How is the interest paid on the treasury bond and how much is the interest on the treasury bond

Book-entry interest-bearing treasury bonds that pay interest in installments generally pay interest every six months or a year.

The exchange will generally publish a notice of interest payment a few days before the interest payment date to determine the "debt registration date", investors should pay attention to the debt registration date and interest payment date, because this is the key to determine whether you are entitled to this interest.

The method of interest payment is that the Shenzhen branch of ChinaClear will transfer the interest directly to the investor's capital account through the ** business. A method in which the issuer of a bond pays interest to the holder of the bond during the life of the bond. **Interest payments on bonds in the market can generally be divided into two categories, namely one-time interest payments and installment payments.

These two categories include a number of specific payment methods. Among them, there are three ways to pay interest in a lump sum: (1) interest is calculated with simple interest.

This method, also known as interest with principal, pays the full amount of interest payable at the maturity of the bond. (2) Interest is paid with compound interest. This way is commonly known"Profit rolling"。

At the time of bond issuance, the par amount of the coupon is converted into the present value of the bond issuance, and the principal and interest are repaid at maturity according to the par amount. The difference between the face value of the coupon and the present value at the time of issuance is the interest on the bond calculated at compound interest. Bonds that pay interest in this way are also called non-coupon bonds.

For example, a bond with a face value of 100 yuan, a coupon rate of 12%, and a maturity of five years is issued with a coupon of 56 yuanYou can buy this bond for 74 yuan, and get 100 yuan of principal and interest after maturity. The dollar is the total amount of interest calculated at compound interest over a five-year period of the investment amount.

3) Interest is paid at a discount. In this way, investors buy bonds according to the difference between the par amount and the interest receivable, and recover the principal and interest at maturity according to the par amount, which is similar to non-coupon bonds in form, but there are actually differences. The main differences are:

The interest on a discount bond is calculated on par and on a non-coupon bond, while on a non-coupon bond is on the investment amount. The installment payment method is to pay interest in several installments during the validity period of the bond, and there are three ways: annual interest payment, semi-annual interest payment and quarterly interest payment. Different bond interest payment methods have different impacts on issuers and investors.

The one-time interest payment method has a clear income level, convenient calculation, and simple payment procedures, and can also save the human, material and financial resources of multiple interest payments. However, for the issuer to pay the interest in a lump sum, it must bear the concentrated pressure of repayment of principal and interest on the interest payment date. Instalment payments are beneficial to both issuers and investors.

For issuers, it can reduce the pressure of concentrated repayment of principal and interest, and for investors, it can enhance the liquidity of their interest income, and they can also reinvest each period of interest to obtain reinvestment income. However, instalment payments will also increase the cost of the issuer's interest payments, thereby increasing its financing costs. Therefore, when choosing the bond interest payment method, it is necessary to consider the financing costs and burdens of the issuer, as well as the attractiveness to investors.

Book-entry Treasury bonds calculate interest on a daily basis, and at the same time, the interest is paid off on the interest payment date of each year, which means that even if you hold it on the day before the interest payment date**, you will only hold it for one day and get one day of interest income, instead of 365 days a year. This is because book-entry Treasury bonds are settled at full price in net trades, and the transactions you look at** do not include accrued interest.

At present, the interest rate of the savings treasury bonds issued is 3-year and 5-year, and compared with the bank fixed deposits in the same period, they have a certain interest rate advantage, and the interest rates of the three-year and five-year fixed deposits of state-owned banks are generally lower than 3 percent, and those of small and medium-sized banks are generally lower.

Further information: Treasury bonds, also known as national public bonds, are creditor's rights and debts formed by the state on the basis of its credit and in accordance with the general principles of bonds to raise funds through the issuance of bonds to the society. Treasury bonds are a kind of bonds issued by **** to raise financial funds, issued by **** to investors, promising to pay interest and repay the principal at maturity in a certain period of time, because the issuer of treasury bonds is the state, so it has the highest creditworthiness, is recognized as the safest investment tool.

Treasury bonds are a special form of debt, which has the following characteristics compared with the general creditor's rights and debts:

From the perspective of the subject of legal relations: the creditor of the treasury bond can be a citizen, legal person or other organization at home and abroad, as well as a national or regional ** and an international financial organization, while the debtor can generally only be a state.

From the perspective of the nature of the legal relationship, the occurrence, alteration and extinction of the legal relationship of the national debt more reflect the unilateral will of the state, although compared with other financial legal relations, the legal relationship of the national debt is an equal legal relationship, but compared with the general creditor's rights and debts relationship, it reflects a certain subordinate nature, which is more obvious in the legal relationship between the state and the domestic debt.

