關(guān)于整存零取定期儲蓄知識講解（雙語）

　　定期儲蓄是在存款時約定存期，一次或按期分次(在約定存期)存入本金，整筆或分期支取本金利息的一種儲蓄形式。

　　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.

　　按存取方式定期儲蓄分為整存整取定期儲蓄存款、零存整取定期儲蓄存款、存本取息定期儲蓄存款、整存零取定期儲蓄存款等。

　　I.Definition

　　一、整存零取定期儲蓄存款的定義

　　Lump-sum saving for small withdrawal time deposit refers to savings deposit whose principal is deposited at a time with the minimum amount of 1,000 RMB yuan. The maturities range from three grades: 1 year, 3 years and 5 years.

　　整存零取定期儲蓄存款是指一次存入本金，起存金額為1,000元人民幣，存期分一年、三年、五年的一種儲蓄存款形式。

　　II.Service Features

　　二、業(yè)務(wù)特點

　　1.Lump-sum saving for small withdrawal 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.

　　1、整存零取定期儲蓄存款具有期限長、利率高的特點，適用于較長時期不用的節(jié)余款項的存儲。

　　2.The deposit amount is set by the depositor. He can deposit money at a time every month. The interest rate is computed at the same rate on the lump-sum deposit & withdrawal time deposit. The savings office will issue a deposit passbook(certificate) to him, with which the depositor can withdraw the principal by installment, or at a time by every month, 3 months or 1/2 year in the drawdown period, which can be negotiated between the savings office and the depositor. The interest is paid when the deposit is due.

　　2、存款金額由儲戶自定，每月存入一次，到期支取本息，其利息計算方法與整存整取定期儲蓄存款計息方法一致。由儲蓄機構(gòu)發(fā)給存單(折)，憑存單(折)分期支取本金，支取期分一個月、三個月、半年一次，由儲戶與儲蓄機構(gòu)協(xié)商確定，利息于期滿結(jié)清時支取。

　　3.Lump-sum saving for small withdrawal 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.

　　3、整存零取定期儲蓄存款具有期限長、利率高的特點，適用于較長時期不用的節(jié)余款項的存儲。

　　III. Procedures for Account Opening

　　三、開戶手續(xù)

　　1.In opening an account of time deposit of small savings for lump-sum withdrawal, the depositor shall present his or her his or her ID card or other valid credentials.

　　1、開立整存零取定期儲蓄存款賬戶時，儲戶可憑其身份證或其他有效身份證件。

　　2. Such deposit may be withdrawn fully or partly prior to maturity for once, or, upon authorization in advance, and handled on agency renewal of depositing upon maturity by the bank.

　　2、本存款可允許全部或部分提前支取一次，也可預(yù)約由銀行代辦到期轉(zhuǎn)期續(xù)存。

　　3.At the time of account opening, the client may choose the method of withdrawal by password or with a passbook. If the method of withdrawal by password is chosen, the depositor shall enter on the spot a six-digit password into your savings account through the password processor on the counter.

　　3、開戶時可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，儲戶須當(dāng)場在柜臺上的密碼器上輸入一個6位數(shù)字作為賬戶的密碼。