Mintai deposit certificate interest rate in 2022

2022 mintai bank deposit interest rate

Target annual interest rate

(1) Current deposit 0.30

(2) Time deposit

Three months 1.54

Six months 1.82

A year 2. 10

2.75 pounds for two years

Three years 3.40

Five years 3.40

(III) Agreed deposit 1.495

(4) Notice deposit

0.800 a day

Seven days 1.755

Deposit refers to the depositor's temporary transfer or deposit of funds or currency in banks or other financial institutions, or the temporary transfer of the right to use funds or currency to banks or other financial institutions. It is the most basic and important financial behavior or activity and the most important source of credit funds for banks.

Deposit type

Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits, time deposits, time deposits and convenience deposits, and according to different depositors, it can be divided into corporate deposits and personal deposits (taking China as an example). Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks.

time deposit

It refers to the deposit that the depositor can only withdraw money on the specified date after the deposit or must notify the bank a few days before the withdrawal. The term varies from 3 months to 5 years, and from 10 year. Generally speaking, the longer the deposit term, the higher the interest rate.

Time deposit is a kind of deposit in which 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.

current deposit

It refers to a kind of bank deposit that depositors can access and transfer money at any time without prior notice. Its forms include 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.

deposit at notice

Call deposit is a kind of deposit with no agreed term, and can only be withdrawn after notifying the bank in advance and agreeing on the date and amount of withdrawal.

No matter how long the actual deposit period is, individual notice deposits can be divided into one-day notice deposits and seven-day notice deposits according to the length of advance notice of depositors.

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 50,000 yuan, and the minimum initial deposit amount of foreign currency is equivalent to 1 1,000 US dollars (banks can consult local banks for the initial deposit amount).