What is the interest rate of 20 18 rural credit cooperatives?

1.20 18 What is the interest rate of rural credit cooperatives?

20 18 interest rate of rural credit cooperatives:

The annual interest rate is 0.385%. The interest rate of time deposit is generally that the longer the deposit time, the higher the annual interest rate.

The interest rate of three-month time deposit is: 1.59.

The interest rate of 6-month time deposit is: 1.885%.

1 year fixed deposit rate is 2. 175%.

2-year time deposit interest rate: 3.045%

The interest rate of three-year time deposit is 3.988%.

The interest rate of five-year time deposit is 4.500%.

Rural credit cooperatives are banking financial institutions, and the loan interest rate has the following influencing factors: the latest published lpr, loan purpose, guarantee situation, personal credit situation, household debt ratio and income level, business dealings with banks, etc. To get a loan, we must solve three problems: how to deal with the money; What to pay back; What if I don't get it? The above problems can be worse than the price of silver. The capital cost of rural credit cooperatives is higher, and the loan interest rate will be relatively higher, but it is more than that of loan companies and borrowers.

Rural credit cooperatives are the most people-friendly banks, and there are credit cooperatives in major towns and even some villages in China, but now there are relatively few credit cards. Rural credit cooperatives belong to domestic small commercial banks, and the deposit interest rate is bound to be higher than that of state-owned banks. The popularization of rural credit cooperatives is not as difficult as that of some commercial banks. Moreover, rural credit cooperatives generally have few outlets in cities. Then you will save money, and your average assets will be lower. This makes it more difficult for them to absorb deposits.

Under such circumstances, they can only attract people who borrow money from social institutions by raising interest rates. The higher the risk, the greater the income and the higher the loan interest rate. After all, banks can't do business at a loss. There is also a consumer loan, which can be borrowed from rural credit cooperatives. Most of them are users of large commercial banks with mismatched credit status. This group of people has an average credit record, and lending him money at a fixed interest rate is much higher.

2.20 18 what is the loan interest of rural credit cooperatives?

What is the loan interest of 20 18 rural credit cooperatives? A: At present, the benchmark loan interest rate announced by the bank is 4.35% from 0 to 6 months (including June), 4.35% from June to 1 year (including 1 year), and 1-5 years (including 5 years).

Attachment: Introduction to Rural Credit Cooperatives: Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management, and mainly provide financial services for members. Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with the provisions of national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and restrict and crack down. Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School, and Credit Department of Rural Credit Cooperatives. At present, it is under the dual leadership of China Banking Regulatory Commission and the State Council/DKZS/Daikuanlilv/2018/011256448.

3. What is the interest of the rural credit cooperatives for 20 17 to 20 19 years?

Rural credit cooperatives, which belong to local banks, have higher interest rates on time deposits than the other four major banks: China Bank, China Industrial and Commercial Bank, China Construction Bank and China Agricultural Bank. From 20 17 to 20 19, the interest of two-year time deposit of rural credit cooperatives is 2.94%, and the interest of ten thousand yuan is 294 yuan× 2 = 588 yuan; The two-year interest rate of the four major banks in the same period is 1.75%, and the two-year interest rate of ten thousand yuan is 175 yuan× 2 = 350 yuan.

4.20 18 what is the interest rate of rural credit cooperatives?

I. Deposit interest rate:

The annual interest rate is 0.35%.

Second, the time deposit interest rate:

1, deposited for 3 months, with annual interest rate of1.10%;

2. Deposit for 6 months, with annual interest rate of1.30%;

3. When the deposit is 1 year, the annual interest rate is1.50%;

4. When it has been deposited for 2 years, the annual interest rate is 2.10%;

5. Deposit for three years, with an annual interest rate of 2.75%.

Three, individual housing provident fund deposit interest rate:

1. When deposited in the current year, the annual interest rate is 0.35%;

2. When carried forward from the previous year, the annual interest rate was 1. 10%.