What is the annual interest of 400,000 yuan in Postal Savings Bank of China?

According to the calculation of 2% of the regular year, 400,000 * 2% = 8,000 yuan. The specific interest rate depends on the latest announcement of the bank, and the interest rate will be raised or lowered according to the market.

Extended Materials. 1.Banks are financial institutions established in accordance with the law to engage in monetary and credit business, and are the products of the development of the commodity and monetary economy to a certain stage.

A bank is one of the financial institutions, which is divided into ** banks, policy banks, commercial banks, and investment banks.

and the World Bank.

**Bank: That is, the National Bank of China is the ** bank in China.

State-owned policy banks: including the Export-Import Bank of China, the Agricultural Development Bank of China, and the China Development Bank.

State-owned commercial banks: including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Postal Savings Bank of China.

Bank of Communications, etc.

Investment banks: Goldman Sachs, Morgan Stanley.

Citigroup, Wells Fargo, UBS, Société Générale, etc.

World Bank: Institutions have a unique role to play in their mission to reduce poverty and improve living standards to finance countries' efforts to overcome poverty.

2.Commercial bank.

a.World Bank.

The World Bank, commonly known as the World Bank Group, has historically used the name "World Bank" to refer to the International Bank for Reconstruction and Development (IBRD) and the International Development Association (IDA).

Together, these institutions provide low-interest loans, interest-free credits and grants to developing countries. It is an international organization whose original mission was to help rebuild in World War II.

in the destroyed country.

Today, its mission is to finance the nation's efforts to overcome poverty, and institutions play a unique role in their mission to reduce poverty and improve living standards.

b.Citibank U.S. Citibank.

Founded on June 16, 1812, Citibank's retail bank, Citibank (NA), has become the largest bank and branch in the United States in nearly 50 countries and regions after nearly two centuries of development, mergers and acquisitions, and is headquartered in New York City.

399 Park Avenue.

c.HSBC Hong Kong.

The full name of HSBC is The Hongkong and Shanghai Banking Corporation ****.

d.Other.

At present, the interest rate of 1-year large-amount certificates of deposit is generally high, and you can get 8,880 yuan of interest when 400,000 yuan matures.

The interest of the lump sum fixed savings deposit shall be calculated according to the corresponding grade interest rate announced on the date of deposit, and the interest shall be paid off with the principal when it is withdrawn at maturity, and the interest will not be calculated in stages in case of interest rate adjustment during the interest-bearing period. The interest-bearing method is applicable on a case-by-case basis, and the interest-bearing period is the whole year (month): interest principal year (month) number of years (month) interest rate.

The depositor deposits his deposit in the bank on a fixed basis, and in return, the bank pays the depositor the rate of return on the amount of the fixed deposit. 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.

It is a form of savings in which a depositor deposits cash into a fixed savings account opened with a banking institution, agrees in advance to save for a fixed period of time, and receives a return at an interest rate higher than that of the demand deposit, and can receive the principal and interest after the maturity of the deposit.

Compared with bank time deposits and bank demand deposits, the interest rate of large-amount certificates of deposit is much higher and the threshold is also much higher, so what is the interest rate of 200,000 large-amount certificates of deposit of major banks in 2021? Generally speaking, the longer you deposit, the higher the interest rate, you can choose the time to deposit according to your liquidity, the following is a list of interest rates of 200,000 large certificates of deposit of major banks in 2021!

The list of interest rates of 200,000 large certificates of deposit of major banks in 2021 is as follows:

State-owned banks: 1 year; Two-year term:; Three-year term:;

Joint-stock banks: 1 year; Two-year term:; Three-year term:;

City Commercial Bank: 1 year; Two-year term:; Three-year term:;

Rural Commercial Bank: 1 year; Two-year term:; Three-year term:;

The minimum deposit interest rate of 200,000 yuan for large-amount certificates of deposit of the four major banks is as follows:

Industrial and Commercial Bank of China: three months, six months, one year, two years, three years.

Agricultural Bank of China: three months, six months, one year, two years.

Bank of China: 3-month interest rate month year year year year.

China Construction Bank: 1-year interest rate Annual interest rate. Generally speaking, the interest rate of state-owned banks is a little lower than that of other banks, but some small and medium-sized banks will be willing to go out with higher interest rates in order to attract people.

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Postal Savings Bank's official website listed deposit interest rate, demand deposit interest rate: Three-month fixed deposit interest rate:; 6-Month Fixed Deposit Rate:; One-year Term Deposit Rate: 400,000 yuan.

Interest = principal * interest rate * deposit period, the deposit interest rate of major banks will be different, taking Bank of China as an example, the details are as follows:

1. Demand deposit: annual interest rate; The interest on a deposit of 400,000 yuan for one year is 1,200 yuan.

2. Time deposit: one-year annual interest rate for whole deposit and withdrawal; The interest of a deposit of 400,000 yuan for one year is 400,000 * yuan. The annual interest rate for one year is 400,000 yuan for a one-year deposit of 400,000 yuan.

3. Large-amount certificates of deposit: The one-year annual interest rate of the minimum deposit amount of 300,000 large-amount certificates of deposit of Bank of China in 2022 is, and the interest of a one-year deposit of 400,000 yuan is 8,720 yuan.

Further information: Interest is the fee for the use of money over a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or money capital. This includes interest on deposits, loans, and interest on various bonds.

Under capitalism, the source of interest is the surplus value created by wage workers. The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Definition of interest: 1. Money other than the principal obtained from deposits and loans (different from 'principal').

