixed deposit of five years, and if the interest rate of the five-year fixed deposit is one, the interest rate of saving 10,000 yuan a month is yuan. We can also get more income by investing in fixed deposit products of other banks, such as Industrial and Commercial Bank of China or Bank of Communications, which also have 3-year or 5-year fixed deposit products; You can invest in the bank's wealth management products, some of which have short fixed time, flexible withdrawals and high returns, which are also good choices; You can also choose the highest fixed income type of products, in addition to low risk, its benefits are also considerable.

In fact, the interest rate changes every year, and this also needs to be decided according to the bank's policy, but in fact, although the deposit bank is a stable capital guarantee, the interest is not much, and it is not used to invest or do other things to obtain more benefits.

Rural commercial banks have a fixed term of five years, with an interest rate of more than 2% a month. At present, the interest rate of fixed deposits in banks is not high, and there is no more cost-effective proposal. You can choose other investment channels.

The interest rate on the fixed deposit of the rural commercial bank should be calculated according to the deposit interest rate of the rural commercial bank, and the deposit interest rate of the rural commercial bank in different regions is different, but it is floating on the benchmark interest rate of the central bank, taking the Shanghai Rural Commercial Bank as an example

1. Lump sum deposit and lump sum withdrawal: The annual interest rate of the one-year lump sum deposit of Shanghai Rural Commercial Bank is 20,000 yuan, and the interest of the one-year deposit is 20,000 yuan.

2. Fractional deposit, lump sum deposit, principal and interest: the annual interest rate for one year is 20,000 yuan for deposits, and the interest for one year is 20,000 yuan.

Extended Materials. Rural Commercial Bank, referred to as Rural Commercial Bank, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction.

All rural cooperative banks should be restructured into rural commercial banks.

Founding Background. Jiang Liming, director of the Supervision Department of Cooperative Financial Institutions of the China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be restructured into rural commercial banks. Completely abolish the qualification unit, and encourage eligible rural credit cooperatives to be restructured and established into rural commercial banks.

On the premise of maintaining the overall stability of the status of county (city) legal persons, we should steadily promote the reform of provincial associations, and gradually build a new type of relationship between provincial associations and grassroots legal persons with property rights as the link, equity as the link, and regulations as constraints, so as to truly form a community of interests between the provincial associations and the grassroots legal persons.

The proportion of qualified shares of rural credit cooperatives nationwide has dropped to less than 30 percent, about 303 rural commercial banks and about 210 rural cooperative banks have been established, and the total assets of rural banking institutions account for the total assets of rural cooperative financial institutions in the country. In addition, 1,424 rural credit cooperatives have met or basically met the conditions for the establishment of rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of the deep-seated system and mechanism.

Latest policy. On May 21, 2019, the People's Bank of China issued the Notice of the People's Bank of China on Lowering the RMB Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework for the implementation of lower reserve requirement ratios for small and medium-sized banks announced by the PBOC on May 6. The "Notice" makes it clear that the targeted RRR reduction will be implemented in three times, and the scale of the three landings is clarified.

That is, on May 15 and June 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point, and on July 15, the deposit reserve ratio was lowered to 8%.

The fixed interest rate of the Rural Commercial Bank for one to three years.

In the left and right. Fixed deposits are divided into various methods, such as lump sum deposits, lump sum deposits, and principal deposits, among which the interest rate of lump sum deposits and lump sum withdrawals is relatively high.

At present, the average interest rate of the three-year lump sum deposit and lump sum withdrawal of rural commercial banks is about the same, and the average interest rate of the three-year lump sum deposit and withdrawal of the whole deposit is around the same level.

Extended Materials. 1. The concept of fixed deposit interest rate.

The interest rate on a fixed deposit is the rate of return paid by the bank to the depositor for the amount of the fixed deposit paid by the depositor in return for depositing the deposit in the bank in the form of a fixed term.

