At the weekend, I took the time to sort out the benchmark annual interest rate for deposits and the latest benchmark annual interest rate for loans announced by the People's Bank of China (the central bank) over the years. Figures 1, 2 and 3 show the benchmark annual interest rates of demand deposits and time deposits announced by the People's Bank of China (the central bank) over the years. Figure 4 shows the latest benchmark annual interest rates of various loans; Figure 5 shows the latest benchmark annual interest rate of provident fund loans. The official guidance price will definitely fluctuate when implemented by major banks.
Whether it is the annual interest rate of benchmark demand deposits or the annual interest rate of benchmark time deposits; The benchmark annual interest rate of all kinds of loans; Benchmark annual interest rate of provident fund loans. 2015101October 24th was last updated, and there was no change.
20 15 years 1 24 October to date, the current benchmark annual interest rate is 0.35%, the three-month benchmark annual interest rate 1. 1%, the six-month benchmark annual interest rate 1.3%, and the six-year benchmark annual interest rate1.
20 15 years124 October to date, the benchmark annual interest rate of all loans within one year (including one year) is 4.35%, that of all loans from one year to five years (including five years) is 4.75%, and that of all loans over five years is 4.9%.
20 15 years124 October to date, the benchmark annual interest rate of provident fund loans for less than five years (including five years) is 2.75%, and the benchmark annual interest rate of provident fund loans for more than five years is 3.25%.
It can be seen from the annual interest rate of benchmark deposits published by the People's Bank of China (the central bank) over the years that when the country is short of money, the deposit interest is the highest, 1 949 August 10- 1959 10/01982 April 60. The benchmark current annual interest rate of 65438+July1-1August 23, 996 is higher than the benchmark annual interest rate of 20 15 to1October 24.
1949 August10-1950 April 9, if you lend a sum of money (time deposit) to any bank for one year, you only lend it at the benchmark annual interest rate of 252% (time deposit), and the interest at maturity is 25.2 times.
1950 April10-1950 April 30, if you lend a sum of money (time deposit) to any bank for one year, you only lend it at the benchmark annual interest rate 156%, and you will get15 at maturity.
1950 May1-1950 May 14 If you lend a sum of money (time deposit) to any bank for one year, you only lend it at the benchmark annual interest rate of 86.4% (time deposit), and the interest at maturity is 8.64 times.
1950 May15-1950 June19 If you lend a sum of money (time deposit) to any bank for six months and only lend it at the benchmark annual interest rate of 28.8% (time deposit), you will get19 at maturity.
1950101October 20-1951March 25, if you lend a sum of money (time deposit) to any bank for one year, only the benchmark annual interest rate is 34.8% (time deposit)
1951March 26th-1951July 20th, if you lend a sum of money (time deposit) to any bank for one year, you will get 45.6 if you only lend it at the benchmark annual interest rate of 45.6% (time deposit).
1951July 21July-1June 5438+01October 30, if you lend a sum of money (time deposit),
195 1 year 1 February1day1952 may1day, if you lend a sum of money (time deposit) to any bank, the term is one year.
1952 May12-1952 June12 February 3 1 If you lend a sum of money (time deposit) to any bank for one year, you can only use the benchmark annual interest rate14.4.
1August 9851-1June 997 5438+001October 23, the benchmark annual interest rate of five-year time deposits is also 9%- 14.94%.
In 2009, I graduated from college, ready to start making my own money. From 2009 to 2065438+July 5, 2002, the benchmark annual interest rate of five-year time deposits was only 3.6%-5.5%; From July 6, 20 12 to June 23, 20 15, the benchmark annual interest rate of three-year time deposits is only 3%-4.25%; From 20 15 years124 October to now, the benchmark annual interest rate of three-year time deposits is only 2.75%, and it is really getting harder and harder to earn safe interest.
I'm really addicted to making forms recently, and I want to sort everything out. In the first few years after graduation, you don't need to use excel tables when studying or working. A few years ago, because the commonly used accounting software could not be used, you began to use excel tables for manual accounting, but it was only a simple application. I didn't expect to fall in love with excel tables after I started trading stocks. Although not as good as professional office software, it is still quite good for amateurs. There should be applause here. )