In which bank you store it in, the interest rate will be higher

Notice of the State Administration of Taxation and the People's Bank of China on Amending the Individual Income Tax Withholding Report Form and Summary Report Form for Interest Income from Savings Deposits to the State Taxation Bureaus of all localities, cities and counties: In accordance with the relevant provisions of the State Administration of Taxation's Implementation Measures for the Annual Examination of General VAT Taxpayers and the Guangxi District State Taxation Bureau's Interim Measures for the Administration of the Identification of General VAT Taxpayers, and in view of the fact that this year is the year for the renewal of tax registration certificates, and the annual verification of tax registration certificates is not conducted, The district bureau decided to conduct a separate 2002 annual examination of the qualifications of general VAT taxpayers (hereinafter referred to as taxpayers and "general taxpayers") in the whole region in the near future. The relevant matters are hereby notified as follows:

1. Scope of annual examinationAll general VAT taxpayers registered before December 31, 2001 must bring a copy of the "Tax Registration Certificate" and the "VAT Special Invoice Purchase Book" and other relevant materials required by the local state taxation authorities to the local competent state taxation authorities for general taxpayer qualification verification in accordance with the prescribed time. If a general taxpayer fails to conduct an annual examination at the tax authorities within the prescribed time, the tax authorities shall impose a fine of less than 1,000 yuan in accordance with Article 12 of the Measures for the Annual Examination of General VAT Taxpayers of the State Administration of Taxation, in addition to notifying them of the annual examination within the prescribed time. 2. The content of the annual review (1) Review the production and operation of general taxpayers in the previous year and the realization of taxable sales; (2) The allocation of accounting personnel and financial accounting; (3) Tax declaration and tax payment into the treasury (whether there are general taxpayers who are taxed as small-scale taxpayers); (4) The use and management of special VAT invoices; (5) The circumstances of the designation after the completion of the provisional designation period; (6) Other content that the competent state organs find necessary for review.

3. The annual examination procedures shall be reviewed item by item according to the Application Form for Verification of General VAT Taxpayers, the copy of the Tax Registration Certificate, the Purchase Book of Special VAT Invoices, the financial statements and other relevant materials that need to be submitted by the general taxpayers. (1) For those who meet the conditions of general taxpayers, that is, all commercial enterprises with annual taxable sales of more than 1.8 million yuan (including 1.8 million) (except for taxpayers and gas stations with import business rights and salt wholesale licenses and engaged in salt wholesale) and commercial enterprises with annual taxable sales of more than 1 million yuan (including 1 million yuan), regardless of whether their financial accounting is sound or not, are general taxpayers and are taxed as general taxpayers.

For enterprises other than commercial enterprises, if the annual sales should be less than 1 million yuan but more than 300,000 yuan, if the financial accounting is sound, they can retain their general taxpayer qualifications. For general taxpayers who meet the standards of this article, those who pass the examination shall be issued with the "General Taxpayer Qualification Certificate" and the general taxpayer annual examination qualification mark shall be affixed to the certificate and the "VAT Special Invoice Purchase Book". 《

The deposit interest rate is the same for all banks, and you can pay attention to the Post Bank, where you may be able to give a small gift.

The deposit interest rate is the same, the People's Bank of China has regulations, pay attention to the wealth management products of each bank, the interest rate will be higher.

Banks with high interest on deposits: Postal Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank.

1. Postal Bank. The highest interest rate is the Postal Savings Bank, only the current account is the same as the other five major banks, and the interest rate from three months to five years is significantly higher than that of the five major banks, especially the three-year term is very obvious.

2. Industrial and Commercial Bank of China. The interest rate of ICBC's demand deposit is six months, and the interest rate of five years and three years is relatively high compared with other banks.

Abc. The interest rate of the Agricultural Bank of China for three months, six months, one year, and two years is the same as that of the Industrial and Commercial Bank of China, but the interest rate of the Agricultural Bank of China for three years and five years is relatively low.

Bank of China. The deposit interest of Bank of China is the same as that of Agricultural Bank of China, whether it is current or fixed, so it can be deposited in either Agricultural Bank of China or Bank of China.

China Construction Bank. The interest rate of CCB's fixed deposits for three months, six months, one year, and two years is higher than that of industry and commerce, agriculture, and Bank of China, but a little lower than that of postal services. And for three and five years, the interest is the lowest, only.

