What is the general interest rate on bank deposits?

Bank Deposit Interest = Principal Interest Rate Term.

For example, an investor deposits 100,000 yuan in the bank with a term of 3 years, interest rate, maturity deposit interest rate = 10 3 = 10,500 yuan. It should be noted that some fixed deposits and large deposits will be withdrawn before maturity, and the interest will be calculated according to the listed interest rate of the current deposit of the bank on the date of withdrawal, which will cause a loss of part of the interest income.

If the user withdraws the deposit in advance after two years, the bank will calculate the interest according to the deposit interest rate, and the user can only get interest = 100,000 = 600 yuan. Compared with withdrawals at maturity, users will lose more than 9,000 interest income.

Therefore, when there is no need for urgent money, users should try to hold it to maturity. At the same time, if the user signs an extension when making a fixed deposit, another fixed deposit will be deposited according to the original term after maturity.

In general, bank demand deposits.

The interest rate is for a three-month fixed deposit.

The interest rate of one-year fixed deposit is about 2, and the interest rate of three-year and five-year deposit is above, but the interest regulations of different banks will be different depending on the depository bank.

And sure. For example: 1. Bank of China: interest on demand deposits, three-month interest on fixed deposits, six-month interest, one-year interest, two-year interest, three-year interest, five-year interest.

2. Industrial and Commercial Bank of China: interest on demand deposits, three-month interest, six-month interest on fixed deposits, one-year interest, two-year interest, three-year interest, five-year interest. 3. China Construction Bank:

Interest on demand deposits, 3 months of interest on fixed deposits, 6 months of interest, 1 year interest, 2 years of interest, 3 years of interest, 5 years of interest. 4. Bank of Communications.

Interest on demand deposits, 3 months of interest on fixed deposits, 6 months of interest, 1 year interest, 2 years of interest, 3 years of interest, 5 years of interest.

Extended Resources:

1. The so-called interest rate is the "interest rate."

The abbreviation refers to the ratio of the interest amount to the principal of the deposit or loan over a certain period of time. It is usually divided into annual interest rates.

There are three types of interest rates: monthly interest rate and daily interest rate. The annual interest rate, in the simplest terms, is the interest rate on a deposit for one year.

If the general wealth management or loan platform has an annual interest rate, it is expressed in the form of a few percent. The monthly interest rate, the interest rate calculated according to a monthly cycle, the monthly interest rate is generally expressed in thousandths, if a platform displays 5, it must be the monthly interest rate. The daily interest rate, as the name suggests, is the interest calculated according to the daily interest calculation cycle, which is generally expressed in a few ten-thousandths.

2. Interest rate conversion formula:

Annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days); Interest calculation is divided into the accumulation method and the case-by-case interest method

1) Accumulation of interest method: The daily accumulated account balance is calculated by multiplying the accumulated accumulation by the daily interest rate.

The calculation formula is: interest = cumulative interest-bearing accumulation daily interest rate, where the cumulative interest-bearing accumulation is equal to the total daily balance during the interest-bearing period.

2) The interest calculation method is calculated on a case-by-case basis according to the predetermined interest-bearing formula, which is divided into interest calculation according to year, month and day and interest calculation according to the actual number of days.

Interest is calculated on a year-to-month-to-day basis.

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

Interest = Principal Year (month) number Year (month) interest rate.

If the interest-bearing period has a whole year (month) and a fractional number of days, the interest-bearing formula is:

Interest = Principal Year (month) number Year (month) interest rate + principal Fractional days Daily interest rate.

Interest is calculated based on the actual number of days.

That is, 365 days per year (366 days in leap years), and then each month is the actual number of days in the Gregorian calendar for that month.

The formula for calculating interest is:

Interest = Principal Actual Days Daily Interest Rate.

Hello! You can check the RMB deposit interest rate through the following channels of ABC:

3.Portal**: If you need to inquire about the RMB deposit interest rate, you can open the official website of the Agricultural Bank of China and click [**Application and Rate Rate Information Deposit Interest Rate RMB Deposit Interest Rate] to understand.

Tips: Please refer to the system display at the time of actual processing for the specific interest rate. If you want to pay the interest rate for corporate accounts, it is recommended that you consult the branch of your bank. For more consultation and services, you can pay attention to our bank's "Agricultural Bank of China Cloud Customer Service" WeChat*** for consultation and processing.

The interest rate of each bank is different, and the interest generated is also different, assuming that 10,000 yuan is deposited in the bank for one year, take the deposit interest rate of the People's Bank of China as an example.

Current deposits: The benchmark interest rate of demand deposits of the People's Bank of China is. Then the interest of 10,000 yuan deposited in the bank for one year is 10,000 * yuan.

Time Deposit: Lump sum deposit and withdrawal. The benchmark interest rate for one year is, then the interest of 10,000 yuan deposited in the bank for one year is 10,000 * yuan.

In addition, there are also fractional deposits, lump sum deposits, and deposits and interest in this hall. The benchmark interest rate for one year is, then the interest of 10,000 yuan deposited in the bank for one year is 10,000 * yuan.

Calculation of interest rates:

If it is a current account and the annual interest rate is, then the interest for one day is 10,000 * yuan. If it is fixed, the annual interest rate is, then the interest for one day is 10,000*. As a basic calculation method for calculating bank deposit interest, loan interest, etc., the interest calculation formula has played a significant role in the daily settlement of banks and the daily life of ordinary people, and its role will become more and more significant.

The interest rate of savings deposits is uniformly stipulated by the state and announced by the People's Bank of China. The interest rate, also known as the interest rate, is the ratio of interest to principal within a certain date, which is generally divided into three types: annual interest rate, monthly interest rate, and daily interest rate.

The annual interest rate is expressed as a percentage, the monthly interest rate is expressed in thousandths, and the daily interest rate is expressed in thousandths. For example, the annual interest rate of 9% is written as 9%, that is, the interest rate of every 1,000 yuan deposit is 90 yuan, and the monthly interest rate of 6% is written as 6, that is, the monthly interest rate of 1,000 yuan deposit is 6 yuan, and the daily interest rate of 1 percent and 5 cents is written as, that is, the daily interest rate of 1 jiao 5 cents per 1,000 yuan deposit, and the monthly interest rate of China's savings deposits is listed. <>

If the bank's loan interest rate is about 6%, it is calculated at an annual interest rate of 6%, 50,000 x 6% = 3,000 yuan, and the interest payable for a year is about 3,000 yuan.

At present, there are many types of bank deposits, mainly including demand, time, large-value certificates of deposit, structured deposits, smart deposits, etc.

1. Demand deposit - the benchmark interest rate.

The current benchmark interest rate of the demand deposit is only, and some banks have even lowered the current demand deposit interest rate.

Therefore, the income of 50,000 yuan for one year = 50,000 * yuan.

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2. Time deposit - the interest rate is better than the current interest rate.

Fixed deposit is to keep money in the bank for a certain period of time, and after maturity, you can withdraw it to obtain a certain income. At present, there are many fixed deposit tenors, which are 3 months, 6 months, 1 year, 3 years, and so on. The interest rate is different depending on the term.

Currently, the three-month deposit rate is; The six-month deposit rate is; The one-year deposit interest rate is; The two-year deposit interest rate is; The three-year deposit interest rate is.

Based on this calculation, 50,000 yuan is deposited for a fixed period of one year, and the interest = 50,000 * yuan.

3. Innovative bank deposits - the interest rate is better than that of time and demand.

The bank's innovative deposits have a fixed term, but they can be withdrawn at any time, and they can also enjoy a fixed term deposit interest rate. The essence of a bank's innovative deposit product is deposits. The deposit is protected by the national deposit system, and 100% compensation can be achieved within 500,000 yuan.

