Deposit interest = deposit amount deposit interest rate deposit term. The deposit interest rate of each bank is different, but it fluctuates on the benchmark interest rate of the People's Bank of China. 202 1 The benchmark deposit interest rate of the People's Bank of China is divided into demand deposit benchmark interest rate and time deposit benchmark interest rate.

Current deposit. 202 1, the benchmark interest rate of demand deposit of China People's Bank is 0.35%, so the annual interest for saving 10,000 yuan is 100000.35% 1=35 yuan.

Time deposit. There are the following types of time deposits: 1, lump-sum deposit and withdrawal; 2. lump-sum deposit and withdrawal, deposit and interest.

1, lump-sum deposit and withdrawal. One-year lump-sum deposit and withdrawal benchmark interest rate is1.5%; Then the annual interest for saving 10,000 yuan is10001.5%1=150 yuan.

2. lump-sum deposit and withdrawal, deposit and interest. The one-year benchmark interest rate is1.1%; Then the annual interest for saving 10,000 yuan is10001.1%1=10 yuan.

How much interest is saved for 11 thousand years depends on which bank this 10 thousand is in, and the interest rates of different banks are slightly different. In order to attract customers, some local banks will do some activities slightly higher than the basic interest rate. There is also general deposit financing, so it is impossible to determine the annual interest rate. Calculate the annual interest rate of 1 ten thousand yuan according to the general annual interest rate of 2-25%, and the annual interest rate is10000x2-25% 2100x2-25 = 225 yuan.

Different banks will be different, such as Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank. The annual interest rate of time deposits of Bank of Communications and Bank of China is 2.25%, 100002.25%=225 yuan. The annual interest rate of fixed deposit of Guangfa Bank is 2.05%, 100002.05%=205 yuan. Demand deposit: Demand deposit is the lowest interest rate, only 0.3% (although the benchmark interest rate of the central bank is 0.35%), so the interest earned by 10,000 yuan a year is 100000.3% = 30 yuan, so few people deposit demand deposits in the bank, and most enterprises need to deposit money in the bank's demand account when paying their salaries.

Different bank deposit rates are different, and different deposit types have different deposit rates. Interest calculation formula: interest = principal interest rate deposit time. Take China Bank's official website 202 1 latest deposit interest rate table as an example: demand deposit: annual interest rate is 0.30%, annual interest of 10,000 yuan100000.30%/= 30 yuan; Time deposit: the annual interest rate for one year is 1.75%, and the interest for one year is 10000 yuan.

Two, China's benchmark interest rate refers to

[1] The benchmark interest rate is the basic interest rate that plays a core role in the whole interest rate system and can restrict other interest rates. In China, the benchmark interest rate mainly refers to the refinancing rate (the rate used by the People's Bank of China to issue refinancing loans to financial institutions) and the rediscount rate (the rate used by financial institutions to discount bills to the People's Bank of China). China's benchmark interest rate refers to the trial operation of Shanghai Interbank Offered Rate by the central bank in the money market, based on the 18 quoted bank loan rate with high credit rating. The benchmark interest rate formed by the daily quotation of various funds borrowed in each period will be officially released every day from June 65438+ 10/day, 2007. In order to improve the independent pricing ability of financial institutions, guide the pricing of money market products, steadily promote the marketization of interest rates, and improve the regulation mechanism of monetary policy, the People's Bank of China decided to establish the benchmark interest rate in China's money market by quotation system. On June 4, 2007, the prototype of China's benchmark interest rate was unveiled, and the "Shanghai Interbank Offered Rate" (Shibor for short) issued by the National Interbank Funding Center was officially put into operation. Facts have proved that since the launch of Shibor, remarkable achievements and progress have been made, which profoundly shows its positive significance. The central bank will continue to improve the interest rate generation environment and cultivate it into "China's benchmark interest rate", thus creating conditions for China's financial regulation to change from quantitative regulation to price regulation.

The general idea of China's interest rate marketization reform is: first, liberalize the money market interest rate and bond market interest rate, and then gradually promote the marketization of deposit and loan interest rates. The order of marketization of deposit and loan interest rates is "local currency first; Loan first, then deposit; First long-term, large quantity, then short-term, small quantity. "

3. What is the base interest rate?

Capital market is a part of financial market, which includes all institutions and transactions related to long-term capital supply and demand. Long-term capital includes part of the company's ownership, such as stocks, long-term treasury bonds, long-term corporate bonds, large negotiable certificates of deposit for more than one year, real estate mortgage loans and financial derivatives, and also includes long-term loans such as collective investment funds, but does not include commodity futures.

Market capital interest rate:

Refers to the construction of the market economy system, which also accelerates the pace of integration into the global economy, and the economy is increasingly showing the characteristics of an open market economy. The market capital interest rate is the average interest rate of the capital market under the macro-economic environment, and it is an effective means to regulate and control the macro-economy.

4. What are the benchmark interest rate and the listing interest rate?

You know, shiki. Do you know a secret that Kisho doesn't know? The following calls the relevant contents of benchmark interest rate and listing interest rate, hoping to help everyone.

What are the benchmark interest rate and listing interest rate? What's the listing interest rate?

It means the benchmark interest rate, or it is understood as the ordinary interest rate. Because there are many large customers (or agreed interest rates), they are all floating. The word "listing" is also used because foreign interest rates are market-oriented and often change, that is, the brand image is often called the listing interest rate.

What is a benchmark

The benchmark interest rate is a universal reference in the financial market, and asset prices can be determined according to this benchmark interest rate level. First, investors should calculate the investment income in the interest rate marketization, and the management should adjust the recognized benchmark interest rate level for reference. Therefore, in a sense, the benchmark interest rate is the core of the formation of interest rate marketization mechanism.

benchmark interest rate

Mainly based on the interbank lending rate and repurchase rate. Countries with interest rates in Britain), the federal benchmark interest rate in the United States (F EU (Euribor), etc. Countries with repo rate as the benchmark interest rate are Germany (1W and 2W repo rate) and France (1W repo rate).

In China, according to the deposit and loan interest rates stipulated by the People's Bank of China for other financial institutions, ordinary people regard the bank's one-year time deposit interest rate as the market benchmark interest rate, and the loan interest rate as the market benchmark interest rate.

The benchmark interest rate must have the following basic characteristics:

The benchmark interest rate should not only be determined by the relationship between market supply and demand, but also reflect the market's expectation for the future;

(2) foundation. The benchmark interest rate is closely related to the interest rate system, financial products and other financial markets.

(3) transitivity. The market signal reflected by the benchmark interest rate, or the regulatory signal sent by the central bank through the benchmark interest rate, can be effectively transmitted to other financial markets and financial product prices.

Nigeria

On 26th, the Bank of Nepal concluded a two-day regular meeting of the Monetary Policy Committee, and decided to keep the current ratio of 2.5% and 30% unchanged, and raised the benchmark interest rate from 12% to 14% to cope with Li Ni. At present, when the real interest rate is negative, Amifi Bank, the governor of Nepal's central bank, lacks the necessary means to raise the benchmark interest rate.

Nigeria's national independent election

Postpone the re-election of Hezhou

On the 26th, the National Independent Electoral Commission of Nigeria issued a statement saying that due to the continuous lack of improvement in the security situation in Rivers State, the Commission decided to postpone the re-election of some constituency members in Rivers State originally scheduled for July 30th, and when it will be held in the future will depend on the security situation in Rivers State.

President Buhari appointed Mubarak as

chairman