Regarding bank deposit settlement, how to calculate bank deposits

It's too general, let's be specific.

Interest calculation formula: interest = principal (deposit amount) deposit period x interest rate. Bank Deposit = Principal + Interest.

Interest rate expression: annual interest rate, monthly interest rate, daily interest rate. Attention should be paid to the correlation when applying interest rates:

Annual interest rate 12 = monthly interest rate, monthly interest rate 30 = daily interest rate. For example, if you deposit 1,000 yuan at one time, the interest rate is, two-year fixed deposit interest = principal (deposit amount) deposit period x interest rate = 10,000 * year) = 880 yuan, bank deposit = principal + interest = 1,000 + 880 = 1,880 yuan.

Extended information: 1. The interest calculation formula is mainly divided into the following four situations.

1.The basic formula for calculating interest, the basic formula for calculating interest on savings deposits is: interest = principal tenor interest rate;

2.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;

3.In the interest calculation formula, the starting point of interest calculation of savings deposits is RMB, and no interest is paid for the dimes below RMB; The interest amount is rounded to the nearest cent, and the actual payment will be rounded to the nearest cent; Except for the annual settlement of current savings, which can transfer interest to the principal to earn interest, all other types of savings deposits, regardless of the deposit period, will be repaid with the principal at the time of withdrawal, without compound interest.

4.The calculation of the deposit period in the interest calculation formula. The method of calculating the deposit period is adopted; Regardless of the big month, small month, normal month, or leap month, each month is calculated as 30 days, and the whole year is calculated as 360 days; The maturity date of all kinds of deposits is calculated on a year-to-month-to-date basis, and if the account opening date is a missing date in the maturity month, the last day of the maturity month is the maturity date.

Second, interest as the use of funds plays a very important role in the operation of the market economy, mainly in the following aspects:

1.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.

2.Functions that affect residents' asset selection behavior.

Under the condition that the real income level of Chinese residents is constantly increasing and the savings ratio is increasing, asset choice behavior has emerged, and the increase of financial instruments provides an objective basis for residents' asset choice behavior, and interest income is the main incentive for residents' asset choice behavior.

3.Features that affect behavior.

Since interest income is closely related to the economic interests of the deficit and surplus sectors of the whole society, it can also be used as an important economic lever to regulate economic operations.

1. For example, the amount you deposit*, which is a one-year interest.

For example, 10,000 for one year is 10,000 * bank deposit interest calculation formula is as follows:

1) Bank Deposit Rate:

Interest rate, also known as interest rate, is the ratio of interest to principal within a certain date, which is generally divided into three types: annual interest rate, monthly interest rate, and daily interest rate.

The annual interest rate is expressed as a percentage, the monthly interest rate is expressed in thousandths, and the daily interest rate is expressed in thousandths. For example, the annual interest rate of 9% is written as 9, that is, the interest rate of every 100 yuan deposit is 9 yuan for one year, and the monthly interest rate of 6% is written as 6, that is, the monthly interest rate of 1,000 yuan deposit is 6 yuan, and the daily interest rate of 1 percent and 5 millimeters is written as, that is, the daily interest rate of 1 yuan and 5 jiao per 10,000 yuan deposit.

The conversion formula is: annual interest rate, 12 month interest rate, monthly interest rate, 30-day interest rate, annual interest rate, 360-day interest rate.

2) When calculating the interest on savings deposits, the principal is based on "yuan" as the starting point, and the corners and cents below the yuan are not interest-bearing, and the amount of interest is calculated to the centile, and the amount of interest is rounded below the absolute position. Interest is calculated to the nearest centimeter level, and the total interest is rounded to the nearest percentage.

3) Due to the different types of deposits, the specific interest calculation methods are also different, but the basic formula for interest calculation remains the same:

That is, interest is the product of the three elements of principal, deposit period and interest rate, and the formula is: interest principal interest rate time, if calculated by daily interest rate, interest principal daily interest rate deposit days (if calculated by monthly interest rate, interest principal monthly interest rate number of months).

How to calculate the number of days overdue: Days overdue (Withdrawal Year Maturity Year) 360 Withdrawal Month, Number of Days Expiration Month, Number of Days.

The method of calculating interest: a. Split the 100 yuan base interest calculation method. It is applicable to the calculation of interest on fixed deposit and lump sum withdrawal, and demand certificate of deposit savings.

b. Accumulation of interest. It is applicable to the calculation of interest on fractional deposits and lump sum deposits, and can also be used to calculate the interest on current passbooks. c. Surplus interest calculation method.

It is applicable to the calculation of savings interest on current passbooks.

The formula for calculating accrued interest is: accrued interest principal interest rate time.

2. Bank deposits: It is the money stored in the bank and is a component of monetary funds. According to the provisions of China's cash management system, every enterprise must open a deposit account with the People's Bank of China or a specialized bank to handle deposits, withdrawals and transfer settlements

Settlement account deposits, letter of credit deposits, foreign deposits, etc. The cashier is responsible for the collection and disbursement of bank deposits. For each bank deposit income and expenditure business, the accounting voucher must be prepared according to the original voucher that has been audited and correct.

A general deposit refers to a deposit made by an entity or individual depositing money in a bank.

Settlement deposit should refer to the money made by the bank in the process of settlement, such as the money that has been received by the bank but has not yet been transferred to the account of the unit or individual in the process of remittance and transfer. or the bank has withdrawn the money from the account of the unit or individual, but has not yet remitted the money. To be precise, it should be called settlement payment!

1. Cash settlement and transfer settlement. The act of receiving and paying money for economic transactions between two parties in cash is called cash settlement. The act of the two parties in the economic activity replacing the cash receipt and payment with credit payment, and the receiving and paying parties bear the settlement and settlement of the receipt and payment function by transferring the money between the bank accounts is called non-cash settlement, also known as transfer settlement.

2. Intra-city settlement. Intra-city settlement, also known as local settlement, refers to the transfer settlement between units within the same town. According to the provisions of China's current "Bank Settlement Measures", the more common types of settlement used in intra-city settlement include checks, cashier's checks, entrusted collections, etc.

3. Settlement in different places. Non-local settlement, also known as inter-port settlement, refers to the transfer settlement between units within the same city. For those who belong to the same city, but the depositary bank does not participate in the settlement of intra-city bill exchange, it is generally handled as a non-local settlement.

4. International settlement. International settlements usually refer to settlements between countries. According to the current international practice, the main methods of international settlement are remittance settlement, collection settlement, letter of credit settlement, and credit payment instruments such as bills of exchange, promissory notes, and checks.

The purpose of the bank deposit account is to reflect and monitor the income, expenditure and balance of the company's bank deposits. Enterprises are required to set up a "bank deposit" account, the debit side registers the increase of the company's bank deposits, the credit side registers the decrease of the bank deposits, and the debit balance at the end of the period reflects the amount of bank deposits actually held by the enterprise at the end of the period.

Enterprises should continuously reflect and supervise the receipts and expenditures and balances of bank deposits through bank accounts, and enterprises should set up general ledgers and journals for bank deposits, and carry out general and classified accounting of bank deposits and accounting for bank deposits in a clear and coarse manner.

Bank settlement accounts are divided into unit bank settlement accounts and individual bank settlement accounts according to different depositors. Corporate bank settlement accounts are divided into basic deposit accounts, general deposit accounts, special deposit accounts, and temporary deposit accounts according to their purposes. (1) The basic deposit account refers to the bank settlement account that the depositor needs to open for daily transfer settlement and cash receipt and payment, and only one basic deposit account can be opened by a unit.

Cash withdrawals from deposit units can only be made through the basic deposit account. A unit can only choose one business institution of one bank to open one basic deposit account, and may not open more than one basic deposit account at the same time. (2) "General deposit account" refers to the bank settlement account opened by the depositor in a bank business institution other than the bank where the basic deposit account is opened for borrowing or other settlement needs.

The account can be used for cash deposits, but it is not allowed for cash withdrawals. (3) Temporary deposit account refers to the bank settlement account opened by the depositor for temporary needs and use within the specified period. Depositors who have set up temporary institutions, temporary business activities in other places, or registered for capital verification may apply to open temporary deposit accounts.

Temporary deposit accounts may not be valid for a maximum of 2 years. (4) A special deposit account refers to a bank settlement account opened by a depositor for special management and use of funds for a specific purpose in accordance with laws, administrative regulations and rules.