Bank deposits are divided into different forms:
1. Change from demand deposit to three-year lump-sum time deposit. The deposit interest rate is generally 0.3%~0.35%. Although the interest rate is low, in fact, from the annual reports of major banks, international deposits have always been the main source of bank profits and the main form of deposits. 2. The national benchmark interest rate for one-year fixed deposit is 1.5%, the benchmark interest rate for two-year lump-sum deposit and withdrawal is 2. 1%, and the benchmark interest rate for three-year lump-sum deposit and withdrawal is 2.75%. 20 15 countries have liberalized the control of interest rates, and banks can set interest rates according to their own needs to attract deposits.
3. The six state-owned commercial banks that have established diplomatic relations with China's agriculture, industry and postal services generally give preferential interest rates 20%~30% higher than the benchmark interest rate.
In addition, the state began to build a large deposit certificate system on 20 15, and the preferential interest rate will be 40%~55% higher than the benchmark interest rate.
450 million, if you buy a large deposit certificate from a bank, the annualized interest rate can reach the top line of 4.2625%. Close to the interest rate of 4.27% for five-year depositors.
5. The payment method corresponding to the certificate of deposit is still very flexible, including one-time repayment of principal and interest and regular interest payment. In this case, the annual interest earned is 2 1.3 million 1.250 yuan.
The market function of interest rate;
1. Functions that affect enterprise behavior
As the occupation cost of an enterprise, interest directly affects the economic benefits of the enterprise. In order to reduce costs and improve efficiency, enterprises should do everything possible to reduce the amount of funds, and at the same time compare the costs of various financing methods in the process of financing. If enterprises in the whole society regard saving interest expenses as a common behavior mode, then the efficiency of economic growth will certainly be improved.
2. Functions that affect residents' asset selection behavior. With the continuous improvement of residents' actual income level and savings rate in China, asset selection behavior has emerged. The increase of financial instruments provides an objective basis for residents' asset selection behavior, and interest income is the main incentive for residents' asset selection behavior. Residents' departments attach importance to interest income and spontaneously produce asset selection behavior, which has an impact on macro-control and micro-foundation reconstruction. Judging from China's current situation, the high savings rate has become a major feature of China's economy, providing a solid financial foundation for the rapid economic growth. The various asset selection behaviors made by residents under the incentive of interest income have contributed to the realization of various macro-controls.
3. Functions that affect government behavior Because interest income is closely related to the economic interests of deficit departments and surplus departments of the whole society, the government can also use it as an important economic lever to regulate economic operation.