1, interest = principal × interest rate× time.
2. Interest rates generally have three forms: annual interest rate, monthly interest rate and daily interest rate. Conversion formula of bank deposit and loan interest rate: daily interest rate (%) = annual interest rate (%) +360 (days); Monthly interest rate (%) = annual interest rate (%)+12 (month) When depositors and lenders specify that the interest rate is annual interest rate/monthly interest rate/daily interest rate, they can substitute the principal, interest rate and time value into the interest calculation formula.
3. Depositors and lenders can also calculate interest by shrinking or expanding year-on-year.
4. If the loan or deposit principal is not an integer, you can use the loan or deposit principal plus the penalty interest 10000 yuan and multiply it by 2% yuan to get the actual interest.
1. Interest rate refers to the ratio of interest amount to borrowed funds (principal) in a certain period. Interest rate is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. To study the financial environment, we must pay attention to the current situation and changing trend of interest rates.
2. Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal.
3. Interest rate is one of the important basic economic factors. Interest rate is an important tool to adjust monetary policy, and it is also used to control investment, inflation and unemployment rate, thus affecting economic growth. Reasonable interest rate is of great significance to social credit and economic leverage of interest rate. During the depression, lower interest rates, expand money supply and stimulate economic development. In the period of inflation, we should raise interest rates, reduce the money supply and curb the vicious development of the economy. So the interest rate has a great influence on our life.