Specific analysis and calculation are as follows:

100*8%/( 100- 100*20%)=8/80= 10%

1. What is compensatory balance?

Compensation amount, also known as "minimum loan amount", refers to that when an enterprise borrows from a bank, it requires the loan company to keep a certain percentage of the minimum loan balance in the bank in the form of low interest or interest-free. The amount required by banks is mainly affected by the competition in the credit market. If the supply exceeds demand in the credit market, the borrower may be in a favorable position when signing the loan agreement, and the loan balance may be small. On the contrary, the borrower may need to accept a higher loan balance. The loan surplus helped the bank. But for loan companies, loan surplus will increase the real interest rate of loans and the interest rate of enterprises.

Second, how to calculate the bank interest rate?

The loan interest rate is determined by the state and announced by the People's Bank of China. Interest rate, also known as interest, is the ratio of interest rate to principal on a specific date.

Generally divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage, the monthly interest rate is expressed as one thousandth and the daily interest rate is expressed as one thousandth.

The annual interest rate is reduced from 9% to 9%, that is, the fixed interest rate per thousand yuan deposit is one year in 90 yuan.

6% monthly interest is recorded as 68240; That is, the monthly interest rate per yuan deposit is 6 yuan, and the daily interest rate is 1.5 cents, written as 0.158240; In other words, the daily interest of each RMB deposit is 15. China savings at monthly interest rate. As for the calculation of interest, all three interest rates can be recalculated. The recalculation formula is: the annual interest rate is 247; 12 = monthly interest. Monthly interest rate 24730 = daily interest rate 247360 = daily interest.

3. What's the interest rate?

Interest rate is the ratio of interest rate to the size of loan funds (principal) in a certain period. Interest rate is not only the main factor that determines the capital cost of enterprises, but also the decisive factor of financing and investment of enterprises. The study of financial environment must pay attention to the present situation and development of interest rate. Interest rate is the ratio between the interest rate payable in each period and the loan face value, loan or loan amount (total principal). The interest rate of a loan or total loan depends on the principal, interest rate, compound interest and the time of borrowing, deposit or borrowing. Interest rate is the price that the borrower pays for his own loan, and it is also the return that the lender delays consumption and lends to the borrower. The interest rate is usually calculated as a percentage of one year's interest and principal.