China's six major banks, Industrial and Commercial Bank, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications and Postal Savings Bank, all fluctuate slightly according to the deposit interest rate of the central bank. The deposit interest rate of big banks is lower than that of many small and medium-sized banks or regional banks; However, risks are directly proportional to benefits. Large deposit banks have low interest rates and low risks. Small and medium-sized banks or private banks have slightly higher interest rates and greater risks.
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1. The following are the deposit interest rates of the six major domestic banks in 2020: ICBC: demand 0.3%, three-month 1.35%, six-month 1.55%, one-year 1.75%, two-year 2.25%. Agricultural Bank of China: Currently 0.3%. 65438+ 0.75% for one year, 2.25% for two years, 2.75% for three years and 2.75% for five years. Bank of China: current account is 0.3%, three months 1.35%, six months 1.55%, one year 1.75%, two years 2.25%, three years 2.75% and five years 2.75%.
2. Bank of Communications: current account is 0.3%, fixed for three months 1.35%, fixed for six months 1.55%, fixed for one year 1.75%, fixed for two years, fixed for three years, fixed for five years. Postal savings bank: currently 0.3%, three months 1.35%, six months 1.56. Only the Postal Savings Bank is slightly different. The data also shows that the deposit interest rates of major banks in China are relatively stable, and users can choose appropriate banks for specific consultation according to the actual situation. The deposit interest rate of each bank is different. Usually, the deposit interest rates of major banks fluctuate according to the benchmark interest rate of the central bank. At present, the benchmark interest rate of the central bank is: the benchmark interest rate of demand deposits is 0.35%; 2 Time deposit: three-month interest rate1.10%; Semi-annual interest1.30%; The one-year interest rate is1.50%; The two-year interest rate is 2.10%; The three-year interest rate is 2.75%. Deposit interest rate is the standard for calculating deposit interest.