加载中…银行也有算错利息的时候
(2013-10-09 19:49:05)
标签：
七天时候利息实际年期财经 |
分类： 家庭 |
今天中午去中国银行取存款，是一笔2009年10月8日存入的23400元一年期定期的钱。2009年10月8日至今一年期利率分别是2009年10月8日，2.25%；2010年10月8日，2.25%；2011年10月8日，3.5%；2012年10月8日，3.5%。按利滚利的计算办法，详细的计算利息的值应该是这样的。
四整年的定期利息：23400元*（1+2.25%）*（1+2.25%）*（1+3.5%）*（1+3.5%）=26207.35元
1天的活期利息：26207.35元*0.35%/365=0.25元
合计应得利息为26207.60元，但是我实际取得的26144.29元，相差了63.31元。如果我按2011年10月8日的利息是3.25%计算，即23400元*（1+2.25%）*（1+2.25%）*（1+3.25%）*（1+3.5%）=26144.04元，加上0.25元利息，正好是26144.29元，一分不多，一分不少。这应该是中国银行算错了利息了，为了这63元钱，作为普通老百姓，你可能去银行算账吗？没有办法，谁让我们是平民百姓呢？银行ATM机上多吐出钱，我们要负责收好，这不是银行的错，银行不应该负责的，而我们老百姓如果拿了这个钱，就是犯法，晕。
附人民币历史存款利率（1990.04.15-2012.06.08）
|
利率存期 |
活期 |
定期 |
通知存款 |
||||||
|
时间 |
活期 |
三个月 |
六个月 |
一年 |
二年 |
三年 |
五年 |
一天 |
七天 |
|
1990.04.15 |
2.88% |
6.30% |
7.74% |
10.08% |
10.98% |
11.88% |
13.68% |
无 |
无 |
|
1990.08.21 |
2.16% |
4.32% |
6.48% |
8.64% |
9.36% |
10.08% |
11.52% |
无 |
无 |
|
1991.04.21 |
1.80% |
3.24% |
5.40% |
7.56% |
7.92% |
8.28% |
9.00% |
无 |
无 |
|
1993.05.15 |
2.16% |
4.86% |
7.20% |
9.18% |
9.90% |
10.80% |
12.06% |
无 |
无 |
|
1993.07.11 |
3.15% |
6.66% |
9.00% |
10.98% |
11.70% |
12.24% |
13.86% |
无 |
无 |
|
1996.05.01 |
2.97% |
4.86% |
7.20% |
9.18% |
9.90% |
10.80% |
12.06% |
无 |
无 |
|
1996.08.23 |
1.98% |
3.33% |
5.40% |
7.47% |
7.92% |
8.28% |
9.00% |
无 |
无 |
|
1997.10.23 |
1.71% |
2.88% |
4.14% |
5.67% |
5.94% |
6.21% |
6.66% |
无 |
无 |
|
1998.03.25 |
1.71% |
2.88% |
4.14% |
5.22% |
5.58% |
6.21% |
6.66% |
无 |
无 |
|
1998.07.01 |
1.44% |
2.79% |
3.96% |
4.77% |
4.86% |
4.95% |
5.22% |
无 |
无 |
|
1998.12.07 |
1.44% |
2.79% |
3.33% |
3.78% |
3.96% |
4.14% |
4.50% |
无 |
无 |
|
1998.12.21 |
1.44% |
2.79% |
3.33% |
3.78% |
3.96% |
4.14% |
4.50% |
1.80% |
1.35% |
|
1999.06.10 |
0.99% |
1.98% |
2.16% |
2.25% |
2.43% |
2.70% |
2.88% |
1.35% |
1.89% |
|
2002.02.21 |
0.72% |
1.71% |
1.89% |
1.98% |
2.25% |
2.52% |
2.79% |
1.08% |
1.62% |
|
2004.10.29 |
0.72% |
1.71% |
2.07% |
2.25% |
2.70% |
3.24% |
3.60% |
1.08% |
1.62% |
|
2006.08.19 |
0.72% |
1.80% |
2.25% |
2.52% |
3.06% |
3.69% |
4.14% |
1.08% |
1.62% |
|
2007.03.18 |
0.72% |
1.98% |
2.43% |
2.79% |
3.33% |
3.96% |
4.41% |
1.08% |
1.62% |
|
2007.05.19 |
0.72% |
2.07% |
2.61% |
3.06% |
3.69% |
4.41% |
4.95% |
1.08% |
1.62% |
|
2007.07.21 |
0.81% |
2.34% |
2.88% |
3.33% |
3.96% |
4.68% |
5.22% |
1.17% |
1.71% |
|
2007.08.22 |
0.81% |
2.61% |
3.15% |
3.60% |
4.23% |
4.95% |
5.49% |
1.17% |
1.71% |
|
2007.09.15 |
0.81% |
2.88% |
3.42% |
3.87% |
4.50% |
5.22% |
5.76% |
1.17% |
1.71% |
|
2007.12.21 |
0.72% |
3.33% |
3.78% |
4.14% |
4.68% |
5.40% |
5.85% |
1.17% |
1.71% |
|
2008.10.09 |
0.72% |
3.15% |
3.51% |
3.87% |
4.41% |
5.13% |
5.58% |
1.17% |
1.71% |
|
2008.10.30 |
0.72% |
2.88% |
3.24% |
3.60% |
4.14% |
4.77% |
5.13% |
1.17% |
1.71% |
|
2008.11.27 |
0.36% |
1.98% |
2.25% |
2.52% |
3.06% |
3.60% |
3.87% |
0.81% |
1.35% |
|
2008.12.23 |
0.36% |
1.71% |
1.98% |
2.25% |
2.79% |
3.33% |
3.60% |
0.81% |
1.35% |
|
2010.10.20 |
0.36% |
1.91% |
2.20% |
2.50% |
3.25% |
3.85% |
4.20% |
0.81% |
1.35% |
|
2010.12.26 |
0.36% |
2.25% |
2.50% |
2.75% |
3.55% |
4.15% |
4.55% |
0.81% |
1.35% |
|
2011.02.09 |
0.40% |
2.60% |
2.80% |
3.00% |
3.90% |
4.50% |
5.00% |
0.85% |
1.39% |
|
2011.04.06 |
0.50% |
2.85% |
3.05% |
3.25% |
4.15% |
4.75% |
5.25% |
0.95% |
1.49% |
|
2011.07.07 |
0.50% |
3.10% |
3.30% |
3.50% |
4.40% |
5.00% |
5.50% |
0.95% |
1.49% |
|
2012.06.08 |
0.44% |
3.10% |
3.30% |
3.50% |
4.10% |
4.65% |
5.10% |
0.94% |
1.49% |
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