It belongs to low-risk wealth management products. According to the information of China Bank, the customer deposits the funds in one lump sum, and the specific interest rate is set by the bank, and the principal and interest will be returned to the customer in one lump sum after the expiration. Early withdrawal and partial withdrawal are supported, but interest will be calculated according to the agreed interest rate. You can see it in mobile banking and online banking. Time deposits can be withdrawn in advance, but they cannot bear interest at current demand.