Starting from 10, 0980+65438+65438, three-year and five-year installments will be added to the time deposit respectively, and interest will be calculated monthly.

3.3‰ and 3.75 ‰; Increase the fixed deposit of lump-sum deposit and withdrawal, restore the interest of lump-sum deposit and withdrawal, and have interest rate.

And the grade is the same as zero deposit and lump sum withdrawal. In April of the same year 1, the savings rate was adjusted again.

On September 1 day of the same year, interest will be resumed on the deposits in the special account of the enterprise and the deposits in the competent department of the enterprise according to the interest of the enterprise deposits.

The rate is 1.5‰. At the same time, the personal loan interest rate is set at 4.2‰ per month.

With the consent of the People's Bank of China, China Agricultural Bank has organized cooperatives, teams and commercial enterprises from 198 1+0.

The members of corporate loans and personal loans with interest rates belong to the industrial and commercial nature and life (rations and disease loans).

Except the loan interest rate), all of which were adjusted to 4.2‰.

19811February, the State Council approved the unification of the fixed asset loan interest rates of China People's Bank and China Construction Bank from 1982.

Since June 65438+1 October1,the interest rate of infrastructure loans has tilted to the coal mine, building materials and post and telecommunications industries, with an annual interest rate of 2.4%.

Interest; Machinery, light industry, textile, crude oil processing, petrochemical and other industries, with an annual interest rate of 3.6%; Other industries

Interest is calculated at an annual rate of 3%; Loans for renovation measures (including short-term and medium-term equipment loans and special loans for export of industrial products)

, domestic matching loans, small-scale technical measures loans, etc. ) interest rate, the monthly interest rate is 4.2‰.

65438+ In February of the same year, the State Council approved the report of the People's Bank of China on adjusting the deposit and loan interest rates of banks. Provincial media

According to the unified deployment, since the first quarter of 1982, the interest-bearing scope of deposits has been expanded, and time deposits of public institutions have been established; Restore the loan interest rate to the monthly interest rate of 6% before the Cultural Revolution, and implement different interest rates for working capital loans and short-term equipment loans; The interest rate of agricultural loans will be appropriately raised, while the interest rate lower than that of industrial and commercial enterprises loans will still be implemented.

Interest rate principle; From April 1 day, the interest rates of overseas Chinese time savings deposits and RMB savings deposits will be raised, and additional fees will be charged.

8-year long-term savings deposit interest rate.

1February, 1982, the supplementary regulations of the head office of the People's Bank of China were implemented, and the monthly loan interest rate was 6‰, and the monthly grain and oil loan was negotiated.

The interest rate is 6‰, and the monthly interest rate of gold equipment loans is 3.6‰. In May of the same year 1, the demand deposits of trade union dues at all levels resumed to bear interest, with a monthly interest rate of 1.5‰.

1983 1 month, and the settlement loan interest rate is lowered from 6‰ to 3‰. Pilot project of developing agricultural bank

The loan interest rate is 3.6‰ per month. The energy-saving infrastructure loans organized by China Construction Bank are subject to preferential interest rates, all of which are years.

The interest is 2.4%. In May of the same year, China Agricultural Bank adjusted the interest rate between banks and credit cooperatives from the original monthly interest rate of 2.7‰ to the monthly interest rate.

It is 3.6‰, and at the same time, the spread subsidy of the Agricultural Bank to the credit cooperatives is cancelled accordingly. 10 month, Provincial Agricultural Bank

Behavior changes the unreasonable situation of high deposit interest rate, low loan interest rate and upside down deposit and loan interest rate of credit cooperatives, and regulates credit.

Social loan interest rate: the loan interest rate for planting and aquaculture is adjusted from 4.8‰ to 6 ‰; The interest rate of industrial and sideline loans was adjusted from 6‰

6.6 ‰; Business, catering and service industries were adjusted from 6‰ to 7.2 ‰; The interest rates of other living loans range from 6‰ to 7.

.2 ‰ is adjusted to 8.1‰; The transportation loan was adjusted from 6‰ to 9‰.

In June165438+1October of the same year, Agricultural Bank of China comprehensively adjusted the interest rate of agricultural loans according to the deployment of the head office. See table 4- 19 for details.

