Agricultural Bank of China or Bank of China deposit which has the highest interest rate

There is no difference in the deposit rate between the two banks, it is the same.

It's the same, because it's the People's Bank of China that sets the deposit rate.

It's all the same, and the interest is uniformly regulated by the People's Bank of China.

If you want a higher interest rate, you can go to the bank to consult wealth management products. It was more than 5% that year.

It is recommended that you go to the Bank of China to buy short-term **, the profit is quite high.

In general, ABC Yinliduo is a deposit product, not a wealth management product. Deposit products are principal and income guaranteed, while wealth management products mostly have certain risks, and the returns are not fixed. In addition, the Agricultural Bank of China.

Yinlido is insured by bank deposits.

Guaranteed by the system.

Agricultural Bank of China, the predecessor of which can be traced back to the Agricultural Cooperative Bank established in 1951, was the first professional bank established during the New China period and the founding of the People's Republic of China.

The first state-owned commercial bank.

In February 1979, the Agricultural Bank of China was re-established with its headquarters in Beijing.

On February 23, 1979, the Circular on the Restoration of the Agricultural Bank of China was issued.

On June 1, 1984, the Agricultural Bank of China introduced the first World Bank loan.

On June 24, 1985, the Agricultural Bank of China unified its bank name for the first time.

On June 25, 1985, it was decided to establish the Party Committee of the Agricultural Bank of China.

Agricultural Development Bank of China, 1994.

Divided into. In 1996, the Rural Credit Cooperatives and the Agricultural Bank of China broke away from their administrative subordination, and the Agricultural Bank of China began to transform into a wholly state-owned commercial bank.

In 1997, the pace of divestiture of ABC's policy business accelerated.

In 1999, the Agricultural Bank of China, the Industrial Bank of China, and the Construction Bank of China divested trillions of yuan in non-performing assets.

to the Big Four asset managers.

In 2004, ABC submitted its share reform plan for the first time.

In 2004, the Agricultural Bank of China actively supported public welfare undertakings and organized the majority of employees to carry out the donation activity of "Agricultural Bank of China 10,000 Mu Staff Forest Demonstration Project" for the Dingxi area of Gansu Province.

Greening of barren mountains, donating a total of 10,000 yuan to contribute to the "rebuilding of beautiful mountains and rivers in the west"; According to incomplete statistics, in order to help the people in the disaster area rebuild their homes, Xiang suffered from the Indian Ocean tsunami.

of Southeast Asian countries donated 10,000 yuan; donated more than 100,000 yuan to the China Poverty Alleviation Association; Spend 1 million yuan to the designated poverty alleviation counties; Persist in donating money to female employees in extreme poverty in the financial system, with donations amounting to 10,000 yuan.

In November 2006, the national data centralization project, which lasted for more than three years, was completed.

In 2006, Agricultural Bank of China ranked 13th in the 2006 Top 500 Chinese Enterprises jointly released by the China Enterprise Confederation and the China Enterprise Association.

Agricultural Bank of China deposit interest rate: current is, lump sum deposit is, three months, half a year, one year, two years, three years, five years; Fractional deposits, lump sum deposits, and principal deposits and interest are withdrawn for one year, three years, and five years.

Further information: Agricultural Bank of China, the predecessor of which can be traced back to the Agricultural Cooperative Bank established in 1951, is the first professional bank established in the New China period.

Since the end of the 70s of last century, the Bank has successively gone through different stages of development, such as national specialized banks, wholly state-owned commercial banks and state-controlled commercial banks.

In 2004, ABC submitted its share reform plan for the first time.

In January 2007, the Third National Financial Work Conference clearly put forward the general principles of the reform of the Agricultural Bank of China of "facing the 'three rurals', the overall restructuring, the business operation, and the listing of the right opportunity", and the Agricultural Bank of China entered a new stage of shareholding reform.

In September 2007, ABC selected eight provinces (autonomous regions and municipalities), including Jilin, Anhui, Fujian, Hunan, Guangxi, Sichuan, Gansu and Chongqing, to carry out a pilot project of financial services for the "three rural areas".

In April 1994, the Agricultural Bank of China transferred most of its policy business to the newly established Agricultural Development Bank of China.

In August 1996, according to the Decision on the Reform of the Rural Financial System, the Agricultural Bank of China no longer led the management of rural credit cooperatives and separated from the administrative subordination of rural credit cooperatives.

In July 1999, the Agricultural Bank of China divested its non-performing assets from the newly established China Great Wall Asset Management Corporation.

On January 23, 2008, ABC clearly put forward the "3510" goal and development strategy.

