1. The deposit certificate of China Bank is guaranteed by the bank deposit insurance system, which means that even if the bank closes down, the deposit with principal and interest less than 500,000 yuan can be paid in full, and the part exceeding 500,000 yuan can be paid according to the bank liquidation.

2. Bank of China is a large state-owned bank in China, and the possibility of bank failure is very low. Bank of China is one of the six state-owned banks. It is controlled by the state and has a sound operating system. Its anti-risk ability is far better than that of joint-stock banks and local commercial banks. Even if there are problems in its operation, the state will guide it to the right track as soon as possible and will not let it lose money until it goes bankrupt.

3. Most certificates of deposit of China Bank support early withdrawal, which is flexible. Even certificates of deposit that do not support early withdrawal can be transferred.

4. From the deposit certificate itself, the deposit certificate of China Bank is guaranteed by the bank deposit insurance system. Even if the bank goes bankrupt, deposits with principal and interest less than 500,000 can be paid in full, and those with principal and interest more than 500,000 can be paid according to bank liquidation.

Second, certificates of deposit are general deposits, but the investment threshold is relatively high and the security is similar to that of ordinary deposits. The bank promises to protect capital and interest. In addition, deposit products are protected by deposit insurance regulations. Even if the bank goes bankrupt, the insurance company will pay the deposit within 500,000 yuan per person in the bank in full, so the risk of the large deposit certificate of China Bank is very small.

Three. The certificates of deposit of China Bank 202 1 are divided into the following categories:

From 1 yuan, from 200,000 yuan: 1 month time deposit certificate interest rate is1.53%; The interest rate of three-month time deposit certificate is1.54%; The deposit interest rate for 6 months is1.82%; 1 year certificate of deposit has an annualized interest rate of 2.10%; The annualized interest rate of 2-year certificates of deposit is 2.94%; The annualized interest rate of 3-year certificates of deposit is 3.85%.

From 23,000 yuan: 1 month, the deposit interest rate is1.59%; The interest rate of three-month time deposit certificate is1.64%; 6-month deposit certificate interest rate1.89%; 1 year certificate of deposit has an annualized interest rate of 2.18%; The annualized interest rate of 2-year certificates of deposit is 3.05%; The annualized interest rate of 3-year certificates of deposit is 3.99%.

3. From RMB 65,438+0,000,000 yuan: the interest rate of three-month time deposit certificate is 65,438+0.64%; 6-month deposit certificate interest rate1.94%; 1 year certificate of deposit with annualized interest rate of 2.44%; The annualized interest rate of 2-year certificates of deposit is 3.13%; The annualized interest rate of 3-year certificates of deposit is 4. 13%.