Comparatively speaking, the interest rate of Agricultural Bank, Rural Credit Cooperative, and Postal Bank is slightly higher.

Bank of China, Industrial and Commercial Bank of China, China Construction Bank, the interest rate is slightly lower.

In general, the interest rates on fixed deposits of some village and township banks, rural commercial banks, and local commercial banks are much higher than those of state-owned commercial banks and large joint-stock banks.

Further information: Interest rate, in terms of manifestation, refers to the ratio of the amount of interest to the total amount of borrowed capital over a certain period of time. [2] The interest rate is the level of interest on a unit of currency over a unit of time, indicating the amount of interest.

Economists have been searching for a set of theories that can fully explain the structure and changes in interest rates. Interest rates are usually controlled by the state's ** bank and in the United States by the Federal Reserve. So far, all countries have regarded interest rates as one of the important tools for macroeconomic control.

When the economy overheats and inflation rises, interest rates are raised and credit is tightened. When an overheated economy and inflation are brought under control, interest rates are lowered appropriately. Therefore, interest rates are one of the important fundamental economic factors.

Interest rate is an important financial variable in economics, and almost all financial phenomena and financial assets are more or less related to interest rates.

According to the different storage time and term, the bank with the highest interest rate is not fixed, and it is generally the Postal Savings Bank with the highest interest.

The highest current interest rate per mu is the Bank of Tianjin, and the highest three-month time deposit interest rate is the Postal Savings Bank; The highest interest rate on six-month fixed deposits is the Postal Savings Bank.

The highest one-year fixed deposit interest rate is the Postal Savings Bank; The highest interest rates for two-year fixed deposits are Postal Savings Bank, China Everbright Bank and China Construction Bank, and the interest rates are all the same. The highest interest rate on three-year fixed deposits is the Postal Savings Bank.

At present, there are six large state-owned commercial banks in China, namely Gongxun Fangshang Bank, China Construction Bank, Agricultural Bank of China, Bank of China, Bank of Communications and Postal Savings Bank.

Among them, the interest rate on deposits established by the workers and peasants is relatively low, and it is also the type of bank with the lowest deposit interest rate in the market at present, and the highest interest rate on ordinary deposits of these major banks is only about three years, and the interest rate on large-amount certificates of deposit is only about about that.

Joint-stock banks include China Merchants Bank, Industrial Bank, Minsheng Bank, etc., the current deposit interest rate of these banks is about the same as that of large state-owned banks, and the deposit interest rate of individual outlets will be slightly higher than that of large state-owned banks, but most of them are actually similar to the interest rates of several large state-owned banks, the interest rate of ordinary deposits is about between, and the interest rate of large-amount certificates of deposit is about the same.

Relatively speaking, the deposit interest rate of the Postal Savings Bank is relatively high, and at present, the interest rate of the ordinary deposits of the Postal Savings Bank for three years can be about rotten, and this interest rate is much higher than that of the other five major banks.

Overall, ICBC is high and safe. But not necessarily, the general deposits are basically deposited in the bank, and the interest received by different banks is also different. There may be banks with high interest rates and some banks with low interest rates. Take the big four banks as examples.

1. Current deposit interest rate.

Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China all have demand deposit interest rates.

2. The interest rate of fixed deposit and lump sum withdrawal.

1.Three-month lump sum deposit interest rate: The three-month lump sum deposit interest rate of Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China is the same, while the three-month lump sum deposit interest rate of China Construction Bank is.

2.Six-month lump sum deposit interest rate: The six-month lump sum deposit interest rate of Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China is the same, while the six-month lump sum deposit interest rate of China Construction Bank is.

3.One-year lump sum deposit interest rate: The one-year lump sum deposit 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.

4.Two-year lump sum deposit interest rate: The two-year lump sum deposit interest rate of Industrial and Commercial Bank of China, Agricultural Bank of China and Bank of China is the interest rate of two-year lump sum deposit and lump sum deposit of China Construction Bank.

5.Three-year lump sum deposit interest rate: The three-year lump sum deposit interest rate of ICBC is, the three-year lump sum deposit interest rate of Agricultural Bank of China and Bank of China is the same, and the three-year lump sum deposit interest rate of China Construction Bank is.

6.Five-year lump sum deposit interest rate: The five-year lump sum deposit interest rate of ICBC is, the five-year lump sum deposit interest rate of Agricultural Bank of China and Bank of China is the same, and the five-year lump sum deposit interest rate of China Construction Bank is.

Among the four major banks, the interest rate on demand deposits is the same, while in the interest rate of lump sum deposits and withdrawals, China Construction Bank is the middle of the four major banks.

1. Bank of China, the three-month deposit interest rate is, six months, one year, two years, three years and five years.

2. Agricultural Bank of China, the interest rate of three-month deposit is six months, one year, two years, three years and five years.

3. For Chinese corporate banks, the deposit interest rate is 3 months, 6 months, 1 year, 2 years, 3 years and 5 years.

4. China Construction Bank, the three-month deposit interest rate is, six months, one year, two years, three years and five years.

5. For Bank of Communications, the interest rate of three-month deposit and rent is six months, one year, two years, three years and five years.

6. Postal Savings Bank of China, the three-month deposit interest rate is, six months, one year, two years, three years and five years.

How to deposit the highest interest rate, this is a very good question, although China's residents' debts are increasing, but our country is still a high savings country, it should be said that basically everyone is concerned about this problem, how to deposit in the bank to get the highest returns.

There are two major characteristics of bank deposit interest rates: 1. Under the same conditions, the higher the deposit interest rate of commercial banks that are smaller and more difficult to absorb deposits; 2. Under the same conditions, the longer the deposit term, the higher the deposit interest rate.

The interest rate on bank deposits is relative, not absolute. For example, the interest rate of a three-year term is always higher than the interest rate of a one-year term, and the higher the interest rate, the higher the interest rate will be under a certain principal.

However, there are more than 4,000 banks, including state-owned banks, joint-stock banks, urban banks, rural commercial banks, credit cooperatives, village and township banks, private banks, and foreign-funded banks. According to the type of bank, private banks now have the highest interest rate on smart deposits.

At the beginning of 2019, there was a private bank's 5-year smart deposit interest rate up to the highest, which was the highest deposit interest rate I have ever seen, China's currency depreciation is about 6% 8%, basically able to outperform currency depreciation, and the risk is extremely low, zero risk within 500,000, the only drawback is that you need to invest for 5 years, at that time because the term was too long I did not invest, now it seems to be very regretful, because now there is no such a high deposit product.

Now the interest rate on bank deposits is falling

3 RRR cuts. On March 13, the central bank issued an announcement: In order to support the development of the real economy and reduce the actual cost of social financing, the People's Bank of China decided to implement a targeted RRR reduction for inclusive finance on March 16, 2020, and to 1 percentage point for banks that meet the assessment standards. In addition, an additional 1 percentage point RRR will be cut for eligible joint-stock commercial banks to support the issuance of loans in the field of inclusive finance.

The above targeted RRR cuts released a total of 550 billion yuan of long-term funds.

On January 1, the central bank issued an announcement: In order to support the development of the real economy and reduce the actual cost of social financing, the People's Bank of China decided to reduce the deposit reserve ratio of financial institutions by one percentage point (excluding finance companies, financial leasing companies and auto finance companies) on January 6, 2020. 800 billion yuan of funds were released, and the RRR was cut across the board.

From 2020 to the present, the central bank has cut the RRR three times, one of which is a comprehensive RRR cut, and two targeted RRR cuts, the comprehensive RRR cut is mainly because of the low downward pressure on the economy, and the two targeted RRR cuts are due to the domestic epidemic, in fact, the three RRR cuts are all to support the development of the domestic real economy.

2 rate cuts. On February 20 and April 20, the one-year LPR rate fell by 10 basis points, and the five-year mortgage reference rate fell by 5 basis points each.

Therefore, the smart deposit interest rate of private banks has dropped a lot compared with the peak, but there are still more than 5% annualized products, which are still banks with relatively high deposit interest rates, you can consider investing, if you are worried about risks, protect the maturity principal and interest of 500,000, remember that the maturity principal and interest is not higher than 500,000, not the investment principal of 500,000.

Which bank deposits have higher interest rates? If you don't know this, you can lose a lot of interest, I hope it can help you.

Interest rates are uniform across the country, but some non-state-owned banks will carry out some activities to raise interest rates in disguise, which is also relatively safe.