For example, if the principal is 10000 yuan and the monthly income is 1000 yuan, the monthly rate of return is =1000/1000 *100% =10%.

1. Definition: Income refers to the ratio of interest amount to loan amount (principal) in a certain period. _ Find out the ratio of the interest amount due in each period to the par value in the total principal of the company. The total interest of the lent or borrowed amount depends on the total principal, income, compound interest frequency and the length of time of lending, deposit or borrowing. Income is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. Income is usually calculated as a percentage of one-year interest to principal.

Second, the role: income is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. In the study of financial environment, we must pay attention to the present situation and changing trend of income.

Third, for example:

The monthly interest rates announced by banks are basically expressed one year later. For example, the three-month annualized deposit income is 2.6% (banks are listed). In fact, the actual current rate of return is only 0.65%, the annual income is generally% (percentage), and the monthly income is generally expressed as ‰ (one thousandth); The daily income is expressed as a few tenths of the principal, and the daily interest is usually called a few cents. If the daily interest rate is 1%, that is, the principal is 1 yuan, and the daily interest rate is 0.005438+0 yuan. (1% =0.00 1 yuan, 10 cents =0.000 1 yuan)

Calculation formula: daily income _ annual income ÷360= monthly income ÷30. The relationship between annual income and monthly income: monthly income = annual income/12, annual income = monthly income * 12. For example, the annual income is 7.05%, which translates into monthly income of 7.05%/ 12=5.875‰ (generally, the income of banks in mortgage contracts is expressed by monthly income).

4. Form of expression: refers to the ratio of interest amount to total borrowed capital in a certain period. _ Find a way to change sugar to determine the interest rate and indicate the interest rate. Economists have been trying to find a set of theories that can fully explain the income structure and its changes. Earnings are usually controlled by the country's central bank and managed by the US Federal Reserve. So far, all countries regard income as one of the important tools of macro-control. Monthly income refers to interest calculated on a monthly basis. The monthly income is expressed as a few thousandths of the principal.