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Anonymous users2024-02-07SLR = Deposit Balance Loan
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Anonymous users2024-02-06Savings is a kind of monetary credit behavior in which an individual deposits the surplus or temporarily unused currency, that is, money, in a bank, or into a post office that can handle storage business according to regulations. Deposits in banks and credit cooperatives are called bank savings, and deposits in post offices are called postal savings. Savings are basically divided into two forms: regular savings and current savings.
Regular savings is a kind of savings that depositors agree on when depositing and paying at maturity, which is suitable for the storage of living balances and bulk funds, and adapts to the needs of people who have planned access for certain purposes, and is characterized by large amounts, long deposit periods, high interest rates, and relatively stable deposits. There are forms of regular savings, such as lump sum deposits, lump sum deposits, lump sum deposits, and overseas Chinese savings. Current savings is a kind of savings that does not stipulate the deposit period and can be accessed and withdrawn by depositors at any time, which is characterized by being depositable at any time, available at any time, the amount of storage and the number of times of access and withdrawal are not limited, and the deposit and withdrawal procedures are simple and flexible.
Saving is a cause that benefits the country and the people. Development savings can concentrate the currency that is scattered in people's hands and is not used for the time being and use it for various construction undertakings of the country, which also plays an important role in stabilizing the economy and regulating currency circulation. For individuals, participating in savings can not only earn interest, but also help people organize their lives well and cultivate a culture of thrift and thrift.
China implements a policy of encouraging and protecting savings, and adheres to the principles of voluntary deposits, free withdrawals, interest-bearing deposits, and confidentiality for depositors.
The advantage of saving is that the bank will help you keep your money, and it will be safer. And the bank will give you a subsidy, which is interest. The principal is the money you deposit, the interest is the money that the bank pays you more, and the interest rate is the standard for calculating interest.
The formula for calculating interest is: principal multiplied by interest rate multiplied by time. The state stipulates that the interest on deposits should be taxed at a rate of 20 (you will definitely earn anyway), and there is a special kind of savings called national tax, so you do not have to pay interest tax.
Savings are divided into current periods, whole periods, whole parts, fixed books, education, fixed lives, notices, deposits, whole zeros, national bonds, and others.
Interest rate Monthly interest rate ( ) Annual interest rate (%)
Regular deposit and withdrawal.
Three months and a half year 1
One year and two years. Three years, five years 3
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Anonymous users2024-02-05The financial conversion mechanism refers to the mechanism that uses the trading of financial instruments and the lending relationship as a means to promote the conversion of savings into investment.
The financial transformation mechanism is the leading mechanism for the transformation of savings and investment under the conditions of market economy, and the advantages of this mechanism are:
The increase in the overall level of savings and investment is conducive to the full mobilization of savings resources, thereby increasing the overall scale of capital formation.
It is conducive to increasing the return on investment and optimizing the allocation of savings. Financial transformation has accelerated the speed of capital formation, enabling small savers to pool their small savings and concentrate on investing in projects with large capital scales, thus greatly accelerating the speed of capital formation. It is conducive to diversifying investment risks.
It is conducive to the further development of the social division of labor and the coordination of the social economy.
1. Export setbacks; Under the situation of the rapid spread of the international financial crisis, the scale of foreign affairs has shrunk, and the low consumption rate of exports and imports has caused the savings rate to be too high, which in turn has prompted the high savings rate to transform into a high investment rate, resulting in China's economy.
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