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1、企业会计学尽心整理（EnterpriseAccounting）Thispaperiscontributedbyblueww21.Formulasforcalculatinginterest(I)interestratesTheinterestrateofsavingsdepositsisstipulatedbythestateandthepeople'sBankofChinaislisted.Interestrate,alsocalledinterestrate,istheratioofinterestandprincipalinacertaindate.Itisgene
2、rallydividedintothreekinds:annualinterestrate,monthlyinterestrateanddailyinterestrate.Theannualinterestrateisexpressedasapercentage,andthemonthlyinterestrateisexpressedbytheratioof1000.Thedailyinterestrateisexpressedinaratiooftentoten.Suchasninepercentperannumtowrite9%,namelyper100yuandep
3、ositinterest9yuanayear,monthlyinterestrateofsixpercenttowrite6perthousandperthousandyuandepositinterest6yuanamonth,onapercentfivecentiswritten1.5%00,permillionyuandeposit5yuandailyinterestlangle,atpresentourcountrysavingswithamonthlyinterestrateofdepositlisting.Inordertofacilitateinterest
4、,betweenthethreeinterestrateconversion,theconversionformulais:theannualinterestrate8301912=monthlyinterestrateThemonthlyinterestrate,30=rateTheannualinterestrate83019360=dailyinterestrate(two)startingpointofinterestWhencalculatingtheinterestofsavingsdeposits,theprincipalshouldbe"Yuan"asth
5、estartingpoint,andtheamountofinterestislessthanfiveyuan,andtheamountofinterestwillbedividedintofour.Segmentinterestiscalculatedtotheposition,afterthetotalinterestisdividedintofourbelowfive.(three)calculationrulesofstorageperiod1,theheadisnottheendofthecalculation,thecalculationofinterest,
6、thenumberofdaysofdepositisnottheendofthecalculation,thatis,fromthedateofdeposituntilthedaybeforewithdrawal;2,whetheraleapyear,leapyear,regardlessofmonth,month,yearin360days,30dayspermonthwerecalculatedaccordingtothe;3years,themonthlycalculation,andtodate,alldepositmaturitiesforyears,month
7、s,onthedateof.Fromthedaytodepositonthesamedayforayear,inthenextmonthtothesamedayasthemoon;4,regularsavingsduedate,iftheholidaysisnottheoffice,adayaheadoftimecandraw,expireandinterestpaidinadvanceforthesameprocedures.Two.BasicmethodsofcalculatinginterestDuetodifferen
