how much interest does a billion deposit bank have a year?

; ? If the deposit is for five years, the interest rate is between 4.2625% and 5.5%, and the annual interest is between 4.26 million and 5.5 million; If it is a three-year period, the interest rate is about 4%~4.5%, and the annual interest is about 4 million to 4.5 million; If it is a one-year period, the interest rate is about 2.25%~3.5%, and the one-year interest rate is about 2.25 million ~ 3.5 million. How much interest does a billion-deposit bank have a year? 1. If you deposit for five years, the interest rate is probably between 4.2625% and 5.5%. At present, for most banks, the longer the deposit term, the higher the corresponding interest rate. For example, if you deposit a five-year deposit in a large state-owned bank, you can buy their large deposit certificates, or you can negotiate with them privately. These big banks should be able to give interest rates between 42,625% and 4.5% for a deposit of 1 million yuan, which means that the annual interest on a deposit of 1 million yuan is between 4.26 million and 4.5 million. For some small and medium-sized banks, if you deposit a 1-million-year deposit at one time, they can at least give an interest rate of more than 5%, and most banks should be able to give an interest rate of 5.5%, which means that a deposit of 1 million yuan will have an interest of 5.5 million a year. 2. If you save for three years, the interest rate is probably between 4% and 4.5%. At present, the term of deposits in the market is generally three years. Under normal circumstances, the three-year interest rate of ordinary deposits in most banks can be about 3.85%. However, for such a huge deposit of 1 million yuan, the major banks will definitely try their best to win the deposit, so they can definitely raise higher interest rates. No matter whether it is a big bank or a small bank, a deposit of 1 million yuan can give an interest rate of at least 4% for three years, and most small and medium-sized banks can give an interest rate of at least 4.5%, which means that the interest for a month's deposit is about 4 million to 4.5 million. 3. If you save for one year, the interest rate is probably between 2.25% and 3.5%. One-year deposit term is relatively short, and the corresponding interest rate is not as high as that of five-year or three-year deposit. However, for a huge deposit of 1 million yuan, most banks will definitely handle it specially. Under normal circumstances, the bank's one-year interest rate is about 1.95%~2.25%, but a one-year deposit is made at one time. If you choose to deposit at a critical moment, most banks can at least give an interest rate of more than 2.75%, and some banks can even give an interest rate of about 3.5%. This means that the one-year interest of a 1 million deposit is about 2.25 million to 3.5 million.

what's the interest rate of a hundred million yuan in the bank for one year?

The annual interest of a billion-dollar deposit bank is as follows:

1. When the deposit bank is in a current account for one year, the interest of 1 million yuan is 1 million yuan × .35 %× 1 = 35, yuan, that is, 35, yuan.

2. When you deposit in the bank for a fixed period of one year, the interest of 1 million yuan is 1×1.5%×1=15 yuan, that is, 1.5 million yuan.

deposit interest refers to the interest paid by banks to depositors. The amount of deposit interest varies with the type of deposit and the length of term. The longer the term of deposit, the higher the interest income of depositors; Demand deposits are the most unstable, so depositors have the lowest interest income.

deposits can be classified in many ways. For example, they can be divided into original deposits and derivative deposits according to the mode of production, current deposits and fixed deposits according to the term, and corporate deposits and personal deposits according to different depositors. Personal deposit, that is, residents' savings deposit, is the currency deposited by individual residents in the bank.

corporate deposits

① corporate 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 various special funds that have been withdrawn but not used by enterprises, the most important of which is the depreciation fund for fixed assets, and it also includes profit retention.

the change of enterprise deposits depends on the scale of purchase and sale of goods produced by the enterprise and the management situation. With the expansion of production or commodity circulation, enterprise 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. Banks represent the national treasury, and all financial revenues and expenditures must be handled through banks. Fiscal revenue and expenditure are often inconsistent in time. In the case of first receiving and then spending, temporarily unused funds form fiscal deposits.

③ Deposits from funds used for capital construction but not yet spent

④ Deposits from institutions, organizations and military units. It is the deposit formed by the unused funds brought by the above-mentioned units from the financial concentration.

⑤ rural deposits. Deposits of collective agriculture, township enterprises and rural credit cooperatives in banks, of which rural credit cooperatives account for more than 9%.

