1. Cash and current savings deposits can be directly applied for time savings deposits. The initial deposit amount of a fixed account is 50 yuan, and there is no limit to deposit more.
2. The term of deposit is three months, six months, one year, two years, three years and five years. You can withdraw part of your deposit in advance at one time. When the deposit expires, you can withdraw the principal and interest with the certificate of deposit, or you can automatically transfer it in installments according to the original deposit period.
3. When the time deposit is withdrawn at maturity, the interest shall be calculated according to the deposit interest rate on the opening date of the certificate of deposit. In case of early withdrawal, interest shall be calculated according to the deposit interest rate on the date of withdrawal. In case of overdue withdrawal, the interest shall be calculated according to the deposit interest rate on the withdrawal date. I can apply for a small mortgage loan with a certificate of deposit.
4. If the depositor withdraws the overdue time deposit in advance, it must be handled with the deposit certificate and the depositor's identity certificate; In the case of withdrawal by proxy, the drawee must also hold his/her identity certificate, and bear interest according to the current savings deposit interest rate announced on the date of withdrawal. The withdrawal agent should also sign the payment voucher.
5. For unexpired time deposits, depositors can withdraw part in advance as required, and the verification procedure remains unchanged. The interest rate for early withdrawal shall be paid according to the deposit interest rate announced on the withdrawal date, and the retained part shall be paid according to the original deposit date and the original interest rate. One-time deposits and withdrawal time deposits can only be partially withdrawn in advance. For partial withdrawal, the savings institution shall indicate the words "partial withdrawal in advance" on the certificate of deposit and the newly-opened certificate of deposit. (After 20 11March1,the one-time deposit and withdrawal of CCB can be partially withdrawn indefinitely, without withdrawal at one time, whether before or after. )
: 1. What is financial management?
When people talk about financial management, they think of investing or making money. In fact, the scope of financial management is very extensive. Financial management is to manage the wealth of life, that is, to manage the cash flow and risk of life. Includes the following meanings:
Financial management is to manage the wealth of a lifetime, not just to solve the problem of urgent need for money.
② Financial management is cash flow management. Everyone needs to use money (cash outflow) at birth to make money and generate cash inflow. Therefore, whether you have money or not, everyone needs to manage money.
③ Financial management also includes risk management. Because more future flows are uncertain, including personal risk, property risk and market risk, this will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).