存款基准利率是人民银行公布的商业银行存款的指导性利率。 在中国，以中国人民银行对国家专业银行和其他金融机构规定的存贷款利率为基准利率。具体而言，一般普通民众把银行一年定期存款利率作为市场基准利率指标，银行则是把隔夜拆借利率作为市场基准利率。
一年期存款基准利率上调0.25个百分点，从2.75%上调到3%。
The basic interest paid on bank deposits increased by a quarter of a point, to 3 percent from 2.75 percent.
这使得邓邦富和其他的投资者年华收益率达到了40%，比一年期存款基准利率高了13倍之多。
That handed Deng and his fellow investors an annualised return of 40 per cent, more than 13 times the benchmark one-year deposit rate, according to the website.
中国央行宣布自16日起，下调一年期人民币贷款基准利率0.27个百分点，存款基准利率则保持不变。
Since China's central bank announced on the 16th, down one-year RMB loans benchmark interest rate 0.27 percentage points, deposit rates remain unchanged.
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