What is the name of the money deposited in the bank?

The money deposited in the bank is called the principal, and the income generated by the deposit is called interest. The deposit interest is related to the user's deposit time, deposit interest rate, deposit method and deposit amount. Usually, deposit interest = deposit principal * deposit interest rate * deposit time.

Principal is the original amount of a loan, deposit or investment before interest is calculated. As a whole, the principal of an enterprise (including fixed capital and working capital) is simultaneously and spatially juxtaposed at different stages, and is manifested in different forms of principal occupation.

Every professional form of principals is constantly changing from the previous stage to the next stage, from one form to another. Principal requires financial institutions not only to implement the policy of "developing economy and ensuring supply" to ensure the capital needs of enterprises' production, operation and foreign investment activities, but also to practise economy, rationally allocate principal and give full play to the regulatory role of finance in production, operation and foreign investment activities. So as to make full use of monetary resources and comprehensively improve the economic benefits of enterprises.

Principal is called present value in financial management, which means that a certain amount of cash at a certain point in the future is converted into present value. For example, a cash deposit of RMB 65,438+000 with an annual interest rate of 65,438+00%. After three years, the principal and interest and 65,438+033.10 yuan will be withdrawn in one lump sum. In this example, 100 yuan is the principal, 33. 10 yuan is the interest, and the amount after deducting the interest tax is the profit. Profit is divided into gross profit and net profit.

Principal refers to the funds advanced by various economic organizations and individuals for production and business activities. The economic organizations mentioned here include national financial institutions (state-owned asset management institutions and intermediary management companies), production and circulation enterprises, commercial banks, commercial insurance, non-bank financial institutions (securities companies, investment banks, financial asset management companies) and enterprises.

Generally speaking, capital refers to the monetary expression of the value of property and materials in the national economy. Under the condition of planned economy, funds are usually divided into financial funds and credit funds according to their distribution forms, and capital construction funds, production and operation funds and other special funds according to their uses.