In March 2008, ABC began to promote the pilot reform of the "Three Rural" Financial Divisions in 11 secondary branches in 6 provinces.

In August 2008, the head office of the Agricultural Bank of China set up the "Three Rural" Financial Division to comprehensively promote the reform of the "Three Rural" Financial Division of the whole bank.

In October 2008, the executive meeting deliberated and approved in principle the overall implementation plan for the shareholding reform of the Agricultural Bank of China, and the shareholding reform of the Agricultural Bank of China entered the stage of substantial advancement.

In November 2008, ** Huijin Investment Co., Ltd. injected capital into the Agricultural Bank of China and became the largest shareholder of the Agricultural Bank of China along with the Ministry of Finance.

On January 15, 2009, Agricultural Bank of China was established.

In April 2010, Agricultural Bank of China launched its IPO.

In July 2010, Agricultural Bank of China's A+H shares were listed in Shanghai and Hong Kong on the 15th and 16th, respectively, achieving the world's largest IPO.

Among the four major banks, the interest rate on demand deposits is the same, and among the four major banks, CCB has the highest interest rate among the four major banks.

According to the current deposit interest rate, the current deposit interest rate of Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China are all current. If it is a one-year lump sum deposit interest rate, then the interest rate of Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China is the same, while the one-year lump sum deposit interest rate of China Construction Bank is.

Further information: Savings banks refer to professional banks whose main business is to absorb personal savings deposits. In the United States, it is called "Mutual Savings Bank" and in the United Kingdom, it is called "Trust Savings Bank".

The savings banks of the capitalist countries absorb the deposits of residents at low interest rates, use them to purchase public bonds and the bonds of capitalist enterprises and corporate bonds, and transfer part of the funds to commercial banks to make profits.

Before the liberation of China, there were no specialized savings banks, and after the liberation, no special savings banks were established, and the savings business for individuals was handled by specialized banks and credit institutions such as the Industrial and Commercial Bank of China, urban credit cooperatives, the Agricultural Bank of China, and rural credit cooperatives.

There are three main differences between savings banks and commercial banks:

1. Most of the depositors of savings banks are residents, and most of the depositors of commercial banks are enterprises.

2. Savings banks withdraw money by passbook, and commercial banks withdraw by check.

3. The term of savings bank loans is long, and the loans of commercial banks are mainly short-term.

1. Residents' savings deposits.

2. Operating income.

3. Issuance**.

4. Borrow money from commercial banks.

Savings banks can borrow funds from commercial banks when their capital turnover is inadequate.

The main use of funds:

1. Long-term loans.

2. Investment**, bonds, etc.

Savings banks can also invest part of their funds in bonds, and in many countries (especially in Western countries), savings banks are important institutional investors.

What is the role of a bank?

1.The bank is an enterprise that operates money, and its existence facilitates the financing and financing of social funds, and it is a very important member of the financial institution;

2.Banks concentrate idle monetary funds in society by absorbing deposits, and then lend them to people who need to replenish money in the form of loans. Here, the bank acts as an intermediary between lenders and borrowers;

3.Banks handle the receipt, payment, and settlement of money for commodity producers and merchants, and it also acts as payment intermediaries. In short, banks play the role of credit intermediaries.

The annual interest rate of the deposit of the Agricultural Bank of China is different for different interest rates, which are as follows: Demand:; Regular: three months, half a year, one year, two years, three years, five years. For example, the annual interest rate of a one-year term is 10,000 yuan, and the interest rate is 175 yuan when you deposit for one year.

The formula for calculating the bank's fixed interest rate.

Repayment per installment Principal per installment Interest per installment.

Principal of each instalment Total loan amount Specified number of years.

Interest per instalment (Total loan amount repaid in the previous year) * Annual interest rate.

Monthly repayment Total loan amount Specified number of years (total loan amount repaid in the previous year) * monthly interest rate.

At present, the ABC's interest rates on one-day call deposits, seven-day call deposits, three-month, six-month, one-year, two-year, three-year, and five-year fixed deposits are all times times the central bank's benchmark interest rate for the same period, reaching the highest.

Agricultural Bank of China is an important part of China's financial system, providing a variety of corporate banking and retail banking products and services, as well as financial market business and asset management business, including investment banking, management, financial leasing, life insurance and other fields.

Further information: Agricultural Bank cards of China are divided into the following types:

If the card has a Chinese pinyin name, this kind of card is a credit card of the Agricultural Bank of China.

If the name is not on the card, it is a debit or credit card.

Agricultural Bank of China is relatively easy to distinguish, after getting the card carefully look at the logo on it.

