The deposit interest rate refers to the currency that the customer deposits into the bank account according to the agreed conditions, and the interest amount is the interest rate of the loan amount, that is, the principal, within a certain period. There are current interest rates and fixed interest rates, as well as annual/monthly/daily interest rates. Details are as follows:

The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China. The loan interest rate directly determines the profit distribution ratio between the borrowing enterprise and the bank, thus affecting the economic interests of both borrowers and lenders. The loan interest rate varies with the type and duration of the loan, and it is also related to the scarcity of borrowing funds. Details are as follows:

Deposit reserve refers to the deposits deposited by financial institutions in the central bank to ensure the needs of customers to withdraw deposits and settle funds. The ratio of the deposit reserve required by the central bank to its total deposit is the deposit reserve ratio. The deposit reserve ratio is frequently updated. The most recent one was that the central bank lowered the RMB deposit reserve ratio of financial institutions by 0.5 percentage point again from 2065438+February 5, 2005. 20 1 5 on April 20th, the central bank lowered the RMB deposit reserve ratio1percentage point again.