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Home > Corporate Business > Transaction Banking > Corporate Savings > Customized Corporate Deposits [Time-Demand Link Account]
发布时间:2021-12-06
[Definition of product]
Customized service for corporate deposit of [time-demand link account] of Guangzhou Rural Commercial Bank is intended for meeting fund management requirements of corporate clients. By linking the current deposit settlement account and primary account of fixed deposit E-account of the same client, when funds in the current deposit account are abundant, they will be automatically transferred into the fixed deposit account (with flexible deposit term to choose) to enhance fund yield; when funds in the current deposit account are insufficient, funds in the fixed deposit account will be automatically transferred into the current deposit account (interest of advanced withdrawal will be calculated according to current deposit interest rate) to meet requirements of payment of current deposit and effectively balance liquidity and profitability of clients’ funds.
[Product characteristics]
◇Fixed-current link ◇automatic transfer ◇personalized customization
[Product function]
◇Low admittance threshold
Clients can apply for corporate fixed deposit to our Bank only when amount of the deposit meets requirement of People’s Bank of China (RMB 10000 at minimum).
◇High financial liquidity
After signing agreement of “Time-Demand Link Account”, clients should set conditions such as amount limit of current deposit account and deposit term of fixed deposit account, so that funds can be automatically transferred between two accounts and financial liquidity can be flexible.
◇Guaranteed yield
After “Time-Demand Link Account” is contracted by clients, spare funds in their current deposit accounts will be automatically transferred into their “fixed deposit E-accounts” (with deposit term from 3 months to 5 year to choose flexibly) so that periodic earnings can be made. When funds in current deposit are not enough to pay, funds in fixed deposit account will be automatically transferred into the current deposit account in accordance with the principle of “last-in and first-out” to reduce earning losses of clients.
[Handling procedure]
Step 1 Account opening:
Clients need to apply for primary account of fixed deposit E-account and corporate current deposit settlement account to branch counters of our Bank (if accounts have already been opened before, this step can be ignored).
Step 2 Document filing in and submitting
Clients should fill in Application for Time-Demand Link Account Business of Guangzhou Rural Commercial Bank with official seal on it, and submit it with other valid certificates to branches of our Bank.
Step 3 Contract signing:
After checking documents filled in and submitted by clients are correct, branch counters of our Bank will handle the transaction in the system to open contracted functions.
[Materials to be submitted]
1. Corporate Fixed Deposit E-Account Business Document;
2. Application for Time-Demand Link Account Business of Guangzhou Rural Commercial Bank;
3. Valid original identity document and copies of client agent. If agent is neither the legal representative nor corporate leader, certificate of business authorization should be provided as well.
Download online：Application for Time-Demand Link Account Business of Guangzhou Rural Commercial Bank
For more detailed information about the product [Time-Demand Link Account], please pay attention to official information released by Guangzhou Rural Commercial Bank or contact your familiar client managers for consultation.
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