1. The annual interest rate of current deposit is 0.3%.
2. The annual interest rate of lump-sum deposit and withdrawal for three months is1.35%; The half-yearly interest rate is1.55%; The one-year annual interest rate is1.75%; The annual interest rate for the biennium is 2.25%; The annual interest rate for three years is 2.75%; The five-year annual interest rate is 2.75%.
3. One-year annual interest rate for lump-sum deposit and lump-sum withdrawal, lump-sum deposit and lump-sum withdrawal and deposit interest withdrawal is1.35%; The annual interest rate for three years is1.55%; The annual interest rate for five years is 2.75%.
The interest calculation formula is: deposit interest = deposit principal × deposit interest rate × deposit term.
1. Time deposit refers to a form of savings in which depositors deposit cash in a time deposit account opened in a banking institution, and agree in advance to deposit it for a fixed period of time, so that they can get a return at a higher interest rate than the current deposit, and receive the principal and interest after maturity. Time deposit is the currency or currency that the depositor temporarily transfers the right to use to the bank while retaining the ownership, and it is the most important source of credit funds for the bank. It is worth noting that if depositors withdraw time deposits before the agreed deposit period expires, banks usually handle this business in the form of demand deposits. Before depositors need to collect large deposits, they often need to inform the bank one day in advance and apply for an appointment to withdraw money in case the bank prepares enough cash to pay.
2. China Construction Bank was established in June 1954+ 10/. The basic background of the establishment of China Construction Bank is that People's Republic of China (PRC) began to implement the first five-year plan to develop the national economy, and large-scale economic construction centered on 156 key projects has been launched all over the country. In order to manage the huge construction funds, China Construction Bank came into being. China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. Its business includes credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans.