Why is there no certificate for large value certificates of deposit, and does there be a certificate

A large-denomination certificate of deposit is an electronic certificate of deposit on a bank account, and does not have a passbook paper certificate of deposit like ordinary deposits. ICBC's large-denomination certificates of deposit contain two varieties, half-year and one-year. The interest rate on large certificates of deposit is basically 40% higher than the central bank's benchmark interest rate.

Certificates of deposit (CDs) are issued by commercial banks to individual investors(Electronic) book-entry vouchers for large deposits (no paper vouchers).With the savings card as the medium, it is a personal deposit, and it enjoys the deposit insurance protection, that is, 100% compensation within 500,000 yuan. The minimum purchase threshold (quota) is high, generally 200,000 or 300,000 yuan is required, and the interest rate will rise significantly compared with the ordinary deposit interest rate, and the interest rate is about the same.

Under normal circumstances, the interest rate of large-amount certificates of deposit and deposit products of small and medium-sized banks will be higher, so you can also pay attention to the "smart bank deposits" of small and medium-sized banks, and enjoy the protection of deposit insurance (according to the "Deposit Insurance Law": individuals enjoy 100% compensation within 500,000 yuan for ordinary deposits in a single bank), and the "interest rate" is about 4%, which has the advantages of high liquidity (can be withdrawn in advance) and higher interest rate than general deposits.

Or pay attention to "Du Xiaoman Technology Service Account (duxiaomanlicai)" for detailed product information. Investment is risky, and financial management needs to be cautious!

If purchased through the China Merchants Bank system, the systems of China Merchants Bank have passed the security certification of the China Information Security Product Evaluation and Certification Center, and the system is safe and reliable, please feel free to use it.

Certificates of deposit for large amounts are proven.

However, the certificate of a large certificate of deposit is not the same as that of an ordinary deposit. Generally speaking, the certificates of deposit of large-denomination certificates of deposit are electronic and do not have passbooks like ordinary deposits.

Paper certificates of deposit. Investors can do so over the bank counter or through mobile banking.

Inquire about certificates of deposit (CDs).

Extended information] Large-denomination certificates of deposit are a special deposit product, which has been launched since 2015, because the interest rate is relatively high and the flexibility is better, so it is sought after by the market as soon as it is launched. However, the threshold for large-amount certificates of deposit is relatively high, and the minimum threshold for large-amount certificates of deposit is 200,000 yuan, and some banks even require more than 300,000 yuan to subscribe. It is precisely because the threshold is relatively high that the corresponding rate of return.

Relatively compared to ordinary time deposits.

Higher. In the past few years, some banks have indeed given more than the interest rate on large-amount certificates of deposit, and some banks can even give more than 5% interest rates.

According to the actual situation of the current market, it is impossible for most banks to give interest rates on large certificates of deposit. The self-regulatory mechanism for bank interest rates held a meeting, which made two adjustments to bank deposit rates:

The first adjustment is to change the bank's interest rate pricing. Previously, the bank's interest rate was priced at the central bank's benchmark rate.

based on the floating percentage. For example, the central bank's three-year benchmark interest rate is 50% higher, and the interest rate is different for different banks, and some small banks can even rise by 90%, which is quite a real interest rate.

Can give the above. However, since June 21, the bank interest rate pricing model has changed, and the current interest rate pricing model is based on the central bank's benchmark interest rate plus basis points, such as the three-year benchmark interest rate, plus 50 basis points of the actual interest rate.

The second adjustment is to reduce the room for bank interest rates. In the past few years, there is a lot of room for interest rates to rise in the interest rates of major banks, and individual banks can rise by more than 100 percent, with the result that the deposit interest rates in the market have continued to soar, and the interest rates on large certificates of deposit of individual small banks can even be bridged to more than 5 percent. However, when bank deposit rates rise, this cost will eventually be passed on to the real economy on the loan side.

As a result, the financing cost pressure on the real economy is relatively large. In this context, the regulators require to reduce the financing cost of small and medium-sized enterprises, and how to control the interest rate cost of banks has become the focus.

The safety of the deposit is not guaranteed by the certificate of deposit or paper certificate, but by strict rules and regulations, strict operating procedures, excellent silver management norms and strict regulatory systems and measures. A certificate of deposit is only a certificate of record, a certificate of trace, or a vehicle for deposits. Fixed deposits can now be processed independently through banking, mobile banking and other channels, and customers can also check their capital status through electronic channels.

