2. Take one-year term as an example, the deposit interest rate is 4. 14%, and 5% interest tax is also paid; The loan interest rate is 7.47%, which is the standard implemented by commercial banks after the interest rate adjustment on June 65438+February 2, 20071day, and it is also the current interest rate standard! Specific to 200,000, you can get deposit interest and loan interest by multiplying it.
Supplementary information:
1, the degrees are different. The deposit rate is lower than the loan rate. Financial institutions absorb deposits, turn over deposit reserves, and lend them out after the reserves are sufficient, and banks earn the difference (profits and expenses) in the intermediate process;
2, the implementation is different. The deposit interest rate is set by the central bank, and every financial institution that takes deposits is the same. The central bank sets the benchmark interest rate and comprehensively evaluates the bank loan interest rate according to the credit situation of the loan. The loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite or not) and fluctuates on the basis of the benchmark interest rate.
Extended data:
First, the bank's deposit interest rate and loan interest rate are tools for the state to macro-control the economy, and the relationship between the bank's deposit interest rate and loan interest rate:
1. The loan interest rate and bank deposit interest rate change according to the national macro-control. When the currency issued by the state depreciates, the state will raise the deposit and loan interest rate and enhance the value of the currency;
2, the loan interest rate is mainly controlled by the state, which also controls the development of some enterprises, so that the economy will cool down and will not cause a hot phenomenon. Enterprises that develop too fast control it, and enterprises that develop too slowly support it. On the one hand, it can also control the flow of state funds, on the other hand, it can also prevent banks from causing a fixed amount of dormant account;
3. If the state raises the deposit interest rate, the bank loan interest rate will also rise. Similarly, when the deposit interest rate drops, the number of loans issued by banks will also increase.
Two, the loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when issuing loans. Roughly divided into three categories:
1, the lending rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
2. The deposit interest rate is the ratio of interest amount to deposit amount in a certain period. Also known as deposit interest rate. Is the standard for calculating deposit interest. There are annual interest rate, monthly interest rate and daily interest rate (also called annual interest rate, monthly interest rate and daily interest rate). The annual interest rate is expressed as a percentage of the principal, and the monthly interest rate is expressed as a percentage of the principal; The daily interest rate is expressed as a few ten thousandths of the principal.
3. China is used to saying that the interest rate is a few cents. The deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting the cost of banks. China's deposit interest rate is determined by the state according to objective economic conditions, currency circulation, supply and demand of market materials and taking into account the interests of all parties.