New types of deposits are constantly emerging in the world, such as negotiable large deposit certificates, negotiable payment order accounts, telephone transfer services and autopay services, and money market depositors, among which negotiable large deposit certificates have also developed in China.

time deposit

refers to a deposit in which depositors can only withdraw money on a specified date after deposit or must notify the bank a few days before they are ready to withdraw money. The term can range from 3 months to 5 years and more than 1 years. Generally speaking, the longer the deposit term, the higher the interest rate. In addition to the deposit certificate, the traditional time deposit also has the form of passbook, which is also called passbook time deposit, but its basic interest-bearing days are 9 days. No interest will be charged for less than 9 days.

Compared with demand deposits, time deposits have stronger stability and lower operating costs, and the reserve ratio held by commercial banks for this purpose is correspondingly lower. Therefore, the capital utilization rate of time deposits is often higher than that of demand deposits.

a time deposit is a deposit in which both the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. Time deposits are used to settle accounts or withdraw cash from time deposit accounts. If customers need funds temporarily, they can apply for early withdrawal or partial early withdrawal.

demand deposit

refers to a kind of bank deposit that depositors can access and transfer at any time without any prior notice, in the form of checking account, certified check, promissory note, traveler's check and letter of credit. Demand deposits account for the largest part of a country's money supply and are also an important source of funds for commercial banks.

in view of the fact that demand deposits not only have the functions of monetary payment and circulation means, but also have strong derivation ability, commercial banks must take demand deposits as the focus of their operations at any time. However, due to the frequent deposit and withdrawal, complicated procedures and high cost, commercial banks in western countries generally do not pay interest, and sometimes even charge a certain fee.

call deposit

call deposit is a kind of deposit that does not have an agreed deposit period, and can be withdrawn only after the bank is notified in advance and the withdrawal date and amount are agreed.

no matter how long the actual deposit period is, personal notice deposits can be divided into two types: one-day notice deposits and seven-day notice deposits according to the length of the depositor's notice in advance.

one-day notice deposit must inform the agreed withdrawal amount one day in advance, and seven-day notice deposit must inform the agreed withdrawal amount seven days in advance. The minimum initial deposit, minimum withdrawal and minimum retention amount of RMB call deposit are all 5, yuan, and the minimum initial deposit amount of foreign currency is 1, US dollars equivalent to foreign currency.

the currency of call deposit can be RMB, Hong Kong dollar, British pound, US dollar, Japanese yen, Euro, Swiss franc, Australian dollar and Singapore dollar. The call deposit rates of RMB and foreign currency are higher than those of deposit interest rate, subject to the regulations of banks.

what's the annual interest of a deposit bank?

if the deposit is fixed, the current annual interest rate is about 1.75%, 1 million = 1 million, 1 million * 1.75% = 1.75 million, so the annual interest is 1.75 million. However, it is not appropriate to deposit such a large amount of money on a regular basis, but it is more appropriate to deposit a large amount of money, with an annual interest rate of around 4%. But it's usually three years.

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how much is the annual interest of a billion deposit bank?

The annual interest of a billion-dollar deposit bank is as follows:

1. When the deposit bank is in a current account for one year, the interest of 1 million yuan is 1 million yuan × .35 %× 1 = 35, yuan, that is, 35, yuan.

2. When you deposit in the bank for a fixed period of one year, the interest of 1 million yuan is 1×1.5%×1=15 yuan, that is, 1.5 million yuan.

according to the current one-year term, the interest of a billion-deposit bank will be more than two million yuan a year, but it will basically exceed three million yuan when faced with a large deposit of one hundred million yuan. According to the standard after the current bank interest rate drops, the interest on a one-year fixed deposit will not exceed 4% a year no matter how much it is, that is to say, the interest on a one-year deposit limit of 1 million yuan will not exceed 4 million a year.

In addition, under normal circumstances, 1 million yuan of cash will not be deposited in the bank. Under normal circumstances, at least a part of 1 million cash will choose to buy government bonds, some will buy bank wealth management products, and some will choose time deposits, that is to say, 1 million cash will be divided into three parts for wealth management, so that the interest income is high.

For example, the national debt and the bank's wealth management products are higher than the bank's time deposit interest. The most important thing is that the security is improved after being divided into groups. If you deposit all of your money, the unscrupulous bank staff may come after you and get into trouble, which has often happened in banks in recent years. Therefore, when you have more property, you should choose a combination strategy for wealth management.

