The deposit interest rates of all banks are based on the benchmark deposit interest rate of the central bank and fluctuate up and down. At present, the benchmark interest rate of the central bank's time deposits is as follows: the benchmark interest rate of demand deposits is 0.35%; The benchmark interest rate of three-month time deposit is1.10%; The benchmark interest rate for half-year time deposits is1.30%; The benchmark interest rate of one-year time deposit is1.50%; The benchmark interest rate for two-year time deposits is 2.10%; The benchmark interest rate for three-year time deposits is 2.75%.
A concept
1. The benchmark interest rate is an interest rate with universal reference function in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the condition of interest rate marketization, financiers need a universally recognized benchmark interest rate level as a reference to measure financing costs, investors calculate investment returns and management's macro-control. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism.
2. Among them, the countries that take the interbank offered rate as the benchmark interest rate include London Interbank Offered Rate (Libor) in Britain, Federal Benchmark Interest Rate (FFR) in the United States, Tokyo Interbank Offered Rate (Tibor) in Japan, and Euro Interbank Offered Rate (Euribor) in the European Union. The countries with the repo rate as the benchmark interest rate are Germany (1W and 2W repo rates), France (1W repo rate) and Spain (10D repo rate).
3. In China, the deposit and loan interest rate set by the People's Bank of China for national specialized banks and other financial institutions is the benchmark interest rate. Specifically, the common people regard the one-year fixed deposit interest rate of the bank as the market benchmark interest rate index, and the bank regards the overnight lending rate as the market benchmark interest rate.
Second, the benchmark interest rate must have the following basic characteristics:
(1) marketization. Obviously, the benchmark interest rate must be determined by the relationship between market supply and demand, which not only reflects the actual market supply and demand, but also reflects the market's expectations for the future;
(2) foundation. The benchmark interest rate plays a fundamental role in the interest rate system and the price system of financial products, and has a strong correlation with the interest rates of other financial markets or the prices of financial assets.
(3) transitivity. The market signal reflected by the benchmark interest rate, or the regulatory signal sent by the central bank through the benchmark interest rate, can be effectively transmitted to other financial markets and financial product prices.
20 14 loan benchmark interest rate table
201465438+1October1-65438+1October 2 1, and the benchmark annual interest rate of the loan announced by China People's Bank is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 6%; 1-3 years (including 3 years) 6.15%; 3-5 years (including 5 years) 6.4%; More than 5 years, 6.55%;
201165438+1October 22-65438+31February, the benchmark annual interest rate of the loan announced by China People's Bank is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 5.6%; 1-3 years (including 3 years) 6%; 3-5 years (including 5 years) 6%; More than 5 years, 6. 15%.
The benchmark loan interest rate is based on the loan guidance interest rate issued by the central bank to commercial banks. It is one of the monetary policies used by the central bank to regulate social and economic activities and the operation of the financial system. We must have a detailed understanding. At the same time, we need to pay attention to the loan interest rate, which is constantly changing. You must learn to pay attention to the corresponding insurance policies. Only in this way can we better protect our own interests from losses. At the same time, it should be noted that relevant documents must be prepared when borrowing. Only in this way can we make normal payments and learn to protect our personal credit information in our lives.
1. How did the loan interest rate change?
The loan interest rate in China is managed by the People's Bank of China. Generally speaking, the bank loan interest rate will fluctuate with reference to the benchmark interest rate stipulated by the People's Bank of China. If we have a loan demand, we must go to several banks to compare. Shop around to better protect your property. I hope everyone can understand this, but it should be noted that the loan interest rate is generally higher than the deposit interest rate, and the difference between them is the main source of bank profits.
2. What should I pay attention to before applying for a loan?
Before applying for a loan, you must have a correct understanding of your repayment ability, design a repayment plan according to your income level, and leave room appropriately. Only in this way can we not affect our normal life. At the same time, it should be noted that overdue behavior must be avoided in life, so that personal credit information will not be affected. Be sure to read the loan contract carefully. Only by reading the terms of the contract can we better understand our rights and obligations.
3. What effect will overdue behavior have on our life?
If we can't repay in time in our life, our personal credit inquiry at the meeting will be greatly hindered if we want to borrow again. I hope everyone can repay in time.
China people's bank benchmark interest rate
In 20021year, the benchmark interest rate of demand deposits of China People's Bank was 0.35%. Lump sum deposit and withdrawal. The benchmark interest rate for three-month lump-sum deposit and withdrawal is1.1%; Half-year benchmark interest rate1.3%; One-year benchmark interest rate1.5%; The benchmark interest rate for two years is 2.1%; The three-year benchmark interest rate is 2.75%. Deposit and withdrawal in lump sum, deposit and withdrawal in lump sum, and deposit and withdrawal with interest. The one-year benchmark interest rate is1.1%; Three-year benchmark interest rate 1.3%. Relax your life. One-time discount at the same grade interest rate within one year.
1. The benchmark deposit and loan interest rate is the loan guidance interest rate issued by the Central Bank (People's Bank of China) to commercial banks, and it is one of the monetary policies used by the Central Bank to regulate the operation of social economy and financial system. Commercial banks will formulate loan interest rate portfolios on the basis of this benchmark interest rate. Raising the benchmark interest rate means shrinking credit, reducing social mobility, raising the cost of credit and slowing down economic development. or vice versa, Dallas to the auditorium
2. According to official website of China People's Bank, 2065 438+05- 10/24 October, the current interest rate of RMB is adjusted as follows: 4.35% within one year (including one year), 4.75% for one to five years (including five years) and 4.90% for more than five years.
On August 25th, 20 15, the People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 2015, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. At the same time, the floating upper limit of interest rates for time deposits of more than one year (excluding one year) will be liberalized, while the floating upper limit of interest rates for demand deposits and time deposits of less than one year will remain unchanged.
Four. From 2065438 to September 6, 2005, the RMB deposit reserve ratio of financial institutions will be lowered by 0.5 percentage point, so as to keep liquidity in the banking system reasonably abundant and guide the steady and moderate growth of money and credit. At the same time, in order to further enhance the ability of financial institutions to support "agriculture, rural areas and farmers" and small and micro enterprises, the reserve ratio of rural financial institutions such as county-level rural commercial banks, rural cooperative banks, rural credit cooperatives and village banks was lowered by 0.5 percentage points. Reduce the reserve ratio of financial leasing companies and auto financing companies by 3 percentage points and encourage them to play a good role in expanding consumption.
5.2065438+On February 28th, 2005, the People's Bank of China announced that the benchmark interest rates for RMB loans and deposits of financial institutions would be lowered from March 28th, 2065438. The central bank decided to cut the benchmark interest rate for one-year loans of financial institutions by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions is adjusted from 1.2 times of the benchmark deposit interest rate to 1.3 times; The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.
What is the benchmark interest rate for loans now?
At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.
The promulgation of the benchmark interest rates for deposits and loans of the People's Bank of China and the benchmark interest rates for deposits and loans of the People's Bank of China 20 17 has come to an end. I wonder if you found the information you need from it?