According to the announcement on the official website of the Credit Card Center of the Agricultural Bank of China, there are at least 51 types of credit cards currently being issued, with different series and themes, including personal credit card products and business cards.

In terms of series, ABC's credit cards are divided into standard series, car owner series, business travel series, women's series, platinum series, young series, official series and other series; In terms of currency, ABC credit cards include RMB single-currency card, US dollar single-currency card, RMB and US dollar dual-currency card, RMB and Euro dual-currency card; From the perspective of card issuers, ABC credit cards include UnionPay cards, Visa cards, MasterCard, UnionPay & Visa cards and UnionPay & MasterCard; From the perspective of credit card level, it is divided into ordinary card, gold card and platinum card.

You can inquire about the RMB deposit interest rate of ABC through the following channels and calculate:

Interest Calculation:

The interest calculation formula of the whole deposit and withdrawal is divided into the following situations:

1.Withdrawals at maturity:

1) If the interest period is the whole year (month): interest principal year (month) number of years (month) interest rate - interest income tax.

2) If the interest-bearing period has a whole year (month) and a fractional number of days: interest, principal, year (month), year, year, month, interest rate, principal, fractional days, daily interest rate-interest income tax.

2.Withdrawal due after rollover: interest = (principal of the previous period + interest due in the previous period - interest income tax) Interest rate of the deposit period - interest income tax.

3.Full Early Withdrawal: Interest = Principal Actual Deposit Period Current Deposit Interest Rate on Withdrawal Date - Interest Income Tax.

4.Partial early withdrawal: interest = principal partially withdrawn Actual deposit period Current deposit interest rate on the date of withdrawal - interest income tax (The amount not withdrawn in advance is still calculated according to the interest rate on the original deposit date or the rollover date.) ）

Agricultural Bank of China, the interest on deposits is: three years, two years, one year.

If you want to know yourself, go directly to the bank and ask, now the interest rate is very low. Of course, the interest rate varies depending on the term.

In 2015, the fixed deposit interest rate of Agricultural Bank of China is as follows:

Whole deposit and whole withdrawal. (1) The annual interest rate for three months is as follows.

2) The annual interest rate for half a year is.

3) The annual interest rate of the whole deposit and withdrawal for one year is.

4) The annual interest rate for two years is.

5) The annual interest rate for three years is.

6) The annual interest rate of the whole deposit and withdrawal for five years is.

Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit and interest.

1) The annual interest rate for one year is the annual interest rate of the whole deposit and withdrawal.

2) The annual interest rate for three years is.

3) The annual interest rate of the lump sum deposit and withdrawal for five years is.

Fix two pennies. 6% discount at the same grade interest rate for regular deposits within one year.

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.

The deposit interest rate of the Agricultural Bank of China is between the interest rate of the fixed deposit of the whole deposit and the whole withdrawal.

Agricultural Bank of China is a large listed bank in China and one of the five largest banks in China. According to the latest deposit interest rate table of the Agricultural Bank of China in 2020, the current deposit interest rate of the Agricultural Bank of China is between % and the interest rate of the fixed deposit of the whole deposit. For demand savings, the interest rate of the demand deposit of the Agricultural Bank of China is only, if 10,000 yuan is deposited as the demand deposit of the Agricultural Bank of China, then the interest income after one year is 30 yuan.

It can be seen that the interest rate of demand deposit is quite low, and it is generally not recommended to deposit as a demand deposit for idle funds;

Lump sum deposit and lump sum time deposit, the interest rate of Lump Sum Deposit and Lump Sum Time Deposit of Agricultural Bank of China is 3 months, months, and every year. If 10,000 yuan is deposited as a lump sum fixed deposit of ABC, the corresponding annual interest income for 1-year, 2-year, 3-year and 5-year terms is 175 yuan, 225 yuan, 275 yuan and 275 yuan respectively.

Agricultural Bank of China was established in 1951. The head office is located at No. 69, Jianguomen Nei Street, Beijing, which is a large state-owned bank managed by the first management and a national vice-ministerial-level unit. Agricultural Bank of China is an important part of China's financial system, providing a variety of corporate banking and retail banking products and services, as well as financial market business and asset management business, including investment banking, management, financial leasing, life insurance and other fields.

In February 2017, Brand Finance released the list of the top 500 global brands in 2017, and Agricultural Bank of China ranked 34th. In July 2018, the British Banker magazine released the 2018 Global Top 1000 Banks, and Agricultural Bank of China ranked 4th. In 2018, it ranked 40th in the Fortune Global 500.

In December 2018, the World Brand Lab released the list of "Top 500 World Brands in 2018", and Agricultural Bank of China ranked 340th.