Is there any interest on corporate account deposits in banks?

There is interest, but the interest on the company's bank deposit may be subject to corporate income tax.

In addition to the special account opt-in non-interest-bearing signs, such as internal accounts, normal accounts have interest, which is also settled quarterly.

Yes, you can also do financial management.

There is interest for putting money in a bank card.

Bank deposits are divided into demand deposits and time deposits, and the money deposited into the bank card, if there is no time deposit business, then the interest will be calculated according to the current deposit interest rate. But if you deposit money into a credit card, then there is no interest. If it is a demand deposit, calculated according to the interest rate, if the customer deposits 10,000 yuan and withdraws it after one year, then the interest is:

10,000*. If it is a fixed deposit, calculated according to the interest rate, then the interest is: 10,000 * yuan.

Further information: 1. Definition: Interest is the royalty of money for a certain period of time, which refers to the remuneration received by the holder of money (creditor) from the borrower (debtor) for lending money or monetary 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 surplus value, which is part of the profit.

Every enterprise has to borrow money from the bank in the process of production and operation, and how to record the interest on the loan. Under the requirements of the new accounting standards, short-term borrowings are used as an example to record the interest on loans.

2. For example, if an enterprise borrows 1 million yuan from ICBC, the time is three months, and the interest rate is 9%, how to deal with it.

When a loan is obtained, it can be credited to the bank deposit account for the amount of 1 million, and at the same time, the credit to the short-term loan account is 1 million.

When interest is accrued, interest can be accrued or not, and there are two aspects to the direct payment when due.

1. If the interest is not accrued, it can be included in the debit side of the short-term loan when it is paid directly after maturity, the amount is 1 million, the amount is 10,000 yuan in the debit side of the financial expense account, and the amount is 10,000 yuan in the credit account of bank deposits.

2. If you want to accrue interest on a monthly basis, the amount of interest withheld in the first month can be included in the debit of the financial expense account, the amount is 10,000, and the amount is 10,000 when the interest payable or the credit of the withholding expense account is 10,000, taking the first month as an example, several consecutive accounting entries are the same, when the loan interest is to be repaid when due, it can be included in the debit of the short-term loan account, the amount is 1 million, and the amount is 10,000, and the amount is 10,000. At the same time, the credit is credited to the bank deposit account, and the amount is 10,000.

1. The qualifications for opening an account are different.

A corporate account is a deposit account that anyone can open.

Personal accounts, on the other hand, are accounts that only individuals and non-profit corporations can open savings accounts.

2. Interest rates are different.

To encourage savings, corporate accounts generally have better interest rates than personal accounts.

3. The advantages are different.

Corporate account customers can deposit and withdraw RMB cash at bank branches and self-service devices nationwide with their bank cards, and can deposit and withdraw cash at bank outlets in the same city with a passbook with a reserved password. The same city can also handle the renewal business of cardless (passbook).

The personal account has flexible customer funds: customers can use and withdraw at any time, and the funds are highly liquid. The current deposit account can be set up as a payment account, and the bank will automatically pay various daily expenses.

4. The scope of inclusion is different.

A corporate account is a demand deposit in personal savings only.

The personal account refers to all the current accounts in the bank liabilities, including deposits in corporate settlement accounts and savings current deposits in private accounts, and corporate settlement accounts include basic settlement accounts, general settlement accounts, temporary settlement accounts and special accounts executed according to current interest rates for administration, enterprises, public institutions, individual industrial and commercial households, etc.

Encyclopedia - Company account.

Encyclopedia - Personal account.

1.The People's Republic of China was founded.

Later, with the development of the economy, the deposits of enterprises in the bank have been increasing, and they have gradually become one of the main credit funds of the bank. On March 12, 1950, the Fujian Provincial Committee of the Communist Party of China promulgated the "Regulations on the Cash Management of Organs, Troops and Public Enterprises". On April 7 of the same year, the Government Council promulgated the Decision on the Implementation of Cash Management of State Organs.

In accordance with the above-mentioned regulations, banks conduct corporate deposit business while carrying out cash management.

2.Where state-owned.

Local state-owned enterprises (including enterprises affiliated with industrial and mining, **, transportation and government agencies, etc.), as well as cooperatives at or above the county level that have their own production or economic activities, must be registered with the local People's Bank of China.

Create an account. All transactions between units shall not be exchanged in cash without permission, nor shall there be commercial credit between each other, and must be settled through bank accounts.

Extended Material: Laws on Corporate Deposits

In August of this year, the Provincial People's Bank of China ** "People's Bank of China Unit Time Deposit.

Interim Measures", which stipulates that all enterprises owned by the whole people and collectively owned.

Enterprises and institutions, including those under the logistics departments of the troops, may, in accordance with the relevant regulations, make fixed deposits in their local banks for short-term unused funds and deposits with local financial surpluses that are retained by the units.

2.Tentatively, two types of two-year and three-year lump sum fixed deposits are available, with a minimum deposit of RMB 10,000 and no limit on additional deposits. The principal is deposited at one time, and the bank issues a certificate of deposit, and the principal and interest are withdrawn at maturity.

Fixed deposits adhere to the principle of voluntary, but due to the high interest rate of deposits, they cannot be withdrawn in advance until the original deposit period. After the maturity of the fixed deposit, you can go through the rollover procedures.

3.If the rollover procedures are not completed after maturity, and the interest on the expired part is obtained later, the interest on the expired part of the deposit shall be calculated according to the interest rate of the current deposit of the enterprise unit until the day before the date of withdrawal. After the implementation of this approach, due to the commodity economy.

The development of the province's unit fixed deposits has been increasing.

The money in the deposit account is bank deposits, which belong to the deposits of enterprises and institutions in bank deposits, and the corporate accounts.

Interest = principal * interest rate * deposit period, the deposit interest rates of major banks will be different, taking Bank of China as an example, the details are as follows: Slow Spring.

1. Demand deposit.

The annual interest rate is 1,200 yuan for a deposit of 400,000 yuan for one year.

2. Fixed deposits.

The one-year annual interest rate of the whole deposit and withdrawal is 400,000 yuan, and the interest of the deposit of 400,000 yuan for one year is 400,000*. The annual interest rate for one year is 400,000 yuan for a deposit of 400,000 yuan.

3. Certificates of deposit in large amounts.

Bank of China's 2022 one-year annual interest rate for a deposit of 300,000 yuan is 8,720 yuan.

Features that influence business behavior.

Interest as the capital occupation cost of an enterprise has a direct impact on the level of economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of capital occupied, and at the same time compare the costs of various fund-raising methods in the process of fund-raising. If the savings in interest expenses are adopted as a common behavior pattern by enterprises in the whole society, then the efficiency of economic growth will certainly increase.