The original seven preferential interest rates will continue to be implemented, namely, grain and oil loans (parity) and seed company loans (parity).

3‰, settlement loan 3‰, educated youth enterprise loan (within 2 years of starting a business) 3.6‰, ethnic trade and ethnic products production.

Enterprise loans are 3.0 ~ 3.3 ‰, small commodity production enterprises loans 4.8‰, and Chinese herbal medicine enterprises loans 4.8‰.

Gas loan 2. 1‰. Subsequently, according to the regulations of the head office of the People's Bank of China, other insurance deposits of insurance companies were made in the People's Bank of China.

From198365438+February 2 1, the following interest rates are implemented: the monthly interest rate of general insurance reserve deposit is 4.2‰, the monthly interest rate of unpaid reserve deposit is 3.6‰, and the current deposit is 1.5‰. The loan interest rate of individual industrial and commercial households in the city is 7.2‰ from 10/9841in October. The fixed internal loans of state-owned industrial and commercial enterprises shall bear interest at 6‰ from 1984 65438+ 10/month. Foreign trade, industry and trade implement "deposit-and-loan-to-household" loans within the enterprise quota, and implement preferential interest rates with a monthly interest rate of 5.7‰.

From the fourth quarter of 1984, the Agricultural Bank adjusted the interest rate between the bank and the credit cooperatives, and the credit cooperatives deposited it in the bank.

The monthly interest rate of deposit reserve is 4.5‰, generally 4.2‰, and the monthly interest rate of bank credit cooperative loans is 5. 1‰.

1985. With the approval of the State Council, the People's Bank of China made two major adjustments to the deposit and loan interest rates: First,

From April 1 year, the interest rates of time deposits, time deposits of enterprises and institutions and working capital loans will be raised;

Once, since August 1 day, the interest rate of time deposits has been raised again, and the interest rate of fixed assets loans has been greatly increased.

The two increases in deposit interest rates are aimed at expanding medium and long-term loan funds to match the price reform and wage reform.

Source. The purpose of raising the interest rate of working capital loans is to maintain a reasonable spread between bank loans and deposits and promote enterprises to enhance profits.

Interest concept, capital turnover concept, input-output concept, saving the use of funds. The interest rate stipulated by the People's Bank is:

The interest rate of industrial and commercial working capital loan (applicable to all citizens and collective industrial and commercial enterprises) is adjusted from 6‰ to 6.6 ‰ per month; individual

The loan interest rate for industrial and commercial households was adjusted from 7.2‰ per month to 7.8 ~ 9.6 ‰. After the interest rate is raised, it is of great significance to undertake social goods.

Wholesale enterprises with reserve tasks and state loans to purchase grain, cotton and oil seeds are still subject to the original interest rate.

The interest rate of agricultural loans has also been adjusted accordingly, and agricultural students from state-owned agriculture, rural collectives, cooperative economies and farmers

The monthly loan interest rate is adjusted from 6‰ to 6.6 ‰; The working capital loan of township enterprises was adjusted to 7.2‰ to set up production facilities.

The reserve loan is adjusted to 7.5 ~ 7.8 ‰. The state-owned commercial supply and marketing cooperatives at or above the county level that implement the "separation of deposit and loan" are still given

Preferential treatment: for those who undertake the task of commodity reserve, the monthly interest rate of one-time loans for recycling is 5.7‰, and the monthly interest rate of temporary loans is 6 ‰;

Do not undertake the task of commodity reserve, and the monthly interest rate is 6.3‰. Foreign trade enterprises shall implement "deposit and loan households" for working capital loans.

According to the preferential interest rate of commodity reserve task, the unified system of "separation of deposit and loan" is 6‰. Construction industry process

The interest rate of working capital loans is 4.2‰ for planned loans and 6.6‰ for temporary loans exceeding the plan, and the state allocates working capital for transfer.