Extended information:

The interest of banks is determined by their interest rates. The following are the current interest rates in prime bank:

1. Five state-owned commercial banks:

.3% in deposit interest rate. The three-month interest rate of time deposit is 1.35%, the semi-annual interest rate of deposit is 1.55%, the one-year interest rate of deposit is 1.75%, the two-year interest rate of deposit is 2.25%, the three-year interest rate of deposit is 2.75%, and the five-year interest rate of deposit is 2.75%

2. China Merchants Bank:

deposit interest rate is .35. The three-month interest rate of time deposit is 1.35%, the semi-annual interest rate of deposit is 1.55%, the one-year interest rate of deposit is 1.75%, the two-year interest rate of deposit is 2.25%, the three-year interest rate of deposit is 2.75%, and the five-year interest rate of deposit is 2.75%

3. Shanghai Pudong Development Bank: < P > deposit interest rate is .3. The three-month interest rate of time deposit is 1.5%, the semi-annual interest rate of deposit is 1.75%, the one-year interest rate of deposit is 2%, the two-year interest rate of deposit is 2.4%, the three-year interest rate of deposit is 2.8%, and the five-year interest rate of deposit is 2.8%.

4. Postal Savings Bank:

.35% in deposit interest rate. The three-month interest rate of time deposit is 1.35%, the semi-annual interest rate of deposit is 1.31%, the one-year interest rate of deposit is 2.3%, the two-year interest rate of deposit is 2.5%, the three-year interest rate of deposit is 3%, and the five-year interest rate of deposit is 3%.

5. Guangfa Bank:

deposit interest rate, .3%. The three-month interest rate of time deposit is 1.5%, the semi-annual interest rate of deposit is 1.75%, the one-year interest rate of deposit is 2%, the two-year interest rate of deposit is 2.4%, the three-year interest rate of deposit is 3.1%, and the five-year interest rate of deposit is 3.2%.

what's the interest rate of 1 million yuan for one year

At present, the current interest rate of the bank is 3% for one year. In this case, the interest rate of 1 million yuan for one year is 3 million yuan!

However, under normal circumstances, it is of course possible to maximize the income if there is a bank with a fixed term or a high wealth management income. However, if you want to support yourself by interest, the liquidity of a fixed-term or long-term wealth management is not good enough, which may lead to the interruption of funds in the middle.

because of the competition of Yu' ebao and other products, banks have also launched current wealth management products. From the perspective of safety, the conservative annualized rate of return of current wealth management products in most banks is 3%, so the interest of 1 million yuan a day is about 8,219 yuan, and it is 3 million yuan a year, which is equivalent to the profit of a small and micro company.

If we add some other products with higher returns, such as long-term wealth management, bank certificates of deposit, government bonds, etc., it is estimated that the interest earned by 1 million yuan in the bank can reach about 4 million yuan a year, which is already a high income in our country. In the face of not overly inflated consumption desire, 4 million yuan should be more than enough for a family.

Therefore, if 1 million yuan only exists in the bank and there are no other investment methods, for most people in China, they can completely live on bank interest, and they can even say it well.

However, if you really have such a large sum of money suddenly, I still suggest that you can choose a variety of financial management methods, such as allocating some stock funds on the basis of preserving bank deposits, and also allocating some fixed assets such as real estate. It can not only prevent risks more effectively, but also realize the steady preservation and appreciation of the original funds. This way can better maximize the role of this money and realize a happy life as soon as possible.

Imagine that this is the end. For most people in reality, the hope of suddenly getting rich overnight is still very slim. This sudden good luck belongs to a few lucky people who are blessed by God. For you and me, it's better to do a good job in this job, learn more about financial management and have a clear and complete plan for our financial management, instead of spending all day in daydreaming thinking that we can get rich overnight.

Only by doing the best job at present can you get a promotion and salary increase. At the same time, you should constantly learn and enrich yourself, and gradually realize the steady preservation and appreciation of assets, so as to achieve wealth freedom!

what's the annual interest rate of 1 million deposit banks?

according to the latest benchmark interest rate for personal deposits of the central bank, the interest rate for lump-sum deposit and lump-sum withdrawal of time deposits for one year is 1.5%, so the annual interest rate for 1 million deposit banks is: 1*1.5%=15 yuan.

time deposits are divided into deposits in March, June, one year, two years, three years or more. At present, the benchmark interest rates set by the central bank are 1.1%, 1.3%, 1.5%, 2.1 and 2.75%, and the longer the deposit is, the higher the interest will be.

1. Bank of China, 1.95% for one year, 2.73% for two years and 3.575% for three years and five years.

2. Agricultural Bank of China, 1.95% for one year, 2.73% for two years and 3.575% for three years and five years.

3. China Corporate Bank, 1.95% for one year, 2.73% for two years and 3.3% for three years and five years.

4. China Construction Bank, 2.1% for one year, 2.94% for two years and 3.85% for three years and five years.

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