By the bank's "saving war", the interest rate of certificates of deposit soared. At the same time, the bank also greatly lowered the threshold of certificates of deposit, from 3, to 2,, which made the certificate of deposit, which was born in 216, be promoted to "deposit online celebrity" again. Although certificates of deposit have many similarities with national debt, they are not as powerful as national debt. Is it better to buy certificates of deposit or national debt? first, a relatively safe certificate of deposit is a general ordinary deposit that is publicly sold by various banks, and is included in the scope of deposit insurance protection, and is endorsed by the bank's credit. Although the new asset management regulations were promulgated in the second half of 17 years, under the influence of the new regulations, it was clearly stipulated that the asset management business could not promise to protect the capital and interest, and to break the rigid redemption, it could no longer be endorsed by the government's credit. However, in the eyes of ordinary people, banks are equal to safety. National debt is equivalent to a country's credit card, which is guaranteed by the country's reputation, so the security is the highest among bonds, and there are still some risks. However, China's national debt belongs to A+ quality bonds among the three major international rating agencies, so there are generally no risks. Conclusion: The security is extremely high < P > Second, compared with the investment threshold of certificates of deposit, banks have greatly reduced their investment threshold from 3, to 2,. However, for ordinary investors, the threshold is still high. National debt, the subscription threshold is above 1 yuan (including 1 yuan), which is suitable for investors in all capital segments. Conclusion: the investment threshold of national debt is more close to the people

Third, the relatively liquid certificates of deposit can be transferred at first, but most banks have not opened this function, so it is basically not transferable. Treasury bonds, according to the relevant provisions, are also not allowed to be transferred in advance, but they can be redeemed or terminated in advance. Conclusion: each has its own merits

Conclusion: It is hard to tell the difference between certificates of deposit and national debt, and each has its own merits. Although the two are very similar, it is suggested that if you have a large amount of money and are unwilling to spend energy to buy government bonds, then a large deposit certificate is more suitable for you; If the amount of funds is not large and you have the energy to snap up, then national debt is more suitable for you.