The interest rate of dollar loans is not stipulated by the state. Each bank quotes according to its own situation.
At present, the domestic short-term US dollar loan interest rate is around 2.25%, and the central bank's interest rate policy in 2004 is promoting high operation, while the US dollar interest rate is still declining. This obvious loan spread has not narrowed recently, so the demand for foreign exchange loans by enterprises continues to rise.
At present, the RMB interest rate is higher than the US dollar, and there is pressure for RMB exchange rate to appreciate. Some domestic enterprises and individuals have reduced foreign exchange assets and RMB liabilities and increased RMB assets and foreign exchange loans according to their own conditions.
US dollar loan interest rate in 2022
According to the forecast released by the Federal Reserve Fund in February 2020, the interest rate of US dollar loans in 2022 is expected to be 0.85- 1. 10%. This level will remain unchanged from 202 1, but most of the time it will remain at 0. 15%-0.2% interest rate.
What is the bank's dollar interest rate in 2022?
In 2022, the interest rate of bank dollar deposits is as follows:
1. benchmark interest rate: after 5 years, the annual interest rates will be 1.5%, 2. 1%, 2.75% and-%;
2. Bank of China: annual interest rate 1 year 1.75%, 2.25% for 2 years, 2.75% for 3 years and 2.75% for 5 years;
3. China Construction Bank: annual interest rate 1 year 1.75%, 2.25% for 2 years, 2.75% for 3 years and 2.75% for 5 years;
4. ICBC: annual interest rate 1 year 1.75%, 2.25% for two years, 2.75% for three years and 2.75% for five years;
5. Agricultural Bank: the annual interest rate is 65438+ 1.75% in 0 years, 2.25% in 2 years, 2.75% in 3 years and 2.75% in 5 years;
6. Postal Savings Bank: annual interest rate 1 year, 1.78%, 2.25% for 2 years, 2.75% for 3 years and 2.75% for 5 years;
7. Bank of Communications: the annual interest rate is 65438+1.75% for 0 years, 2.25% for 2 years, 2.75% for 3 years and 2.75% for 5 years;
8. China Merchants Bank: annual interest rate 1 year 1.75%, 2.25% for 2 years, 2.75% for 3 years and 2.75% for 5 years;
9. Bank of Shanghai: annual interest rate 1 year 1.95%, 2.4% for 2 years, 2.75% for 3 years and 2.75% for 5 years;
10. China everbright bank: the annual interest rate is 0 years 1.95%, 2.4 years1%,3 years' 2.75% and 5 years' 3%;
1 1. Shanghai Pudong Development Bank: annual interest rate 1 year 1.95%, 2.4% in 2 years, 2.8% in 3 years and 2.8% in 5 years;
12. Ping An Bank: annual interest rate 1 year 1.95%, 2.5% for 2 years, 2.8% for 3 years and 2.8% for 5 years;
13. Bank of Ningbo: annual interest rate 1 2% per year, 2.4% in 2 years, 2.8% in 3 years and 3.25% in 5 years;
14. China citic bank: annual interest rate 1 year, 1.95%, 2.3% for two years, 2.75% for three years and 2.75% for five years;
15. Minsheng Bank: annual interest rate 1 year, 1.95%, 2.35% for 2 years, 2.8% for 3 years and 2.8% for 5 years;
16. Guangfa Bank: annual interest rate 1.95%, 2.4%, 3. 1%, 5.2%;
17. Huaxia Bank: the annual interest rate is 0 1.95%, 2.4% in 2 years, 3. 1% in 3 years and 3.2% in 5 years;
18. Industrial Bank: annual interest rate 1 year, 1.95%, 2.75% for 2 years, 3.2% for 3 years and 3.2% for 5 years;
19. Bank of Beijing: 1 year and 5-year annual interest rates are 1.95%, 2.5%, 3. 15% and 3. 15% respectively.
Overseas dollar loan interest rate
About 1.5%
The deposit and loan interest rates in the United States are relatively low, and the current interest rate can be ignored. The interest spread of American banks is very low, because Americans basically don't save money, and banks don't make money by interest spread, which is about 1.5%.
Futures and spot are completely different. Spot is actually a tradable commodity. Futures are mainly not commodities, but standardized tradable contracts with some bulk products such as cotton, soybeans and oil and financial assets such as stocks and bonds as the targets. Therefore, the subject matter can be commodities (such as gold, crude oil and agricultural products) or financial instruments.
The delivery date of futures can be one week later, one month later, three months later or even one year later.
This is the end of the latest introduction of the central bank to the US dollar loan interest rate table and the US dollar loan interest rate table. I wonder if you found the information you need from it?