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Investment period:60Day
Financing amount: 100,000 yuan
Starting amount: 1000 yuan
Interest rate inquiry
One-year interest rate: Deposit:1.50% Loan:4.35%
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  • Deng Haiqing
    Deng Haiqing                             Kyushu Securities Global Chief Economist
  • Qi Junjie
    Qi Junjie  Financial columnist, investor
  • Zhu Qibing
    Zhu Qibing Chief Macro Analyst of BOC International Securities
Product area                 Banking wealth management products for sale todayonly                 This year's cumulative offering of bank wealth management productsonly                 Accumulated bank wealth management products this monthonly
                                            ranking                                             product name                                             Issuing bank                                             Issue date                                             Discontinued day                                             Management period (days)                                             Starting amount (yuan)                                             expected profits                                             Comprehensive rating
                                        ranking                                         product name                                         Issuing bank                                         Issue date                                         Discontinued day                                         Management period (days)                                         Starting amount (yuan)                                         expected profits                                         Comprehensive rating
                        Financial Products Expected Income Calculator
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                        The calculator can calculate the expected return amount of the wealth management product by inputting the investment amount, the expected annualized rate of return, and the investment term (days).
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            Data area
  •                         Financial data
  •                         Central bank exchange rate
  •                         Central bank gold and foreign exchange reserves
  •                         currency supply
  •                         RMB one-year interest rate adjustment
  •                         RMB deposit reserve ratio
  •                         Non-performing loans of commercial banks
  •                         Provision and flow of commercial banks
  •                         Total assets and total liabilities of bank financial institutions
  •                         National interbank lending market transactions
                            Term classification statistics (monthly)
  •                         National Interbank Market Bond Repo
                            Term classification statistics (monthly)
Central bank exchange rate
"Exchange rate" is also known as "foreign exchange rate", "foreign exchange market" or "exchange rate". Is the ratio of one currency to another, in one currency representing the price of another. Since the names of currencies in different countries (regions) vary from country to country, one currency has an exchange rate, that is, an exchange rate, for the currencies of other countries (or regions). Generally speaking, the exchange rate of the local currency is lower, that is, the foreign currency's external ratio is lower, which can play a role in promoting exports and suppressing imports. If the exchange rate of the local currency rises, that is, the external ratio of the local currency rises, it is conducive to imports and is not conducive to exports.
Central bank gold and foreign exchange reserves
Foreign Exchange Reserve, also known as foreign exchange reserve, refers to foreign exchange reserves, that is, foreign exchange reserves, which are centrally controlled by central banks and other government agencies in order to meet the needs of international payments. The specific form of foreign exchange reserves is: short-term government deposits abroad or other means of payment that can be cashed abroad, such as foreign securities, foreign bank checks, promissory notes, foreign currency drafts, etc. Mainly used to pay off the balance of payments deficit and to intervene in the foreign exchange market to maintain the exchange rate of the country's currency.
                                    month                                     National foreign exchange reserve                                     Gold reserve
                                    Value (100 million US dollars)                                     Year-on-year growth                                     Growth in the ring                                     Value (10,000 ounces)                                     Year-on-year growth                                     Growth in the ring
currency supply
Money supply refers to the stock of money that a country serves for social and economic operations at a certain point in time. It consists of two parts: the deposit currency and the cash currency supplied by financial institutions including the central bank. Cash in circulation (M0) refers to the sum of cash in the unit and cash held by residents. Narrow money supply (M1) refers to the current deposit of M0 plus the unit's cheques available at the bank. Broad money supply (M2) refers to M1 plus the time deposit of the unit in the bank and the various savings deposits of the urban and rural residents in the bank and the client's deposit of the securities company.
                                    month                                     Currency and quasi money (M2)                                     Currency (M1)                                     Total cash flow (M0)
                                    Value (100 million yuan)                                     Year-on-year growth                                     Growth in the ring                                     Value (100 million yuan)                                     Year-on-year growth                                     Growth in the ring                                     Value (100 million yuan)                                     Year-on-year growth                                     Growth in the ring
One-year interest rate of RMB
The deposit interest rate refers to the currency deposited by the customer into the bank account according to the agreed conditions. The interest amount and the loan amount, that is, the principal interest rate, are within a certain period of time. There are current interest rates and periodic interest rates, with annual/month/day interest rates. The People's Bank of China decided that starting from October 24, 2015, the one-year lending benchmark interest rate of financial institutions will be lowered by 0.25 percentage points to 4.35%; the one-year deposit benchmark interest rate will be lowered by 0.25 percentage points to 1.5%. For commercial banks and rural cooperative financial institutions, there is no longer a floating ceiling for deposit interest rates.
