The minimum deposit balance refers to the low-interest or interest-free deposits deposited by enterprises in banks. Bank loans to enterprises are often attached conditions, and the minimum deposit balance generally accounts for 2%-5% of the loan amount. The minimum deposit balance does not calculate interest, which increases the actual interest that banks get from revolving loans.
The average daily deposit balance refers to the sum of the average daily deposit balance of the same account divided by the number of days in the statistical period, that is, the average daily deposit balance in the statistical period. For example, add up the daily balance of one year and divide it by 365.
The balance of savings deposits is the total amount of deposits.
Residents' savings balance refers to the total deposits of individual residents in the bank.
The balance of bank savings refers to the amount of deposits of individual residents and enterprises in the bank.
The balance of savings deposits refers to the total amount of local (RMB) and foreign currency savings deposits of urban and rural residents in banks and other financial institutions at a certain time. It includes both RMB savings deposits of urban and rural residents and their various foreign currency savings deposits. It includes both urban residents and rural residents, which is a large-scale concept.
I understand that the balance of residents' savings deposits refers to the total amount of local (RMB) foreign currency savings deposits of urban residents in banks and other financial institutions at a certain time.
The balance of savings deposits in commercial banks refers to the total amount of local (RMB) and foreign currency savings deposits of urban and rural residents in commercial banks at a certain time.
The balance of savings deposits does not include the balance of RMB deposit accounts opened by individual residents at the bank counter of financial institutions and companies.
Extended data
The difference between RMB deposit balance and resident savings deposit balance;
The difference between RMB deposit balance and resident savings deposit balance is that RMB deposit balance refers to the sum of RMB deposits of banks and other financial institutions in a certain period of time, including savings and corporate demand deposits, time deposits, interbank deposits and deposits with the central bank. ?
Residents' savings deposits include urban residents' savings deposits and farmers' personal savings deposits, which refer to the hours that urban and rural residents deposit in banks and rural credit cooperatives, such as the amount at the end of the month, the end of the season or the end of the year.
The difference between them is a scope concept: the balance of RMB deposits is a scope concept, while the balance of residents' savings deposits is a scope concept.
RMB deposit balance cannot be a "general account". First of all, the composition, interest and average data of deposit balance should be disclosed. It is necessary to disclose not only the specific balances of personal deposits, corporate deposits and financial deposits, but also the average deposits per capita, unit deposits and financial accounts.
References:
Baidu Encyclopedia-RMB deposit balance
References:
Baidu encyclopedia-deposit balance