1. Savings Knowledge Introduction to RMB Savings Varieties According to different deposit periods, they are usually divided into two categories: current savings and regular savings: Current savings refers to a savings method with an uncertain deposit period and depositors can deposit and withdraw money at any time with no limit on the amount of deposits and withdrawals.

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The account opening and deposit and withdrawal procedures are as follows: When opening an account, the depositor fills in a current savings deposit receipt containing the deposit date, account name, and deposit amount, and submits the receipt and cash to the bank's handling personnel.

After the bank handler reviews, the depositor will be issued a passbook; if the depositor requires a password or seal to withdraw, he or she must enter the password in the prescribed format on the cipher device at the bank outlet, or provide the handler with two seal cards.

When making deposits and withdrawals, still follow the above steps.

Only the receipt filled in when withdrawing money is the withdrawal receipt.

In addition, those who withdraw deposits based on passwords or seals must enter the password on the cipher device at the bank outlet in the prescribed format or stamp the deposit slip with a seal every time.

The minimum deposit amount for current deposits is one yuan, and the deposit interest rate is calculated according to the listed interest rate stipulated by the People's Bank of China. Please see the interest rate table.

Regular savings is a savings method in which depositors agree on a deposit period when depositing, deposit the principal at once or in installments, and withdraw the principal or interest in whole lump sum or in installments.

Regular savings can be divided into the following types: lump sum deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, principal deposits and interest withdrawals, fixed-living and lump-sum withdrawals, and notice deposits.

The access methods vary depending on the type.

Lump sum deposits and withdrawals: refers to a kind of savings in which the deposit period is agreed upon, the lump sum is deposited, and the principal and interest are withdrawn in one lump sum upon maturity.

The minimum deposit is fifty yuan, and there is no limit to how much you can deposit.

Deposit periods are divided into three months, six months, one year, two years, three years and five years.

The procedures for opening a deposit account are the same as those for current accounts, except that the withdrawal certificate given by the bank to the depositor is a deposit receipt.

In addition, depositors must provide their identity documents when withdrawing funds in advance. Those who withdraw on behalf of others must provide not only the identity documents of the depositor but also the identity documents of the person who withdraws money.

This reserve can only be partially withdrawn in advance once.

Interest is calculated based on the agreed interest rate at the time of deposit, and the interest is paid off with the principal.

Please see the interest rate table for specific interest rate standards.

Small deposits and lump sums: refers to a kind of savings with an agreed deposit period, fixed monthly deposits, and a one-time withdrawal of principal and interest upon maturity.

Generally, the starting deposit is five yuan per month.

Deposit periods are divided into one, three and five years.

The procedures for opening an account are the same as for current savings, except that the deposit must be renewed every month based on the amount at the time of account opening.

The procedures for early withdrawal by depositors are similar to the procedures for lump-sum withdrawal of time savings deposits.

Generally, the minimum deposit is five yuan, and it is deposited once a month. If there is any omission during the process, it should be made up in the next month.

Interest is calculated based on the actual deposit amount and actual deposit period. Please see the interest rate table for specific interest rate standards.

Lump-sum deposit and partial withdrawal: refers to a type of savings in which the principal is deposited once and the principal is withdrawn in installments.

The procedures for opening a deposit account are the same as those for current accounts. The minimum deposit is one thousand yuan, and the withdrawal period is one month, three months and half a year.

It is agreed between the depositor and the bank savings institution when opening an account.

Interest will be paid when the term is settled. Please see the interest rate table for specific interest rate standards.

Deposit and interest withdrawal: refers to a kind of savings that agrees on the deposit period, deposits in one lump sum, collects interest in installments, and withdraws the principal in one lump sum upon maturity.

Generally, the minimum deposit is five thousand yuan.

The deposit period is divided into three years and five years.

The interest is withdrawn from the passbook every month, and the principal is withdrawn at maturity.

The account opening and withdrawal procedures are the same as current savings. The procedures for early withdrawal are the same as those for regular deposits and withdrawals. Please see the interest rate table for specific interest rate standards.

Fixed deposit and fixed deposit: refers to a kind of savings that savers do not have to agree on the deposit period when depositing, and can withdraw at any time.

Generally the minimum deposit is fifty yuan.

Its account opening and withdrawal are similar to current savings deposits.

Notice deposit: It refers to a savings method in which the depositor does not agree on the deposit period and notifies the bank in advance when withdrawing the money.

The minimum deposit amount is one thousand yuan, and depositors can withdraw it in one go or in installments.

The bank calculates interest at a 40% discount based on the withdrawal amount, actual deposit period and the interest rate grade listed for the same period on the withdrawal date.

Personal Check Deposit Applicants should deposit no less than five thousand yuan when opening a personal check deposit account approved by the bank.

Depositors issue checks when they need to make payments, whether withdrawing cash or making transfers.

1. Characteristics and types of savings 1. Characteristics of savings: low risk, flexible and diverse methods and periods, simplicity and convenience, and relatively low returns.

It is these characteristics of savings that determine that savings are the most common and commonly used means of financial management.

2. Types of savings: RMB savings are usually divided into two categories: current savings and regular savings according to different deposit periods. Regular savings can be divided into the following types: lump sum deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, lump sum deposits and lump sum withdrawals, deposits

Principal interest, fixed deposit and call deposit.