1, current deposit: calculated at the annual interest rate of 0.3%, with interest of about 2,700 yuan;
2. Regular lump-sum deposit and withdrawal: calculated according to the annual interest rate of 2.75%, the interest is about 24,750 yuan;
3. Regular installment, installment withdrawal and principal and interest withdrawal: calculated at the annual interest rate of 1.56%, the interest is about 14040 yuan;
4. Fixed two stools: According to the annual interest rate 1.068%, the interest is about 96 12 yuan.
Deposit interest refers to the interest paid by the bank to depositors. The amount of deposit interest varies with the type of deposit and the length of term. The longer the deposit period, the higher the interest income of depositors; Demand deposits are the most unstable, so depositors have the lowest interest income.
Deposit type
brief introduction
Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits and fixed deposits, and according to different depositors, it can be divided into unit deposits and personal deposits (taking China as an example). Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks.
Company deposit
(1) company deposits. This is a temporary idle monetary fund generated by state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises due to the inconsistency between sales revenue and various expenditures. It also includes all kinds of special funds extracted but not used by enterprises, the most important of which is the depreciation fund of fixed assets, including profit retention. The change of enterprise deposits depends on the scale of purchase and sale of goods produced by enterprises and their operating conditions. With the expansion of production or commodity circulation, corporate deposits will increase and vice versa. With the improvement of management and the acceleration of capital turnover, corporate deposits will decrease, and vice versa. The vast majority of corporate deposits are demand deposits, and only a few are time deposits.
(2) fiscal deposits. As the national treasury, all financial revenues and expenditures must be handled through the bank (see the national treasury). Fiscal revenue and expenditure are often inconsistent in time. In the case of first receiving and then paying, temporarily unused funds form financial deposits.
(3) Capital construction deposits are deposits formed by funds used for capital construction but not yet spent.
(4) Deposits of organs, organizations and troops. It is the deposit formed by unused funds brought by the above-mentioned units from financial concentration.
⑤ Rural deposits. The deposits of collective agriculture, township enterprises and rural credit cooperatives in banks, of which rural credit cooperatives account for more than 90%.
New types of deposits are constantly emerging in the world, such as negotiable certificates of deposit, negotiable payment instruction account, telephone transfer service, automatic transfer service and money market depositors, among which negotiable certificates of deposit have also developed in China.
time deposit
It refers to the deposit that the depositor can only withdraw money on the specified date after the deposit or must notify the bank a few days before the withdrawal. The term can range from 3 months to 5 years, and it can also exceed 10 year. Generally speaking, the longer the deposit term, the higher the interest rate. In addition to the certificate of deposit, the traditional time deposit also has the form of passbook, which is also called passbook time deposit, but it takes 90 days as the basic interest-bearing date and does not bear interest after 90 days.
Time deposits have strong stability and low operating costs, and the reserve ratio held by commercial banks is correspondingly low. Therefore, the capital utilization rate of time deposits is often higher than that of demand deposits.
Time deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. Time deposits are used to settle accounts or withdraw cash from time deposit accounts. If customers need funds temporarily, they can apply for early withdrawal or partial early withdrawal.