A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. It has the characteristics of a minimum deposit period of 3 months and a maximum of 5 years, a large margin of choice and a relatively stable interest income.

2. Definition of Time Deposit.

Fixed deposit refers to the depositor's deposit of cash in a fixed savings account opened by a banking institution, and the deposit time is agreed in advance to be fixed for a fixed period of time, so as to be higher than the current hail deposit.

It is a form of savings in which the principal and interest can be received after the expiration of the term.

A fixed deposit is the money or currency that the depositor temporarily transfers the right to use to the bank under the condition that the depositor retains ownership, and is the most important source of credit funds for the bank.

A document for a fixed deposit, usually with a "certificate of deposit."

and "Periodic Passbook."

Both. 2.Kind:

Generally, according to the deposit period, it is divided into 3 months, 6 months, one year, three years, etc.

3.Interest rate: The interest rate on a fixed deposit is the rate of return paid by the bank to the depositor on the amount of the fixed deposit.

4.Extraction method:

The full amount shall be withdrawn at maturity, and the principal and interest shall be settled at one time according to the prescribed interest rate;

If the full amount is withdrawn in advance, the bank will pay interest according to the current deposit interest rate announced on the date of withdrawal;

Part of the withdrawal is made in advance, the withdrawal part is calculated according to the current period, and the rest is still according to the regular period.

Usually, the interest rate on fixed deposits varies depending on the tenor.

Rural Commercial Banks now have a one-year fixed annual interest rate and a three-year fixed annual interest rate. At present, the fixed interest rates of major commercial banks are different, but they are not much different. If you deposit 10,000 yuan, then the fixed interest for one to three years is 220 yuan and 350 yuan respectively.

Extended Information: How to save money with high interest?

1. 12. Certificates of Deposit Method.

The specific method is to save a one-year fixed deposit every month, save for 12 consecutive months, after a year has passed, the first certificate of deposit can be withdrawn just when it expires, and a sum of money can be withdrawn when it expires every month in the future.

This method of saving money not only takes into account the flexibility of using money, but also enjoys the high interest rate of fixed deposits, which is suitable for salarymen who want to save money.

Xi Caijun tried the 60 single savings method 5 years ago, the front line is relatively long, the time cost is too high, and it was interrupted halfway, so it is better to start with 12 orders.

2. Tiered deposit method.

Divide a fixed amount of money into multiple installments, each of which is deposited into a fixed deposit of a different duration.

For example, divide 50,000 yuan into five parts, each of which is 10,000 yuan, and save them for 1 year, 2 years, 3 years, 4 years, and 5 years, so that 10,000 yuan of principal and interest will mature every year, which will not only be used for money, but also earn good interest.

3. Compound Deposit Method.

The compound deposit method is the principal deposit and interest withdrawal + fractional deposit and withdrawal. Deposit 100,000 yuan in the bank, choose to deposit the principal and withdraw interest, and take out the interest every month and put it into the zero deposit and lump sum account, so that the zero deposit and lump sum account can also earn interest every month, this method of saving money has certain requirements for the amount of funds, and the operation is more troublesome, but the interest is more.

4. Call Deposit.

If you have a lot of money to use frequently, you can use a 1-day call deposit or a 7-day call deposit. The call deposit starts at 50,000 yuan, and the interest rate is higher than that of the demand deposit, so you need to notify the bank in advance and agree on the date of deposit and withdrawal.

5. Choose a small bank deposit.

Small banks, such as city commercial banks or private banks, have higher interest rates on deposits. Taking the innovative deposits of private banks as an example, the interest rate of most demand deposits is above 4%, far exceeding the interest rate of ordinary demand deposits. These deposit products are also protected by deposit insurance, so you don't have to worry too much about security.

The one-year to three-year fixed interest rate of the Rural Commercial Bank should be between 3% and 5%, and the one-to-three-year fixed deposit interest of the Rural Commercial Bank is a little higher than that of the four major banks, otherwise, it will be difficult for them to attract deposits.

