I received the interest settlement text message, but the money has not arrived. The possible reason is that the bank transfers money to your card. There will be a lag process. As long as you receive the text message, you can wait patiently. The money will arrive. If it doesn't arrive for a long time, you can call the bank to find out the reason.

The quarterly interest settlement method applies to deposits and loans in the working capital field of industrial and commercial enterprises (including agriculture). If the interest is calculated based on the annual interest rate, it will be settled once a year. The interest settlement date will be December 20 except for the Construction Bank infrastructure loan which is set on September 20. That is, from December 21st of the previous year to December 20th of this year, it is regarded as an interest settlement period.

Extended information:

Relevant policies on interest settlement

Since the People's Bank of China issued a new notice to the date of official implementation, it spanned June 30 and September 9 On the two old and new interest settlement dates on June 20, all banks have calculated and paid interest on June 30. Therefore, how to calculate the interest on personal current deposits starting from July 1 has become the main focus of many savers.

China Construction Bank and ICBC clearly stipulate that depositors’ personal demand deposit interest from July 1 to December 20 will be calculated and paid in one lump sum on December 21, and the settlement interest rate is the bank’s listing announcement on December 20 current savings deposit interest rate. However, reporters were unable to obtain similar explanations from other banks.

In addition, in addition to the major changes in the interest calculation and settlement methods of various deposits and loans of Shenzhen Development Bank, China Construction Bank and ICBC’s RMB loans, call deposits, agreement deposits, fixed deposits and deposits, principal deposits and interest collection, The interest calculation and settlement rules for deposit types with lump-sum withdrawals and lump-sum withdrawals are still in accordance with the current regulations.

Baidu Encyclopedia-Bank Interest Settlement