How to buy: savings bonds is generally sold by banks, and can be bought at bank counters, computer banks or mobile banking.
What's the return: determine before each issuance, aim at the target bank deposit and savings rate, which is usually slightly higher than the savings rate. At present, the annualized yield of three-year treasury bonds is 4%, and the five-year yield can reach 4.27%.
Expand:
Buy different types of government bonds:
1. Purchase voucher-type government bonds: investors need to bring their valid identity documents to the bank outlets to buy them. The issuing point shall fill in the voucher-type treasury bond receipt voucher, which includes the date of purchase, the name of the purchaser, the type of purchase voucher, the purchase amount, the ID number, etc. And then submit it to the buyer for signature. The procedure is similar to bank time deposit. (Place of purchase: Industrial and Commercial Bank of China, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, China CITIC Bank, China Everbright Bank, Huaxia Bank, Shanghai Pudong Development Bank, Industrial Bank, China Merchants Bank, Ping An Bank, Minsheng Bank, Hankou Bank, hengfeng bank, Postal Savings Bank)
2. Purchase electronic government bonds: enter the personal online banking interface from the bank's webpage, enter the login password in the login interface, find "online bonds" after entering, and click "savings bonds" to purchase. (Point of purchase: China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, China CITIC Bank, Huaxia Bank, Shanghai Pudong Development Bank, Industrial Bank, China Merchants Bank, Ping An Bank, China Minsheng Bank, Bank of Beijing, Shanghai Bank, Guangfa Bank, Shang Hui Bank, Postal Savings Bank and Beijing Rural Commercial Bank).
3. Buy book-entry treasury bonds: You can choose to buy them in the bank (the purchase method is the same as voucher-type treasury bonds), or you can choose to buy and sell them in a securities trading account, and you can save money after opening an account.
National debt is a creditor-debtor relationship formed by the state on the basis of its credit and in accordance with the general principles of debt by raising funds from the society. Because the issuer of national debt is the country, it has the highest credit and is recognized as the safest investment tool.