1. The one-year deposit interest rate of China Bank is 3.3%, which is higher than the benchmark interest rate 10%.

The interest rate of time deposits with a term of more than one year is consistent with the benchmark interest rate of the central bank. Two, according to whether the interest rate level changes during the monetary fund lending relationship, interest rates can be divided into fixed interest rates and floating interest rates. Floating interest rate refers to the interest rate that is adjusted accordingly with the change of price or other factors during the loan period. Lenders and borrowers can agree that the interest rate can be adjusted with the price or other market interest rates when signing the loan agreement. Floating interest rate can avoid some disadvantages of fixed interest rate, but the calculation basis is diverse and the procedures are complicated. China's medium-and long-term savings deposit subsidy method is a form of floating interest rate system. Interest rates can be adjusted at any time according to changes in market interest rates. Common basic interest rate plus calculation. Usually, the loan interest rate or commercial paper interest rate of the most reputable enterprises in the market is set as the basic interest rate, and on this basis, 0.5 to 2 percentage points are added as the floating interest rate. Repay the principal at face value at maturity, and pay interest at floating rate according to the specified interest payment period. 2. What is the maximum floating ratio of the benchmark loan interest rate?

1. The one-year deposit interest rate of China Bank is 3.3%, which is higher than the benchmark interest rate 10%. The interest rate of time deposits with a term of more than one year is consistent with the benchmark interest rate of the central bank.

Two, according to whether the relationship between monetary funds and loans changes, interest rates can be divided into fixed interest rates.

Floating interest rate refers to the change of interest rate with the change of price or other factors during the loan period. When signing a loan agreement, it can be agreed that the interest rate will rise with the price or other market interest rates, which can avoid some disadvantages of fixed interest rates, but the calculation basis is diverse and the procedures are complicated.

China's medium-and long-term savings deposit subsidy method is a form of floating interest rate system.

Interest rates are based on the market. Common basic interest rate plus calculation. Usually, the loan interest rate or commercial paper interest rate of the most reputable enterprises in the market is set as the basic interest rate, and the floating interest rate is set on this basis. Repay the principal at face value at maturity, and pay interest at floating rate according to the specified interest payment period.

3. Is the general bank loan floating on the benchmark interest rate?

The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. Under the current policy, the first suite is generally calculated according to the benchmark interest rate floating 10%. After adjustment on July 7th, the interest rate over five years is 7.05%, and the monthly interest rate is 7.05%.

As for the general loan, it will be higher. According to different situations, the benchmark interest rate rises by 30-60%, the mortgage guarantee is slightly lower, and the credit loan interest rate is higher.

4. What is the maximum fluctuation range of loan interest rate of credit cooperatives?

Medium-and long-term loans for one to three years (inclusive) 6.65% For three to five years (inclusive) 6 The latest benchmark interest rate for loans is 20 1 1. The annual interest rate of interest items announced on July 7th (%) 1. The interest rate of short-term loans for more than six months (inclusive) is 6.90%, and the interest rate of short-term loans for more than five years is 7.05%. The interest rate of short-term loans of credit cooperatives has risen to a certain extent on the basis of the benchmark interest rate. 59600.68668686666