Postal savings have facilitated the savings deposits of urban and rural residents, and what are the

The postal bank has outlets in every township in the country, and the whole country can deposit and exchange. This is the convenience of urban and rural residents.

In modern society, savings has become an important asset for financial institutions**. Compared to other investment methods, savings are safe and risk-free. Since most households in the country have a limited investment risk tolerance, banks with high security for depositing idle funds in others have still become the first choice for many residents.

In China, there are the following basic forms of savings deposits: (1) demand savings. Savings is one of the most basic and commonly used ways to make deposits.

The feature of this method is that the customer does not agree on the deposit period, and can access it at any time, and the amount of access and withdrawal is not limited. Because you can deposit and withdraw funds at any time, you can move funds freely and flexibly, which has also become the basis for customers to carry out various financial activities.

The starting point for current savings is low, with RMB 1 yuan as the deposit point, and foreign currency with the equivalent foreign currency of not less than 20 yuan or 100 RMB as the deposit point (different banks), and there is no limit to more deposits. When opening an account, the bank will issue a passbook or savings card, and the interest generated by the passbook or card will be settled once a year.

Generally speaking, the following types of funds are suitable for current savings: personal living funds, idle cash funds, business operation working capital, etc. (2) Lump sum fixed savings deposits.

The characteristics of this deposit method are that the depositor agrees on the monthly deposit amount (generally 5 yuan from deposit) when opening an account next to the stool, the deposit period is divided into 1 year, 3 years, and 5 years, and a fixed amount is deposited every month according to the agreement.

3) Lump sum deposit and lump sum time savings deposit. Lump sum deposit and lump sum withdrawal of fixed savings deposit is a one-time depositor of the principal of the depositor, the deposit institution will issue a certificate of deposit at the time of deposit, and the principal and interest will be withdrawn with the certificate of deposit during the period of abortion. The deposit point is generally 50 yuan, and there is no limit to more deposits, and the deposit period is divided into 3 months, half a year, 1 year, 2 years, 3 years, and 5 years.

4) Time Savings Deposit with Interest on Deposit.

The depositor deposits the principal and withdraws the interest in installments with the depositor's principal at one time (the interest can be withdrawn once every month or several months when opening the account), and the principal is withdrawn once at maturity. At the time of deposit, the deposit institution will issue a deposit certificate, and the deposit period is divided into 1 year, 3 years and 5 years. If the depositor needs to withdraw the principal in advance, the interest during the deposit period shall be calculated according to the current deposit interest rate, and the overpaid interest shall be deducted by the bank.

5) Savings deposits. The characteristic of the fixed and active savings deposit is that there is no agreement on the deposit period when opening the account, and the bank calculates the interest according to the actual deposit period of the depositor's deposit according to the regulations, and can withdraw it at any time. The certificate of deposit is issued by the savings institution, and the starting point is generally 50 yuan, and there is no limit to more deposits.

There are two types of certificates of deposit: registered and bearer, in which registered certificates of deposit can be reported as lost, and bearer certificates of deposit cannot be reported as lost.

Postal Savings Bank of ChinaFixed savings include lump sum deposits, lump sum deposits, principal deposits and interest withdrawals, lump sum deposits and zero withdrawals, fixed amount fixed deposits, etc.

Regular savings are savings that are predetermined for a certain amount of time when a depositor deposits money. It is suitable for the storage of the balance of personal goods and celery coins, and meets the needs of people who have a plan to deposit and withdraw funds for a certain purpose.

Fixed savings have a long tenure and are relatively stable, which is an important fund for banks**. The interest rate is higher than that of current deposits, but for fixed savings withdrawn in advance, banks pay lower interest based on the actual tenor.

A fixed savings deposit is a type of savings that is deposited in one or more installments and withdrawn in principal or interest at one or more times for an agreed period. The longer the term of a fixed savings deposit, the higher the interest rate.

In fact, postal savings is the same as general bank deposits and withdrawals

There are three ways to make postal savings deposits:

1. Deposit over the counter of any networked postal savings bank in the country.

2. Postal Savings Bank deposit and withdrawal all-in-one machine deposit.

3. Deposit to the designated account by transfer.

Government savings have the following characteristics:

1.Wide range of services: Postal savings has the characteristics of many points, wide coverage, long business hours (open in the morning and closed in the evening, no rest on holidays), and close to residents' lives (outlets are located in residential areas, markets, commercial buildings and other places).

2.Variety: The service tenet of postal savings is "service first, customer first". In addition to the normal savings business, also:

It has started a variety of agency services such as salary payment, sales and exchange of treasury bonds, insurance agency, collection of long-term fees, and local telephone bills.

3.Convenient and fast: The Postal Savings Green Card Network is currently the largest computer network in the country that processes the deposit and exchange business in real time.

The savings passbook can be used for remote deposit and withdrawal business at postal savings network points in networked cities across the country, and can be withdrawn at ATMs with savings cards.

Fund. 4.Confidentiality and reliability: Postal savings remote access must be made with a password. Users can change the card password at any ATM at any time as needed.

Codes, passbooks and savings cards can be separated by different passwords, and if the user accidentally loses the passbook or savings card, they can go to the nearest Internet point.

Handle temporary loss reporting, so as to ensure the safety of user funds.

You can withdraw money directly at the counter with a passbook or card, but for a fee.