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On June 5438+1October 9, 2008, the interest tax was suspended, so now the bank interest is tax-free. At present, most domestic banks implement the benchmark deposit interest rate 1. 1 times after interest rate reduction, so the annual interest rates of banks are not exactly the same. The specific bank deposit interest rate is subject to the local bank announcement. First know the specific bank deposit interest rate of your bank, and then use the above bank interest calculation formula to get the bank interest. The determination of interest rate depends on four factors: savings supply, investment demand, money supply and money demand. Factors that lead to changes in savings investment and money supply and demand will affect the interest rate level. The characteristic of this theory is general equilibrium analysis. Under the strict theoretical framework, this theory organically unifies the commodity market equilibrium of classical theory and the money market equilibrium of Keynes theory. Marx's interest rate determination theory considers the role of institutional factors in interest rate determination from the perspective of the source and essence of interest, and its theoretical core is that interest rate is determined by average profit rate. According to Marx, under the capitalist system, interest is a part of profit and a transformation form of surplus value. The independence of interests is of positive significance to truly show the dynamic role played by capital users in the process of reproduction.
In modern economy, interest rate, as the price of capital, is not only restricted by many economic and social factors, but also has a great influence on the whole economy. Therefore, modern economists pay special attention to the relationship between various variables and the balance of the whole economy when studying the decision of interest rate. Interest rate determination theory has also experienced the evolution and development of classical interest rate theory, Keynesian interest rate theory, loanable funds interest rate theory, IS-LM interest rate analysis and contemporary dynamic interest rate model. Keynes believed that savings and investment are two interdependent variables, not two independent variables. According to his theory, the money supply is controlled by the central bank and is an exogenous variable without interest rate elasticity. At this time, the demand for money depends on people's psychological "liquidity preference".