3.6‰ of bank loans. Fixed assets loans to urban collective enterprises and small equipment loans to state-owned industrial and commercial enterprises and supply and marketing cooperatives are also implemented according to the adjusted fixed assets loan interest rate. The interest rate of equipment loans for township enterprises increased from 7.5 ~ 7.8 ‰ to 8.4 ~ 9 ‰. The loan interest rate of the Agricultural Development Bank was adjusted from 4.2‰ in 1 year to 4.8‰, from 4.8‰ in three years to 5.4‰, from 5.4‰ in five years to 6‰, and from 6‰ in five years to 6.6‰. The interest rate of technology development loans issued by ICBC is 2. 1‰ per month, and the People's Bank of China subsidizes the spread of 3.3‰ according to the standard of 1985 of 5.4‰ per month. The interest rate of special loans entrusted by the People's Bank of China to specialized banks is: the interest rate of development loans for the young and the old is 3 ‰ per month; The interest rates of loans for the development of local economy and the development of coastal open cities shall be subject to the interest rate of technical transformation loans, and the interest rate of technical transformation loans shall be subject to the interest rate of capital construction loans in principle (from August 1 onwards, it shall be subject to the adjusted interest rate of fixed assets loans); The interest rate of RMB loan for foreign exchange purchase quota is calculated according to the interest rate of working capital, and the interest rate of short-term equipment loan for technical transformation is calculated (calculated according to the adjusted fixed asset loan interest rate from August 1).

In 1986 and 1987, in order to improve the interest rate system, some individual interest rates were adjusted:

The loan of supply and marketing cooperatives below the county level has been adjusted from 6‰ to 6.6‰ since 1986 65438+ 10/month.

The grain loan, 1986, is a cheap grain loan, and the preferential interest rate will continue to be implemented, and it will still be paid monthly according to the interest rate of working capital loan.

The interest rate of 6.6‰ is halved, and the state's entrusted purchase is regarded as parity grain. The loan interest will be charged at the monthly interest rate of 3.3‰ from June 2 1 day.

Bargaining grain and commercial industrial grain loans still bear interest at a monthly rate of 6.6‰. Take advantage of the bank's preferential interest rate through various means.

In accordance with the misappropriation of bank loans, penalty interest will be added on the basis of the normal interest rate of 6.6‰. Yes, Agricultural Bank of China.

The People's Bank of China subsidizes the contracted grain and grain loan interest entrusted by the state at a rate of 6.6‰ per month.

Capital construction loan projects in energy, transportation, communication and some raw materials industries have been implemented since 1986.

The differential interest rate is divided into three grades according to the term: the annual interest rate for less than five years (including five years) is adjusted from 9.36% to 5.76%, and 5 years to 10 years.

(including 10 year) increased from 10.08% to 6.48% and from 10 year to 7.2%. After the differential interest rate is implemented, the loan projects such as electric power, oil exploitation, transportation and civil aviation will be subsidized at an annual interest rate of 3.6%. Loans for coal, energy-saving measures and building materials will be subsidized at an annual interest rate of 2.4%. The discount interest funds are solved by the principal and interest recovered from the "bogaidai" project of capital construction. Interest that needs to be paid beyond the specified loan period shall not be discounted. All infrastructure loan projects in coal, electric power, crude oil exploitation, energy-saving measures, railways, transportation, posts and telecommunications, civil aviation, steel, non-ferrous metals, chemicals, building materials, forestry and other industries 13, whether undertaken by China Construction Bank, Industrial and Commercial Bank of China, China Bank or other professional banks, shall be implemented in this way.

The interest rate of science and technology development loans shall be fixed for one year. 1986, 1 The monthly interest rate during the year is 6.6‰.

Lenders receive interest of 2. 1‰, local economic commissions or central departments discount interest of 2. 1‰, and the People's Bank discount interest of 2.4‰) 1 year.

The monthly interest for more than three years is 7.2‰ (2.4‰ for the loan unit and 2.4‰ for the local economic commission or the central department).

China People's Bank offers a 2.4‰ discount).

The export seller's credit of mechanical and electrical products is subject to preferential loan interest rate: the monthly interest rate for less than 5 years (including 5 years) is 4.5‰, 5.

The annual 10 (including 10) is 5. 1‰, and the annual 15 is 5.7‰.

