From January 1, 1980, the statutory interest rate from 1980 to 1990 added two 3-year and 5-year tranches to fixed deposits, with monthly interest rates of 3.3‰ and 3.75‰ respectively;

Regular savings, interest withdrawal on principal deposits, and savings on lump sum deposits and lump sum withdrawals are resumed. The interest rates and grades are the same as those on lump sum deposits and lump sum withdrawals.

On April 1 of the same year, the savings interest rate was adjusted again.

On September 1 of the same year, interest calculation on corporate special account deposits and corporate administrative department deposits resumed, and the interest rate on corporate deposits was 1.5‰.

At the same time, the individual loan interest rate is stipulated, and the monthly interest rate is 4.2‰.

With the consent of the People's Bank of China, the Agricultural Bank of China has, starting from January 1, 1981, reduced the interest rates on loans to cooperatives, team-run industrial and commercial enterprises and other enterprises, as well as personal loans of cooperative members that are of an industrial and commercial nature and belong to life (except for rations and disease loans).

), the loan interest rate is adjusted to 4.2‰.

In December 1981, the State Council approved the unification of the fixed asset loan interest rates of the People's Bank of China and the China Construction Bank. From January 1, 1982, the interest rates for infrastructure loans have been preferential for the coal mining, building materials, postal and telecommunications industries, with interest calculated at an annual rate of 2.4%; machinery,

For light industry, textile, crude oil processing, petrochemical and other industries, interest is calculated at an annual interest rate of 3.6%; for other industries, interest is calculated at an annual interest rate of 3%; loans for renovation measures (including short- and medium-term equipment loans, special loans for the production of exported industrial products, and domestic supporting loans

, small technical measure loans, etc.) interest rate is calculated at a monthly interest rate of 4.2‰.

In December of the same year, the State Council approved the People's Bank of China's report on adjusting bank deposit and loan interest rates.

In accordance with the unified deployment, the province has expanded the scope of deposit interest calculation and established time deposits for public entities since the first quarter of 1982; restored the loan interest rate to the level of 6% per month before the "Cultural Revolution", and improved working capital loans and

Different interest rates are implemented for short- and medium-term equipment loans; agricultural loan interest rates are increased appropriately, while still implementing the principle of being lower than industrial and commercial enterprise loan interest rates; starting from April 1, the interest rates of time savings deposits and overseas Chinese RMB savings deposits will be increased, and an 8-year term will be added.

long-term savings deposit interest rate.

In February 1982, the supplementary regulations of the People's Bank of China were implemented, and the monthly interest rate for settlement loans was 6‰, the monthly interest rate for negotiated grain and oil loans was 6‰, and the monthly interest rate for gold equipment loans was 3.6‰.

On May 1 of the same year, interest calculation on current deposits of trade union dues at all levels was resumed, with a monthly interest rate of 1.5‰.

In January 1983, the settlement loan interest rate was lowered from 6‰ to 3‰ per month.

The interest rate of the development loans piloted by the Agricultural Bank of China is 3.6‰ per month.

Energy-saving infrastructure loans issued by China Construction Bank have preferential interest rates, with an annual interest rate of 2.4%.

In May of the same year, the Agricultural Bank of China adjusted the interest rate between banks and credit unions from the original monthly interest rate of 2.7‰ to 3.6‰. At the same time, it also canceled the Agricultural Bank of China's interest rate subsidy for deposits and loans to credit unions.

In October, in order to change the unreasonable situation of high deposit interest rates, low loan interest rates, and inverted deposit and loan interest rates in credit unions, the Provincial Agricultural Bank of China adjusted the loan interest rates of credit unions: the loan interest rate for planting and breeding industries was adjusted from 4.8‰ to 6‰;

The loan interest rate is adjusted from 6‰ to 6.6‰; the commercial, catering and service industries are adjusted from 6‰ to 7.2‰; the interest rates of other daily life loans are adjusted from 6‰ and 7.2‰ to 8.1‰; the transportation industry loans are adjusted from 6‰ to 9

‰.

In November of the same year, the Provincial Agricultural Bank of China comprehensively adjusted agricultural loan interest rates according to the deployment of the head office.

See Table 4-19 for details.

The seven preferential interest rates originally implemented will continue to be implemented, namely: grain and oil loans (affordable), seed company loans (affordable) 3‰, settlement loans 3‰, educated youth enterprise loans (within 2 years of establishment) 3.6‰, ethnic trade and ethnic supplies production

Corporate loans range from 3.0 to 3.3‰, loans to small commodity production companies are 4.8‰, loans to companies operating traditional Chinese medicinal materials are 4.8‰, and biogas loans are 2.1‰.

Thereafter, according to the regulations of the Head Office of the People's Bank of China, other insurance deposits of insurance companies with the People's Bank of China.

Since December 21, 1983, the following interest rates have been implemented: the monthly interest rate for insurance total reserve deposits is 4.2‰, the monthly interest rate for outstanding liability reserve deposits is 3.6‰, and the monthly interest rate for demand deposits is 1.5‰.

The loan interest rate for urban individual industrial and commercial households will be 7.2‰ starting from January 1, 1984.

Loans within the fixed quota for state-owned industrial and transportation enterprises will be calculated at an interest rate of 6‰ starting from January 1, 1984.

For foreign trade, industry and trade enterprises that implement "deposit and loan accounts", preferential interest rates are applied for loans within the fixed quota, and the monthly interest rate is 5.7‰.

Starting from the fourth quarter of 1984, the Agricultural Bank of China adjusted the interest rates between banks and credit unions. The monthly interest rate for deposit reserves deposited by credit unions with banks is 4.5‰, general transfer deposits are 4.2‰, and the monthly interest rate for credit unions' loans to banks is 5.1‰.