[Lending system] [database] fund flow meter & interest table: How to Design

Is the interest table physically stored in the database? For example, if a user is recorded as 1 million yuan and returns his/her monthly interest, the monthly interest is a separate physical record. after the monthly interest is paid, this record is deleted. If it does not exist physically, it should be a field dependent on the savings table? Update this word every month... is the interest table physically stored in the database? For example, if a user is recorded as 1 million yuan and returns his/her monthly interest, the monthly interest is a separate physical record. after the monthly interest is paid, this record is deleted.

If it does not exist physically, it should be a field dependent on the savings table? This field is updated every month to reduce the amount. if it is extended, there are still many problems.

What fields does a streaming water meter need?

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So how do I design a table for the flow and interest? How to operate these tables? Which of your predecessors has relevant information, please share it with me
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In fact, I personally prefer to adopt a simple method in the early stage, that is, to record the relevant information in the database statically when all lending occurs, and to actually default, impose fines, and pay back the interest afterwards, wait for these humans to view the data on a daily basis, and the database does not need to be triggered on a regular basis. I personally feel that the transaction system is awesome.

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Is the interest table physically stored in the database? For example, if a user is recorded as 1 million yuan and returns his/her monthly interest, the monthly interest is a separate physical record. after the monthly interest is paid, this record is deleted.

If it does not exist physically, it should be a field dependent on the savings table? This field is updated every month to reduce the amount. if it is extended, there are still many problems.

What fields does a streaming water meter need?

/////////

So how do I design a table for the flow and interest? How to operate these tables? Which of your predecessors has relevant information, please share it with me
/////////
In fact, I personally prefer to adopt a simple method in the early stage, that is, to record the relevant information in the database statically when all lending occurs, and to actually default, impose fines, and pay back the interest afterwards, wait for these humans to view the data on a daily basis, and the database does not need to be triggered on a regular basis. I personally feel that the transaction system is awesome.