                                    effective date                                     Deposit benchmark interest rate                                     Loan benchmark interest rate
                                    before fixing                                     adjusted                                     Adjustment range                                     before fixing                                     adjusted                                     Adjustment range
RMB deposit reserve ratio
Deposit reserve refers to the deposits made by financial institutions in order to ensure customers' withdrawal of deposits and fund clearing. The ratio of deposit reserve required by the central bank to its total deposit is the deposit-reserve ratio. The People's Bank of China decided that since March 1, 2016, the RMB deposit reserve ratio of financial institutions was generally lowered by 0.5 percentage points in order to maintain a reasonable and sufficient liquidity in the financial system, guide the steady and moderate growth of money and credit, and create a supply-side structural reform. A suitable monetary and financial environment.
                                    Announcement date                                     effective date                                     Deposit reserve ratio of large financial institutions                                     Small and medium financial institutions deposit reserve ratio
                                    before fixing                                     adjusted                                     Adjustment range                                     before fixing                                     adjusted                                     Adjustment range
                            Non-performing loans of commercial banks
                     Non-performing loan ratio refers to the proportion of non-performing loans of financial institutions to the total loan balance. Non-performing loans refer to the five categories of normal, concern, secondary, suspicious and loss based on the risk basis when assessing the quality of bank loans. The latter three categories are collectively referred to as non-performing loans. The non-performing loan ratio of financial institutions is one of the important indicators for evaluating the security status of financial institutions' credit assets. The ratio of non-performing loans is high, and the proportion of loans that may not be recovered to the total loans is larger; the rate of non-performing loans is low, indicating that the proportion of financial institutions that cannot recover loans as a percentage of total loans is smaller.
                                    Quarter                                     Bad debt                                     Subprime loan                                     Suspicious loan                                     Loss loan
                                    Value (100 million yuan)                                     Proportion                                     Value (100 million yuan)                                     Proportion                                     Value (100 million yuan)                                     Proportion                                     Value (100 million yuan)                                     Proportion
Provision and flow of commercial banks
Bank provision refers to the provision made by financial enterprises for financial assets that bear risks and losses, including asset impairment provisions and general preparations. Asset impairment provision refers to the provision for the financial enterprise to make up the current value of its estimated future cash flow below the book value, which is included in the cost of the financial enterprise and used to make up for the loss of the asset. General preparation refers to the provision made by the financial enterprise from the net profit to partially compensate for the unrecognized loss of possibility. The liquidity of commercial banks refers to the ability of commercial banks to satisfy depositors' withdrawal of cash, payment of debts due and normal loan needs of borrowers.
                                    Quarter                                     Provision coverage                                     Liquidity ratio
Total assets and total liabilities of bank financial institutions
Commercial bank assets are resources formed by commercial banks' past transactions or events that are owned or controlled by commercial banks and are expected to bring economic benefits to commercial banks. The main contents include lending, investment, leasing, trading foreign exchange, discounted bills, etc. The most important ones are loans and investments. A liability is a debt that a bank assumes by credit and will be measured in monetary assets or capital. Deposits and subsistence payments are the main liabilities of banks, accounting for more than 80% of the source of funds. In addition, deposits, interbank deposits, borrowing or disbursement of funds or issuance of bonds also constitute liabilities of banks.
                                     Quarter                                     Total assets                                     total liability
                                    Value (100 million yuan)                                     Year-on-year growth                                      Value (100 million yuan)                                     Year-on-year growth
National interbank lending market transactions
The interbank borrowing market refers to the market for short-term capital borrowing between banks. Banks often have insufficient positions or surpluses in their daily business activities. In order to support each other's normal business development and make short-term gains in excess funds, banks will naturally generate capital lending transactions between banks.
                                    Variety                                     Trading volume (100 million yuan)                                     Weighted average interest rate
National Interbank Market Bond Repo
Inter-bank repurchase, mainly for the bond market, China's interbank bond market was established on the basis of the national interbank lending center. It is an important over-the-counter market in China. Its participants are mainly banks and non-bank financial institutions, mainly banks, securities companies, asset management companies and so on. A bond repurchase transaction refers to the act of the buyer and the seller at the same time as the transaction, at the same time, to negotiate a reverse transaction at a certain price in the future.
                                    Types of                                     Transaction amount (100 million yuan)                                     Weighted average interest rate
            Bank yellow page Contact: Ge Wenjing phone:010-83363252 Submission email:Licai@jrj.com.cn
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