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农村信用社在收回贷款工作中,经常遇到企业单位或个人持整数现金和支票,要求归还部分贷款,信用社收回贷款必须按利随本清的原则,整数里面包含着本金和利息,这样的业务处理起来非常麻烦。为了提高工作效率,我们介绍一种既简单又准确的本利和计算法。 首先按天数和利率计算出1元贷款的全部利息。如遇利率变动应分段计算,如逾斯和挪用按规定计算出加罚息。 将计算的各段利息和加罚息的金额相加,为1元贷款的全部利息。全部利息加上1,为1元贷款的本利和。用1元贷款的本利和去除贷款户所交还
In the process of loan collection, rural credit cooperatives often encounter business units or individuals holding a whole amount of cash and checks and demanding the repayment of some loans. The credit unions must repay the loans according to the principles of the Qing Dynasty. The whole number contains the principal and interest The business is very troublesome. In order to improve work efficiency, we introduce a simple and accurate profit and calculation method. First of all, according to the number of days and interest rates calculated 1 yuan loan interest. In case of changes in interest rates should be calculated in sections, such as the pass and misappropriation calculated according to the provisions of the Canadian penalty. Add the sum of the calculated interest of each paragraph and the penalty interest plus 1% of the interest on the loan. All interest plus 1, 1 yuan for the loan interest and. With 1 yuan loans to the profit and remove the loan households returned