产品名称

gerendaecundan

产品说明

gerendaecundanshiyouzhongguoyinxingfashoude，mianxianggerenkehudejizhangshidaecunkuanpingzheng，shicunkuanleijinrongchanpin，shuyibanxingcunkuan。

gerendaecundanweirenminbibiaozhunleigudinglilvdaecundan，baokuo1geyue、3geyue、6geyue、9geyue、1nian、18geyue、2nian、3nian 、5niandeng9geqixian。geqixianchanpindegoumaiqidianjinejunbudiyurenminbi20wanyuan。

gerendaecundananqifashou，meiqichanpindeqidianjine、qixian、duiyinglilvdengzuixinxinxixiangjianwoxingmenhuwangzhanxiangguanchanpingonggao：

产品优势

• 收益率高：本产品利率较同期限现有定期存款产品更具竞争力；
• 流动性好：本产品可办理全部/部分提前支取（部分产品不支持部分提前支取，具体请见产品发行公告）、质押贷款，还支持个人客户间转让，随时满足您的用款需求；
• 安全性强：本产品属于存款产品，保本保息，不存在本金和收益损失风险，安全可靠值得信赖；
• 功能丰富：本产品可依客户需要，选择性配发纸质存单凭证；
• 渠道灵活：支持网点柜台、智能柜台、网上银行和手机银行等多个渠道办理（部分产品仅限个别渠道办理，具体请见产品发行公告）。

办理流程

zaiwoxingkailigerenhuoqicunkuanzhanghudekehu，kechibenrenyouxiaoshenfenzhengjiandaowoxingwangdianjutaihuozhinengjutaibanliqianyueheshengou；yikaitongwangshangyinxing、shoujiyinxingdekehukezhijietongguowangshangyinxinghuoshoujiyinxingbanliqianyueheshengou。benyewuyunxudaiban。

温馨提示

1、benchanpincaiyongdianzifangshifashou，kepeifazhizhicundanpingzheng。

2、benchanpinbukezidongzhuancun。

3、weipeifazhizhicundanpingzhengdechanpindaoqizidongshuhui，bingketongguowangdianjutai、zhinengjutai、wangshangyinxing、shoujiyinxingdengduogequdaobanliquanbutiqianzhiqu；peifazhizhicundanpingzhengdechanpinxudaowangdianjutai、zhinengjutaibanlidaoqishuhui、quanbutiqianzhiqu；wulunshifoupeifazhizhicundanpingzheng，bufentiqianzhiqujunxudaowangdianjutaibanli，chanpinyuqishuhuixudaowangdianjutai、zhinengjutaibanli。

4、本产品全部提前支取的，按照支取日我行挂牌公告的活期储蓄存款利率计付利息；部分提前支取的，提前支取的部分按支取日我行挂牌公告的活期储蓄存款利率计付利息，其余部分到期时按大额存单开户日约定的存款利率计付利息。

5、qingzaiqianyueqianzixiyuedu《zhongguoyinxinggufenyouxiangongsigerendaecundanchanpinkehuxuzhi》。

金融小知识

daecundanshiyinxingyecunkuanleijinrongjigoumianxiangfeijinrongjigoutouzirenfaxingdejizhangshidaecunkuanpingzheng，shuyibanxingcunkuan，narucunkuanbaoxianfanwei。daecundandetouzirenbaokuogeren、feijinrongjigou、jiguantuanti，yijibaoxiangongsi、shebaojijindeng。gaichanpinjuyoubenxianquan、qixianbiaozhun、lilvshichanghuadengtedian。tongshi，daecundankeshezhitiqianzhiqutiaokuan，weicundanchiyouzhetigongyidingdeliudongxingzhichi。jiyuzheixietedian，bushaoguojiadouzaililvshichanghuadegaigeguochengzhongcengjingxuanzedaecundanzuoweishishuicunkuanlilvshichanghuadezhongyaogongju。meiguo、riben、dengguojiajuncengyulilvshichanghuagaigezhongqiyinrudaecundan，yijianjindefangshizhubukaifangcunkuanlilvguanzhi，pingwenshixianlecunkuandeshichanghuadingjia。

2015nian6yue2rirenminyinxingfabugonggao，zaiguoneizhengshituichudaecundanchanpin。zheiyijucuobeishiweituijinguoneililvshichanghuagaigedezhongyaoyihuan。zhongguoyinxinghaiwaijigouzi2010nianqibianyujingwaifaxingdaekezhuanrangcundan，jileilebijiaofengfudechanpinfaxingjingyan。zaijingneililvshichanghuagaigedejinchengzhong，zhongguoyinxingjijixiangyingrenminyinxingguanyushenhuagaigedeyaoqiu，cong2014nianjikaishijinxingdaecundanchanpindeyanfagongzuo，baokuohexinyinxingxitongshengji、chanpinjiegoushejidengjutigongzuo，wanchengledaecundanchanpinzaizhongguoyinxingjingneigejigoufaxingdeyewuzhunbei。

daecundanchanpindetuichufengfuleshangyeyinxingfuzhaileichanpin。zuoweishoupifaxingdeyinxing，zhongguoyinxingjiangchongfenyunyongcunkuan、daecundan、tongyecundanhelicaichanpindengduocengcifuzhaichanpin，weikehutigonggezhongleixingyouzhichanpinyufuwu。