As for time deposits, there are generally three months, six months, 1 year, two years, three years and five years. As for time deposit, there are two options: deposit certificate and passbook. If you don't withdraw after the expiration, you can also choose to deposit it regularly. If you withdraw in advance, you are dissatisfied with the deposit period and can only enjoy the current interest rate.

On the other hand, national debt is a bond issued based on national credit. Is our central government, in order to raise financial funds, so issued a government bond, will be issued for our investors and promised to pay a certain amount of interest within a certain period of time, and will repay the principal after the maturity of the creditor's rights and debts.

Because the national debt is guaranteed by the central government's tax revenue, debt service is the most important, so the risk is extremely low and the liquidity is quite high.

The 3-year interest rate of 20 19 national debt is 4%, and the 5-year interest rate is 4.27%, which has a certain interest rate advantage compared with bank deposits in the same period. The 3-year and 5-year interest rates of state-owned banks are generally lower than 3%, and those of small and medium-sized banks are generally lower than 3.5%.

To purchase electronic government bonds, it is necessary to deposit the funds into the bank card first, and then open an electronic account, that is, open a personal government bond custody account, and specify the corresponding fund account bank card (discount). To buy at the counter, you need to bring your bank card (discount) and ID card, or you can buy it yourself through online banking. It can be purchased at 8:30- 16:30 every day during the sale period.