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Corporate Banking

Institutional time deposits


Institutional time deposits are the deposits that corporate units (including enterprises, institutions, agencies, military units, social organizations and other economic entities, and so on) make in a bank by appointing the term of deposits and for which the bank pays the principal and interest upon maturity. Financial allocations or budgetary funds or bank loans should not be deposited in a bank as institutional time deposits.

The threshold of institutional time deposit amount is RMB10,000, without the upper limit. The terms of deposits are divided into 6 types, namely, three months, a half year, one year, two years, three years, and five years.


Target customer

Enterprises, institutions, agencies, military units, social organizations and other economic entities.



The term of deposits is appointed; the principal and interest are paid at one time upon maturity, and early withdrawal is allowed; depositors can obtain more interest income due to higher interest rates.


Conditions for application

1. Institutional time deposits are subject to account management, and one time deposit account is opened for one deposit. In case of making deposits, the unit must provide the application for opening an account, the original business license, and the ID card of the legal representative or the person in charge of the unit, and reserve the specimen seal impression and signature. The same depositor can use the same set of specimen seal impression and signature cards in the event of making multiple institutional time deposits in the same outlet.

2. After receiving deposit funds, our bank issues the "institutional time deposit account confirmation" to the depositing unit.


(For details, please come to the nearby GRCB outlet or contact GRCB call center 961 111)

Call Centre 961111 Micro Loans Services

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