Generally, book-entry and voucher-type government bonds are sold from 1 yuan, and savings bonds is generally an integer multiple of 1 yuan. Every bank is the same, and so is the internet; But now only book-entry treasury bonds can be bought and sold online.
At present, there are two main types of national debt:
One is voucher-type national debt (including savings bonds), which is mainly bought in the bank during the issuance period, which is equivalent to being deposited in the bank for a fixed period, with a term of 3 years and 5 years, and is exempt from interest tax; Similarly, voucher-type treasury bonds are similar to bank certificates of deposit and cannot be transferred for sale. If you need cash, you can mortgage 9% of the original value to the bank, or redeem it in advance, paying a handling fee of .1%, and the interest income is very small; Interest is calculated by stages, but there is no interest for less than half a year. It is generally .72% for half a year and less than two years, and only about 2% for two years and less than three years; Generally, it is lower than the interest rate at maturity, so the voucher-buying method is suitable for long-term investment. Certificated government bonds are rarely issued, so they can't be bought at any time.
The other is book-entry treasury bonds. Book-entry treasury bonds can be bought and sold at any time, but their prices fluctuate up and down like stocks. If the price of treasury bonds falls when you sell them, you will lose money. On the contrary, if the price rises, you can sell it to earn the difference; After the book-entry national debt expires, the country will still redeem it according to 1 yuan/each; At the same time, the term of book-entry treasury bonds is generally longer, and the interest rate is generally not as high as that of newly issued voucher treasury bonds. You can buy and sell at the counter of securities companies and pilot commercial banks. Pilot commercial banks include China Industrial and Commercial Bank Co., Ltd., China Agricultural Bank, China Bank Co., Ltd., China Construction Bank Co., Ltd., China Merchants Bank Co., Ltd., Bank of Beijing Co., Ltd. and Bank of Nanjing Co., Ltd., which have opened branches of the national treasury bond counter trading system.
When a securities company opens an account, it is generally an account of Shanghai and Shenzhen shareholders, which requires 9 yuan account opening fee and ID card; You can buy and sell stocks, funds, book-entry treasury bonds, corporate bonds, corporate bonds and warrants (a risk confirmation letter must be signed for buying and selling warrants). Bank counter account opening requires ID card and 1 yuan account opening fee; All account opening procedures are very simple, just like opening a bank passbook, go directly to the window.
buying and selling book-entry treasury bonds is the same as buying and selling stocks; Placing an order through the entrustment system is very simple, just enter the code of the national debt to be purchased, and then enter the transaction quantity and price; Generally, after opening an account, the securities company and the counter bank will give the operation manual.
To buy certificate-based government bonds, you need to take your ID card and funds to the big branches of state-owned banks such as ICBC and BOC during the issuance period. The account opening fee is 1 yuan.
from June 1, 28 to June 3, 28, the 28 certificate-based (three-phase) government bonds were sold, with a 3-year coupon rate of 5.74%; The 5-year coupon rate is 6.34%. Investors can bring their ID cards and funds to the business outlets of 39 voucher-type government bond underwriting syndicates, including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and some joint-stock commercial banks, city commercial banks and rural commercial banks.