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1 interest rate
Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying its consumption and lending it to the borrower. Interest rate refers to the ratio of interest amount to the amount of borrowed funds in a certain period, which is usually calculated as the percentage of one-year interest to principal.
2. Influencing factors
(1) interest rate level In the socialist market economy, interest is still a part of the average profit, so the interest rate is also determined by the average profit rate. According to the current situation of China's economic development and reform practice, this restriction can be summarized as follows: the overall level of interest rate should be compatible with the affordability of most enterprises.
2 Price changes Because prices are rigid, the changing trend is generally upward. Therefore, how to keep your currency from depreciating or how to get compensation after devaluation is a common concern.
③ Policy factors Since the establishment of 1949 People's Republic of China (PRC), China's interest rate basically belongs to the type of regulated interest rate. Interest rates are uniformly set by the State Council and managed by the People's Bank of China. The formulation and implementation of interest rate level should be influenced by policy factors. For example, from the founding of People's Republic of China (PRC) to the turbulent decade, China has long pursued a low interest rate policy to stabilize prices and stabilize the market.
(4) When the average profit rate of capital supply and demand is fixed, the change of interest rate depends on the ratio of average profit to interest and enterprise profit. And this ratio is determined by the competition between the supply and demand sides of loan capital.
3. The interest is 43,500 yuan. How much is the interest for one year?
The interest rate is 4.35%, the loan is 1 ten thousand yuan, and the annual interest is 1 ten thousand * 4.35% = 435 yuan. If the principal and interest are repaid in equal amount, the total interest is 237. 19 yuan, and the monthly payment is 853.438+00 yuan. Average capital's repayment method, the total interest is 235.63 yuan, the first monthly payment is 869.58 yuan, and then it will decrease every month, and the last monthly payment is 836.35 yuan.
4. Classification of interest rates
Simple interest means that the interest is calculated only according to the original amount during the loan period, and the interest generated by the principal is not calculated separately. Compound interest means that during the loan period, in addition to calculating the interest of the original fund, the interest generated by the principal should be included in the principal again, and the interest is calculated repeatedly, which is commonly known as "rolling interest".