How much is the interest of 15 million deposited in the bank for a year???

At present, the annual interest rate of China Merchants Bank for 1-year lump sum deposit and withdrawal is 262,500 yuan after 15 million yuan is deposited for one year. Interest = Principal * Annual Interest Rate.

Taking the annual interest rate announced by the Agricultural Bank of China in 2021 as an example, a one-year fixed deposit is 15,000,000 yuan, and the interest can be obtained: 15,000,000 yuan * year = 262,500 yuan.

The amount of 15,000,000 yuan is too huge, you can consider the large deposit of the Agricultural Bank of China, the interest will be a little higher than the time deposit, and the current large amount of more than 800,000 yuan in 2021 is, you can get it by substitution: 15,000,000 yuan * year = 337,500 yuan.

Extended Materials. Certificates of deposit (CD) refers to a kind of large-value deposit certificate issued by banking depository financial institutions to individuals, non-financial enterprises, government agencies, etc. Different from general certificates of deposit, large-denomination certificates of deposit can be transferred before maturity, with a term of not less than 7 days, a high investment threshold, and the amount is an integer.

China's large-denomination certificates of deposit were officially launched on June 15, 2015 and are denominated in RMB. As general deposits, large-denomination certificates of deposit have higher interest rates than time deposits of the same maturity, most of which are 40% higher than the benchmark interest rate, and a small number of banks are 45% higher, while time deposits generally rise up to about 30%.

China's first batch of large-denomination certificates of deposit was issued on June 15, 2015, and the first batch of issuers included nine banks, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Shanghai Pudong Development Bank, China CITIC Bank, China Merchants Bank and Industrial Bank, all of which are core members of the self-discipline mechanism for market interest rate pricing. At present, it has been expanded to many banks.

Taking China Construction Bank as an example, the interest rate of large-denomination certificates of deposit is 40% higher than the benchmark interest rate, and the product tenor is 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, and 3 years, and the interest rates are respectively. From the perspective of the starting amount, the starting amount of large-amount certificates of deposit for individuals is 200,000 yuan, which is increased by 10,000 yuan, and the interest is calculated from the date of purchase; The starting amount of large-value certificates of deposit for enterprises is 10 million yuan, which is increased by 1 million yuan. Among them, because the interest rate of 3-year large-denomination certificates of deposit is higher and can be withdrawn in advance, it has a higher actual income than the three varieties of 1-year, 18-month and 2-year certificates, and it is more cost-effective to choose 3-year when depositing large-denomination certificates of deposit for more than 1 year.

The introduction of large-denomination certificates of deposit is conducive to orderly expanding the scope of market-based pricing of debt products and improving the market-oriented interest rate formation mechanism. It is also conducive to further exercising the independent pricing ability of financial institutions, cultivating the market-oriented pricing concept of retail market participants such as enterprises and individuals, and making useful explorations and accumulating valuable experience for continuing to promote the marketization of deposit interest rates.

At the same time, it is also of positive significance to promote the reduction of social financing costs by gradually replacing high-interest rate debt products such as **cai through standardized and market-oriented large-amount certificates of deposit.

Based on the calculation of a fixed one-year deposit, the interest is 3,000 yuan.

At present, the one-year interest rate of the major banks in China is about, and the one-year interest rate is the current deposit interest rate, and the one-month interest rate is 36,000 12 = 3,000 yuan.

Interest refers to the remuneration that the holder of money (creditor) receives 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 residual value, which is a part of the profit.

According to the current annual interest rate of one-year fixed deposit of the bank, the interest due for a one-year fixed deposit of 10 million yuan is 10 million yuan, but 10 million yuan is a large deposit, and the annual interest rate can rise by about 10%. If you choose a one-year bank time deposit, the monthly interest of 10 million yuan is at least 12,500 yuan. However, if you choose currency**, the monthly income is about 25,000 yuan according to the annualized rate of return of 3% of Yue BaoExtended information interest is a fee for the use of money for 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 monetary funds.

Including interest on deposits, loans, and various bonds. Under capitalism, the ** of profit 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 profits.

The abstract interest point of money other than the principal amount of deposits and loans (different from "principal") refers to the amount of appreciation brought about by the injection of money into the real economy and its return. In general, interest refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. The formula for calculating the symmetrical interest, also known as the child ** and the mother ** (principal), is:

Interest = Deposit period (i.e. time). Interest is the remuneration received by the owner for lending, and it comes from a part of the profit generated by the producer using the fiber resistance to perform its operational functions. It refers to the value-added amount brought by the injection of monetary funds into the real economy.

The calculation formula is: interest = principal interest rate deposit term x 100% bank interest classification according to the nature of the bank's business, divided into bank interest receivable and bank interest payable. Interest receivable refers to the remuneration that the bank receives from the borrower by lending to the borrower; It is the price that the borrower must pay for the use of the funds; 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 depositor's deposits; It is the price that banks have to pay to absorb deposits, and it is also part of the cost of banks. The interest rate is the basis for calculating the amount of interest and is an important lever to mediate economic development. Its level implies the level of income of the lender of the funds and the level of costs of the users of the funds.

At present, the bank's fixed deposit interest rate is only 2 25 per year. 15,000 regular year has 337 5 yuan of interest.

The interest rates of each bank are based on the central bank's benchmark interest rate. Central Bank Deposit Benchmark Interest Rate: Demand Deposit Rate:

0．35％。Lump sum fixed deposit: 1 10 for 3 months, 1 30 for half a year, 1 50 for 1 year, 2 10 for 2 years, and 2 75 for three years.

The decentralization of the central bank's authority over deposit interest rates has determined that other major financial institutions can fluctuate up and down according to this benchmark interest rate. The size of the floating interest rate is set by each financial institution according to its own needs. At the same time, the local government, in order to achieve a certain economic purpose, will also intervene in the interest rate of the bank.

15 million deposit bank interest for one year, interest = principal - annual interest rate * period, 15 million if the annual interest rate is 3%, deposit for one year interest is 15000000 * 3% * 1 = 450,000 yuan.