英语阅读：存本取息定期储蓄

英语阅读：存本取息定期储蓄 考研屋 www.kaoyanwu.com 提供各大机构考研、公务员、四六级辅导视频课程 The time Deposit is a method of bank deposit with a definite date of maturity, made for one time or by many times on schedule (during the appointed deposit term)，or withdrawn together with the interest in a lump sum or by installment. According to the way of deposit and withdrawal, the time deposit has the following categories: lump-sum deposit & withdrawing, small savings for lump-sum withdrawal, interest withdrawal on a principal deposited, big money saving and small withdrawing time deposit,etc. 一次或按期分次(在约定存期)存入本金，整笔或分期 定期储蓄是在存款时约定存期, 支取本金利息的一种储蓄形式。 按存取方式定期储蓄分为整存整取定期储蓄、零存整取定期储蓄、存本取息定期储蓄、 整存零取定期储蓄等。 I. Definition Interest Withdrawal on principal deposited Time Deposit refers to savings deposit whose principal is deposited in a lump sum, whose interest is withdrawn by installment and whose principal is repaid upon maturity date. The minimum amount of the deposit is 5,000 RMB yuan and the maturities range from three grades: 1 year, 3 years and 5 years. 一、定义 存本取息定期储蓄存款是指一次存入本金，分次支取利息，到期支取本金，起存金额 为5,000元人民币，存期分一年、三年、五年的一种储蓄存款。 II.Service Features 1.Interest Withdrawal on principal deposited Time Deposit has the characteristics of long maturity and high interest rate ,and suitable for depositing of savings that will not be used within a quite long period of time. 2.The savings office will issue a deposit certificate(passbook) to you and you will be paid the principal in a lump sum when the deposit is due. The deposit amount is set by the depositor and the accrued interests are paid by installment. 3.The interest is calculated at the same rate on time deposit in the deposit term. If there is no withdrawal upon maturity date, the interest, whose principal is post-dated, is calculated at the 专业提供提供各大机构考研、公务员、四六级辅导视频课 考研屋 www.kaoyanwu.com 提供各大机构考研、公务员、四六级辅导视频课程 current deposit rate quoted on the day of withdrawal. If the depositor agrees, the bank can manage a promissory or an automatic renewal time deposit. Then the interest will be calculated at th 考研屋www.kaoyanwu.com :提供各大机构考研、公务员、四六级辅导视频课程 专业提供提供各大机构考研、公务员、四六级辅导视频课