Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established.
In 2022, the latest deposit interest rate is still based on the benchmark interest rates of 2 105 and 10, and the fluctuation degree of major banks is different. The following are the deposit rates of the six major state-owned banks:
Postal savings bank: 1 annual interest rate 2.15,2 annual interest rate 2.95,3.84,5 annual interest rate 3.44.
China Construction Bank: 1 annual interest rate is 2.07, 2.90, 3.8 1, 5.75.
Agricultural Bank: 1 annual interest rate 2.02, 2 annual interest rate 2.8 1, 3 annual interest rate 3.65, 5 annual interest rate 3.5.
Bank of China: 1 The annual interest rate is 2.03, 2.82, 3.67, and 5 is 3.55.
ICBC: 1 annual interest rate 1.98, 2 annual interest rate 2.74, 3 annual interest rate 3.57 and 5 annual interest rate 3.53.
Bank of Communications: 1 annual interest rate 1.98, 2 annual interest rate 2.69, 3 annual interest rate 3.5 1, 5 annual interest rate 3.50.
Deposit interest rate is the standard for calculating deposit interest. Refers to the ratio of interest amount to deposit amount in a certain period, also known as deposit interest rate.
The deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting the cost of banks. China's deposit interest rate is determined by the state according to objective economic conditions, currency circulation, supply and demand of market materials, and taking into account the interests of all parties.
2065438+2005,65438+2005123 October, the People's Bank of China announced interest rate cuts and RRR cuts, and at the same time, it was clear that the deposit interest rate ceiling would no longer be set for commercial banks and rural cooperative financial institutions. At this point, the interest rate control has been basically abolished, and the interest rate marketization reform has entered a new stage.
The units of deposit interest rate are annual interest rate, monthly interest rate and daily interest rate (also called annual interest rate, monthly interest rate and daily interest rate).
The annual interest rate is expressed as a percentage of the principal, and the monthly interest rate is expressed as a percentage of the principal; The daily interest rate is expressed as a few ten thousandths of the principal. China used to call the interest rate a few cents. On June 2, 2002 1 June 21day, some banks will lower the interest rates of two-year and three-year certificates of deposit products according to the requirements of interest rate management.