The annualized rate is 4 years.
1, annualized deposit rate. According to annualized interest rate = actual annual interest rate, an annualized rate of 4% means that the actual annual interest rate is 4%. According to deposit interest = deposit amount deposit interest rate deposit time, the interest of 1 ten thousand yuan is: 10004% 1 = 400 yuan.
2. Annualized loan interest rate. Loan repayment methods are divided into equal principal and interest and average capital.
① Equal principal and interest. The interest of 10 thousand yuan a year is 2 1.
② Average capital. The annual interest of 10 thousand yuan is 2 16.67 yuan.
Interest, that is, the use fee, refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds.
1. Money other than the principal of deposits and loans (different from "principal")
2. The interest at the abstract point refers to the monetary capital injected into the real economy and returned to a less abstract point, generally referring to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital. Also known as the symmetry of sub-fund and parent fund (principal).
Interest rate × deposit period (i.e. when
Interest (interest) is the reward for the owner of the fund to lend the fund, which comes from the use of part of the fund by the producer. Refers to the value-added amount brought by monetary funds injected into the real economy and returned.
The calculation formula is: interest = principal × interest rate × deposit period × 10.
3. Classification of bank interest
The root difference can be divided into two types: bank interest receivable and bank interest payable.
Interest receivable refers to the remuneration that the bank obtains from the borrower by lending to the borrower; It is the price that the borrower must pay for using the funds; It is also part of the bank's profits.
Interest payable refers to the remuneration paid to depositors by banks to absorb their deposits; It is the price that banks must pay to absorb deposits, and it is also the cost of banks.
Generation factor
Delayed consumption
Lenders lend money, which is equivalent to delaying the consumption of consumer goods. According to the principle of time preference, consumers will prefer current goods to future goods, so there will be positive interest rates in the free market.
Expected inflation
Inflation will occur in most economies, representing a certain amount of money, and fewer goods can be purchased in the future than now. So the borrower needs to compensate the lender for the losses during this period.
alternative investment
Lenders can choose to invest their money in other investments. Due to the opportunity cost, the lender lends money, which is equivalent to giving up the possible return on other investments. Borrowers need to compete with other investments for this fund.
investment risk
Borrowers are at risk of bankruptcy, absconding or default at any time, and lenders need to charge extra fees to ensure that they can still get compensation under these circumstances.
liquidity preference
People will prefer that their funds or resources can be traded immediately at any time instead of spending time or money to get them back. Interest rate is also a kind of compensation for this.
2. What do you mean by annualized interest rate increase?
It refers to converting the inherent interest rate of any period of time into an annual interest rate expression, which can be used to estimate the interest after one year's maturity.
1. The 7-day annualized interest rate we usually see is to convert the actual interest rate of the last seven days into an approximate annual interest rate. Assuming that the annualized interest rate on the 7th is 5%, the interest income after 100 yuan is probably 5 yuan, only about 5 yuan, not necessarily 5 yuan.
2. The same is true when it is applied to loans. Assuming the annualized interest rate of the loan is 10%, the loan interest after 1 year is about 100 yuan, because the annualized interest rate of this loan may be 1 day, 7 days, 1 month, etc.
3. What is the annualized interest rate?
The annualized interest rate is the interest rate discounted to the whole year through the inherent rate of return of products. Suppose that the return period of a wealth management product is one year, the yield is B, and the annualized interest rate R is the difference between the sum of 1 and b and the power A of 1, that is, the power A of (1b) minus 1.
Annual interest. The annual interest rate is expressed as a percentage of the principal. For example, if the deposit is 100 yuan and the bank promises to pay the annual interest rate of 4.2%, then the bank will pay 4.2 yuan interest in the coming year.
The calculation formula is 100×4.2%=4.2 yuan, and the formula is: interest rate = interest ÷ principal ÷ time×100%. Interest = principal × interest rate× time = 100×4.2%=4.2 yuan, and the final withdrawal 1004.2= 104.2 yuan.
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4. What is the added value of the comprehensive annualized rate of return?
Interest. Annualizedrateofreturn (English) is the rate of return calculated by converting the rate of return into the annual rate of return. There are two expressions, one is the actual annualized rate of return, and the other is the expected annualized rate of return. The added value is interest, which is an expression of converting the inherent interest rate at any time into the annual interest rate, and can be used to estimate the interest after one year's maturity.