1.( 1) All major banks under the central bank can buy government bonds.

(2) The general interest rate is much higher than the central bank interest rate in the same period, so there is no risk. According to the previous law, the beginning of each year or April and May is the issuance period of national debt.

Second, the method of buying bonds: three channels for individuals to buy bonds:

1. Securities companies open accounts and trade in the exchange. At present, there are book-entry treasury bonds, corporate bonds, corporate bonds and convertible bonds circulating in the exchange bond market. In this market, as long as individual investors open bond accounts in the business department of securities companies, they can buy bonds just like stocks, and they can also realize the spread trading of bonds.

2. Buy savings bonds at the bank counter. You can subscribe for voucher-type treasury bonds and book-entry treasury bonds issued to the bank counter bond market at the time of bond issuance. These bonds are generally illiquid and are only sold by individual investors, which play a more savings role. Investors can only hold it at maturity and get coupon interest income; However, some banks will provide investors with voucher-type treasury bond pledge loans, which provides a certain degree of liquidity. To purchase voucher-type treasury bonds, investors only need to hold their valid identity documents and open an account at the bank counter. Opening a personal treasury bond escrow account for savings bonds only does not charge opening fees and maintenance fees, and the proceeds from treasury bonds are exempt from interest tax. Now with the popularity of online banking, banks also have electronic government bonds, which can be purchased through online banking.

3. Bond funds and fixed-income products Except for treasury bonds and financial bonds, almost all bond markets circulate in the inter-bank bond market, including subordinated bonds, short-term corporate financing bonds, ordinary financial bonds of commercial banks and foreign currency bonds. These varieties generally have higher returns, but individual investors are still unable to invest directly. Bond funds can invest in government bonds, financial bonds, corporate bonds and convertible bonds, while banks can invest in a wider range of fixed-income products, including government bonds, policy bank financial bonds, central bank bills, short-term financing bonds and other bonds issued in the national interbank market.

(1) What individual investors can generally buy are short-term government bonds.

(2) At present, banks mainly sell treasury bonds with a maturity of less than 10, and now the interest rate of three-year treasury bonds is 10 every month.

(3) The interest rate is 4.92%, and the interest rate of five-year treasury bonds is 5.32%. 30-year and 50-year treasury bonds are only issued to banking institutions.