Or interest = principal × interest rate× time

Deposit interest = principal x days x listing interest (daily interest rate) = interest-bearing days x daily interest rate

Interest tax = deposit interest (income tax payable) × applicable tax rate

The amount of interest depends on three factors: principal, deposit period and interest rate level.

The calculation formula of interest is: interest = principal x interest rate x deposit term.

According to People's Republic of China (PRC) State Taxation Administration of The People's Republic of China Guoshuihan [2008] No.826, since June 9, 2008, personal income tax on savings deposit interest is temporarily exempted, so the interest tax on savings deposit interest is temporarily exempted at present.

Extended data:

Risk control:

Risk refers to the possibility that the decision can't reach the expected goal due to the uncertainty of the future situation. When making an investment decision or financing decision, if there is only one result, there is no uncertainty, and it can be considered that this decision is risk-free.

But if this decision has many possible results, the actual results may deviate from the expected goals, so there are risks. Moreover, the greater the deviation, the greater the risk of decision making.

Enterprises' financial decisions often face various risks. Risks can be classified from the perspective of enterprise operation and financial management, and can be divided into two categories: operational risk and financial risk.

Operational risk:

External factors of enterprises refer to the changes of international and domestic macroeconomic situation and economic environment in which enterprises are located, the changes of market supply and demand and prices, and the adjustment of national fiscal and taxation policies, financial policies and industrial policies.

The internal reasons of an enterprise refer to the changes in the quality of managers and the comprehensive quality of all employees, the changing trend of product image and market share, the leading degree of technology, the level of technology and equipment, the level of quality management and cost control measures, and the ability of an enterprise to cope with emergencies.

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