How to calculate the daily average deposit increment;
It can be divided into stock assessment and incremental assessment. The minimum unit of measurement for stock evaluation is ten days, and the deposit time of each deposit has passed at least one minimum measurement day. Those who save a minimum assessment measurement day will be rewarded according to a certain proportion. If the deposit has passed the minimum evaluation and measurement date and there is still a balance at the end of the month, it will be rewarded according to a certain proportion. By analogy, if there are multiple minimum assessment measurement days, and there are still balances on the month-end assessment day and the year-end assessment day, the relative proportion is high. Incremental evaluation is based on the number of transactions, the amount and the minimum evaluation unit.
Deposit:
Deposit refers to the depositor's temporary transfer or deposit of funds or currency in banks or other financial institutions, or the temporary transfer of the right to use funds or currency to banks or other financial institutions. It is the most basic and important financial behavior or activity and the most important source of credit funds for banks.
Deposit type:
1, 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.
2. Demand deposit
It refers to a kind of bank deposit that depositors can access and transfer money at any time without prior notice. Its forms include checking account, certified check, promissory note, traveler's check and letter of credit.
3. Notice deposit
Call deposit is a kind of deposit with no agreed term, and can only be withdrawn after notifying the bank in advance and agreeing on the date and amount of withdrawal.
Loan:
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.