银行利息怎么算
关键字：银行利息怎么算
银行利息怎么计算？人们口中所说的银行利息，一般是指银行存款利息，把一部分钱作为银行存款，也是开始实施个人理财计划的关键步骤。现在一些新型互联网金融理财产品都是以银行存款的资金定投方式为投资模式，例如余额宝，它是按余额宝所在公司发布的每万份收益率计算新增收益，那么银行的利息率又是多少？下面大田环球贵金属小编为大家简单介绍。
一、银行存款利息率种类
银行存款利息率一般按时间长短划分，为年利率、月利率和日利率。
二、银行存款利息种类换算
1、 年利率转换为月利率
月利率=年利率/12，年利率一般按每家银行指定的存款利率波动范围而定。
2、 月利率转换为日利率
日利率=月利率/30=年利率/360
三、银行存款利息率
每间商业银行都设定不同的存款利息率，也按用户存款期限长短，分为定期存款利息率和活期存款利息率，存款利息率范围一般按中国人民银行（中国央行）设定的存款利率而定，当前中国央行关于一年期存款基准利率制定为2.25%，中国境内的所有商业银行均按围绕2.25%的利率水平适当调整。
四、银行利息和贵金属投资收益对比
1、 银行利息收益
当前银行利息收益率，已经和线上的货币基金类理财产品，如余额宝和理财通等所在基金公司发布的收益率相差甚远，且在中国央行大力推行降息以刺激民间借贷活动和消费情况下，银行存款利息的收益日益收窄。
2、 贵金属投资收益
贵金属分为合约和实物两种投资方式，合约相比于实物而言，资金投入成本较低，同时能够利用杠杆交易撬动投入增长接近百倍的收益，同时能够长短线操作相结合，无论在涨势还是跌势中，只要看准方向就能把握有利进场时机，资金最快能即日回笼，通过价位在某时段中的运行格局获取差价收益，且能积累不同区间中的操作盈利，收益空间无限大。
以上为“银行利息怎么算”的简单介绍，通过与贵金属投资收益的对比，适宜投资理财增值的品种为贵金属合约产品，大田环球贵金属为广大投资者提供国际贵金属现货业务，让您能够全天候把握国际金融市场形势，从而开拓个人投资实力，现在大田环球更面向投资新手推出了零基础起步的交易课程，让您顺利实现财富增值目标。
本文来源： 大田环球贵金属
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