Is the interest rate of Inner Mongolia Credit Cooperatives higher in 223 than in 2022?

The central bank will not decide to lower the benchmark interest rates of RMB loans and deposits of financial institutions from 20 15 to124, so as to further accelerate the interest rate marketization reform.

Adjust the benchmark interest rates for loans and deposits of financial institutions.

(1) Reduce the benchmark interest rate of RMB loans of financial institutions. Among them, the one-year loan interest rate was lowered from the current 4.6% to 4.35%, down by 0.25 percentage point; The loan interest rates of other grades will also be adjusted accordingly.

(2) Reduce the benchmark interest rate of RMB deposits of financial institutions. Among them, the one-year deposit interest rate was lowered from the current 1.75% to 1.5%, down by 0.25 percentage point; The interest rates of other grades of deposits will be adjusted accordingly. The deposit interest rate remains unchanged.

(3) Reduce the deposit interest rate of individual housing provident fund. Among them, the deposit interest rate of individual housing provident fund collected in that year remained unchanged at 0.35%; The deposit interest rate of individual housing provident fund carried forward from the previous year was lowered from the current 1.35% to 1. 1%, down by 0.25 percentage point. The interest rate of individual housing provident fund loans remains unchanged.

On the evening of April 15, 2022, the central bank decided to comprehensively reduce the deposit reserve ratio of financial institutions by 0.25 percentage points on April 25 (excluding financial institutions that have implemented the deposit reserve ratio of 5%), releasing long-term funds of about 530 billion yuan.

On February 6, 2023,65438 In order to support the development of the real economy and promote the steady decline of the cost of financial integration, the central bank decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points (except for financial institutions that have implemented the deposit reserve ratio of 5%). After this reduction, the weighted average deposit reserve ratio of financial institutions is 8.4%.

On July 9, 2023, the central bank decided to reduce the deposit reserve ratio of financial institutions by 0.5 percentage points on July 15, 2023 (except for financial institutions that have implemented the deposit reserve ratio of 5%). After this reduction, the weighted average deposit reserve ratio of financial institutions is 8.9%.

What is the time deposit interest rate of rural credit cooperatives in 2022?

Rural credit cooperatives time deposit interest rate 2022:

1. The annual interest rate of demand deposit is 0.385%;

2. Time deposit

(1) lump sum deposit and lump sum withdrawal is 2.86% for three months, 3.08% for six months, 3.30% for one year, 3.75% for two years, 4.25% for three years and 4.75% for five years.

(2) lump sum deposit and withdrawal, 2.86% for one year, 3.08% for three years and 3.30% for five years.

③ Term and term loans with the same interest rate within one year will be given a discount of 60%.

The floating interest rate of fixed deposits of rural credit cooperatives: three months 1.485%, six months 1.755%, 2.025% for one year, 2.835% for two years, 3.7 12% for three years and 4.05% for five years.

Extended data:

Rural credit cooperatives (rural credit cooperatives in English) refer to the rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.

Rural credit cooperatives are independent enterprise legal persons, which are responsible for the debts of rural credit cooperatives with all their assets and enjoy civil rights according to law. Its property, legitimate rights and interests and business activities carried out according to law are protected by state laws. Its main task is to raise idle funds in rural areas and provide financial services for agriculture, farmers and rural economic development. In accordance with national laws and financial policies, organize and standardize rural funds, support agricultural production and comprehensive rural development, support various forms of cooperative economy and family economy, and limit and crack down on usury.

Rural credit cooperatives are divided into the following departments: Rural Credit Cooperatives, International Finance Department of Rural Credit Cooperatives, Zhengtong Rural Credit Cooperatives Training School and Credit Department of Rural Credit Cooperatives, which are under the dual leadership of CBRC and the State Council.

Rural credit cooperatives are banking financial institutions. The so-called banking financial institutions are also called deposit institutions and deposit currency banks. Their common feature is that deposits are the main liabilities, loans are the main assets, and transfer settlement is the main intermediary business, which directly participates in the creation process of deposit currency.

Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are groups where individuals unite to raise funds.

Interest rate of fixed deposits of rural credit cooperatives in 2022

Interest rate of fixed deposits of rural credit cooperatives in 2022:

The lump sum deposit is 2.86% for three months, 3.08% for six months, 3.30% for one year, 3.75% for two years, 4.25% for three years and 4.75% for five years.

The lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, and deposit interest are 2.86% for one year, 3.08% for three years and 3.30% for five years.

If you have a regular job, you will get a 60% discount at the same level interest rate regularly within one year.

The floating interest rate of fixed deposits of rural credit cooperatives: three months 1.485%, six months 1.755%, 2.025% for one year, 2.835% for two years, 3.7 12% for three years and 4.05% for five years. The deposit interest rate is the ratio of interest amount to deposit amount in a certain period. Also known as deposit interest rate. Is the standard for calculating deposit interest. There are annual interest rate, monthly interest rate and daily interest rate (also called annual interest rate, monthly interest rate and daily interest rate). The annual interest rate is expressed as a percentage of the principal, and the monthly interest rate is expressed as a percentage of the principal; The daily interest rate is expressed as a few ten thousandths of the principal. China used to call the interest rate a few cents. The deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting the cost of banks. China's deposit interest rate is determined by the state according to objective economic conditions, currency circulation, supply and demand of market materials, and taking into account the interests of all parties.