From the perspective of the realization of legal relationship, treasury bonds belong to the creditor-debtor relationship with the highest credit rating and the best security.

From the debtor's point of view, treasury bonds are voluntary, compensatory, and flexible.

Treasury bonds are generally divided into electronic treasury bonds and certificate treasury bonds, and the interest settlement methods of the two are different: electronic treasury bonds pay interest once a year; Certificate-type treasury bonds, on the other hand, are a one-time repayment of principal and interest at maturity.

The maturity of government bonds changes from time to time, and the interest rate of government bonds issued in 2020 has not changed: the coupon rate of three-year government bonds is 4%, and the coupon rate of five-year government bonds is.

How much interest is 100,000 treasury bonds a year in 2020?

Calculation method of interest income of treasury bonds: interest income of treasury bonds = principal * interest rate * maturity of treasury bonds; The formula for calculating annual income = principal * interest rate, so how to calculate it exactly? 1. Electronic treasury bonds.

Three-year annual income = principal * interest rate = 100,000 * 4% = 4,000 yuan;

Five-year annual income = principal * interest rate = 100,000 * yuan;

Extended Information: National Debt Government loan, also known as state public debt, is a creditor-debtor relationship formed by the state on the basis of its credit and in accordance with the general principle of debt by raising funds from the society.

Treasury bonds are bonds issued by the state, is a kind of bond issued by the state to raise financial funds, is issued by the company to investors, promises to pay interest in a certain period of time and repay the principal at maturity of the creditor's rights and debt certificates, because the issuer of national bonds is the state, so it has the highest credit, is recognized as the safest investment tool.

China's treasury bonds refer to the national bonds issued by the Ministry of Finance on behalf of the Ministry of Finance, which are guaranteed by the national financial credibility, and have always been known as "gilt bonds", and prudent investors like to invest in treasury bonds.

There are three types of treasury bonds: voucher treasury bonds, bearer (physical) treasury bonds, and book-entry treasury bonds.

Treasury bonds are a special form of debt, which has the following characteristics compared with the general creditor's rights and debts:

From the point of view of the subject of legal relations.

The creditor of the treasury bond can be a citizen, legal person or other organization at home and abroad, as well as a national or regional ** and an international financial organization, while the debtor can generally only be a state.

Judging by the nature of the legal relationship.

Although the legal relationship of national debt is an equal legal relationship compared with other financial legal relations, compared with the general creditor's rights and debts, it reflects a certain subordinate nature, which is more obvious in the legal relationship of domestic debts of the state.

From the point of view of the realization of legal relations.

Treasury bonds are creditor-debtor relationships with the highest credit rating and the best security.

From the debtor's point of view.

Treasury bonds are voluntary, compensatory, and flexible.

From the creditor's point of view.

Treasury bonds have the characteristics of safety, profitability and liquidity.

Summary. Hello, how much is the interest on treasury bonds: generally around 4% per annum, and the three-year interest rate on treasury bonds is generally around 4% per annum, for example, if someone buys a three-year treasury bond of 100,000 yuan, then the annual interest is 4,000 yuan.

This interest rate is much higher than that of bank fixed deposits in the same period, but it is much lower than popular wealth management products, but the investment risk of treasury bonds is very low, its security is very high, and it is guaranteed by national reputation, so it is more suitable for stable investors to make long-term investments.

How much is the interest on the national debt.

Hello, how much is the interest on treasury bonds: generally around 4% per annum, and the three-year interest rate on treasury bonds is generally around 4% per annum, for example, if someone buys a three-year treasury bond of 100,000 yuan, then the annual interest is 4,000 yuan. This interest rate is much higher than that of bank fixed deposits in the same period, but it is much lower than popular wealth management products, but the investment risk of treasury bonds is very low, its security is very high, and it is guaranteed by national reputation, so it is more suitable for stable investors to make long-term investments.

The interest on government bonds can be calculated using the basic formula "interest = principal tenor interest rate". Generally, the maturity of treasury bonds can be divided into three years and five years, and there are two types of savings treasury bonds and book-entry treasury bonds. Here's an example:

At present, the latest 3-year annual interest rate of savings bonds is 4%, and the annual interest rate of 5-year treasury bonds is. If the **10,000 yuan treasury bond has a 3-year term, then the interest should be 10,000 3 4% = 1,200 yuan.

