1. deposit interest rate: The annual interest rate of demand deposits of Hengshui Rural Commercial Bank is .525%.
2. Time deposit: lump-sum deposit and withdrawal for three months is 1.65%; Six months is 1.95%; One year is 2.25%; Two years is 3.15%; Three years is 4.125%; Five years is 4.225%. The one-year term of lump-sum deposit, lump-sum deposit and lump-sum deposit and interest withdrawal is 2.25%; The three-year period is 2.325%. Fixed-life two is to make a 6% discount on the interest rate of the same grade at regular lump-sum deposit and withdrawal within one year.
deposit interest rate is the standard for calculating deposit interest. Refers to the ratio of the amount of interest to the amount of deposit in a certain period, also known as the deposit interest rate.
deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor that affects the cost of banks. The deposit interest rate in China is determined by the state according to the objective economic conditions, currency circulation, supply and demand of market materials, and taking into account the interests of all parties.
On October 23rd, 215, the People's Bank of China announced the interest rate cut and the RRR cut. At the same time, it was clear that the deposit interest rate ceiling would no longer be set for commercial banks and rural cooperative financial institutions. So far, the interest rate control was basically cancelled, and the interest rate marketization reform entered a new stage.
the unit of deposit interest rate is annual interest rate, monthly interest rate and daily interest rate (also called annual interest rate, monthly interest rate and daily interest rate). The annual interest rate is expressed as a percentage of the principal, and the monthly interest rate is expressed as a percentage of the principal; The daily interest rate is expressed as a few ten thousandths of the principal. China used to call the interest rate a few cents.
on June 21st, 221, some banks will lower the interest rates of two-year and three-year certificates of deposit products according to the requirements of interest rate management.
interest tax began in 195. the regulations on interest income tax promulgated in that year stipulated that 1% (later reduced to 5%) income tax was levied on deposit interest. interest tax was stopped in 1959 and resumed on November 1, 1999.
no individual income tax will be levied on the interest income generated by savings deposits before November 1, 1999;
individual income tax shall be levied at the rate of 2% on the interest income generated from savings deposits from November 1, 1999 to August 14, 27;
individual income tax shall be levied at the rate of 5% on the interest income generated from savings deposits from August 15, 27 to October 8, 28.
individual income tax will be suspended for the interest income generated by savings deposits after October 9, 28 (inclusive).
the interest of personal demand deposits will be settled once on 2th of the last month of each quarter, and personal income tax will be levied according to the proportional tax rate of 5% for the interest income generated before October 9th, 28.