Does the loss report of the certificate of treasury bond affect the interest?

The loss report of a certificate-type treasury bond certificate will not affect the calculation of interest.

Certificate treasury bonds have the characteristics of being similar to savings, but better than savings, and are especially suitable for wage earners and middle-aged and elderly people who lack professional financial knowledge and pursue stable investment returns.

1. The highest credit rating. Savings deposits are based on bank credit, and although certificate-type treasury bonds are also sold over the counter of commercial banks and postal savings bureaus, they represent national credit and are zero-risk investment varieties.

2. There are many sales outlets, and it is easy to buy. There are 40 banks and postal savings bureaus across the country, and nearly 80,000 outlets handle the sales and redemption of certificate-type treasury bonds, and most urban and rural residents can purchase certificate-type treasury bonds nearby.

3. Flexible monetization and good security. Although certificate treasury bonds cannot be listed and traded, they can be redeemed in advance, and in case of special needs, they can also be cashed out at the original purchase outlets at any time; If the relevant vouchers are accidentally lost, they can go to the original purchase outlet to go through the loss reporting procedures to ensure the safety of the creditor's rights.

4. Preferential income. The redemption income of certificate treasury bonds held at maturity is higher than the actual income of deposits of the same maturity after tax payment; The interest is calculated according to the interest rate set for early redemption according to the holding time, which is much higher than the early withdrawal income of bank deposits.

5. Strong financial function. When investors need a small loan, they can use the certificate treasury bonds as collateral to pledge financing to the original purchasing bank.

No, it won't. After loss, reporting the loss will not affect the calculation of interest after maturity.

The main characteristics of certificate-type treasury bonds are safety, convenience, and moderate returns. Specifically:

1) There are many outlets for the sale of treasury bonds, which is convenient for purchase and redemption, and the procedures are simple;

2) It can be registered and reported as lost, and the security of holding it is better;

3) The interest rate is l-2 percentage points higher than the bank's deposit interest rate in the same period (but lower than that of bearer and book-entry treasury bonds), and the interest is calculated at a progressive rate according to the holding time when redeeming in advance;

For users who hold certificated treasury bonds for no more than half a year, the handling fee charged is 1% of the amount withdrawn in advance; For users who have held certificate-type treasury bonds for more than half a year, the early withdrawal fee is to deduct the yield of certificate-type treasury bonds for half a year. If you have held a certificate treasury bond for more than two years but less than three years, the withdrawal fee is the yield of the certificate treasury bond for three months. In short, the longer you hold it, the less handling fee will be deducted.