In the legal document, often see "according to the same people's Bank of the loan rates Chinese calculation" this sentence. The seemingly simple word, will use a lot of knowledge.

   Such as: the principal A yuan, according to the "people's Bank of the loan rates at the same Chinese calculation" interest from 2011.8.8 to 2013.1.31. The calculation steps are as follows:

   1, the people's Bank of Chinese website loginHttp://www.pbc.gov.cn/Click on the "public information" column of the "monetary policy"; after entering the "monetary policy" page, click on the "tools of monetary policy" under the "interest rate policy", can see some interest rate policy; to calculate time according to their own search relative deserve interest rate; in this case to find

   2011.8.8~2012.6.7 annual interest rate of 6.56%;

    2012.6.8~2012.7.5 annual interest rate of 5.85%; 

   2012.7.6~2013.1.31 annual interest rate of 6%.

   2, query to the rates for the annual interest rate, for the sake of precision, which should be converted to daily rates.

    2011.8.8~2012.6.7 rates for 6.56%\365

    2012.6.8~2012.7.5 annual interest rate of 5.85%\365; 

   2012.7.6~2013.1.31 annual interest rate of 6\365%.

   3, to calculate 2011.8.8~2012.6.7 and 2012.6.8~2013.1.31 each have how many days can be derived for interest. The ordinary algorithm is tedious and prone to error, here we use Excel to find the total number of days interval, the specific practices are as follows:

   (1) the establishment of a excel form;

    (2) and then entered in a cell "=" 2012-6-7 "" 2011-8-8 "", and then press the Enter key, then the interval has a total of 304 days;

   (3) above, calculate other interval;

   4, to calculate the interest now desire:

    (1) 2011.8.8~2012.6.7 interest is: A*304*6.56%\365

    2.As above, calculate the other interval of interest;

    So, 2011.8.8 to 2013.1.31 for the interest of the (1) + (2).