Regular and convenient savings interest rate, from 1 986 March1. If the deposit term is less than 1 month, the interest will be calculated according to the actual deposit days 1.

Interest shall be calculated at current demand for a period of more than one month and less than half a year, and interest shall be calculated at a fixed annual interest rate of nine for savings deposits with less than half a year 1 year.

Discounted, the annual interest rate of savings deposits with a term of 1 year or above is 10%.

In order to cooperate with the reform of the labor system, the contract workers in state-owned enterprises will retire from 1986 10+00.

Pension fund deposits shall be paid according to the interest rate of individual savings deposits of urban and rural residents, and if the deposit period is less than 3 years, it shall be paid according to the actual deposit period.

Interest, if it exceeds 3 years, shall be calculated at the regular 3-year savings rate. Deposits in the employee unemployment insurance fund shall bear interest according to the interest rate of the corresponding term of enterprise demand deposits and unit time deposits. Social insurance institutions shall temporarily bear interest on the retirement pension fund deposits of fixed employees of enterprises owned by the whole people according to the enterprise time deposit rate, that is, 3.6‰ for half a year, 1 4.2‰ for a year, 2.

The annual period is 4.8‰ and the three-year period is 5.4‰. Development loans in special economic zones and economic and technological development zones are subject to differential interest rates and interest discounts, ranging from 1986 12 2 1. The annual interest rate of loans for less than five years is adjusted from 9.36% to 5.88%; The annual interest rate of loans over five years is adjusted from 10.8% to 7.32%. The bank will reduce the annual interest rate of each lending unit by 3%, and the reduced part will be subsidized by the central government.

1987' s technology development loan is still discounted. Technical development loan projects subsidized by local economic commissions,

The bank that opens an account receives a discount from the People's Bank at a monthly interest rate of 2.4‰, and the rest directly receives interest from the borrower on a quarterly basis.

The borrower holds the interest list issued by the bank and applies for interest subsidies and subsidies to the local Municipal Economic Commission at the end of each year.

The standard is the monthly interest rate of 2. 1‰. However, the People's Bank of China has not recovered the expired technology development loan, and has reissued the loan.

Banks no longer subsidize interest.

From June 265438 to June 2 1 day, 1 adjusted the corporate time deposit interest rate, and 1 month interest rate was adjusted from 3.6‰ to 4.2‰.

The two-year period is adjusted from 4.2‰ to 4.8‰ and the three-year period is adjusted from 4.8‰ to 5.4‰. At the same time, it will increase the grade for half a year, with a monthly interest rate of 3.

.6‰; We will adjust the interest rate of special discount loans issued by the People's Bank of China to the Agricultural Bank to support poor areas from 5.4‰ per month to 5.4‰ per month.

Down to 3.9‰, the Agricultural Bank of China issued this loan and continued to implement the monthly interest rate of 6. 1‰, of which the central government subsidized it.

4‰, and the borrower is charged 2. 1‰.

From September 265438 to September 2 1, 1987, loans to ethnic minority trade and ethnic goods production enterprises continued to be given preferential treatment.

Rate, the monthly interest rate is 4.2‰, which is 2.4‰ better than the working capital loan interest rate, and its monthly interest rate is between 4.2 ‰ and 6.6 ‰.

Poor, 70% is used to supplement the enterprise's own liquidity, and the difference between the monthly interest rate of 4.2‰ and 5. 1‰ is made up by finance and silver.

* * * share the burden, of which 62% shall be borne by the central finance.

In order to alleviate the tight situation of highway transportation and realize the unified deployment of compulsory renewal vehicles nationwide, since 1987 12,

From June 2 1 day, the state-owned specialized highway transportation enterprises renew their car loans, and interest will be calculated at the annual interest rate regardless of the duration.

Interest is charged at 7.92%.

From 0988, 65438+65438+ 10 +0, the deposit interest rate of party membership fees will be restored and the deposit interest rate of enterprises will be implemented. Resume on June 2 1 day.

Calculate the interest on the tour fee deposit and implement the enterprise deposit interest rate; The interest rate of foundation deposits belongs to social welfare and scientific research awards.

Quality, the implementation of the same level of savings deposit interest rates, other properties are still the implementation of enterprises and institutions deposit interest rates.

