There are different types of savings

The ways of saving are divided into:There are four types of time deposits, fixed deposits, fixed savings with principal and interest, and call deposits.

1. Fixed deposits

Users can agree to automatically roll over the deposit on the account opening date, and the deposit can be automatically rolled over with interest according to the original deposit period when it expires. When the certificate of deposit expires, it can be deposited and exchanged within the same city or county.

2. Regular savings for small deposits and lump sum withdrawals

The minimum deposit is 5 yuan, and the deposit period is divided into one year, three years and five years, and the deposit is made once a month according to a fixed amount. If there is any omission in the middle of the deposit, it should be replenished in the next month, and if it is not replenished, the interest will be calculated in stages when it is withdrawn at maturity. Interest will be calculated on the amount deposited before the leakage deposit at the interest rate of the lump sum deposit, and interest will be calculated at the current interest rate on the amount deposited after the leakage.

3. Deposit principal and interest for regular savings

If it is necessary to withdraw in advance during the agreed deposit period, the interest shall be calculated according to the current deposit interest announced by the bank on the withdrawal date, and the interest withdrawn during the deposit period shall be deducted from the principal at one time.

4. Call deposit

The minimum deposit amount of the "seven-day call deposit" is 50,000 yuan, and the current interest rate is an annual interest rate, which is nearly 1 percentage point higher than the annual interest rate of current savings. For "7-day call deposit", the bank will automatically roll over the deposit and calculate compound interest on a seven-day cycle.

When the depositor wants to withdraw money, he needs to notify the bank seven days in advance to agree to withdraw the money, and if the withdrawal is overdue, the interest will be calculated according to the interest rate of the demand deposit, that is, the interest from the agreed withdrawal date to the actual withdrawal date will be calculated according to the demand deposit.

Savings are divided into current savings, lump sum fixed savings, lump sum fixed savings, fixed savings with principal and interest, fixed savings with zero deposits, fixed savings and call deposits.

and so on.

It is divided into current savings, lump sum fixed savings, lump sum fixed savings, fixed savings with principal and interest, fixed savings with zero withdrawal, fixed savings and call deposits.

There are three types of savings:

1. Current savings deposits, which are characterized by the fact that there is no restriction on the amount of time and withdrawal, but the interest is relatively small.

2. Fixed savings: Fixed deposits are characterized by a fixed deposit period, a longer deposit period, a larger amount, a higher interest rate, and a relatively stable deposit.

3. Saving for two pence, the characteristics of this kind of savings are that it is as convenient to withdraw as a current account, and the interest rate is relatively high when the deposit period is longer. Users can choose the type of savings according to their needs.

The types of savings are divided into demand deposits, time deposits, lump sum deposits, lump sum deposits, lump sum deposits, lump sum deposits, fixed deposits, principal deposits and interest withdrawals, and other call deposits. Savings refers to the economic activities of each person or family who deposit the money saved in the bank. It is a deposit activity in which urban and rural residents deposit their monetary income that is not used or surplus for the time being into banks or other financial institutions.

Another traveler called the savings deposit stupid oak. Savings deposits are an important asset for credit institutions**.

Basic Information. Savings deposits are an important asset for credit institutions**. The development of savings business can, to a certain extent, promote the adjustment of the proportion and structure of the national economy, gather funds for economic construction, stabilize market prices, regulate currency circulation, guide consumption, and help the masses make arrangements for their lives.

The principle of savings in our country is "voluntary deposits, free withdrawals, interest-bearing deposits, and confidentiality for depositors". The cash held by individual residents is personal property, and no unit or individual may force or prevent it from depositing it in a savings institution in any way.

Precautions. Fixed two-pence deposit is a form of savings with a fixed deposit period, and the principal can be withdrawn at any time at one time, which is very flexible. It is divided into two types: fixed fixed living and non-fixed fixed living two pennies.

The minimum deposit of two pennies is 50 yuan, and the amount is not limited; Fixed and fixed living two pence is divided into 100 yuan, 200 yuan, 500 yuan, 1,000 yuan and other denominations.

