The annual interest rate of each bank is different. As far as the four major state-owned banks are concerned:
1, Agricultural Bank. Current interest rate: 0.3%. Term (one-time deposit and withdrawal): three months 1.35%, six months 1.55%, one year 1.75%, two years 2.25%, three years 2.75% and five years 2.75%. The three-year interest rate 1.55% and the five-year interest rate 1.55%. At present, the deposit interest rate of ABC is only 0.3%. If the current deposit of ABC is 10000 yuan, the interest income after one year is: interest = principal * interest rate * maturity = 10000 * 0.3% = 30 yuan.
2. Bank of China. The unified deposit and withdrawal interest rate of China Bank is 50 yuan. 2.75% for three years, 2.25% for two years, 1-year 1.75%, 6-month 1.55% and 3-month 1.35%. Except for the three-year interest rate below 0.5%, other forward interest rates are consistent with those of ABC.
3. China Construction Bank. The maximum annual interest rate of one-time deposit and withdrawal is 2.75%, which is the same as that of China Bank.
4. China Industrial and Commercial Bank. One-time deposit and fixed deposit: 65,438+00,000 yuan; Down payment: 3 months, annual interest rate1.60%; 6-month term, annual interest rate1.80%; 1 year, with an annual interest rate of 2.0%; 2 years, with an annual interest rate of 2.60%; 50,000 yuan down payment: 3 years, with an annual interest rate of 3.25%. Depositary Receipt: 200,000 subscriptions: one month, with annual interest rate of 65,438+0.70%; Three-month term, annual interest rate1.70%; 6-month term, annual interest rate1.90%; 1 year, with an annual interest rate of 2.10%; 250,000 subscription: the annual interest rate is 2.70% within 2 years; Subscription of 300,000 yuan: 3-year annual interest rate of 3.35%.
What is the annual interest rate？
The annual interest rate refers to the interest rate of one-year deposits. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit or loan principal in a certain period of time. Generally 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.
What are the factors that affect the annual interest rate?
Generally speaking, when the central bank increases the money supply, the total supply in loanable funds increases, the supply exceeds demand, and the natural interest rate decreases accordingly; On the contrary, the central bank implements restrictive monetary policy to reduce the money supply. Loanable funds's supply is insufficient, and interest rates increase accordingly. 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 has declined, and the demand for loans from industrial and commercial enterprises has increased.