The time Deposit is a method of bank deposit with a definite date of maturity, made for one time or by many times on schedule （during the appointed deposit term），or withdrawn together with the interest in a lump sum or by installment.
According to the way of deposit and withdrawal, the time deposit has the following categories: lump-sum deposit & withdrawing, small savings for lump-sum withdrawal, interest withdrawal on a principal deposited, big money saving and small withdrawing time deposit,etc.
定期儲(chǔ)蓄是在存款時(shí)約定存期,一次或按期分次（在約定存期）存入本金，整筆或分期支取本金利息的一種儲(chǔ)蓄形式。
按存取方式定期儲(chǔ)蓄分為整存整取定期儲(chǔ)蓄、零存整取定期儲(chǔ)蓄、存本取息定期儲(chǔ)蓄、整存零取定期儲(chǔ)蓄等。
I. Definition
Interest Withdrawal on principal deposited Time Deposit refers to savings deposit whose principal is deposited in a lump sum, whose interest is withdrawn by installment and whose principal is repaid upon maturity date. The minimum amount of the deposit is 5,000 RMB yuan and the maturities range from three grades: 1 year, 3 years and 5 years.
一、定義
存本取息定期儲(chǔ)蓄存款是指一次存入本金，分次支取利息，到期支取本金，起存金額為5,000元人民幣，存期分一年、三年、五年的一種儲(chǔ)蓄存款。
II.Service Features
1.Interest Withdrawal on principal deposited Time Deposit has the characteristics of long maturity and high interest rate ,and suitable for depositing of savings that will not be used within a quite long period of time.
2.The savings office will issue a deposit certificate（passbook） to you and you will be paid the principal in a lump sum when the deposit is due. The deposit amount is set by the depositor and the accrued interests are paid by installment.
3.The interest is calculated at the same rate on time deposit in the deposit term. If there is no withdrawal upon maturity date, the interest, whose principal is post-dated, is calculated at the current deposit rate quoted on the day of withdrawal. If the depositor agrees, the bank can manage a promissory or an automatic renewal time deposit. Then the interest will be calculated at the rate quoted on the redeposit day.
二、業(yè)務(wù)特點(diǎn) 1、存本取息定期儲(chǔ)蓄存款具有期限長(zhǎng)、利率高的特點(diǎn)，適用于較長(zhǎng)時(shí)期不用的節(jié)余款項(xiàng)的存儲(chǔ)。
2、由儲(chǔ)蓄機(jī)構(gòu)發(fā)給存款憑證，到期一次支取本金。存款金額由儲(chǔ)戶自定，分期支取本息。
3、存期內(nèi)按存入時(shí)同檔次定期利率計(jì)息，到期未支取，超過存期部份按支取日公布的活期利率計(jì)息 。也可根據(jù)儲(chǔ)戶意愿，辦理定期存款到期約定或自動(dòng)轉(zhuǎn)存，存款到期轉(zhuǎn)存，按轉(zhuǎn)存日掛牌公告的利率計(jì)息。
III. Procedures for Account Opening 1.In opening an account of Time deposit of small savings for lump-sum withdrawal, the depositor shall present his or her ID card or other valid credentials Chinese residents.
2.Such deposit may be withdrawn fully or partly prior to maturity for one time, or, upon authorization in advance, handled on agency renewal of depositing upon maturity by the bank.
3.At the time of account opening, the client may choose the method of withdrawal with a passbook or by password. If the method of withdrawal by password is chosen, the depositor shall enter on the spot a six-digit password into your savings account through the password processor on the counter.
三、開戶手續(xù) 1、開立存本取息定期儲(chǔ)蓄存款賬戶時(shí)，儲(chǔ)戶可憑其身份證或其他有效身份證件。
2、本存款可允許全部或部分提前支取一次，也可預(yù)約由銀行代辦到期轉(zhuǎn)期續(xù)存。
3、開戶時(shí)可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，儲(chǔ)戶須當(dāng)場(chǎng)在柜臺(tái)上的密碼器上輸入一個(gè)6位數(shù)字作為賬戶的密碼?！?BR>
According to the way of deposit and withdrawal, the time deposit has the following categories: lump-sum deposit & withdrawing, small savings for lump-sum withdrawal, interest withdrawal on a principal deposited, big money saving and small withdrawing time deposit,etc.
定期儲(chǔ)蓄是在存款時(shí)約定存期,一次或按期分次（在約定存期）存入本金，整筆或分期支取本金利息的一種儲(chǔ)蓄形式。
按存取方式定期儲(chǔ)蓄分為整存整取定期儲(chǔ)蓄、零存整取定期儲(chǔ)蓄、存本取息定期儲(chǔ)蓄、整存零取定期儲(chǔ)蓄等。
I. Definition
Interest Withdrawal on principal deposited Time Deposit refers to savings deposit whose principal is deposited in a lump sum, whose interest is withdrawn by installment and whose principal is repaid upon maturity date. The minimum amount of the deposit is 5,000 RMB yuan and the maturities range from three grades: 1 year, 3 years and 5 years.
一、定義
存本取息定期儲(chǔ)蓄存款是指一次存入本金，分次支取利息，到期支取本金，起存金額為5,000元人民幣，存期分一年、三年、五年的一種儲(chǔ)蓄存款。
II.Service Features
1.Interest Withdrawal on principal deposited Time Deposit has the characteristics of long maturity and high interest rate ,and suitable for depositing of savings that will not be used within a quite long period of time.
2.The savings office will issue a deposit certificate（passbook） to you and you will be paid the principal in a lump sum when the deposit is due. The deposit amount is set by the depositor and the accrued interests are paid by installment.
3.The interest is calculated at the same rate on time deposit in the deposit term. If there is no withdrawal upon maturity date, the interest, whose principal is post-dated, is calculated at the current deposit rate quoted on the day of withdrawal. If the depositor agrees, the bank can manage a promissory or an automatic renewal time deposit. Then the interest will be calculated at the rate quoted on the redeposit day.
二、業(yè)務(wù)特點(diǎn) 1、存本取息定期儲(chǔ)蓄存款具有期限長(zhǎng)、利率高的特點(diǎn)，適用于較長(zhǎng)時(shí)期不用的節(jié)余款項(xiàng)的存儲(chǔ)。
2、由儲(chǔ)蓄機(jī)構(gòu)發(fā)給存款憑證，到期一次支取本金。存款金額由儲(chǔ)戶自定，分期支取本息。
3、存期內(nèi)按存入時(shí)同檔次定期利率計(jì)息，到期未支取，超過存期部份按支取日公布的活期利率計(jì)息 。也可根據(jù)儲(chǔ)戶意愿，辦理定期存款到期約定或自動(dòng)轉(zhuǎn)存，存款到期轉(zhuǎn)存，按轉(zhuǎn)存日掛牌公告的利率計(jì)息。
III. Procedures for Account Opening 1.In opening an account of Time deposit of small savings for lump-sum withdrawal, the depositor shall present his or her ID card or other valid credentials Chinese residents.
2.Such deposit may be withdrawn fully or partly prior to maturity for one time, or, upon authorization in advance, handled on agency renewal of depositing upon maturity by the bank.
3.At the time of account opening, the client may choose the method of withdrawal with a passbook or by password. If the method of withdrawal by password is chosen, the depositor shall enter on the spot a six-digit password into your savings account through the password processor on the counter.
三、開戶手續(xù) 1、開立存本取息定期儲(chǔ)蓄存款賬戶時(shí)，儲(chǔ)戶可憑其身份證或其他有效身份證件。
2、本存款可允許全部或部分提前支取一次，也可預(yù)約由銀行代辦到期轉(zhuǎn)期續(xù)存。
3、開戶時(shí)可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，儲(chǔ)戶須當(dāng)場(chǎng)在柜臺(tái)上的密碼器上輸入一個(gè)6位數(shù)字作為賬戶的密碼?！?BR>