The methods of savings include: demand deposit, time deposit, lump sum deposit, lump sum deposit, lump sum deposit, lump sum deposit, fixed deposit and two pence, principal deposit and interest, and other call deposits. Savings is actually a kind of deposit activity of financial institutions, which refers to the deposit of money by individuals or organizations in banks or other financial institutions.

Individuals or organizations can choose different savings methods to deposit according to their needs.

1. Demand deposit: refers to the deposit that can be deposited and withdrawn at any time without a specified period;

2. Time deposit: refers to a specified deposit period, and the principal and interest can only be withdrawn after maturity, and the interest rate is higher than that of demand deposit;

3. Lump sum deposit and withdrawal: It refers to a specified deposit period, and all the principal and interest can be withdrawn at one time after maturity, which can be automatically transferred;

4. Lump sum deposit: refers to a fixed amount of deposit period during the deposit period, and the principal and interest can be withdrawn at one time after the maturity;

5. Lump sum deposit and withdrawal: refers to a one-time deposit of principal with a specified deposit period, but the principal can be withdrawn in installments at a fixed time;

6. Fixed and live two pence: It means that the deposit period can be withdrawn at any time without a specified period, and the interest is calculated according to the actual deposit period;

7. Deposit principal and interest: refers to a one-time deposit of principal with a specified deposit period, and the interest is withdrawn in installments according to a fixed time, and the principal is withdrawn in a lump sum after maturity;

8. Call deposit: refers to the deposit period without a specified period, and the withdrawal date and withdrawal amount should be booked with the bank before withdrawal.

The bank savings methods are as follows:

1. Fixed depositsA fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. Fixed deposits are used to settle or withdraw cash from a fixed deposit account. If the customer needs funds temporarily, he can apply for early withdrawal or partial early withdrawal;

2. Demand deposits. Refers to a bank deposit that can be accessed and transferred at any time by the depositor without any prior notice, in the form of a checking deposit account, certified check, cashier's check, traveler's check and letter of credit. Demand deposits account for the largest part of a country's currency** and are also an important fund for commercial banks**;

3. Call deposit. Call deposit is a kind of deposit that does not have an agreed deposit period, and can only be withdrawn if the bank is notified in advance, and the withdrawal date and amount are agreed upon when withdrawing. The currencies of call deposits can be RMB, HKD, GBP, USD, JPY, EUR, CHF, AUD, SGD (please consult your local bank for the specific business and currency of each province).

The interest rates of call deposits in RMB and foreign currencies are higher than those of demand deposits, which are subject to the regulations of each bank.

4. Unit deposits.

1) Corporate deposits. The vast majority of corporate deposits are demand deposits, and only a small number are time deposits;

2) Fiscal deposits. Banks ** state treasury, all financial receipts and expenditures must be handled through banks (see state treasury system). Fiscal revenue and expenditure are often inconsistent in time, and in the case of revenue first and expenditure later, the temporarily unused funds form fiscal deposits;

3) Capital construction deposits. deposits formed from funds used for capital construction that have not yet been expended;

4) Deposits of organs, organizations and troops. It is a deposit formed by the above-mentioned units from the financial concentration of unused funds;

5) Rural deposits. More than 90 percent of the deposits in banks of collective agriculture, township enterprises, and rural credit cooperatives are deposits.

Legal basis]:

Article 16 of the Regulations on the Administration of Savings.

Savings institutions can handle the following RMB savings business:

1) Savings deposits;

2) Lump sum deposit and lump sum withdrawal of fixed savings deposits;

3) Fixed savings deposits for lump sum deposits;

4) Deposited principal and interest on fixed savings deposits;

5) Lump sum and zero withdrawal of fixed savings deposits;

6) Savings deposits;

7) Lump sum deposit and lump sum fixed savings deposit of overseas Chinese (RMB);

8) Other types of savings deposits approved by the People's Bank of China.