1. The loan interest rate of China People's Bank for the same period is 20 14.
2014165438+1before October 22nd: 5.60% for 6 months (inclusive); 1 year (inclusive) is 6.00%; 1-3 years (inclusive) is 6.15%; 3-5 years (inclusive) is 6.40%; 5 years and above is 6.55%.
2065438+2004165438+2210 month is adjusted to: 6 months (inclusive) is 5.60%; 1 year (inclusive) is 5.60%; 1-3 years (inclusive) is 6.00%; 3-5 years (inclusive) is 6.00%; More than 5 years is 6. 15%.
Second, the loan interest rate.
The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate in China is managed by the People's Bank of China, and the interest rate determined by the People's Bank of China is implemented after being approved by the State Council. The loan interest rate directly determines the profit distribution ratio between the borrowing enterprise and the bank, thus affecting the economic interests of both borrowers and lenders. The loan interest rate varies with the types and duration of loans, and it is also related to the scarcity of borrowing funds.
Third, the principle of loan.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
What is the interest rate of 20 14 bank loan?
As of February 20 19, 19, the People's Bank of China stipulated that the benchmark interest rate for short-term loans within one year (including one year) was 4.35%, and that for medium-and long-term loans from one year to five years (including five years) was 4.75%, and that for more than five years was 4.9%. Personal provident fund housing loans for less than five years (including five years) are 2.75% and 3.25% for more than five years.
The interest rate in China is managed by the People's Bank of China. The bank loan interest rate refers to the benchmark interest rate stipulated by the People's Bank of China. The actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate, and the loan interest rates of different banks and different regions will be different.
Extended data
As of February 20 19, the current benchmark interest rate for demand deposits is 0.35%, the interest rate for three-month time deposits is 1. 1%, the interest rate for six-month time deposits is 1.3%, and the interest rate for one-year time deposits is 1.5%.
Taking China Agricultural Bank as an example, the interest rate of 20 19-year fixed deposit of China Agricultural Bank is as follows: three-month interest rate1.43%; The six-month interest rate is:1.69%; The one-year interest rate is:1.95%; The two-year interest rate is 2.73%; The three-year interest rate is: 3.30%; The five-year interest rate is: 3.58%. (As of February 8, 20 19, 19)