Demand: The benchmark interest rate of demand deposits given by the central bank is 0.35%, but the benchmark interest rate of the central bank is more instructive and not mandatory for commercial banks, so the interest rate of demand deposits of almost all commercial banks is below 0.35%, which is 0.3%. If we calculate the interest rate at 0.3%, the interest in 200,000 years will be 200,000 * 0.3% = 600 yuan.
Term: The benchmark interest rate of the central bank's one-year time deposit is 1.5%, but all commercial banks offer higher interest, because commercial banks tend to absorb such stable long-term funds, and the interest rate is in the range of 1.75%-2.25%. 200,000 yuan is just enough for the initial deposit amount of large deposit certificates, and generally they get1.