The time Deposit is a method of bank deposit with a definite date of maturity, made for one time or by many times on schedule (during the appointed deposit term),or withdrawn together with the interest in a lump sum or by installment.
: H3 z" c- ~7 r; O5 q" g According to the way of deposit and withdrawal, the time deposit has the following categories: lump-sum deposit & withdrawing, small savings for lump-sum withdrawal, interest withdrawal on a principal deposited, big money saving and small withdrawing time deposit, etc.8 U) h9 x; X) P5 V) Z; |
定期储蓄是在存款时约定存期,一次或按期分次(在约定存期)存入本金,整笔或分期支取本金利息的一种储蓄形式。- h" Z' {8 C1 \1 g
按存取方式定期储蓄分为整存整取定期储蓄存款、零存整取定期储蓄存款、存本取息定期储蓄存款、整存零取定期储蓄存款等。9 g# O+ b. L( C8 J/ ?0 E
I.Definition/ s1 s7 p$ i3 ]3 y# |8 Z7 P! N
Lump-sum saving for small withdrawal time deposit refers to savings deposit whose principal is deposited at a time with the minimum amount of 1,000 RMB yuan. The maturities range from three grades: 1 year, 3 years and 5 years.
* \5 e8 Q4 S4 D 一、定义7 f8 U$ x: K6 K5 k; H m
整存零取定期储蓄存款是指一次存入本金,起存金额为1,000元人民币,存期分一年、三年、五年的一种储蓄存款形式。0 e* F Z$ k/ O# D: a7 P
II.Service Features 1.Lump-sum saving for small withdrawal time deposit has the characteristics of long maturity and high interest rate ,and suitable for depositing of savings that will not be used within a quite long period of time.
% K! y, V. S" L. r 2.The deposit amount is set by the depositor. He can deposit money at a time every month. The interest rate is computed at the same rate on the lump-sum deposit & withdrawal time deposit. The savings office will issue a deposit passbook(certificate) to him, with which the depositor can withdraw the principal by installment, or at a time by every month, 3 months or 1/2 year in the drawdown period, which can be negotiated between the savings office and the depositor. The interest is paid when the deposit is due.' d8 E' n( ]- E
3.Lump-sum saving for small withdrawal time deposit has the characteristics of long maturity and high interest rate ,and suitable for depositing of savings that will not be used within a quite long period of time.
3 Z4 d8 f( G5 d! R 二、业务特点0 S- ]5 w8 e& G, `3 q
1、整存零取定期储蓄存款具有期限长、利率高的特点,适用于较长时期不用的节余款项的存储。
8 T* ?) v# h( M, {5 X+ m 2、存款金额由储户自定,每月存入一次,到期支取本息,其利息计算方法与整存整取定期储蓄存款计息方法一致。由储蓄机构发给存单(折),凭存单(折)分期支取本金,支取期分一个月、三个月、半年一次,由储户与储蓄机构协商确定,利息于期满结清时支取。
4 x! z0 ]6 x6 |" X. r' b 3、整存零取定期储蓄存款具有期限长、利率高的特点,适用于较长时期不用的节余款项的存储。
1 { M) Q2 H+ i A7 c' w III. Procedures for Account Opening 1.In opening an account of time deposit of small savings for lump-sum withdrawal, the depositor shall present his or her his or her ID card or other valid credentials.7 _1 F3 U7 c d9 u
2. Such deposit may be withdrawn fully or partly prior to maturity for once, or, upon authorization in advance, and handled on agency renewal of depositing upon maturity by the bank.
$ u/ z, n U7 y& { z- h. e' ^ 3.At the time of account opening, the client may choose the method of withdrawal by password or with a passbook. If the method of withdrawal by password is chosen, the depositor shall enter on the spot a six-digit password into your savings account through the password processor on the counter.
6 M! J2 [$ o2 O8 T+ U1 g+ e5 Q! E 三、开户手续
+ f+ `& c$ L- M1 \, W 1、开立整存零取定期储蓄存款账户时,储户可凭其身份证或其他有效身份证件。: @6 L, s8 [8 E
2、本存款可允许全部或部分提前支取一次,也可预约由银行代办到期转期续存。
* }3 |' B9 N* W1 m 3、开户时可选择凭密码取款或凭存折取款方式,如选择凭密码取款方式,储户须当场在柜台上的密码器上输入一个6位数字作为账户的密码 |