The interest rate of the four major banks is basically between 4% and 4% for 1 to 3 years, and the maximum will not exceed 4%.

Hello, do you have any questions?

At present, the fixed interest rates of major commercial banks are different, but the difference is not large, and the annual interest rate of rural commercial banks is about one year and about three-year.

The fixed interest rate of rural commercial banks for one to three years should now reach such a level of 3%, because the interest rate of these banks generally does not exceed 3%.

The fixed interest rate of ICBC for one to three years depends on whether you are a large deposit or a general lump sum deposit and withdrawal interest, and you can discuss it with the lobby manager.

What is the fixed interest of the Rural Commercial Bank for one to three years? The interest for one year is 2.11 million yuan, and the interest for two years is 10,000 yuan for 523 years is um,,975.

The fixed interest of rural commercial banks for one to three years is between 10 percent and 0.5 percent.

What is the fixed interest of the Rural Commercial Bank for one to three years? I think the current year should be before and after three years, should be at 2:00?

The interest is calculated by multiplying the principal of the deposit by the interest rate multiplied by the term of the deposit, and the interest on a one-year fixed deposit of 50,000 yuan in the Agricultural Bank of China is calculated as follows:

The interest rate of regular lump sum deposit and withdrawal is 50,000 yuan for a year of 50,000 yuan.

The interest rate of fixed deposit and lump sum withdrawal, lump sum deposit and principal deposit and interest is 50,000 yuan for one year of 50,000 yuan.

Extended Information: Formula for Calculating Interest on Time Deposits.

Interest = Principal Annual Interest Rate.

Deposit period. In the case of fixed deposits, the number of deposit days is calculated from the beginning to the end, that is, from the date of deposit to the day before withdrawal, which is the deposit period. In addition, regardless of leap year or ordinary year, regardless of whether the month is large or small, the whole year is calculated as 360 days, and each month is calculated as 30 days.

Time deposits are also known as "certificates of deposit."

The bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

Cash and current savings deposits can be directly applied for time savings deposits, and if the minimum deposit amount is 50 yuan, there is no limit to more deposits. The deposit period is 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. You can withdraw part of the deposit in advance once, and when the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it multiple times according to the original deposit period.

The maturity of the time savings deposit shall be based on the deposit interest rate on the date of opening the certificate of deposit.

Interest is calculated and paid, and interest is calculated according to the current savings deposit interest rate on the date of withdrawal for early withdrawal, and interest is calculated according to the interest rate of the current deposit on the day of withdrawal for overdue withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

For unexpired fixed savings deposits, depositors who withdraw them in advance must present the certificate of deposit and the identity certificate of the depositor. If the withdrawal is made on behalf of the depositor, the withdrawer must also hold his identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the withdrawal date, and the withdrawer shall also sign the name of the withdrawer on the payment voucher.

For unexpired fixed savings deposits, depositors can withdraw part of them in advance as needed, and the verification procedures remain unchanged, and the interest rate for early withdrawal shall be settled according to the current savings deposit interest rate announced on the withdrawal date, and the retained part shall be settled and paid at the maturity of the original deposit date and the original interest rate. Partial early withdrawal can only be carried out once for each certificate of deposit, and if a partial early withdrawal has been handled, the savings institution shall pay the deposit deferred order.

and the newly opened deposit slips of the retained part are marked with the words "partial early withdrawal".

The interest on the five-year fixed deposit of the Agricultural Bank of China shall be calculated according to the interest rate of the five-year fixed deposit and the principal of the deposit, and the calculation formula is: interest = principal * interest rate * deposit period.

1.Lump sum deposit: The annual interest rate for five years is, and the interest on a five-year deposit of 10,000 yuan is 10,000 yuan.

2.Lump sum deposit, lump sum deposit, principal and interest: The annual interest rate for five years is 10,000 yuan for a deposit of 10,000 yuan.