利息是货币在一定时期内的使用费，指货币持有者（债权人）因贷出货币或货币资本而从借款人（债务人）手中获得的报酬。包括存款利息、贷款利息和各种债券发生的利息。
Interest is the fee for using money in a certain period of time, which refers to the remuneration that the holder of money (creditor) receives from the borrower (debtor) for lending money or monetary capital. It includes deposit interest, loan interest and interest on various bonds.
1、因存款、放款而得到的本金以外的钱（区别于‘本金’）。
2、利息（interest）抽象点说就是指货币资金在向实体经济部门注入并回流时所带来的增值额。利息讲得不那么抽象点来说，一般就是指借款人（债务人）因使用借入货币或资本而支付给贷款人（债权人）的报酬。又称子金，母金（本金）的对称。利息的计算公式为：利息=本金×利率×存款期限（也就是时间）。利息（Interest）是资金所有者由于借出资金而取得的报酬，它来自生产者使用该笔资金发挥营运职能而形成的利润的一部分。是指货币资金在向实体经济部门注入并回流时所带来的增值额，其计算公式是：利息=本金×利率×存期×100%
3、银行利息的分类
根据银行业务性质的不同可以分为银行应收利息和银行应付利息两种。应收利息是指银行将资金借给借款者，而从借款者手中获得的报酬；它是借贷者使用资金必须支付的代价；也是银行利润的一部分。应付利息是指银行向存款者吸收存款，而支付给存款者的报酬；它是银行吸收存款必须支付的代价，也是银行成本的一部分。
1. Money other than the principal obtained from deposits and loans (different from the “principal”).
2. Interest refers to the value-added amount brought by the injection and return of monetary funds into the real economy. To put it in a less abstract way, interest generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using borrowed money or capital. It is also called sub-fund, the symmetry of the mother fund (principal). The calculation formula for interest is: interest = principal × interest rate × deposit term (that is, time). Interest is the remuneration obtained by the owner of funds for lending funds. It comes from part of the profit generated by the producer using the funds to perform operating functions. It refers to the added value brought by monetary funds when they are injected into the real economy and flow back. The calculation formula is: interest = principal × interest rate × deposit period × 100%
3. Classification of bank interest
According to the nature of banking business, it can be divided into two types: bank interest receivable and bank interest payable. Interest receivable refers to the remuneration that a bank receives from a borrower when it lends funds to the borrower; it is the price that the borrower must pay for using the funds; it is also part of the bank’s profit. Interest payable refers to the remuneration that a bank pays to depositors when it absorbs deposits from them; it is the price that a bank must pay for absorbing deposits, and it is also part of the bank’s cost.