The return on the bank's innovative deposits is around 4%.

Based on the annualized income of 4% as the interest rate, if 50,000 yuan buys the bank's innovative deposit products, the interest for one year = 50,000 * 4% * 1 = 2,000 yuan.

Interest calculation formula: interest = principal interest rate deposit period. There are 12 months in a year, in different months the bank to give the deposit interest rate is also different, in general, the bank deposit interest rate and the shortage of bank funds has a lot to do with the shortage of funds, the tighter the funds to give the higher the interest rate, on the contrary, the interest rate given when the funds are loose will be lower.

It can be seen that under the condition of 500,000 yuan a year, the principal and deposit period have been fixed, and the variable is mainly the interest rate, and the interest rate is different for different financial products, so we get different interest.

1. The annualized interest rate is the annual interest rate. That is, if you save 10,000 yuan for one year, you will withdraw the principal of 10,000 yuan plus interest of 10,000 * yuan after one year, a total of 10,720 yuan.

2. Annualized interest can also be understood in this way. 12 months a year. The total amount of interest for these 12 months, i.e. monthly interest, is this. That is, 100 yuan interest yuan.

3. If you deposit 10,000 yuan, the annualized interest will be 10,000 * (yuan, that is, the annual interest is 12 * 60 = 720 yuan.

4. Conversion formula of annual interest rate, monthly interest rate and daily interest rate: monthly interest rate = annual interest rate 12, annual interest rate = monthly interest rate * 12.

5. The annual interest rate is expressed in a few percent (%) of the principal, and the monthly interest rate is expressed in a few thousandths ( ), for example, the annual interest rate is, which is converted into a monthly interest rate.

Further information: Loan interest refers to the remuneration that the lender receives from the borrower for issuing monetary funds, and it is also the price that the borrower must pay for the use of the funds. The interest rate of the bank transfer loan refers to the ratio of the interest amount to the principal amount during the loan period.

The interest rate of a loan contract with a bank or other financial institution as the lender is determined, and the parties can only negotiate within the upper and lower limits of the interest rate stipulated by the Bank of China. If the loan interest rate is high, the borrower's repayment amount will increase after the loan term, and vice versa, it will decrease. There are three main factors that determine the interest rate on a loan:

Loan amount, loan term, loan interest rate.

Calculation: 1) The interest rate conversion formula for RMB business is (Note: common for deposits and loans).

1.Daily interest rate (0 000) = annual interest rate (%)360 = monthly interest rate ( )30

2.Monthly interest rate ( ) Annual interest rate (%)12

2) Banks may calculate interest by using the accumulation method and the case-by-case interest calculation method.

1.The accumulation method is based on the actual number of days to accumulate the account balance on a daily basis, and the interest is calculated by multiplying the accumulated accumulation by the daily interest rate. The formula for calculating interest is:

Interest = Cumulative Interest-bearing Accumulation Daily interest rate, where Cumulative Interest-bearing Accumulation = Total Daily Balance.

2.The interest-based method calculates interest on a case-by-case basis according to the predetermined interest-bearing formula Interest = Principal Interest Rate The interest is calculated on a case-by-case basis over the term of the loan, and there are three specific points:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

Interest = Principal Year (month) number Year (month) interest rate.

If the interest-bearing period has a whole year (month) and a fractional number of days, the interest-bearing formula is:

Interest = Principal Year (month) number Year (month) interest rate + principal Fractional days Daily interest rate.

At the same time, the bank can choose to convert the interest-bearing period into the actual number of days to calculate the interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the month, and the interest calculation formula is:

Interest = Principal Actual Days Daily Interest Rate.

The three formulas are essentially the same, but since the interest rate conversion is only 360 days in a year, the actual daily interest rate is calculated as 365 days in a year, and the results will be slightly biased. Specifically, the central bank gives financial institutions the right to make their own choices. Therefore, the parties and the financial institution can agree in the contract.