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Method for calculating bank fixed time deposit

A fixed deposit and calculation method technology, applied in the financial field, can solve the problems of depositors' losses, achieve the effects of reducing paper consumption, increasing interest expenses, and saving time

Inactive Publication Date: 2014-03-12
周红春
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, whether it is automatic transfer or agreed transfer, it will bring certain losses to depositors.

Method used

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  • Method for calculating bank fixed time deposit
  • Method for calculating bank fixed time deposit
  • Method for calculating bank fixed time deposit

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0045] Example 1 Calculate the 9-month deposit interest rate according to the interest rate algorithm

[0046] (1) Determining the deposit term x is equal to 9;

[0047] (2) According to the deposit term x =9, choose the fixed deposit method

[0048] Instantly x When ≠3, 6, 12, 36, 60, enter step (4);

[0049] (4) Conversion method based on interest rate

[0050] when 6x which is

[0051] .

Embodiment 2

[0052] Example 2 Calculate the 9-month deposit interest rate according to the deposit period split method

[0053] (1) Determining the deposit term x is equal to 9;

[0054] (2) According to the deposit term x =9, choose the fixed deposit method

[0055] Instantly x When ≠3, 6, 12, 36, 60, enter step (4);

[0056] (4) Calculated by deposit period split method

[0057] Choose step c when 6x x -6=3 then x -6 Calculated at the three-month time deposit rate.

Embodiment 3

[0058] Example 3 Deposit term downshifting method, calculate the 9-month deposit interest rate according to the deposit term split method

[0059] (1) Determining the deposit term x is equal to 9;

[0060] (2) According to the deposit term x =9, choose the fixed deposit method

[0061] That is, when x≠3, 6, 12, 36, 60, enter step (4);

[0062] (4) Downshifting method of deposit period

[0063] Select step c. when 6x <12, the deposit interest rate p is calculated as the six-month fixed deposit interest rate of 3.0%.

[0064] The definition of bank time deposit in the present invention is: a kind of time deposit without setting a deposit term, and the time deposit is split and calculated according to the actual deposit period. There are three interest calculation methods to choose from, one is the interest rate conversion method, the other is the deposit term split method, and the other is the deposit term lower interest rate method. The interest rate conversion method ca...

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Abstract

The method relates to a method for calculating a bank fixed time deposit, in particular to a calculating method for splitting the fixed time deposit according to the real deposit term for the fixed time deposit without the need of setting a deposit term. By the implementation of the deposit calculating method disclosed by the invention, the frequency that a customer redeposits the fixed time deposit is reduced, namely the travel of the customer can be reduced, and the deposit gains of the customer can be increased; the bank deposit structure can be optimized, related vouchers can be simplified, the data storage amount can be reduced, and the operation amount of a casher can be reduced. By the adoption of the deposit calculating method, the social efficiency can be greatly improved, and great social benefit can be brought.

Description

technical field [0001] The invention relates to the financial field, in particular to a method for calculating bank time deposits. . Background technique [0002] At present, there are six types of bank fixed deposits: three months, six months, one year, two years, three years, and five years. Under the current type of bank fixed deposits, depositors will suffer great losses if they do not withdraw due, especially long-term deposits. Because according to the current regulations, early withdrawal will be calculated according to current demand, and this calculation method has caused great losses to the interests of depositors. [0003] Among all banks, CCB implements the automatic transfer policy, that is, how long the deposit is selected, and how long it will automatically transfer the deposit with the principal and interest after maturity; ICBC implements the agreed transfer policy. The time limit can be agreed upon once, and the deposit can be re-deposited according to ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
Inventor 周红春
Owner 周红春
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