1. Deposit interest rates: 1. Demand deposits: the interest rate is 0.35%; 2. Lump-sum time deposits: the three-month interest rate is 1.10%, the half-year interest rate is 1.30%, the one-year interest rate is 1.50%, and the two-year interest rate is 2.10

%, the three-year interest rate is 2.75%; 3. Partial deposit and lump sum withdrawal, lump sum withdrawal and principal deposit and interest withdrawal: the one-year interest rate is 1.35%, the three-year interest rate is 1.55%, and the five-year interest rate is 1.55%; 4.

Two advantages for fixed deposit and live deposit: 40% off the same interest rate for regular deposits and withdrawals within one year; 5. Agreement deposit: 1.15%; 6. Notice deposit: 0.80% for one day and 1.35% for seven days.

2. Loan interest rate: 1. The interest rate for less than one year (including one year) is 4.35%; 2. The interest rate for one to five years (including five years) is 4.75%; 3. The interest rate for more than five years is 4.9%; 4. Use

The interest rate for provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.

The above is the content related to the central bank’s benchmark interest rate in 2022.

What are the responsibilities of the central bank? 1. Acting as a fiscal agent: This is because the state generally does not set up separate agencies for fiscal revenue, so in most cases the finance is acted as an agent by the central bank; 2. Acting as an agent for government department bond issuance: such as the national bonds that users often know

Products such as reverse repos; 3. Financing the government: For example, the Federal Reserve often expands its balance sheet for the U.S. government to help government departments fill temporary imbalances in fiscal revenue or long-term fiscal deficits of the Department of Finance; 4. Hold and operate and manage international financial assets for the country.

Reserves: This includes foreign exchange, gold, reserve positions in the International Monetary Fund, unused Special Drawing Rights allocated by the International Monetary Fund, etc.; 5. Represents government departments participating in international investment activities: users can often

It is seen that in some major conferences, central bank executives will be present, but government department officials will not appear; 6. Provide economic and financial information and management decisions to government departments: This is more obvious depending on the market business issued by the central bank, such as LPR, etc.

interest rate.

What is the central bank's RRR cut and interest rate cut? 1. RRR cut is to reduce the statutory reserve ratio. Deposit reserves refer to the savings that financial institutions prepare in advance to ensure that users obtain savings and asset settlement needs. They are deposits deposited in the central bank.

The ratio of deposit reserves required by a bank to its total deposits is the statutory reserve ratio.

To put it simply, after banks absorb people's savings, they need to turn over risk reserves according to the statutory reserve ratio, and the remaining part can be used to issue loans; 2. Interest rate reduction means reducing deposit interest and loan interest, that is, savings

The interest rate placed in the bank or the interest rate on the loan is reduced.

After the deposit interest is reduced, depositors are unwilling to deposit their assets in the bank. After the loan interest is reduced, more and more people can apply for loans.

Both interest rate cuts and reserve requirement ratio cuts are relatively loose monetary policies. Cutting interest rates will reduce social financing costs, thereby enhancing the company's initiative to expand, and can also alleviate the pressure on companies or individuals.

Lowering the reserve requirement ratio can increase the currency multiplier and release a large amount of assets to the market.

In short, after the interest rate cut, loan costs decreased, while after the RRR cut, loanable assets increased.

This article mainly writes about knowledge points related to the central bank’s benchmark interest rate in 2022. The content is for reference only.