According to the data of official website deposit interest rate of the four state-owned banks of China Agricultural Construction, the current interest rate of the four major banks is 0.3%, the three-month interest rate is 1.35%, the six-month interest rate is 1.55%, the one-year interest rate is 1.75%, and the two-year interest rate is 2.25%.
2. The deposit interest rate of banks in official website is different from the actual deposit interest rate. Local branches have the right to make adjustments on the basis of the official deposit interest rate of the Bank, generally floating on the basis of the above deposit interest rate. Therefore, even in the same bank, the deposit interest rates in different places will be different, and some interest rates will vary greatly.
Extended data:
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.
1. Company deposits:
(1) company 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 of management and the acceleration of capital turnover, corporate deposits will decrease, and vice versa. The vast majority of corporate deposits are demand deposits, and only a few are time deposits.
(2) 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.
(3) Capital construction deposits are deposits formed by funds used for capital construction but not yet spent.
(4) Deposits of organs, organizations and troops. It is the deposit formed by unused funds brought by the above-mentioned units from financial concentration.
⑤ 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.
2. Time deposit: refers to the deposit that the depositor can only withdraw money on the specified date after the deposit or must notify the bank a few days before the withdrawal. The term can range from 3 months to 5 years, or it can exceed 65,438+00 years. Generally speaking, the longer the deposit term, the higher the interest rate. Traditional time deposits include not only certificates of deposit, but also passbooks, also called passbook time deposits.
However, 90 days is the basic interest-bearing days, and no interest will be calculated after 90 days. Compared with demand deposits, time deposits have strong stability and lower operating costs, and the deposit reserve ratio held by commercial banks is correspondingly low, so the capital utilization rate of time deposits is often higher than that of demand deposits.
Time deposits are used to settle accounts or withdraw cash from time deposit accounts. If customers need funds temporarily, they can apply for early withdrawal or partial early withdrawal.
3. Demand deposit: refers to a kind of bank deposit that depositors can deposit, withdraw and transfer at any time without prior notice, in the form of checking account, certified check, promissory note, travel payment, letter of credit, etc. Demand deposits account for the largest part of a country's money supply and are also an important source of funds for commercial banks.
In view of the fact that demand deposits not only have the functions of monetary payment and circulation means, but also have strong derivative ability, commercial banks must take demand deposits as the focus of their operations at any time.
However, due to frequent deposit and withdrawal, complicated procedures and high cost, commercial banks in western countries generally do not pay interest, and sometimes even charge a certain handling fee.
4. Call deposit: Call deposit is a deposit with no agreed maturity, and can only be withdrawn after notifying the bank in advance and agreeing on the withdrawal date and amount.
No matter how long the actual deposit period is, individual notice deposits can be divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice of depositors. One-day notice deposit must inform the agreed withdrawal amount one day in advance, and seven-day notice deposit must inform the agreed withdrawal amount seven days in advance.
The minimum initial deposit, minimum withdrawal and minimum retention amount of RMB call deposit are all 50,000 yuan, and the minimum initial deposit amount of foreign currency is equivalent to 1 1,000 US dollars (banks can consult local banks for the initial deposit amount).
The currencies of call deposits can be RMB, HKD, GBP, USD, JPY, EUR, CHF, AUD and SGD (please consult your local bank for specific business and currency). According to bank regulations, the call deposit interest rate of RMB and foreign currency is higher than the deposit interest rate.
5. Application method: Go to the bank outlet with my ID card, open an account that can be docked with the notice deposit and deposit a certain amount (generally more than 50,000 yuan). Choosing notice deposit can not only get higher interest than demand deposit, but also get back the funds in a short time, which is more suitable for people who have a lot of idle funds in a short time but also have irregular capital needs.
References:
Baidu encyclopedia-time deposit interest rate