Treasury bonds are divided into three types of certificate treasury bonds, savings treasury bonds and fee-based treasury bonds, among which investors are more involved in Chang Wuqiao and savings treasury bonds (electronic) and certificate treasury bonds, the coupon rate of these two types of treasury bonds is the same, according to the latest treasury bonds issued in October, the coupon rate of 3 years is 4%, and the coupon rate of 5 years is next, Jintou will introduce how to calculate the interest on treasury bonds.

The formula for calculating the interest of treasury bonds is interest = principal life interest rate, such as investors buying 10,000 yuan of 3-year treasury bonds, the interest income at maturity is 10,000 * 4% * 3 = 1,200 yuan.

However, it should be noted that the payment methods for certificate treasury bonds and electronic treasury bonds are different. Proof Treasury bonds pay interest in a lump sum for the maturity period, i.e., investors can earn interest in the last year of the Treasury bonds.

The interest on e-treasury bonds is paid once a year, and investors can withdraw 400 yuan of interest income every year when they buy 10,000 yuan of three-year e-treasury bonds. Investors can use this part of the interest to reinvest and generate re-benefits. Therefore, e-Treasury bonds are theoretically cheaper than proof Treasury bonds.

How to calculate interest on early payment of treasury bonds?

Treasury bonds support early payment, held for more than 6 months, whether it is electronic treasury bonds or certificate treasury bonds, the interest paid in advance is calculated according to the document, but 1% of the handling fee is required

Legal analysis: No, the interest income from treasury bonds is not subject to individual income tax.

Legal basis: Article 4 of the Individual Income Tax Law of the People's Republic of China The following personal income is exempt from individual income tax:

1) Prizes in science, education, technology, culture, health, sports, environmental protection, etc. issued by provincial-level people's ** and *** ministries and commissions, units at or above the army level of the Chinese People's Liberation Army, as well as foreign organizations and international organizations;

2) Interest on treasury bonds and financial bonds issued by the state;

3) Subsidies and allowances issued in accordance with the uniform provisions of the State;

4) Welfare expenses, pensions, and relief funds;

5) Insurance indemnity;

6) Transfer, demobilization and retirement allowances for servicemen;

7) Settling-in allowance, retirement allowance, basic pension or retirement allowance, retirement allowance, and retirement allowance paid to cadres and employees in accordance with the uniform provisions of the state;

8) The income of diplomatic representatives, consuls** and other personnel of embassies and consulates in China who are exempt from tax in accordance with relevant laws and regulations;

9) Income exempted from tax as stipulated in international conventions and agreements signed by China**;

10) Other tax-exempt income as stipulated in ***.

The tax exemption provisions in item 10 of the preceding paragraph shall be reported to the Standing Committee of the National People's Congress for the record.

On October 10, 2022, the electronic treasury bond was issued.

Interest: 3-year term.

The October Treasury bond interest rate will be issued on October 10. Three-year term; Five-year term.

The level of the coupon rate directly affects the financing cost of the issuer and the investment income of investors, which is generally determined by the issuer according to the situation of the bond itself and the analysis of market conditions. The interest payment method of bonds refers to the way in which the issuer pays interest to bondholders in batches during the validity period of the bond, and the interest payment method of the bond also affects the income of investors. 3. Effective interest rate real interest rate refers to the real interest rate at which depositors or investors get interest returns after excluding the inflation rate.

With the further reduction of the deposit interest rate, savings treasury bonds have become a "sweet spot". Yesterday, the issuance of the 7th and 8th tranches of 2022 savings bonds (electronic) began, New Express.

According to the announcement on the official website of the Ministry of Finance, the maturity of the seventh savings treasury bond in 2022 is 3 years, the coupon annual interest rate is, and the issuance amount of the greater loss-resistant is 20 billion yuan; The term of the eighth phase is 5 years, the coupon annual interest rate is, and the larger issuance amount is 20 billion yuan. The issuance period of the two treasury bonds is from October 10 to October 19, 2022, with interest starting on October 10, 2022, payable annually, and paid on October 10 of each year.

With the further reduction of deposit rates, savings bonds have become popular. "There are quite a lot of people who come to buy treasury bonds, and today there is still a quota for three-year bonds on the counter, and there is no more for five-year bonds. "Yesterday, a financial manager of a state-owned bank told the New Express.

The people have always preferred to buy treasury bonds, especially the middle-aged and elderly groups, this year's deposit interest rates continue to fall, long-term interest rates have dropped significantly, and may be further lower in the future, the purchase of long-term treasury bonds can reduce the impact of interest rate declines. Liu Yinping, an analyst at the Rong 360 Digital Technology Research Institute, told the New Express.