1. Whole deposit and withdrawal: 3-month interest rate is 1.40%, half-year interest rate is 1.65%, 1-year interest rate is 1.95%, 2-year interest rate is 2.50%, 3-year interest rate is 2.90%, 5-year interest rate is 3.00%; 2

, Partial deposits and lump-sum withdrawals, lump-sum withdrawals and principal deposits and interest: 1-year interest rate is 1.32%, 3-year interest rate is 1.56%, 5-year interest rate is 1.80%; 3. Fixed and live payment: regular adjustment within one year

The interest rate for deposits and withdrawals of the same grade will be 40% off.

This data was collected on August 17, 2022.

The above is the relevant content of Beijing Bank Interest Rate 2022 Regular.

Is bank financial management low-risk and capital guaranteed? Bank financial management is low-risk and does not protect capital. Low-risk bank financial management is a relatively low-risk type of financial management. It generally invests in various money market funds or partial debt funds, so the risk is relatively low, but capital is not guaranteed.

Generally speaking, the possibility of losing money in low-risk bank financial management is relatively small, but the possibility of making money in the long-term is relatively large. When users choose low-risk bank financial management, they can refer to past profit status and choose past days as much as possible.

Although the past does not mean the future of bank financial management with relatively good profits, it still has certain reference value.

The main factors affecting interest rates 1. Interest rate level: In the socialist market economy, interest is still a part of the average profit, so the interest rate is also determined by the average profit rate, that is, the amount of the interest rate first depends on the level of the average social profit rate.

Based on China's current economic situation and reform and innovation practices, this kind of containment effect can be summarized as the overall level of interest rates must be adjusted to the affordability of most enterprises; 2. Fund supply and demand: when the average profit rate is clear, the change in interest rates depends on the average profit

Divided into the ratio of interest to corporate profits.

This proportion is determined by the supply and demand of borrowed capital through market competition; 3. Price change range: Because prices are rigid, the trend of change is generally growth, so how to prevent the currency owned by individuals from depreciating or being depreciated?

How to obtain compensation in the future is an issue of widespread concern among users.

Are direct bank deposits guaranteed? Direct bank refers to a bank that does not set up offline business outlets and builds a pure online platform.

Compared with personal online banking, direct banking enhances the limitations of bank accounts and makes deposits more convenient and faster for users, but its deposit guarantees are the same as branch banks.

According to the guarantee requirements of the relevant regulations, even if the bank fails, the deposits of an individual bank will be 100% compensated.

However, bank financial management is not protected and does not promise to guarantee principal and interest. At the same time, the portion exceeding RMB 500,000 is not protected and may suffer losses.

In addition, under the direct banking operating model, the bank has no business outlets and does not issue physical bank cards.

Users mainly obtain banking products and services through remote control methods such as computers, emails, and mobile phones.

Without the operating expenses and administrative expenses of a business branch, direct banking can provide users with more competitive deposit and loan prices and lower handling fees.

This article mainly writes about the knowledge points related to the Bank of Beijing Interest Rate 2022 Regular Period, and the content is for reference only.