How much interest can I get for 80,000 yuan in a rural credit cooperative for 7 days?

The interest rate of demand deposit is a form of interest rate that arises after the demand deposit business is handled. Generally, the interest rate of demand deposits is lower than that of time deposits in the same period, and the interest rate is mainly known from banks. Demand deposits have no fixed term, can be withdrawn at any time, can be withdrawn by the depositor at the discretion of the bank savings method, generally speaking, its interest rate is lower than the same period of time deposits.

In general, the interest rate of demand deposits will not be adjusted with regular adjustments.

Rural Credit Cooperatives:

Rural credit cooperatives are banking financial institutions with deposits as their main liability, loans as their main assets, transfer and settlement as their main intermediary business, and directly participate in the process of creating deposit currency. Rural credit cooperatives are also credit cooperative institutions, and the so-called credit cooperative institutions are cooperative financial institutions composed of individual fund-raising with mutual assistance as the main purpose. They are simply called "credit unions".

They carry out deposit and loan business among members for the purpose of mutual assistance. The establishment of credit cooperatives is directly related to the development of the natural economy and the small commodity economy. Due to the seasonality, dispersion, small quantity, and small scale of the capital needs of agricultural producers and small commodity producers, it is difficult for small producers and peasants to obtain bank loans.

As a result, self-help credit organizations emerged from this system of mutual aid through the payment of shares and deposits.

Rural credit cooperatives are independent enterprise legal persons, which are liable for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Their property, legitimate rights and interests, and business activities carried out in accordance with the law of the state are protected by the laws of the state. Its main task is to raise idle funds in rural areas and to provide financial services for agriculture, farmers and rural economic development.

In accordance with the provisions of national laws and financial policies, organize and regulate rural areas, support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on usury.

Rural credit cooperatives are divided into the following departments: rural credit cooperatives, international financial departments of rural credit cooperatives, Zhengtong rural credit cooperatives training school, rural credit cooperatives credit department, etc., which are departments under the dual leadership of the China Banking Regulatory Commission and relevant departments.

The current call deposit interest rate in RMB and foreign currency.

For: 1-day call deposit rate, 7-day call deposit rate.

$80,000 in 7-day call deposit.

The interest on the middle day is calculated specifically:

Conversion of interest rates, where the annual interest rate.

The conversion relationship between the monthly interest rate and the daily interest rate is:

Annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days);

Monthly interest rate = annual interest rate 12 (month) = daily interest rate 30 (days);

Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days), in addition, the use of interest rate should be consistent with the deposit period;

80,000 yuan.

80,000 yuan, in the 7-day notice of the rural credit cooperative, the interest for 1 day is 3 yuan.

According to the 2020 Rural Credit Cooperative's 7-day notice interest rate, because the 7-day notice interest rate is an annualized rate.

It needs to be converted to 7 days to be the effective interest rate.

Therefore, the formula is: annual interest = principal x interest rate * 7 360, so the 7-day notice interest of 50,000 yuan is = 50,000 * yuan.

Extended Materials. 1. Is it better to be current or regular?

The answer is definitely good on a regular basis. Under the premise of safety, our deposits generally give priority to efficiency, and secondly, we also need a certain amount of liquidity to ensure that we need them from time to time. If it survives, although it can be accessed at any time, and the liquidity is very high, the interest rate is indeed too low, and there is no financial management at all, but it only plays the role of custody by the bank.

In accordance with the relevant regulations, the deposit period can still be withdrawn at any time, and there is no impact on liquidity. On the contrary, if there is no special reason in the middle of the process, it can generally be held to maturity. or withdraw part early, and the remainder can still enjoy the regular interest rate.

2. How to choose the investment period?

It mainly depends on the period of inactivity of your funds, or investment planning. If the investment plan is vague and unclear, of course, a shorter term is more realistic. Due to the unclear investment plan, it will inevitably lead to the possibility of early withdrawal, once there is an early withdrawal, the interest will be calculated according to the current interest rate, and more interest will be lost, and there is a feeling that the gains outweigh the losses.

However, if the investment plan is very clear and the idle period of funds can be basically determined, it is definitely a 3-year period, because the 1-year interest rate is definitely lower than the 3-year interest rate. In general, even if you save three consecutive 1-year years, the total interest is not as much as the interest of a 3-year term.

If the rural credit cooperatives deposit 50,000 yuan and choose the 7-day wealth management deposit method, the interest should be calculated according to the interest rate of the 7-day wealth management stipulated by the bank.

There is no 100 yuan, according to the interest rate of three thousandths of a year, the interest rate for one year is 150, only half a month, and 7 days is almost a dollar.

The annual interest of the rural credit cooperatives is 80,000 yuan: 80,000 * yuan (according to the interest rate of the one-year fixed deposit.

The formula for calculating the bank interest rate

The interest rate is also known as the interest rate.

Indicates the ratio of the amount of interest to the principal over a certain period of time, usually expressed as a percentage, and is called the annual interest rate when calculated on an annual basis.

The formula is: interest rate = interest amount principal time 100%. Interest is calculated as a percentage of the principal interest rate per annum.

Deposit period. Interest rate refers to the ratio of interest to principal in a certain period of time, and is the factor and measure that determines the amount of interest. Interest rate as the first of funds, the factors that determine and affect it are many and complex, and the interest rate level is ultimately determined by the comprehensive impact of various factors.

Interest rates are affected by the average profit level of the industry, the supply and demand of money, and the determinants of economic development, as well as the price level, interest rate control, international economic conditions, and monetary policy.

impact. Real interest rates.

It is adjusted with the expected change of ** level, and the current international common formula for calculating the real interest rate is: real interest rate = (1 + nominal interest rate.

1 + rate of change in prices) -1.

Since interest rate changes have a great impact on the economy, all countries have implemented different degrees of management of interest rates in the form of laws, regulations, and policies. The state tends to intervene in the level of interest rates according to its economic policies, while at the same time influencing the economy by regulating interest rates.

The current call deposit interest rates for RMB and foreign currencies are: one-day call deposit interest rate and seven-day call deposit interest rate.

The interest of 50,000 yuan in the 7-day call deposit is calculated specifically

The conversion relationship between the annual interest rate, the monthly interest rate and the daily interest rate is:

Annual interest rate = monthly interest rate 12 (month) = daily interest rate 360 (days);

Monthly interest rate = annual interest rate 12 (month) = daily interest rate 30 (days);

Daily interest rate = annual interest rate 360 (days) = monthly interest rate 30 (days), in addition, the use of interest rate should be consistent with the deposit period;

50,000 yuan.

1.A one-year argument hole type deposit of 80,000 yuan, one year to the blind period, the interest is 80,000 * annual interest rate) = 1,800 yuan.

2。Fixed-term three-month deposit with 35,000 yuan, after three months of maturity, 35,000 * annual interest rate) 4 = yuan 4 approx. = yuan,

Per month: 8w * yuan, one-year interest = 480 * 12 = 5760 yuan.

Summary. Hello, the three-year fixed interest rate of rural credit cooperatives is about that, according to this interest rate, the interest of 70,000 yuan for three years is 70,000 * yuan.

Hello, the three-year fixed state Lu interest rate of the rural credit cooperatives is about that, and according to this interest rate, the interest book of 70,000 yuan for three years is 70,000 yuan.

If it's more than 3 percent, what is the interest.

Hello, if it is more than three percent, the interest is 70,000 * 3% * 3 = 6,300 yuan.

45,000 rural credit cooperatives early reading regular a macro annual interest is. How much is the interest rate of 10,000 yuan a year in rural credit cooperatives: The interest rate of a credit cooperative's regular one year is. The annual interest is equal to the principal and the interest rate x the life is equal to 615x1 and is equal to the yuan.

The deposit interest rate of the current bank of the rural credit cooperatives is one year, so the interest obtained during the survival period of 80,000 yuan is 80,000 yuan (interest calculation formula: interest = principal interest rate x term).

As we all know, rural credit cooperatives, including rural cooperative banks and restructured rural commercial banks, do not have unified legal persons across the country, and generally take the provincial and municipal levels as independent legal entities. Since 2015, the central bank has no longer set restrictions on the upper limit of commercial banks' deposit interest rates, and rural credit cooperatives across the country have also set their own prices according to their own deposit competitiveness, local economic activity, customer resources, etc. Therefore, it is necessary to ask how much interest can be earned by depositing 40,000 in rural credit cooperatives for 2 years?

It is mainly determined by the location of the depositor's bank, which is the main factor affecting the interest rate. Different regions will have different interest rate increases, and the interest due will definitely be different.

For example, in the 2018 deposit interest rate announced by Guangxi Rural Cooperative Financial Institutions, the two-year interest rate is 30% higher than the central bank's benchmark interest rate. Then, if the deposit in Guangxi Rural Credit Cooperatives is 40,000 for 2 years, the interest due = 40,000 * yuan. However, in Henan Province, the listed interest rate of the 2-year deposit of the local rural credit cooperatives is 45% higher than the central bank's benchmark interest rate.

In this way, the maturity interest is calculated = 40,000 * yuan, which is 252 yuan higher than that in Guangxi.

However, there are also rural credit cooperatives with higher interest rates elsewhere in the country, such as the Fujian Rural Credit Cooperative. The 2-year term deposit rate has been reached, which is 78% higher than the benchmark rate. 40,000 interest due = 40,000 * yuan.

In this comparison, the interest rate is 816 yuan higher than that of the Guangxi Rural Credit Cooperative, which is the lowest, and the gap is still very large. 40,000 is a rather embarrassing amount, and it is difficult to be satisfied with the interest income as an ordinary time deposit, after all, 4% has not been reached; However, in order to achieve or exceed the yield of 4%, the threshold for structured deposits is still a little short, and even high-yield wealth management products are at least 50,000 yuan or more (although the threshold for some wealth management products is reduced to 10,000). Therefore, if you want to obtain higher returns and ensure the necessary liquidity, smart deposits may be more suitable for small and medium-sized investors.

1800。According to the fixed deposit interest rate of rural credit cooperatives, the interest rate for two years is 1800.

The annual interest rate of rural credit cooperatives is 10,000 yuan, which is about 400 yuan, so the interest of 40,000 yuan is 1,600 yuan for one year and about 3,200 yuan for two years.

Based on the current annual interest rate of 4.35, you can get about 2,500 yuan.