During the rectification, the bank deposit and loan interest rates are 1 988 September 1 and1989 February1respectively, from several aspects.

There were two major adjustments, and the interest rate level rose to the second peak since the founding of the People's Republic of China.

First, according to the situation of rising prices, increase the deposit interest rate, and compare the deposit interest rate of enterprises and institutions with the urban deposit interest rate.

Adjust the interest rate of individual savings deposits of rural residents, stabilize deposits, and reduce the inflation rate of deposit units and individuals.

Loss. See Table 4-22 for details.

If you have two jobs for less than half a year, the interest will be calculated according to the deposit rate, and if you have more than half a year, the same grade will be calculated according to the lump sum deposit and withdrawal.

The interest rate is 10%. Savings deposits handled by postal departments are also implemented in accordance with the above provisions. Notice deposit and agreed deposit interest

Rate, also make corresponding adjustments. Interest rates of various fund deposits and various insurance deposits of the original executing units and individuals.

Paragraph, in accordance with the adjusted interest rate. During this period, it is applicable to urban and rural residents for three years from1September 1988 10.

The above-mentioned fixed-term savings deposits (lump sum deposit and withdrawal, interest-bearing deposits and overseas Chinese RMB savings deposits) shall be subsidized.

The beneficiary rate of depositors' value-added savings is the savings rate set by the head office of the People's Bank of China with reference to the National Bureau of Statistics plus zero.

The average value-added rate of the sales price index is calculated quarterly (the formula for calculating the subsidy rate of value-added savings deposits is 100 yuan deposits)

Annual subsidy rate = [(the price index of deposit in maturity season is-1)× 100]-[ deposit interest rate×100× deposit period]

÷ 100)。 The subsidy rate of value-preserving savings follows the price fluctuation (the subsidy rate announced by the head office of China People's Bank is the fourth in 1988).

Quarterly is 7.28%; In 1989,1October 16. 13%, February and March 12.7 1%, 2nd quarter 12.59%.

13.64% in the first quarter and 8.36% in the fourth quarter. ), when the price index drops to the 3-year, 5-year and 8-year time deposit rules.

When the interest rate is lower than the fixed interest rate, the interest is still calculated according to the savings deposit rate of the same grade.

Subsequently, from June 1989 to June 1, new deposits were made by individual residents, enterprises and institutions for three months.

Grade, the monthly interest rate is 6.3‰.

The second is to increase the loan interest rate accordingly, adjust the preferential interest rate and differential interest rate, and curb excessive capital demand. detailed

See Table 4-23.

The interest rate of fixed assets loans arranged in the province has also been adjusted since 1 September 9881:the funds are raised in the province.

The arranged fixed assets investment loan shall be implemented according to the annual interest rate of fixed assets loan of 9% to 16.2%; Using provinces

The key construction of energy and transportation is divided into funds, provincial coal development funds, provincial rural electric power development funds and local electric power construction bases.

The interest rates of fixed assets investment loans arranged by Jin increased according to different periods, and after five years, the annual interest rate dropped to 7.92%, 5.

The annual interest rate is adjusted to 8.64% from the year above 10 and 9.36% from the year above 10.

The adjustment of preferential interest rate and differential interest rate mainly includes:

Affordable grain and oil loans, including grain pre-deposit loans, have been adjusted from 3.96% annually since 1 September 19881.

9%, the same as the agreed grain and oil loan interest rate. From 1989, February 1, it was changed to grain and oil loans with equal bargaining.

Approved mixed interest rate, according to the annual interest rate 10.08%; Loans for purchasing cotton and loans for storing and processing cotton.

According to the annual interest rate 10.08%; The down payment loan for grain pre-purchase is adjusted from 9% to 1 1.34% per year.

The preferential interest rates of various commercial loans shall not be stipulated separately from 1 September 9881. After unified adjustment,

Interest rate of working capital loan; The preferential interest rate of other working capital loans is raised correspondingly on the basis of the original annual interest rate.

65438+ is 0.08 percentage points higher.

