What are the main types of personal savings deposits?

Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the way they are generated, and demand deposits according to the maturity.

and time deposits, which can be divided into unit deposits and individual deposits according to the different depositors (taking China as an example). Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks. The main types of personal savings deposits are current, fixed, lump sum and so on.

There are relatively few types of deposit instruments in China's commercial banks, and they are sorted according to the utilization rate as follows:

1: Fixed deposit.

2: Demand deposit.

3: Education savings.

4: Fixed savings in a lump sum deposit.

5: Fixed 2 pence deposit.

6: Personal call deposit.

7: Deposit principal and withdraw interest for regular savings.

1. What types of personal deposits are included?

1. Personal deposits include:

1) Ordinary deposits. Savings Deposits, Lump Sum Time Savings Deposits, Lump Sum Time Savings Deposits, Lump Sum Deposit Time Savings Deposits, Lump Sum Deposit Time Savings Deposits, Lump Sum Savings Deposits, OCBC RMB Fixed Deposits;

2) Special deposits. Call Deposits, Education Savings Deposits, Time Deposits.

2. 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.

2. What are the provisions for protecting the rights and interests of depositors?

The provisions for the protection of the rights and interests of depositors are as follows:

1. Commercial banks shall follow the principles of voluntary deposits, free withdrawals, interest-bearing deposits, and confidentiality of depositors in handling personal savings deposit business. Commercial banks have the right to refuse any unit or individual to inquire, freeze or deduct personal savings deposits, except as otherwise provided by law;

2. Commercial banks have the right to refuse inquiries from any unit or individual about their deposits, except as otherwise provided by laws and administrative regulations; have the right to refuse any unit or individual to freeze or withhold the transfer, except as otherwise provided by law;

3. Commercial banks shall determine the deposit interest rate in accordance with the upper and lower limits of the deposit interest rate stipulated by the People's Bank of China and make an announcement;

4. Commercial banks shall, in accordance with the regulations of the People's Bank of China, deposit deposit reserves with the People's Bank of China and retain sufficient reserves;

5. Commercial banks shall guarantee the payment of the principal and interest of deposits, and shall not delay or refuse to pay the principal and interest of deposits.

There are five types of fixed deposits:

1. Whole deposit and withdrawal.

Choose a deposit period, deposit the money in a lump sum, and withdraw the principal and interest after maturity;

2. Fractional deposit and withdrawal.

A fixed amount is deposited every month, and the principal and interest are withdrawn together after maturity;

3. Whole deposit and zero withdrawal.

Deposit an integer amount first, then withdraw the principal in installments, and withdraw interest at maturity; Qi Kai God.

4. Deposit principal and interest.

Deposit an integer amount into Sun Sen, take the interest in installments, and withdraw the principal when it expires;

5. Call deposit.

Deposits that do not have an agreed deposit period, can be deposited at one time, can be withdrawn multiple times, and must be notified to the bank in advance to agree on the withdrawal date and amount before they can be withdrawn.

In addition, the term of a fixed deposit can be divided into three months, six months, one year, two years, three years, and five years.

Legal Analysis: 1. Fixed Deposits.

1. Lump sum deposit and lump sum fixed savings, minimum deposit of 50 yuan, deposit period is divided into three months, half a year, one year, two years, three years and five years, and the principal is deposited at one time;

2. Fixed savings of small deposits, starting at 5 yuan, with a deposit period of one year, three years and five years, and deposited once a month according to a fixed amount.

3. Deposit principal and interest on regular savings, with a minimum deposit of 5,000 yuan, a deposit period of one year, three years and five years, deposit the principal at one time, withdraw interest regularly, and repay the principal at maturity.

2. Current savings.

1. Current savings, with a minimum deposit of 1 yuan, will be issued by the savings institution to the passbook, which can be accessed and withdrawn at any time after opening an account;

2. Fix and live two Qiming to save, 50 yuan minimum deposit, uncertain deposit period, registered can be reported loss.

Legal basis: Article 16 of the Regulations on the Administration of Savings Article 16 Savings institutions may 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.

Deposits can be divided into original deposits and derivative deposits according to the method of generation. According to the maturity, it can be divided into demand deposit and time deposit, and time savings can be divided into several types, namely, lump sum deposit, lump sum deposit, lump sum deposit, principal and interest, fixed deposit and call deposit, which vary according to different access methods. According to the different depositors (taking China as an example), it can be divided into unit deposits and individual deposits; Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

Extended Data Dry Beam].

Deposit refers to the depositor's temporary transfer or storage of funds or currency in a bank or other financial institution under the condition of retention of ownership, or the temporary transfer of the right to use the funds or currency to a bank or other financial institution, which is the most basic and important financial act or activity, and is also the most important credit fund of the bank**. Deposit is one of the most basic business of a bank, and without deposit, there will be no loan, and there will be no bank. In terms of the time of generation, deposits predate banks.

In the Tang Dynasty, there were cabinets in China that specialized in receiving and keeping money, and depositors could pay money with "stickers" or other tokens similar to checks. The numismatic money changers that appeared in Europe in the Middle Ages also accepted customers to deposit money, which was in the nature of money custody and did not pay interest, which was the germ of foreign bank deposit business. With the advent of banks and other financial institutions, the deposit business of banks has developed rapidly.

Time deposits, under normal circumstances, the interest rate of time deposits is about the same, that is to say, if you deposit 100,000 yuan in the bank, you will be able to get 1750 interest after a year, and the interest rate belongs to a relatively normal bank. And some banks will have a higher interest rate, for example, so you can get 2300 a year. However, if there are some higher interest rates, then you should pay more attention, it may be some financial products or constitutive deposits, this kind of deposit has a certain risk in it, but you can't look at the high interest rate on the place, it may cause unnecessary losses.

Time deposits are also known as "certificates of deposit". 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. Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

Interest shall be calculated and paid according to the deposit interest rate on the date of opening the certificate of deposit for withdrawal at maturity, and interest shall be calculated according to the interest rate of the current savings deposit on the date of withdrawal for early withdrawal. You can apply for a small pledge loan with your own fixed deposit certificate.

1. Lump sum deposit and lump sum withdrawal of fixed savings deposits.

A service that stipulates the deposit period at the time of deposit, deposits the principal at one time, and withdraws the principal and interest at maturity. It can be withdrawn in part or in full in advance. The minimum deposit is 50 yuan, and the deposit period is divided into three months, half a year, one year, two years, three years, and five years.

2. Fixed savings deposits.

At the time of deposit, the deposit period is agreed, the principal is deposited in installments, and the principal and interest are withdrawn at one time at maturity, with a minimum deposit of 5 yuan, and there is no limit to multiple deposits, and the deposit period is divided into one year, three years, and five years. (Deposit once a month, if you miss it halfway, you can make up it in the next month, and you won't make up for it in more than two months, and you can't withdraw part of it in advance.) )

3. Deposit principal and interest fixed savings deposit.

The principal is deposited at one time, the deposit period and interest period are agreed, the principal is withdrawn at one time at maturity, and the interest is withdrawn in installments, with a minimum deposit of 5,000 yuan and a deposit period of one year, three years and five years. If the principal is withdrawn in advance, the interest during the deposit period shall be calculated according to the provisions of early withdrawal of time deposits, and the overpaid interest shall be deducted, and no part of the early withdrawal shall be allowed.

4. Lump sum and zero withdrawal of fixed savings deposits.

The principal is deposited at one time, the deposit period and withdrawal period are agreed, the minimum deposit is 1000 yuan, and the deposit period is divided into one year, three years, and five years.