three months 1.4

half a year 1.65

one year 1.95

two years 2.5

three years 3.25

five years 3.25

2. lump sum deposit and withdrawal,

1.4

1.65

1.95

The latest interest rate table for large deposit certificates of Huishang Bank

The initial deposit amount is 2, yuan

1.67% in January

2.28% in one year

3.19% in two years

.

in modern economy, interest rate, as the price of capital, is not only restricted by many factors in economic society, but also has a great impact on the whole economy. Therefore, modern economists pay special attention to the relationship between various variables and the balance of the whole economy when studying the determination of interest rate. The theory of interest rate determination has also experienced the evolution and development of classical interest rate theory, Keynesian interest rate theory, loanable funds interest rate theory, IS-LM interest rate analysis and contemporary dynamic interest rate model.

Keynes regarded interest rate as

Keynes regarded interest rate as

Keynes thought that savings and investment were two interdependent variables, not two independent variables. In his theory, the money supply is controlled by the central bank and is an exogenous variable without interest rate elasticity. At this time, money demand depends on people's psychological "liquidity preference".

loanable funds's interest rate theory is the interest rate theory of neoclassical school, which was put forward to revise Keynes's "liquidity preference" interest rate theory. To some extent, loanable funds's interest rate theory can actually be regarded as a synthesis of classical interest rate theory and Keynesian theory.

Hicks, a famous British economist, and others think that the above theory does not consider the income factor, so it is impossible to determine the interest rate level, so in 1937, the IS-LM model based on the general equilibrium theory was put forward. Thus, a theory that interest rate and income are determined at the same time under the interaction of savings and investment, money supply and money demand is established.

according to this model, the determination of interest rate depends on four factors: savings supply, investment demand, money supply and money demand, and all the factors that lead to the change of savings investment and money supply and demand will affect the interest rate level. This theory is characterized by general equilibrium analysis.