The loan interest rate for purchasing foreign trade export products was adjusted from 7.92% to 9% on September 0 1988. 1Feb. 989

1 is changed to determine the mixed interest rate with the loan of imported products, and the annual interest rate is 10.44%. From June 2 1 of the same year,

The interest rate of export product purchase loans, foreign trade import loans, processing enterprise loans and other loans will be changed to 9%.

Payment shall be made at the annual interest rate of 1 1.34%.

13 interest rate of capital construction loan projects in energy, transportation, communication and some raw materials industries, since

From September 1988 to September 1, they all increased by 2. 16 percentage points on the original basis, that is, within 5 years (including 5 years).

The interest rate will be adjusted from 5.76% to 7.92%, from 6.48% to 8.64% after 5 years to 10 (inclusive), and from 7.2% after 10.

Adjusted to 9.36%. From 1 February, 9891in three grades, it will be lowered at the normal fixed asset loan interest rate 10 ~ 30%;

The first file is agriculture, coal, oil exploitation, energy-saving measures, ports, salt industry and reeducation through labor, down by 30%.

1 3 years is 9%, 3-5 years is 10.08%, and 5 years is13.68%; second gear

Electric power, transportation, railways, posts and telecommunications, civil aviation, vehicle and boat procurement, building materials, forestry, steel, non-ferrous metals.

Independent mining projects in both industries are lowered by 20%, 1 to 3 years 10.26%, and 3 to 5 years.

1 1.52%, and15.42% for more than 5 years to 10 years; The third gear is steel, non-ferrous metals and chemical industry, which is down 10%.

11.52% for three years, 12.96% for three to five years and 17.46% for five years. each

The loan interest rate of 10 years or above is calculated according to the compound interest of 1 year loan interest rate, and then it is lowered according to the same grade 100.

The score is confirmed.

Interest rates for loans in poor areas and industrial loans in poor counties issued by the People's Bank of China 1 988 September1

The annual interest rate is adjusted from 3.6% to 4.68%, and from 1 989 February1to 7.02%.

The loan interest rate of ethnic minority trade and ethnic product production enterprises was adjusted from the annual interest rate of 5.04% on September 1988+0 to.

It is 6. 12%, and the bank charges interest to the enterprise at an annual rate of 7.2%; 1 989 February1then adjusted to 8.46%, silver

Interest is charged to the enterprise at the rate of 1 1.34%.

Loans from welfare factories run by civil affairs departments will be lowered according to the adjusted interest rate of working capital loans. 1 September 9881.

The interest is calculated at the annual interest rate of 7.2% from the date of the month and 9.54% from the date of the month 1989.

After 1987, the gold equipment loans provided by the People's Bank of China, starting from 1 988 September1,are based on the original interest rates of various grades.

On this basis, it is increased by 65438 0.08 percentage points, that is, from 5.04%, 5.76% and 6.48% to 6.65438 0.02% and 6.

.84%、7.56%; From February 1989 to February 1, it increased by 2.34 percentage points, reaching 8.46% and 9. 18% respectively.

9.90%。 The loan interest rate for local economic development and the RMB loan interest rate for foreign exchange purchase quota are based on the adjusted fixed capital.

Implement production loan interest rate or working capital loan interest rate.

1990, in order to invigorate production and circulation and ensure economic and social stability, deposits and loans were lowered twice.

Interest rate.

Deposit interest rate: the interest rate of time deposits of all grades will be lowered by10.26 percentage points from April of 2005, and will be paid on August 2 1 day.

The deposit interest rate was lowered by 0.72 percentage points, and the time deposit interest rate was lowered by 1.74 percentage points on average.

13 bank loans for capital construction of industry, agriculture and salt industry were adjusted to adjustment when the interest rate was adjusted on March 2 1 day.

Down on the basis of interest rate 10%, 20%, 30%. August 2 1 When adjusting the interest rate, specify the first gear as 1.

7.56% for more than 3 years, 8. 10% for more than 3 years and 8.64% for more than 5 years; The second gear is 1 year to 3 years.

8.64%, 3 to 5 years, 9.36%, 5 years and 9.54%; The third file is 1 year or more to 3 years, 9.72%, 3 years.

More than five years 10.44%, more than five years 10.80%.