银行存款利率》 基准利率计算器(利息计算器)
输入条件
输入金额:
存款银行:
存款周期:
存款利率:
%
 
存款利息计算结果
利息:
本息合计:
最新基准利率查询
2019-10-19 23:59:52 更新

最新央行基准利率调整为——活期存款利率:0.35%;一年定期存款利率(整存整取):1.50%;以下是央行近年调整存款利率历史详情表:


日期 活期 定期(整存整取) 定期(零存整取) 协定存款 一天通知存款 七天通知存款
3个月 6个月 一年 二年 三年 五年 一年 三年 五年
2015-10-24 0.35% 1.10% 1.30% 1.50% 2.10% 2.75% --% 1.10% 1.30% --% 1.15% 0.80% 1.35%
2015-08-26 0.35% 1.35% 1.55% 1.75% 2.35% 3.00% --% 1.35% 1.55% --% 1.15% 0.80% 1.35%
2015-06-28 0.35% 1.60% 1.80% 2.00% 2.60% 3.25% --% 1.60% 1.80% --% 1.15% 0.80% 1.35%
2015-05-11 0.35% 1.85% 2.05% 2.25% 2.85% 3.50% --% 1.85% 2.05% --% 1.15% 0.80% 1.35%
2015-03-01 0.35% 2.10% 2.30% 2.50% 3.10% 3.75% --% 2.10% 2.30% --% 1.15% 0.80% 1.35%
2014-11-22 0.35% 2.35% 2.55% 2.75% 3.35% 4.00% 4.75% 2.35% 2.55% 2.75% 1.15% 0.80% 1.35%
2012-07-06 0.35% 2.60% 2.80% 3.00% 3.75% 4.25% 4.75% 2.60% 2.80% 3.00% 1.15% 0.80% 1.35%
2012-06-08 0.40% 2.85% 3.05% 3.25% 4.10% 4.65% 5.10% 2.85% 3.05% 3.25% 1.21% 0.85% 1.39%
2011-07-07 0.50% 3.10% 3.30% 3.50% 4.40% 5.00% 5.50% 3.10% 3.30% 3.50% 1.31% 0.95% 1.49%
2011-04-06 0.50% 2.85% 3.05% 3.25% 4.15% 4.75% 5.25% 2.85% 3.05% 3.25% 1.31% 0.95% 1.49%
2011-02-09 0.40% 2.60% 2.80% 3.00% 3.90% 4.50% 5.00% 2.60% 2.80% 3.00% 1.21% 0.85% 1.39%
2010-12-26 0.36% 2.25% 2.50% 2.75% 3.55% 4.15% 4.55% 2.25% 2.50% 2.75% 1.17% 0.81% 1.35%
2010-10-20 0.36% 1.91% 2.20% 2.50% 3.25% 3.85% 4.20% 1.91% 2.20% 2.50% 1.17% 0.81% 1.35%
2008-12-23 0.36% 1.71% 1.98% 2.25% 2.79% 3.33% 3.60% 1.71% 1.98% 2.25% 1.17% 0.81% 1.35%
2008-11-27 0.36% 1.98% 2.25% 2.52% 3.06% 3.60% 3.87% 1.98% 2.25% 2.52% 1.17% 0.81% 1.35%
2008-10-30 0.72% 2.88% 3.24% 3.60% 4.14% 4.77% 5.13% 2.88% 3.24% 3.60% 1.53% 1.17% 1.71%
2008-10-15 0.72% 3.15% 3.51% 3.87% 4.41% 5.13% 5.58% 3.15% 3.51% 3.87% 1.53% 1.17% 1.71%
2008-10-09 0.72% 3.15% 3.51% 3.87% 4.41% 5.13% 5.58% 3.15% 3.51% 3.87% 1.53% 1.17% 1.71%
2007-12-21 0.72% 3.33% 3.78% 4.14% 4.68% 5.40% 5.85% 3.33% 3.78% 4.14% 1.53% 1.17% 1.71%
2007-09-15 0.81% 2.88% 3.42% 3.87% 4.50% 5.22% 5.76% 2.88% 3.42% 3.87% 1.53% 1.17% 1.71%
