202 1 USD deposit interest rate, the standards implemented by major banks are different. Take five state-owned banks as examples to introduce them in detail: 1. Bank of China: USD deposit interest rate 0.05%; The 7-day notice deposit rate is 0.05%; The interest rate is 0.3% for three months, 0.5% for six months, 0.75% for one year and 0.75% for two years. 2. China Merchants Bank: the interest rate of current US dollar deposits is 0.05%; The 7-day notice deposit rate is 0.05%; The fixed interest rate is 0. 1% for one month, 0.25% for three months, 0.5% for six months, 0.7% for one year and 0.7% for two years. 3. The same is true for Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank, as follows: the deposit interest rate is 0.05% USD; The 7-day notice deposit rate is 0.05%; The interest rate is 0.3% for three months, 0.5% for six months, 0.8% for one year and 0.8% for two years.

1. USD is the legal tender of the United States of America, and its issuer is the United States Congress.

The specific issuance of US dollars is the responsibility of the Federal Reserve Bank, and its appearance is due to the adoption of 1792 Coinage Law. After World War II, continental European countries reached an agreement with the United States to use US dollars for international payments. Since then, the dollar has been widely used as a reserve currency in countries outside the United States, and eventually became an international currency. In 1792, the US dollar formed a currency area in 13 colony. At that time, the United States was only a country with a population of 4 million. By the end of 19, it has become the most powerful country in the world. By the time the First World War broke out in 19 14, the economic aggregate of the United States was already larger than that of the other three largest countries: Britain, Germany, France, and even the sum of them, which made the status of the US dollar increasingly prominent. During World War I, gold from European countries flowed into the United States to buy war materials. The Federal Reserve Bank of the United States used these gold as legal tender, which led to inflation. From 19 14 to 1920, the price level in the United States nearly doubled. Later, the Federal Reserve Bank of the United States decided to control inflation and tried to restore the price to its original level. Then came the period of deflation, when the price level dropped from 200 to 1920 in one year, which was the biggest deflation in American history. Although the 35 years of the gold standard system is the "golden age" for the prosperity of liberal capitalism, the fixed exchange rate system has the advantages of ensuring the safety of international trade and credit, facilitating the accounting of production costs and avoiding international investment risks. To some extent, it has promoted the development of international trade and investment. However, the strict fixed exchange rate system makes it difficult for countries to implement favorable monetary policies according to their own economic development needs, which greatly restricts economic growth. During World War II, the international monetary system became more chaotic. In order to solve this chaotic situation, 1943, US Treasury official White and British Treasury consultant Keynes designed the post-war international monetary and financial system from their own interests, and put forward two different schemes, namely "White Scheme" and "Keynes Scheme".

Second, at the end of World War II, Italy had surrendered, Germany had turned to the eastern strategic defense, Japan had lost the ability to carry out large-scale battles in the Pacific region, and their domestic economy was close to collapse; The economic strength of Britain and France was also seriously damaged in the war; The situation in the Soviet Union is the same as that in Britain and France. Before the third five-year plan was completed, it was invaded by fascist Nazi Germany. Only the United States made a fortune in the war and achieved unprecedented economic development. Gold has continuously flowed into the United States. In 1945, the gross national product of the United States accounted for 60% of the gross national product of all capitalist countries, and the gold reserves of the United States increased from 1945 to145/000 million dollars to 1945, accounting for about 20.08 billion dollars. In this situation, an international monetary system centered on the US dollar was formed after World War II.

After the first US Treasury Secretary took office, the US currency adopted the "gold standard". By 19 14, the first world war broke out, because countries stopped importing and exporting gold, and the gold standard disintegrated. In the later period of the gold standard, the gold content of the US dollar was 1.50466 grams. 1934 65438+1October 3 1, and the gold content of one dollar is defined as 13.7 14 capsules (0.88867 1 g). The official price of gold rose from $20.67 to $35 an ounce. By the time 1934 dollars depreciated, the US government gradually recovered all kinds of coupons before 1922. The depreciated dollar cannot be cashed, and only foreign central banks can exchange gold for the United States at official prices.