At present, major banks do not have the latest deposit interest rate adjustment.

Major state-owned banks still carry out the annual interest rate in 2022: 0.03% for demand, 0/.75% for one year, 2.25% for two years, 2.75% for three years and 2.75% for five years.

The interest rate adjustment of major banks is based on the benchmark interest rate of deposits and loans announced by the central bank. At present, the central bank has not announced the new benchmark interest rate, and major banks have not adjusted interest rates.

Two. The latest deposit and loan interest rate table of the central bank

Date of RMB deposit interest rate table: 20 10- 10-20 Project annual interest rate% 1. Deposit of urban and rural residents and units (1) current 0.36 (2) fixed term 1. Three-month lump-sum deposit and withdrawal 1.9 1 half a year 2.20 one year 2.50 two years 3. One-year principal and interest of deposit 1.9 1 three years 2.20 five years 2.503. One-year lump-sum deposit at the same interest rate is 60%, and the agreed deposit is 1. 17. 3. Notice deposit is 0.8 1 for one day and 0.351for seven days.

Three. List of bank loan interest rates in 2022

The central bank will formulate major policies every year and will also liberalize the benchmark interest rate for deposits and loans. The major banks only use this as a reference to formulate new loan interest rates in combination with their respective banks' conditions. All, different banks have different loan interest rates. The following is a list of bank loan interest rates in 2022.

Bank loan interest rate table 2022

1. central bank: the interest rate is 4.35% for six months (including six months of bright study), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

2. ICBC: the interest rate is 4.35% for six months (including six months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).

3. Agricultural Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

4. China Construction Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).

5. Bank of China: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

6. Bank of Communications: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

7. China Merchants Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

8. China CITIC Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to 1 year (including 1 year), 4.75% for 1 to three years (including three years) and 4.75% for three to five years (including five years).

9. China Everbright Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years) and 4.75% for 3 to 5 years (including 5 years).

10, Shanghai Pudong Development Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years) and 4.9% for three to five years (including five years).

1 1, deep development: 6 months (including 6 months) interest rate 5.6%, 6 months to 1 year (including 1 year) interest rate 6. 15%, 3 to 5 years (including 5 years) interest rate 6.4.

12, Ping An Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

13, China guangfa bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for five years and above.

14, Huaxia Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

15, Minsheng bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

16, Industrial Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.9% for more than five years.

17, Bank of East Asia: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 3 to 5 years.

18, Bank of Beijing: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 3 to 5 years.

19, China Postal Savings Bank: the interest rate is 4.35% for six months (including six months), 4.35% for six months to one year (including one year), 4.75% for one to three years (including three years) and 4.9 for three to five years (including five years).

20. Dezhou Bank: the interest rate is 4.35% for 6 months (including 6 months), 4.35% for 6 months to 1 year (including 1 year), 4.75% for 1 to 3 years (including 3 years), and 4 for 3 to 5 years (including 5 years).

This article mainly focuses on the knowledge points of the list of bank loan interest rates in 2022, and the content is for reference only.

Four. The latest deposit and loan interest rate table of the central bank

The benchmark interest rate for one-year loans was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged. At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy.