You don't need to check. The benchmark interest rate for demand deposits is 0.35%, and the real interest rate is 0.3%. If you deposit 1 ten thousand yuan, the current interest for one year is 1000000*0.3%=3000 yuan.

(2) On a regular basis

The common one-year fixed interest rate is about 1.8%, and the one-year interest of 1 10,000 deposit is100 *1.8% =1.8 million.

(3) Bank "baby"

This is the bank's "balance treasure" and belongs to the money fund. The upper limit of buying is higher than Yu 'ebao, and it is also available at any time. At present, the annualized rate of return is about 4%, and the annual income of 1 10,000 deposits is 40,000.

(4) Financial management

Last month, I told my friend that 1 10,000 can buy 5% wealth management. Now, 5.7% can have it. 1 The annual wealth management income is 57,000 yuan, which is equivalent to the annual income of white-collar workers in third-and fourth-tier cities.

definition

Symmetrical deposit interest of "loan interest" must be included in the bank's operating costs. The amount of deposit interest varies with the type of deposit and the length of term. The longer the deposit term, the more interest income the depositor has, and the lowest interest income is due to the instability of demand deposits. Commercial banks in some countries don't even pay interest on demand deposits.

computing formula

Deposit interest = deposit principal × deposit interest rate × deposit term. According to the different deposit term, deposit interest can also be divided into annual interest, monthly interest and daily interest. It should be noted that the deposit interest rates published by general banks are annual interest rates, and the deposit interest is not simply the principal multiplied by the interest rate, but also combined with the deposit term. For example, a bank's three-month fixed interest rate is 1.9 1%, so the interest due is 1.9 1/4 = 0.48 yuan instead of 1.9 1 yuan.

Change form

You can check the current and historical changes of the central bank's interest rate in the related items below.

Changes in deposit interest rates

Deposit type

brief introduction

Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits and fixed deposits, and according to different depositors, it can be divided into unit deposits and personal deposits (taking China as an example). Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks.

Company deposit

(1) company deposits. This is a temporary idle monetary fund generated by state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises due to the inconsistency between sales revenue and various expenditures. It also includes all kinds of special funds extracted but not used by enterprises, the most important of which is the depreciation fund of fixed assets, including profit retention. The change of enterprise deposits depends on the scale of purchase and sale of goods produced by enterprises and their operating conditions. With the expansion of production or commodity circulation, corporate deposits will increase and vice versa. With the improvement of management and the acceleration of capital turnover, corporate deposits will decrease, and vice versa. The vast majority of corporate deposits are demand deposits, and only a few are time deposits.

(2) fiscal deposits. As the national treasury, all financial revenues and expenditures must be handled through the bank (see the national treasury). Fiscal revenue and expenditure are often inconsistent in time. In the case of first receiving and then paying, temporarily unused funds form financial deposits.

(3) Capital construction deposits are deposits formed by funds used for capital construction but not yet spent.

(4) Deposits of organs, organizations and troops. It is the deposit formed by unused funds brought by the above-mentioned units from financial concentration.

⑤ Rural deposits. The deposits of collective agriculture, township enterprises and rural credit cooperatives in banks, of which rural credit cooperatives account for more than 90%.

New types of deposits are constantly emerging in the world, such as negotiable certificates of deposit, negotiable payment instruction account, telephone transfer service, automatic transfer service and money market depositors, among which negotiable certificates of deposit have also developed in China.