Types of deposits: benchmark interest rate announced by the People's Bank of China (%) and interest rate after bank of qinghai's floating (%).
I. Demand deposit 0.350.35
Second, time deposits.
time deposit of lump-sum deposit and withdrawal
three months
1. 10
1.54
six months
1.30
1.82
1 year
1.50
2. 10
It's been two years.
2. 10
2.73
three years
2.75
3.575
five years
4.05
(2) lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, and deposit and withdrawal interest.
1 year
1. 10
1.43
three years
1.30
1.69
five years
2.05
(3) Life and work.
A 40% discount on the interest rate of the same grade will be offered on a regular basis within one year.
Three. Agreement deposit
1. 15
1.265
4. Notice deposit
one day
0.80
0.880
seven days
1.35
1.485
Extended data
1.In 2020, faced with the complicated internal and external situation and the impact of the COVID-19 epidemic, bank of qinghai adhered to the general tone of striving for progress while maintaining stability, made great efforts to deepen the structural reform on the supply side, solidly carried out the "six guarantees" work, fully implemented the "six guarantees" task, made overall plans to promote epidemic prevention and control and business development, and achieved steady operation. At the end of 2020, the bank's total assets were 65.438+004.788 billion yuan, an increase of 65.438+0492 billion yuan compared with the end of 2065.438+09. The balance of various deposits was 70.46 billion yuan, an increase of 2.446 billion yuan compared with the end of 20 19. The balance of various loans was 60199.8 million yuan, an increase of 4133 million yuan compared with the end of 20 19. The net profit was 4.865438 billion yuan. The long-term credit rating of the subject reaches AA+. While realizing its own development, bank of qinghai actively benefits the society and shareholders with its development achievements. In 2020, * * * will pay various taxes and fees of 406 million yuan, and find a bonus of 65.438+22 million yuan to shareholders. Bank of qinghai/KLOC was selected as one of the top 50 enterprises in Qinghai in 0/2 and won the title of "Best 2 Retail Banks" in the 3rd National Retail Finance Innovation Practice Award. Many outlets have been rated as national star-rated outlets with civilized and standardized banking services, and Chengxi Sub-branch has successively won the titles of "Top 100 National Safety Management Units" and "China Banking Safety Management Advanced Unit".
2. In the face of the extreme test brought by the COVID-19 epidemic, bank of qinghai resolutely implemented the decision-making arrangements of the CPC Central Committee, the State Council and the financial regulatory authorities on epidemic prevention and control, resolutely regarded epidemic prevention and control as a major political task, resolutely shouldered the main responsibility of epidemic prevention and control, handled special matters and urgent matters, solidly carried out the "six guarantees" work, fully implemented the "six guarantees" task, effectively played the role of financial services to support and guarantee, and fully assisted the epidemic prevention and control and resumed production. In order to shorten the approval chain during the epidemic, more than 30 "warm enterprises" measures were introduced to ensure that the "dividends" of various policies were implemented. At the same time, for enterprises affected by the epidemic, we will actively implement differentiated credit policies, open up green credit service channels, and do a good job in renewing loans to ensure that all kinds of financial services are "not closed". For small and micro enterprises, individual industrial and commercial households and small and micro enterprise owners affected by the epidemic, we launched the "Resumption of Work Loan" and the self-operated product "Yin Qing Catering Resumption of Work Loan", with the lowest preferential interest rate, which "speeded up" the resumption of production for small and micro enterprises. In 2020, a total of 290 1, 365,438+700 million yuan, 162, 65,438+830,000 yuan were granted, achieving a profit of 57.07 million yuan, effectively reducing the financing cost of enterprises and improving the coverage of private microfinance. In addition, the "Return to Work Loan" product won the honorary title of "Excellent Case" in the 2020 Financial Services SME Case Collection. According to the requirements of the provincial party Committee and the provincial government for the healthy consumption activities of Huimin warm enterprises, the plan to support the resumption of work and production and promote consumption was formulated at the first time. Relying on the "credit tool+payment tool", we will actively carry out various healthy consumption activities of Huimin warm enterprises by means of innovative products, reduced fees and benefits, and preferential payment. During the event, residents were subsidized to spend 21336,500 yuan on food and beverage, which was fully affirmed by the provincial party Committee and government. While the whole country is going all out to fight the epidemic, bank of qinghai actively responded to the call of the CPC Central Committee. Do not forget your initiative mind bravely undertook the mission and donated 6 million yuan of special funds for epidemic prevention and control to the Red Cross Society of Qinghai Province. Party member members of the Bank made a voluntary donation of 6,543,800+0,073,000 yuan, all of which were used for epidemic prevention and control, and contributed to the Communist Youth League winning the tough battle of epidemic prevention and control.
3. As a local bank rooted in Qinghai, bank of qinghai has never forgotten its initial intention and mission of serving the real economy, adhered to its orientation and positive actions, adhered to the new development concept, focused on financial support for supply-side structural reform, and made great efforts to develop inclusive finance, green finance, people's livelihood finance and technology and finance. According to the strategic deployment of the province's economic development, on the premise of maintaining a reasonable growth in credit scale and effectively increasing the proportion of direct financing, We will increase support for major national strategies and infrastructure construction, new urbanization, industrial park development, industrial economy, new energy and new materials, such as "One Belt and One Road" and "Western Development", and actively participate in extricating key state-owned enterprises from difficulties. We will continue to build "small and micro enterprise partner banks" and "urban and rural residents' love banks", and focus on supporting the development of weak links such as private small and micro enterprises, agriculture, rural areas and farmers, agriculture and animal husbandry, financial precision poverty alleviation, ecological civilization construction and household consumption by increasing capital investment, optimizing institutional mechanisms and promoting financial innovation. Do not forget the initial intention and mission of serving the real economy, adhere to the direction and act positively, and constantly promote financing facilitation, reduce the cost of the real economy, improve the ability of resource allocation, and do everything possible to support the development of the real economy through four measures: taking advantage of the trend in the direction, enjoying the concept and innovating the service mode. In 2020, a total of 57.28 billion yuan of various funds will be invested.