2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

3. Classification of bank interest.

According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.

Interest = principal * interest rate * deposit period, the deposit interest rates of major banks will be different, taking Bank of China as an example, the details are as follows: Slow Spring.

1. Demand deposit.

The annual interest rate is 1,200 yuan for a deposit of 400,000 yuan for one year.

2. Fixed deposits.

The one-year annual interest rate of the whole deposit and withdrawal is 400,000 yuan, and the interest of the deposit of 400,000 yuan for one year is 400,000*. The annual interest rate for one year is 400,000 yuan for a deposit of 400,000 yuan.

3. Certificates of deposit in large amounts.

Bank of China's 2022 one-year annual interest rate for a deposit of 300,000 yuan is 8,720 yuan.

Features that influence business behavior.

Interest as the capital occupation cost of an enterprise has a direct impact on the level of economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of capital occupied, and at the same time compare the costs of various fund-raising methods in the process of fund-raising. If the savings in interest expenses are adopted as a common behavior pattern by enterprises in the whole society, then the efficiency of economic growth will certainly increase.

According to the formula "Interest = Principal * Interest Rate * Number of Interest Periods", get:

Take 400,000 yuan deposited in the bank for 1 year, the annual interest rate is 10%, for example, the interest can be obtained at maturity, that is:

400,000 yuan.

1. Interest (year) = principal annual interest rate (percentage) deposit period.

2. Interest = Principal Interest Rate Time.

3. Deposit interest = principal number of days Listing interest (daily interest rate) = number of interest-bearing days Daily interest rate.

4. Interest tax = deposit interest (income tax payable) Applicable tax rate.

Currently, the central bank's benchmark deposit rate is:

1. Demand deposits;

2. Three-month fixed deposit;

3. Six-month fixed deposit;

4. One-year fixed deposit;

5. Two-year fixed deposit;

6. Three-year fixed deposit.

How to save a fixed deposit is the most cost-effective.

12 Certificate of Deposit Method:

At present, the interest rate of bank demand deposit is only, and the one-year fixed interest rate can be reached, if the office worker raises 50% of the salary every month to make a one-year fixed deposit certificate, it is 12 certificates of deposit in a year. From the second year onwards, a certificate of deposit will mature every month, which can be used to meet urgent needs without losing interest on the deposit.

**, **, **, bank wealth management products, and even commodity investment have gradually become a hot topic of financial management among the public, but some citizens who lack financial knowledge and middle-aged and elderly people with low risk tolerance still regard deposits as the only way to manage their finances. Industry insiders remind that there are many "mysteries" hidden in the seemingly simple financial management method of deposits, and this original financial management method can still get unexpected benefits.

The 12 certificate of deposit method can not only be as flexible as the current account, but also get regular interest, which will save a large amount of money over time, especially suitable for young people who have just started work and middle-aged and elderly people with weak risk tolerance.

Some people deposit thousands of yuan or even tens of thousands of yuan into current accounts just for the convenience of withdrawal, which is certainly not advisable. The current interest rate for demand deposits is 1 year, 3 years and 5 years. If you take 50,000 yuan as an example, after deducting the interest tax, the interest on the deposit obtained in three years is about 3,024 yuan, and the interest obtained in the five-year period is about 5,580 yuan, if the 50,000 yuan is saved as a current account, the interest is only 288 yuan a year, and even if the interest is saved for three years, it is only about 1,000 yuan.

It can be seen that the same is 50,000 yuan, the deposit period is the same but the deposit method is different, and the interest gap between the three-year current and the three-year fixed interest is still not small.

: More than 300,000 yuan can be deposited in the bank order, the interest rate will rise by 50%, and the single will be 400,000 * yuan. If you buy bank wealth management, the income is about 400,000 * yuan If you buy a currency base.

It was a cold winter day, and the wind was biting. Listen carefully by the window, and there is a whistling sound from the window.

When I walked out the door, I gave a big hug to the cold wind. Although I was mentally prepared, the cold wind still caught me by surprise. First of all, I suddenly felt a chill in my earlobe, and then my face also felt cold, like a pinprick in a needle, and my body couldn't help but tremble.

Against the cold wind, with stiff feet, he slowly walked towards the vegetable market.

When I came to the vegetable market, I reduced a little bit of cold. At this time, there was only one grandmother selling vegetables and an aunt buying vegetables left in the vegetable market, and my eyes were focused there.

How much does this dish cost? Auntie pointed to the cabbage and said. Grandma said with a smile

It's not expensive, one yuan a catty. Grandma said as she expertly pulled out a plastic bag. "Then this one!

Auntie said as she picked out a beautiful cabbage. Grandma took out the scale and said, "You have such a good eye!"

Then put the cabbage on the weighing plate. Grandma moves the weighing rod back and forth until the sides are balanced. Grandma put down the bang and said

Five catties and two taels, even if it is five yuan. "Then put the cabbage in a plastic bag. The aunt took out a brand new hundred-dollar bill from her pocket and handed it to the grandmother.

Grandma took the note with her wizened hand and looked up. "It's so big. Grandma smiled.

Then he took a bag out of his pocket. It was a long-aged plastic bag with some change in it, five dollars, ten dollars, and one dollar bills.

Grandma counted the money carefully, and then gave the cabbage and change to the aunt.

The aunt took the money and counted it carefully, while the grandmother counted her booty.

After the aunt counted the money, she looked at the grandmother: the wrinkled face.