How to calculate the national debt income of Postal Savings Bank?
Treasury bonds are divided into electronic and voucher types, and the specific income calculation formula is as follows:
1. Calculation formula of redemption or maturity interest of electronic government bonds: redemption interest payable = accrued interest minus deducted interest.
1 accrued interest = redemption principal × coupon annual interest rate ÷ actual days of the year × holding days since the last interest payment date;
2 Interest to be deducted = redemption principal × annual coupon rate ÷ actual days of the year × days of interest deduction.
Two. Formula for calculating redemption or maturity interest of voucher bonds:
Redemption interest payable = redemption principal × grading interest rate × (annual value date+insufficient days in the whole year ÷ actual days in the current year).
The first-level households, entities or virtual second-level households of the Postal Savings Bank can handle the national debt business. You can use a personal settlement account that has signed up for financial management to purchase government bonds through the counter of the Postal Savings Bank, personal online banking or mobile banking. At present, online banking and mobile banking can only buy electronic government bonds, and voucher-type government bonds need to be handled at the business outlets where banks accept government bonds.
When purchasing voucher-type government bonds at the Postal Savings Bank, the outlets will issue receipts, which are also called invoicing in daily life. Please take good care of it. In the future, when paying voucher-type government bonds, you need to issue receipts.