Interest rates of large deposit certificates of Bank of Beijing and Ping An Bank in 2022:
1, deposit 56%, Ping An Bank1.672%;
2. The shelf life is 6 months: line1.976%;
3. The deposit term is 1 year: Bank of Beijing 2.2528%;
4. The shelf life is 2 years: North192%;
5. The deposit term is 3 years: 4.00% for Bank of Beijing and 4. 18% for Ping An Bank.
Interest rates have increased, but quotas are limited.
Since the beginning of this year, the overall circulation of certificates of deposit has been decreasing, and the interest rate has continued to fall, with the annual interest rate exceeding 4%.
Recently, I visited a number of banks, and many banks recently started to raise the interest rate of three-year certificates of deposit, but the increase rate was not large. After floating, the highest interest rate can reach 3.95%, which is only 0. 1 percentage point higher than the previous 3.85%. However, the final interest rate of large deposit certificates issued by the most competitive city commercial banks is 4%.
Please note that 1 year or 2-year certificates of deposit either have the same interest rate or have their sales suspended. Therefore, 3-year deposit products, but the amount is limited, need to make an appointment in advance.
It is understood that the interest rates of large deposit certificates issued by different types of banks vary greatly. At present, the interest rate of 200,000 yuan 1 year certificates of deposit issued by banks is 28%; The interest rate of RMB 200,000 certificate of deposit for the biennium is basically maintained at 2.94% to 3. 15.
2. What is the latest interest rate of Bank of Beijing certificates of deposit in 2023?
The latest interest rate is 3. 15%, and the large deposit certificate of Bank of Beijing needs 200,000 deposits, with a term of 5 years. If you have more assets in hand, you can consider allocating 20% to 40% of idle funds as certificates of deposit.
3. What's the latest RMB deposit interest rate of Bank of Beijing?
Spread out completely
The general interest rate refers to the interest rate that does not enjoy any preferential conditions. Preferential interest rate refers to the preferential interest rate policy formulated for certain departments, industries and individuals.
According to different bank requirements, it is divided into deposit interest rate and loan interest rate.
The deposit interest rate refers to the ratio of the interest earned on deposits in financial institutions to the principal. The loan interest rate refers to the ratio of interest to principal of loans made by financial institutions.
According to the supply and demand relationship with the market interest rate, it is divided into fixed interest rate and floating interest rate.
According to the changing relationship between interest rates, it can be divided into benchmark interest rate and arbitrage interest rate.
The benchmark interest rate is an interest rate that plays a decisive role in the coexistence of multiple interest rates. China is the interest rate at which the People's Bank of China lends money to commercial banks.
Ordinary residents generally adopt the method of lump sum deposit and lump sum withdrawal. Take the calculation of lump-sum deposit and withdrawal interest rate as an example.
The balance of lump-sum deposit and lump-sum withdrawal is increasing day by day, so interest cannot be simply calculated by lump-sum deposit and lump-sum withdrawal, and only simple interest annuity can be used. The formula is as follows:
SN = A（ 1R）A（ 12R）？ a（ 1NR）
= na 1/2N（n 1）AR
Among them, A represents the principal deposited in each period, SN is the sum of the principal and interest after N periods, and SN can also be called the final value of simple interest annuity. In the above formula, NA is the total amount of principal saved, and1/2n (n101) ar is the total amount of interest earned.
Usually deposit once a month, and the deposit amount is the same every time. Therefore, for convenience, we can change the deposit term to a constant, as shown below:
If the shelf life is 1 year, then d =1/2n (n ten1) =1/2 ×12) = 78.
Similarly, if the storage period is 2 years, the constant can be calculated as D=300 by the above formula, and if the storage period is 3 years, the constant is D=666.
In this way, there is:1/2n (n1kloc-0/) ar = Dar, that is, zero deposit and lump sum interest.
For example, your monthly deposit is 1000 yuan. The term of deposit is 1 year, and the monthly interest rate of deposit is 1.425 ‰ (one-year lump-sum deposit and lump-sum withdrawal from October 29th, 2004 is the current monthly interest rate), so the annual interest at maturity is1000× 78×1.
Another example is the depositor's overdue withdrawal. Then, according to the current interest rate, calculate the interest of the overdue days of the due balance.
There is another method to calculate interest in lump sum deposit and withdrawal, that is, the fixed interest rate method.
The so-called fixed interest method is to use the product method to calculate the interest of each yuan into a fixed interest, and then multiply the fixed interest of each yuan by the balance due to get the interest amount.
Fixed interest per yuan =1/2n (n1) NAR ÷ Na =1/2 (n101) r
If, at present, the monthly interest in one-year installments is 1.425‰. Then, we can calculate the fixed interest per yuan as follows:1/2× (121)×1.425 ‰ = 0.0092625.
Your monthly deposit is 1000 yuan, and the balance due is:1000×12 =12000 yuan.
Then the interest is:12000× 0.0092625 =11.15 (yuan).
After deducting 20% interest tax of 22.23 yuan, the actual interest can be 88.92 yuan. (Note: Interest generated after June 65438+10/October 9, 2008 is not subject to interest tax. )
Four. Bank of Beijing time deposit interest rate table in 2023
Bank time deposit interest rate table in 2023
Affected by the policy, the deposit interest rates of banks have all declined. Taking Jianye as an example, the deposit interest rate of urban and rural residents is 0.25%, and the three-month, six-month, one-year, two-year, three-year and five-year interest rates are 1.25%, 1.45%, 1.65% and 2./kl respectively.
Three-year deposit rates of six state-owned banks in China:
1, ICBC: the three-year fixed interest rate is 3.57%;
2. Agricultural Bank of China: the fixed interest rate for three-year deposits is 3.65%;
3. China Construction Bank: the three-year fixed interest rate is 3.81%;
4. Bank of China: the fixed interest rate for three-year deposits is 3.67%;
5. Postal Bank of China: the three-year fixed interest rate is 3.84%;
6. China Bank of Communications: The fixed interest rate for three-year deposits is 3.5 1%.
Three-year deposit rates of six state-owned banks in China:
1, ICBC: the three-year fixed interest rate is 3.57%;
2. Agricultural Bank of China: the fixed interest rate for three-year deposits is 3.65%;
3. China Construction Bank: the three-year fixed interest rate is 3.81%;
4. Bank of China: the fixed interest rate for three-year deposits is 3.67%;
5. Postal Bank of China: the three-year fixed interest rate is 3.84%;
6. China Bank of Communications: The fixed interest rate for three-year deposits is 3.5 1%.