Treasury bonds that can be purchased online include: electronic treasury bonds and book-entry treasury bonds.
Electronic Treasury bonds: At present, banks that can purchase electronic treasury bonds through online banking include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Bank of Beijing, Bank of Shanghai and Guangdong Development Bank.
Book-entry treasury bonds: At present, banks can basically buy book-entry treasury bonds as long as they can buy funds through online banking.
202 1 interest on the issuance of government bonds
At present, the savings bonds interest rate issued on 202 1 is 3.8% for three years and 3.97% for five years. Compared with bank deposits in the same period, it has a certain interest rate advantage. The three-year and five-year deposit rates of state-owned banks are generally lower than 3%, and those of small and medium-sized banks are generally lower than 3.5%.
202 1 timetable for the issuance of savings bonds
Interest payment method on the first day of variety term issue
Electronic 3-year /5-year March 10 One-time repayment of principal and interest.
Voucher is used for 3 years /5 years, and interest is paid once every April 10.
Electronic 3-year /5-year May 10 One-time repayment of principal and interest.
Electronic interest shall be paid once a year within 3 /5 years, and the payment date is June 10.
Electronic interest shall be paid once a year on July 10 for a period of 3 years /5 years.
Electronic interest shall be paid once a year in August 10 in 3 /5 years.
One-time repayment of principal and interest in the form of certificate for 3 years /5 years in September 10.
Electronic 3 years /5 years 10 June10 pays interest once a year.
The principal and interest shall be repaid by certificate in the form of 5 years /3 years 1 1 month 1 day.
Extended data:
What are the characteristics of national debt?
First, the security is extremely high. The issuer of national debt is the country, which is guaranteed by the national credit. Only when the country goes bankrupt will there be losses. There have been many financial fraud cases in the past two years, and people's money bags have been seriously threatened. In this case, everyone will look for some sound financial management methods. Judging from the level of protection, there is no wealth management product in China that can match the national debt.
Second, the interest rate is not low. At present, the 3-year interest rate of 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%.
Third, it is highly flexible. Holding government bonds for less than 6 months does not bear interest, and you can enjoy some interest if you don't hold them for 6 months. The longer you hold them, the more cost-effective. The flexibility of national debt is relatively high. Compared with all deposits, bank financing cannot be paid in advance.
Fourth, the deadline is too little and too long. There are too few kinds of national debt, only three-year and five-year maturities, and both are too long. Although it can be withdrawn in advance, if the holding time is too short, the redemption interest rate will be very low, and even the handling fee will be reversed.