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Home > Personal Business > Personal Deposit > Certificates of Deposit
发布时间:2024-01-17
"Certificates of Deposit" is issued by our Bank to individual clients. It is a bookkeeping-type large-denominations valued in RMB. It is a deposit financial product and belongs to general deposit.
Product characteristics
1. Interest payment at maturity and automatic cash
The product is provided with one-time interest payment at maturity with higher interest income than fixed deposit of the same period. The product will be cashed automatically when it matures.
2. Grading subscription and rich deposit
The initial deposit amount of subscription can be divided into three levels of RMB 200,000, RMB 500,000 and RMB 1 million, with a total of eight periods (1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years and 3 years).
3. Flexible withdrawal and good liquidity
All or part of the money can be withdrawn in advance, the certificate of deposit and the certificate of deposit can be transferred to give liquidity.
Handling channel
The business can be handled through branches, mobile banking, online banking, STM intelligent service terminal channels.
Prompt
For large certificates of deposit that can be withdrawn in advance and interest paid at maturity, the interest income of the part withdrawn in advance shall be calculated according to the current deposit listing rate of our bank on the withdrawal date.
Part of the amount to be withdrawn in advance shall be an integral multiple of RMB 10,000. If the retained amount is lower than the minimum deposit amount, it shall be withdrawn in advance.
* The domestic and foreign currency deposits taken by the Bank is subject to the protection according to the Deposit Insurance Ordinance.
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