China's bank deposit interest rate is as follows: deposit interest rate is 0.3%. Three-month fixed deposit rate 1.35%, half-year deposit rate 1.55%, annual deposit rate 1.75%, annual deposit rate 2.25%, annual deposit rate 3.75% and annual deposit rate 5.75%.

Personal deposit refers to the deposit of monetary funds owned or held by natural persons in the bank, which is voluntary and paid.

The current laws in China stipulate that:

(1) Personal deposits shall be registered in real-name registration system, and two kinds of accounts shall be opened with the depositor's ID card;

(2) Commercial banks should keep personal savings deposits confidential. Except for the needs of judicial organs in handling cases according to law, commercial banks shall not accept inquiries from others, and shall not freeze or deduct personal deposits without authorization;

(3) When a commercial bank goes bankrupt or terminates liquidation, it shall give priority to paying the principal and interest of individual savings deposits;

(4) Commercial banks withhold and remit 5% personal income tax for individual deposit interest recipients.