China Postal Savings Bank in 2020: 1, with annual interest rate of lump-sum deposit and withdrawal of 2.75% and interest of 2,750 yuan; 2. The three-year interest rate for lump-sum deposit and lump-sum withdrawal is 1.56%, so the deposit interest is 1.56 yuan; 3. The fixed deposit and withdrawal within one year is 60% off at the same interest rate, and the deposit interest is 3204 yuan.
If the money is deposited in four state-owned banks, the interest for three years is: 65438+ ten thousand yuan *3.85%*3= 1 1550 yuan. It is also three years, 654.38+ten thousand yuan. Usually, private banks will have an interest rate advantage of several thousand yuan more than state-owned banks. At present, it is popular in the market that the three-year interest rate of small and medium-sized banks (such as city commercial banks and rural commercial banks) can reach 4.675%. If you deposit these small and medium-sized banks, the interest rate for three years is: 65438+ ten thousand yuan *4.675%*3= 14025 yuan, which is 2475 yuan more than that of state-owned banks.
Interest rate introduction:
First, in the past, according to the unified interest rate, the interest of 654.38+10,000 yuan for three years was basically the same. Now, because China has implemented the interest rate marketization, it is also a bank deposit, and where the money is deposited is very different. If depositors trust the four state-owned banks more, the interest rate will be lower. If it is biased towards small and medium-sized banks, the interest rates given by small and medium-sized banks are higher than those given by the four major banks. If you think that the newly established private banks offer higher interest rates, you can also pursue relatively higher interest rates. Anyway, according to the deposit insurance regulations, all banks within 500 thousand are guaranteed capital and interest, and there is no security problem.
II. Explanation of loan interest When the loan is obtained, it can be debited to the bank deposit account with an amount of 6,543,800+and credited to the short-term loan account with an amount of 6,543,800+. When interest is generated, it may or may not be calculated. There are two aspects to direct payment due. First, it does not bear interest. When it is paid directly after maturity, it can debit the short-term loan with the amount of 6,543.8+0,000, debit the financial expense account with the amount of 22,500, and credit it to the bank deposit account with the amount of 6,543.8+0.225 million. 2. If you want to accrue interest on a monthly basis, you can debit the financial expense account when you accrue interest in the first month, with an amount of 750,000.