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9. What is the annual interest rate of125?
The annual interest rate is 9. 125, equivalent to 10,000 yuan, 76.042 yuan a month. The amount of interest is determined according to the borrowing (deposit) amount, borrowing (deposit) interest rate and borrowing (deposit) time. According to the calculation formula of interest: interest = loan (deposit) principal × annual interest rate× loan (deposit) time, in which the loan (deposit) term is one year, so when the loan (deposit) term is one month, the loan (deposit) term is112 years. Therefore, the annual interest rate is 9. 125, which is equivalent to one month 10000 yuan. If the formula is substituted, the interest of one month = (10000× 9.125%)/12 = 76.042.

1. The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time. Usually divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate as a percentage, and the daily interest rate as a percentage. When the economic development is in the growth stage, the investment opportunities of banks increase, the demand in loanable funds increases and the interest rate rises; On the other hand, when the economic development is sluggish and the society is in a depression period, the willingness of banks to invest is reduced, and the demand for loanable funds is naturally reduced, and the market interest rate is generally low.

2. Influencing factors of annual interest rate

1) policies of the central bank

Generally speaking, when the central bank expands the money supply, the total supply in loanable funds will increase, the supply exceeds demand, and the natural interest rate will decrease accordingly; On the contrary, the central bank implements a tight monetary policy, reducing the money supply, so that loanable funds's demand exceeds supply, and interest rates will rise accordingly.

2) Price level

Market interest rate is the sum of real interest rate and inflation rate. When the price level rises, the market interest rate also rises accordingly, otherwise the real interest rate may be negative. At the same time, due to rising prices, the public's willingness to deposit will decrease, while the loan demand of industrial and commercial enterprises will increase. The imbalance between deposit and loan caused by loan demand exceeding loan supply will inevitably lead to an increase in interest rates.

3) Stock and bond markets

If the securities market is on the rise, the market interest rate will rise; On the contrary, interest rates are relatively low.

4) International economic situation

Changes in a country's economic parameters, especially the exchange rate and interest rate, will also affect the fluctuation of interest rates in other countries. Naturally, the rise and fall of the international securities market will also bring risks to the interest rates faced by international banking business.