There are benefits. If there is no fixed term, there is only current interest. At present, the annual interest rate is 0.36%, which is converted into daily interest rate. \x0d\\x0d\ Calculate the interest cumulatively according to the time of each deposit. \ x0d \ x0d \ daily interest rate = 0.36% ÷ 360 = 0.00 1% \ x0d \ interest = principal× interest rate× term \ x0d \ x0d \ suppose the principal is1ten thousand yuan. \ x0d \ x0d \ One-day interest =10000× 0.001%= 0.1yuan \ x0d \ x0d \ Current interest is settled quarterly, and once around the 20th of the last month of each quarter, so it is flat \ x0d.