国家银行、信用社经营的是信用业务,信用活动的一般特征是:1、价值的单方面让渡;2、到期归还;3、收取一定的利息。所以利息是和信用活动联结在一起的。必须要有信用活动,才能产生利息。但是,并不是所有信用活动都产生利息。财政性款项存入银行,按国家现行规定是不计利息的,国家举办的无息贷款是不收利息的,民间私人借贷,一般也是不要利息的。利息是本金、利率、时期的连乘积。本金是增 National Bank, credit cooperatives operating the credit business, the general characteristics of credit activities are: 1, the unilateral transfer of value; 2, due to return; 3, charge a certain amount of interest. So interest is linked with credit activities. Must have credit activities, in order to generate interest. However, not all credit activities generate interest. Financial funds deposited in banks, according to the current state provisions is non-interest-bearing, interest-free loans held by the state is non-interest-bearing, private private lending, generally do not interest. Interest is the principal product, interest rates, the product of the times. The principal is increased