The borrower borrowed 654.38 million yuan, which was paid off in one year. If the benchmark interest rate is 4.35%, it can be concluded that the interest payable by the borrower is 4350 yuan. It can be calculated by the formula "interest = loan principal, loan interest rate and loan term". Among them, the loan interest rate fluctuates on the benchmark interest rate of the central bank according to the applicant's credit status, loan type and other factors. 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. Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits and fixed deposits, and according to different depositors, it can be divided into unit deposits and personal deposits (taking China as an example). Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks. Corporate deposits, corporate deposits. This is a temporary idle monetary fund generated by state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises due to the inconsistency between sales revenue and various expenditures. It also includes all kinds of special funds extracted but not used by enterprises, the most important of which is the depreciation fund of fixed assets, including profit retention. The change of enterprise deposits depends on the scale of purchase and sale of goods produced by enterprises and their operating conditions. With the expansion of production or commodity circulation, corporate deposits will increase and vice versa. With the improvement and acceleration of management, corporate deposits will decrease, and vice versa. The vast majority of corporate deposits are demand deposits, and only a few are time deposits. Fiscal deposits. As the national treasury, all financial revenues and expenditures must be handled through the bank (see the national treasury). Fiscal revenue and expenditure are often inconsistent in time. In the case of first receiving and then paying, temporarily unused funds form financial deposits. Capital construction deposit is a deposit formed by funds used for capital construction but not yet spent. Deposits of organs, organizations and troops. It is the deposit formed by unused funds brought by the above-mentioned units from financial concentration. Rural deposits. The deposits of collective agriculture, township enterprises and rural credit cooperatives in banks, of which rural credit cooperatives account for more than 90%. New types of deposits are constantly emerging in the world, such as negotiable certificates of deposit, negotiable payment instruction account, telephone transfer service, automatic transfer service and money market depositors, among which negotiable certificates of deposit have also developed in China.
Second, what is the loan interest rate of rural commercial banks? What is the annual interest of 1 10,000 loan?
Principal: 100000
Annual interest rate: 4.35%; Interest = annual interest rate of principal, with annual interest rate of 4350.
3. What is the annual interest rate of the loan from Agricultural Bank of China?
The current loan interest rate of ABC is 4.35%. According to the interest calculation formula (interest = principal× interest rate× time) and existing information (loan amount, interest rate and term), the interest amount can be calculated: interest = principal× interest rate× term =100000× 4.35 %×1= 43438.
4. What is the annual interest rate of ABC 10000000 loan in 2023?
The one-year loan interest rate of ABC is 4.35%, if the lender is a high-quality customer such as employees and civil servants of state-owned enterprises or institutions. The loan interest rate can be favorable, the interest rate is 4%, and the loan amount is 654.38+ten thousand yuan, so the annual loan interest is 1000004%=4000 yuan.