Hubei Bank: The annual interest rate is 5.2% ~ 8%.
China CITIC Bank: The annual interest rate is 5.08% ~ 6%.
Ping An Bank: the annual interest rate is 4. 1% ~ 6. 15%.
Zheshang Bank: the annual interest rate is 6.4% ~ 7.2%.
Everbright Bank: the annual interest rate is 4.95.
Minsheng bank: the annual interest rate is 4. 1% ~ 5%.
Zhongbang Bank: the annual interest rate is 8.55%
China Construction Bank: the annual interest rate is 3.85%.
Bank of Communications: the annual interest rate is 3.99% ~ 4. 15%.
The loan market quotation (LPR) is quoted by the quoting banks according to the open market operating interest rate (mainly referring to the medium-term lending convenience rate), and is calculated by the National Interbank Funding Center to provide pricing reference for bank loans. LPR quotation banks now include 65,438+08 banks. Before 9: 00 on the 20th of each month (postponed in case of holidays), each quotation bank shall submit the quotation to the National Interbank Funding Center in steps of 0.05 percentage point. After excluding the highest and lowest quotations, the National Interbank Funding Center calculates the LPR arithmetically, rounding it to the nearest integer multiple of 0.05%, which will be announced at 9: 30 on the same day, and the public can borrow money from banks nationwide. At present, LPR includes 1 year and more than 5 years. According to the announcement of the People's Bank of China (Announcement [20 19]No. 15), the quotation rate (LPR) of the loan mall will be calculated according to the new composition mechanism from August 20, 20 19.
2. What is the interest on bank loans in Hubei Province?
The loan interest rate of the People's Bank of China is unified throughout the country.
Date: 2008- 10-09
Category item
Annual interest rate (%)
I. Short-term loans
Within six months (including six months) 6. 12
Six months to one year (including one year) 6.93
Second, medium and long-term loans
One to three years (including three years) 7.02
Three to five years (including five years) 7.29
More than five years 7.47
Third, discounts.
The discount is determined by adding the discount rate as the lower limit.
Note: China People's Bank's previous deposit interest adjustment comparison table.
3. What is the loan interest rate of Xiangfan Hubei Bank 202 1?
Deposits of urban and rural residents and units-demand (%)0.350 deposits of urban and rural residents and units-fixed term-lump sum deposit and withdrawal-three months (%)
1.650 deposits of urban and rural residents and units-fixed term-lump sum deposit and withdrawal-half a year (%)
1.950 deposits of urban and rural residents and units-fixed term-lump sum deposit and withdrawal-one year (%)
2.250 Deposits of urban and rural residents and units-fixed term-lump sum deposit and withdrawal-two years (%)
2.730 deposits of urban and rural residents and units-fixed term-lump-sum deposit and withdrawal-three years (%)3.575 deposits of urban and rural residents and units-fixed term-lump-sum deposit and withdrawal-five years (%)4.000 deposits of urban and rural residents and units-fixed term-lump-sum deposit and withdrawal, deposit and withdrawal-one year (%)1. Deposit with interest-three-year term (%) 1.950 deposits of urban and rural residents and units-fixed term-lump sum deposit and withdrawal, lump sum deposit and withdrawal, deposit with interest-five-year term (%)2.250 deposits of urban and rural residents and units-fixed term-two jobs and two conveniences (%) fixed term deposits within one year, and the interest rate of the same grade is 65% off.
4. Xiangyang Xiangzhou, Hubei 202 1 Which bank deposits 200,000 yuan with high interest?
The interest rate in Xiangzhou, Xiangyang, Hubei Province is higher. The first is the rural credit bank.
The central bank sometimes releases funds to the market through RRR interest rate cuts and open market operations, but the impact on these rural credit cooperatives and rural commercial banks is limited or even smaller. So the deposit interest rate they give is about 3.5% a year, but the interest rate that these banks can give is above 4%.
There is also a category of private banks. These banks generally have fewer outlets and smaller scale. In order to improve their influence and absorb deposits, they will adopt the way of raising deposit interest rate or innovating products. The smart deposit yield of some private banks may reach 5%.
In terms of bank financial management, since the new asset management regulations, the market has disappeared, the scale of financial management has gradually decreased, and the rate of return has gradually decreased, most of which has dropped to about 4%
Comparison of interest rates of major banks
Five state-owned commercial banks.
1. The five state-owned commercial banks include Industrial Bank, China Bank and Bank of Communications. These five banks are the backbone of China's banking industry, and depositors are widely distributed, many of which belong to corporate deposits, so they are not worried about the deposit problem.
Because of this, the deposit interest rates given by the five major banks are generally relatively low.
2. At present, the three-year listing interest rate of ICBC is only 2.75%, which is the same as the benchmark interest rate of the central bank. In another year, the interest rate of two-year time deposit was slightly higher than the benchmark interest rate, but the floating rate was only about 8%.
Of course, the actual deposit interest rate will be much higher than the benchmark interest rate. For example, for three-year time deposits, the deposit interest rate given by the five major banks is about 3.58%, and the interest rate of three-year certificates of deposit can be around 4%. But from the perspective of the whole market, the deposit interest rates of the five major banks should be considered as the lowest.
4. 12 joint-stock banks and large city commercial banks.
12 Joint-stock banks include China Merchants Bank, while merchants in some big cities such as Shanghai Bank, Guangzhou Bank and Hangzhou Bank can do business all over the country and are also the most active in the market.
Judging from the actual situation of the market, the deposit interest rates of these banks are between the five major banks and other banks. They are a little higher, but not much higher. But compared with other small banks, the deposit interest rates offered by these banks are actually not high.
For example, it is also a three-year time deposit, and the deposit interest rate given by these banks is about 3.58%~3.
5. Postal Savings Bank.
Postal savings bank is also a large state-controlled commercial bank in China, which ranks with the six major state-owned commercial banks. It stands to reason that its deposit interest rate, but from the actual situation, the actual deposit interest rate given by the Postal Savings Bank is much higher than that of the other five major banks.
For example, it is also fixed for three years. At present, the deposit interest rate offered by the five major banks is only about 3.58%, but the three-year fixed deposit interest rate offered by the Postal Savings Bank in some cities is about 4. 13%, and the interest rate in other cities is basically about 3.85%, which is higher than the five major state-owned banks and 12 joint-stock banks.