Certificate of deposit refers to a kind of large deposit certificate issued by the bank to enterprises, government organizations, insurance companies, social security funds and other units recognized by the People's Bank of China. Different from ordinary deposits, certificates of deposit have higher income than time deposits with the same term and can be transferred before maturity, with the higher investment threshold than ordinary time deposits.

Certificate of deposit is divided into nine interest rates: 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years and 5 years. The minimum deposit amount is 10 million yuan.

Certificate of deposit may be withdrawn in advance in whole or in part, and the interest calculation method of early withdrawal shall be subject to the relevant provisions of the agreement signed with our bank at the time of deposit.