In April 2022, a new interest statement for RMB deposits of various domestic banks was established
Deposit refers to a form of savings in which depositors deposit cash into a time savings account opened by a banking institution, agree in advance to take a fixed term as the savings time, receive a return at a higher interest rate than the demand deposit, and receive principal and interest after expiration.
Time deposits are the funds or currency that depositors temporarily transfer to the bank under the condition of retention of title, and are the most important source of credit funds for banks.
Note: If the depositor withdraws a term deposit before the agreed savings period is reached, the bank will usually handle the business in the same way as a demand deposit. Depositors are often required to notify the bank one day in advance of the request to make an appointment to withdraw before they need to collect a large deposit, in case the bank reserves enough cash to pay for it.
Folding related concepts
1. Documents:
There are usually two kinds of documents for time deposits: "certificate of deposit" and "time passbook"
2. Type:
Generally, according to the deposit term, it is divided into 3 months, 6 months, one year, three years, etc.
3. Interest Rate:
The interest rate on a time deposit is the rate of return that a bank pays to a depositor on the amount of time deposit.
4. Extraction method:
(1) Withdraw the full amount at maturity and settle the principal and interest at the prescribed interest rate at one time;
(2) The full amount is withdrawn in advance, and the bank pays interest according to the interest rate of the demand deposit announced on the date of withdrawal;
(3) Part is withdrawn in advance, the extracted part is calculated according to the current period, and the remaining is still calculated according to the regular period.
Usually, the interest rate of a fixed deposit varies depending on the number of years
Rmb deposit interest rate tables of various banks
| Bank | demand deposit | Time Deposits (Enclaves) | |||||
| trimester | Half | One year | Two years | Three years | Five years | ||
| Bank of East Asia | 0.300 | 1.375 | 1.625 | 1.875 | 2.350 | 2.750 | 2.000 |
| Guangfa Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.400 | 3.100 | 3.200 |
| Everbright Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.410 | 2.750 | 3.000 |
| Industrial and Commercial Bank of China | 0.300 | 1.350 | 1.550 | 1.750 | 2.250 | 2.750 | 2.750 |
| HSBC | 0.250 | 0.5000 | 0.5500 | 0.5500 | |||
| Huaxia Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.400 | 3.100 | 3.200 |
| China Construction Bank | 0.300 | 1.350 | 1.550 | 1.750 | 2.250 | 2.750 | 2.750 |
| Bank of Communications | 0.300 | 1.350 | 1.550 | 1.750 | 2.250 | 2.750 | 2.750 |
| Minsheng Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.350 | 2.800 | 2.800 |
| Bank of Ningbo | 0.300 | 1.500 | 1.750 | 2.000 | 2.400 | 2.800 | 3.250 |
| Bank of Nanjing | 0.300 | 1.400 | 1.650 | 1.900 | 2.520 | 3.150 | 3.300 |
| Abc | 0.300 | 1.350 | 1.550 | 1.750 | 2.250 | 2.750 | 2.750 |
| Ping An Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.500 | 2.800 | 2.800 |
| Shanghai Pudong Development Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.400 | 2.800 | 2.800 |
| Bank of China | 0.300 | 1.350 | 1.550 | 1.750 | 2.250 | 2.750 | 2.750 |
| China Merchants Bank | 0.300 | 1.350 | 1.550 | 1.750 | 2.250 | 2.750 | 2.750 |
| China CITIC Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.400 | 3.000 | 3.000 |
| Hengfeng Bank | 0.350 | 1.430 | 1.690 | 1.950 | 2.500 | 3.100 | 3.100 |
| Bohai Bank | 0.350 | 1.430 | 1.690 | 1.950 | 2.650 | 3.250 | 3.200 |
| Huishang Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.500 | 3.250 | 3.250 |
| Bank of Dongguan | 0.300 | 1.320 | 1.430 | 2.050 | 2.520 | 3.500 | 3.550 |
| Hankou Bank | 0.350 | 1.650 | 1.950 | 2.250 | 2.940 | 3.575 | 3.900 |
| Fujian Strait Bank | 0.380 | 1.550 | 1.850 | 2.100 | 2.900 | 3.850 | 4.000 |
| Bank of Jiangsu | 0.300 | 1.400 | 1.670 | 1.920 | 2.520 | 3.100 | 3.150 |
| Bank of Hangzhou | 0.300 | 1.430 | 1.690 | 2.030 | 2.520 | 3.080 | 3.250 |
| Bank of Chengdu | 0.385 | 1.540 | 1.820 | 2.100 | 2.940 | 3.850 | 4.200 |
| Harbin Bank | 0.350 | 1.430 | 1.690 | 1.950 | 2.730 | 3.500 | 3.850 |
| Xiamen International Bank | 0.420 | 2.000 | 2.300 | 2.600 | 3.300 | 4.200 | 4.550 |
| Guilin Commercial Bank | 0.350 | 1.540 | 1.820 | 2.100 | 2.940 | 3.850 | 4.000 |
| Fudian Bank | 0.300 | 1.400 | 1.600 | 1.950 | 2.450 | 3.000 | 3.100 |
| Bank of Dalian | 0.350 | 1.350 | 1.690 | 1.950 | 2.730 | 3.200 | 3.850 |
| Bank of Guangzhou | 0.300 | 1.400 | 1.650 | 1.950 | 2.520 | 3.000 | 3.150 |
| Bank of Quanzhou | 0.350 | 1.550 | 1.850 | 2.100 | 2.940 | 3.950 | 4.015 |
| Liuzhou Bank | 0.350 | 1.550 | 1.850 | 2.100 | 2.940 | 3.950 | 4.015 |
| Bank of Tianjin | 0.300 | 1.430 | 1.690 | 1.950 | 2.650 | 3.300 | 3.300 |
| Bank of Chongqing | 0.385 | 1.600 | 1.890 | 2.180 | 3.050 | 3.990 | 3.990 |
| Bank of Qingdao | 0.300 | 1.430 | 1.690 | 1.950 | 2.625 | 3.575 | 3.850 |
| Bank of Wenzhou | 0.300 | 1.540 | 1.820 | 2.100 | 2.940 | 3.850 | 3.850 |
| Qilu Bank | 0.300 | 1.430 | 1.690 | 1.950 | 2.625 | 3.4375 | 3.850 |
| Changsha Bank | 0.385 | 1.595 | 1.885 | 2.175 | 3.045 | 3.9875 | 3.9875 |
| Bank of Nanchang | 0.300 | 1.540 | 1.820 | 2.100 | 2.520 | 3.300 | 3.600 |
| Bank of Taizhou | 0.350 | 1.540 | 1.820 | 2.100 | 2.940 | 3.850 | 3.850 |
| Shengjing Bank | 0.380 | 1.450 | 1.710 | 1.980 | 2.770 | 3.650 | 4.290 |
| Shenzhen Rural Commercial Bank | 0.300 | 1.400 | 1.650 | 1.950 | 2.500 | 2.900 | 3.300 |
| Changshu Rural Commercial Bank | 0.300 | 1.441 | 1.690 | 1.950 | 2.730 | 3.575 | 3.575 |
| Tianjin Rural Commercial Bank | 0.350 | 1.430 | 1.690 | 1.950 | 2.730 | 3.575 | 3.575 |
| Standard Chartered Bank | 0.300 | 1.350 | 1.550 | 1.750 | 2.250 | 2.350 |
Note: The interest rate on the official website and the interest rate implemented by the actual local bank may be a little different, so the above interest rate is for reference only, please consult the counter of each bank branch for specific details, do not make any suggestions, and the interest rate published by the business hall of the local bank shall prevail