For example, suppose there is a product with deposit and interest, and its deposit period is 1 month, and it can be renewed for 5 years at the longest. Every deposit 1 month, the interest will be automatically returned to the investor, and then it will be automatically renewed for settlement. The principal and interest will continue to be deposited in 1 month until it expires in 5 years, that is, the principal and interest will be repaid automatically.

Every 1 month, investors can withdraw the corresponding interest and principal. If they want to withdraw in advance, they may lose some interest if they don't meet the time limit of 1 month. For example, if it is withdrawn after 1.5 months, the interest of 1 month is the maturity rate, and the interest of the remaining half month is the early withdrawal rate (lower than the maturity rate).