1. Income calculation: within three months from the signing date, the bank will pay the corresponding income according to the number of days when the customer's current account balance is more than or equal to 50,000 yuan. If the balance of the signed current account is more than or equal to 50,000 yuan and less than seven days a day, our bank will pay interest at the one-day notice deposit rate; If the seven-day balance of the signed current account is more than or equal to 50,000 yuan, we will pay interest according to the seven-day notice deposit rate. If the three-month balance of the signed current account is more than or equal to 50,000 yuan, our bank will bear interest at the three-month fixed lump-sum deposit rate.
2. Income return:
The customer's income return is divided into two parts: one part is the current interest calculated by the core banking system at the end of each quarter according to the current interest rate announced by the bank on the same day, and the other part is the difference between the call deposit (or three-month time deposit) and the current interest. At the end of each month, interest is settled according to the interest rate of call deposit (or three-month fixed deposit) on the settlement date, and the difference between the interest rate calculated at the beginning of last month and the interest rate calculated at the end of next month is returned from 10 to the end of the month, and the income is returned to the customer.
On the legal interest settlement date of demand deposits stipulated by the People's Bank of China, when the demand interest rate changes, it is necessary to adjust the paid customer income during the opening period of the new demand interest rate, that is, the deposit interest rate drops and the customer income overcharged by the bank is returned; On the contrary, we will deduct the overpaid customer income from the unpaid customer income. If the next batch of income is not enough to deduct this part of the price difference, the system will automatically record it in the next income declaration form and deduct it again until the price difference is fully deducted.
Case:
Zhang San signed Caiyuntong products on June 65438+1 October1,and the account balance was 50,000 yuan. Since then, the balance has remained at 50,000 yuan (excluding the current interest settlement on March 20), so if the account balance has been above 50,000 yuan within the three-month period:
First interest payment: the interest payment period is from February 10 to the end of the month, and the interest is calculated according to the actual balance of June 1 day and the seven-day notice deposit rate, deducting the current interest of June 1 day in the core system.
Second interest payment: the interest payment time is from March 10 to the end of the month, and the interest is calculated according to the actual daily balance in February and the seven-day notice deposit rate, and the interest of February demand in the core system is deducted.
Third interest payment: the interest payment time is from April 10 to the end of the month, and the interest is calculated according to the actual daily balance from April 1 0 to March and the three-month lump-sum deposit interest rate, after deducting the paid first and second interest and the current interest in March in the core system.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
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