Therefore, when dealing with large deposits or certificates of deposit, depositors can check the existence of processed transactions through electronic channels or over the counter. If they are really not at ease, they can also ask the bank to give you a paper receipt. However, it should be noted that we must take good care of our ID cards, bank cards, deposit receipt passwords, online banking, mobile banking and other tools, and do not disclose them to others, so as to effectively ensure the safety of our own funds With the popularization of network technology and computerization, electronic deposit certificates have entered our lives!

In fact, before that, treasury bonds and treasury bills had already been electronicized!

This data is stored not only in the bank, but also in the corresponding national database and security center! Can be cross-compared and verified! Distributed in different regions at the same time,!

Avoid the effects of natural disasters or network failures in a certain area! At the same time, electronic certificates of deposit greatly save costs, simplify procedures, improve efficiency, and make some functions of large certificates of deposit, such as transferring mortgages, more convenient! This is the trend of the future!

First, avoid online theft and off-site theft. You can only withdraw money if you hold the certificate of deposit at the business hall! The business staff will check the identity of the person withdrawing the money!

Further reduce losses, risks and risks....The difference between large certificates of deposit and large certificates of deposit, there is a big difference in flexibility and deposit interest rates between the two, large deposits are actually floating deposits of traditional products, the deposit interest rate is slightly higher than that of traditional deposits and lower than the interest rate of large certificates of deposit, and the flexibility of large deposits is extremely low and <>

Large certificates of deposit are highly flexible, transferable, high-quality, can be withdrawn in advance, and can choose between monthly interest and maturity interest, which are very different. For legal and compliant certificates of deposit issued by regular banks, there is no need to worry about security, if you feel that there is no paper certificate of deposit,You can go to the nearest depository bank branch to apply for a certificate of deposit; However, when choosing a large certificate of deposit, it is necessary to pay attention to the expected maturity, and it is more appropriate to choose the monthly interest, because the monthly interest income can be used for financial management again to improve the total deposit yield

Because the bank lost the paper vouchers for the safety of the depositors, they did not give them the vouchers.

Mainly in accordance with official regulations, many certificates of deposit are now issued electronically. You can check the relevant records through the bank card.

It is because our country has introduced new measures and measures to stipulate that bank loans generally exist in the form of electronic contracts.

When handling deposit business for customers, the bank will open a large certificate of deposit in the depositor's bank card.

dedicated accounts. The investor's funds for the purchase of CDS will be transferred from the current account of his bank card to the dedicated account of CDS.

<>Therefore, banks do not provide paper certificates of deposit when handling large-value certificates of deposit, but they will provide business vouchers when handling them over the counter, in mobile banking.

An electronic version will also be available at the time of application. The business voucher provided by the bank can prove that the investor has handled the CD business through the bank. If investors are really not at ease and want to hold paper certificates of deposit, they can also take the initiative to ask the bank for the certificate of deposit, but the bank needs to charge an additional fee for the certificate of deposit, generally 10 yuan per certificate.

Why don't banks give paper certificates for CDS? In fact, there are absolutely no rules for this.

Whether it is at the bank's business outlets or e-banking.

It is also a large-amount certificate of deposit subscribed by a third-party platform, which is in the form of electronic certificates of deposit. Because the deposit threshold of CDS is generally 200,000 yuan, which is relatively large, banks do not issue paper certificates of deposit for the safety of depositors' funds. CDS is a deposit product of formal banks, and banks must file before issuing CDS every year, which shows that the supervision of CDS is very strict.

Therefore, the risk is relatively low. In addition, at present, CDS is used for bank card deposits, and banks will open a sub-account under each bank account. In contrast, electronic CDS is more secure because paper deposits are not password protected if someone picks up your ID.

and CDs, which can be withdrawn after expiration. People are richer than we are. This man is better than we are.

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Because it is one of the financial products of the bank when handling the large number of deposit certificates, which belong to general deposits, they can only be notified electronically, and the deposit certificates cannot be given to the bank deposit certificates, and after the deposit certificates are issued, they cannot be automatically redeemed when they expire, which is also to ensure the standardization and security of the financial system and prevent fraud.

In order to avoid exposing the privacy of customers, the bank will not provide deposit receipts, but the stool digging file will issue us some other certificates after handling the large amount of deposit certificates, so there is no need to worry too much, we only need to handle the bulk leasing business according to the bank's prompts.

Because the deposit slip is only used as a voucher, it can only be stored in the bank card, and if it is not available, it will be re-processed, so it will not be provided.