As long as the major banks affiliated with the central bank can buy national bonds, the general interest rate is much higher than the central bank’s regular interest rate for the same period. There is no risk. According to past rules, at the beginning of each year or April or May is the period for the re-sale of treasury bonds.

People also have many choices in bond investment. There are three major channels for individuals to buy bonds:

1. Open an account with a securities company and trade on the exchange. Currently, there are book-entry treasury bonds, corporate bonds, corporate bonds and convertible bonds circulating in the exchange bond market. In this market, individual investors can buy bonds just like buying stocks by opening a bond account in the business department of a securities company. To purchase bonds, you can also realize bond spread trading.

2.

Purchase savings treasury bonds over the bank counter. During the bond issuance period, you can go to the bank counter to subscribe for certificate-type treasury bonds and book-entry treasury bonds issued in the bank over-the-counter bond market

. These bonds are generally illiquid and are only sold to individual investors. They serve more of a savings function. Investors can only hold them until maturity to obtain coupon income; however, some banks will provide investors with certificate-style treasury bonds

's pledge loan provides a certain amount of liquidity. To purchase certificated treasury bonds, investors only need to hold their valid identity documents and open an account at the bank counter. There are no account opening fees and maintenance fees for opening a personal treasury bond custody account that is only used for saving treasury bonds, and the income from treasury bonds is exempt from interest tax. Now with the popularity of online banking, banks also have electronic treasury bonds, and electronic treasury bonds can be purchased through online banking.

3. Bond funds and fixed income products

Except for treasury bonds and financial bonds, almost all bond varieties are circulated in the inter-bank bond market, including subordinated bonds and short-term corporate financing. bonds, ordinary financial bonds of commercial banks and foreign currency bonds, etc. These varieties generally have higher returns, but individual investors are not yet able to invest directly. Bond funds can invest in treasury bonds, financial bonds, corporate bonds and convertible bonds, while banks' fixed income products can invest in a wider range, including treasury bonds, policy bonds issued in the national inter-bank market Bank financial bonds, central bank bills, short-term financing bonds and other bonds.

What individual investors can generally buy are short-term treasury bonds. Now banks mainly sell treasury bonds of less than 10 years. The interest rate of 3-year treasury bonds is now sold on the 10th of every month. The interest rate is 4.92%. The interest rate of 5-year treasury bonds is 4.92%. , the interest rate is 5.32%. 30-year and 50-year government bonds are only issued to banking institutions.