2007-08-22 0.81% 2.61% 3.15% 3.60% 4.23% 4.95% 5.49% 2.61% 3.15% 3.60% 1.53% 1.17% 1.71%
2007-07-21 0.81% 2.34% 2.88% 3.33% 3.96% 4.68% 5.22% 2.34% 2.88% 3.33% 1.53% 1.17% 1.71%
2007-05-19 0.72% 2.07% 2.61% 3.06% 3.69% 4.41% 4.95% 2.07% 2.61% 3.06% 1.44% 1.08% 1.62%
2007-03-18 0.72% 1.98% 2.43% 2.79% 3.33% 3.96% 4.41% 1.98% 2.43% 2.79% 1.44% 1.08% 1.62%
2006-08-19 0.72% 1.80% 2.25% 2.52% 3.06% 3.69% 4.14% 1.80% 2.25% 2.52% 1.44% 1.08% 1.62%
2004-10-29 0.72% 1.71% 2.07% 2.25% 2.70% 3.24% 3.60% 1.71% 2.07% 2.25% 1.44% 1.08% 1.62%
2002-02-21 0.72% 1.71% 1.89% 1.98% 2.25% 2.52% 2.79% 1.71% 1.89% 1.98% 1.44% 1.08% 1.62%
1999-06-10 0.99% 1.98% 2.16% 2.25% 2.43% 2.70% 2.88% 1.98% 2.16% 2.25% 1.71% 1.35% 1.89%
1998-12-07 1.44% 2.79% 3.33% 3.78% 3.96% 4.14% 4.50% 3.33% 3.78% 4.14% 2.16% 1.80% 2.34%
1998-07-01 1.44% 2.79% 3.96% 4.77% 4.86% 4.95% 5.22% 3.96% 4.77% 4.95% --% --% --%
1998-03-25 1.71% 2.88% 4.14% 5.22% 5.58% 6.21% 6.66% 4.14% 5.22% 6.21% --% --% --%
1997-10-23 1.71% 2.88% 4.14% 5.67% 5.94% 6.21% 6.66% 4.14% 5.67% 6.21% --% --% --%
1996-08-23 1.98% 3.33% 5.40% 7.47% 7.92% 8.28% 9.00% 5.40% 7.47% 8.28% --% --% --%
1996-05-01 2.97% 4.86% 7.20% 9.18% 9.90% 10.80% 12.06% 7.20% 9.18% 10.80% --% --% --%
1993-07-11 3.15% 6.66% 9.00% 10.98% 11.70% 12.24% 13.86% 9.00% 10.98% 12.24% --% --% --%
1993-05-15 2.16% 4.86% 7.20% 9.18% 9.90% 10.80% 12.06% 7.20% 9.18% 10.80% --% --% --%
1991-04-21 1.80% 3.24% 5.40% 7.56% 7.92% 8.28% 9.00% 6.12% 6.84% 7.56% --% --% --%
1990-08-21 2.16% 4.32% 6.48% 8.64% 9.36% 10.08% 11.52% 7.20% 8.64% 10.08% --% --% --%
1990-04-15 2.88% 6.30% 7.74% 10.08% 10.98% 11.88% 13.68% --% --% --% --% --% --%

整存整取:指开户时约定存期,一次性存入,介时一次性支取本息的一种个人存款方式。五十元起存,多存不限。存期分三个月、六个月、一年、二年、三年和五年。

零存整取:指约定存期、每月固定存款、到期一次支取本息的一种储蓄。一般每月五元起存。存期分一年、三年和五年。开户手续与活期储蓄相同,只是每月要按开户时的金额进行续存。储户提前支取时的手续比照整存整取定期储蓄存款有关手续办理。一般五元起存,每月存入一次,中途如有漏存,应在次月补齐。

利息计算公式:利息=本金×存期×利率;例如存款是100元,存期是1年,一年定期存款利率是2%,利息=100×1年×2%=2元,本息=100+2=102元。

中国人民银行(央行)一年定期存款基准利率历史走势图

央行基准利率走势图