Loaded with 11 out of funds from deposit accounts for five years on a regular basis, 13 to see the fourth quarter of 2008, the Treasury bond issuance program, 15, 20, issued to see the three-and five-year savings certificated bonds. after consideration, decided to just save all the converted five-year periodic current, ready to buy bonds. But this is also at risk, because the bonds has been difficult to buy, usually a sales department can only buy 2,3 pen. If you did not buy the, on the loss of interest on fixed deposits for a week.
call to the bank's client manager, SPD, Bank, China Merchants Bank have responded can not make an appointment, can be purchased online Merchants Bank, Shanghai Pudong, only to cross the line counter purchase. So, decided to buy most of the Merchants Bank, through online banking buy. small buy in Pudong, Shanghai Pudong Development network as much, as long as the first line, the basic can buy a.
Friday, again from the securities account transfer out most of the funds. the weekend, all the arrangements put in place the funds.
Sunday night, first tried the network and the China Merchants Bank online banking, everything is normal. until 23:55, landing nets of silver. In 2400, a sudden Internet Banking Reporting System busy. I thought the line was beginning to move information into the national debt. a few minutes, refresh, has been busy .0:09 reporting system, and finally do not report busy, the issue of three-year, five-year bonds information also. a look at the amount can be purchased, dumbfounded. three-year 400 million, five-year period is 0. Editor's Note? continuous refresh, 400 three-year period did not, the five-year 100 million.
log in to and the News Section 1 of the 5,000 bonds issued, 20,110,630 maturity, interest rate 5.74%. Guannameduo not to buy. deal. to the list of online banking account and saw how the interest rate is 4.32%. to Forum One asked, Friends of debt recovery, saying it was holding less than 3 years, sub-rates. halo, three-year interest rates are 5.13% on a regular basis, so that the national debt to the muscle. online banking misleading Yeah, it should be The actual interest rate to get the thing marked. Fortunately, the other the old rate is not high when the national debt, otherwise, I will 06, 07 years old to buy bonds, it is miserable.
As the first bank to buy bonds in the network, still illusions, is not it will be put in the 1:00 group. so wait until 1:00, continuous update, the result is still disappointing. no way to sleep. decided the next day Merchants Bank to buy the counter.
to ensure next day can buy over the counter, decided to go to Shanghai Pudong Development Bank is responsible for his wife, I went to China Merchants Bank. at 6 o'clock to get up. first of 5,000 yuan to buy the old bonds early withdrawal, cross 5 yuan on tuition .7:35 to banks. Fortunately, the original online said Beijing even before the middle of the night to buy government bonds have queued overnight, did not happen in our city. My wife and I are the first to the bank. Pudong and China Merchants Bank are 8:30 to open the door. waited,. to 8:00, only a few to buy government bonds to banks.
banks not allowed to enter at 8:30. There were two people by the security do not pay attention. slip yourself To take a number. security not let me. I said, simply, will not it take now, or wait for the next several individuals, it is easy to confusion. security may feel justified, gave you hair number. because the security know that I come early, with security security than they said I was early, put 1 to me.
8:30, into the bank. straight to the counter, the card to the teller, said, Wait, look. called the teller hurry to buy. teller confused, buy a few years, buy the number, which card to buy, not quite sure about also anxious No. .2 confused, ask me. I said, you do not have the money together Yeah. the first to buy more than one, there are five years to buy five years, not to buy three years.
few minutes later, the results returned, did not buy the. Office of the CMB are not a business transaction. have a customer does not happy, and said how such a bank is useless, is not within the part, and certainly there are problems like that. I'll call my wife over there, bought in Shanghai Pudong Development with the. and Shanghai Pudong Development also bonds to sell, told me to withdraw money in the past. I saw, it is certainly too late to withdraw money, the road (not far away to the junction diagonally, but the road is wide, you must have a road, then take the underground passage). At this time, China Merchants Bank staff told me that 9: will put a group of 00, I and so on. had the case. call, called my wife over, because I it is two cards, two people buy, hold bigger.
Merchants Bank customers more because I am worried to 9:00 am when the window is not empty. Merchants Bank staff told me that at 8:55 am on the line directly to the window, do not take queue number. estimated that China Merchants Bank staff is also more anxious, because customers have complained that they feel pressure.
8:55 to the window, 9:00 teller began to submit orders, very nervous, each counter are two tellers, because of the need of a mandate. I have the wrong password the first time, I thought, done definitely not buy a. re-enter the password. At this time, his wife said to have bought with that card has. After a while, the teller said that I bought with the. At this time, a staff member to listen to China Merchants Bank said, okay, a deal 2 pen, or to suffer a ......< br> At this point, plans to buy the bonds are bought with a. feeling quite nervous.
have some experience:
(1) well in advance preparation, the money ready, you need to turn into a regular demand, we must turn for the better one day in advance. When you buy bonds, there can be so much time, is to buy a few years go on, buy a lot.
(2) ask what prior Bank opening hours, because the best can be ranked first, so that might buy.
(3) choosing a bank is also very important. The reason, the election of SPD and Merchants Bank, China Merchants Bank is due to be online to buy one more chance . and began to think that the possibility of large buy online. The experience of buying online, found that online buying is very, very difficult. SPD election, because it can not buy online, not many outlets, the customer less. buy to the possibility of large. Of course, the share of the four lines may be assigned to more, but four rows of outlets in the country a lot, customers are more and more people queuing estimated. In this way, but want to buy small. of course , also has debt, said Friends of the Internet to find some of the network remote. However, this is also a risk, that is, less remote network operations, quality may be badly teller, unskilled, and may even do not know how to buy bonds, which not a joke, the four lines really have such a teller.
(4) the best use of a VIP card VIP card, because the guests have a special window, smaller line pressure. Moreover, the window full of guests, you can go directly to ordinary window .
(5) did not buy the first batch, you can still have the chance to ask. 9:00 came alive again as a group, I do not know the beginning, thanks to the staff told me. If I start not to buy was, immediately leave, to not buy a batch of 9:00.
(6) When you buy bonds, if you want to fill orders, fill out a day ahead of the best, bring, saving the time of purchase. Merchants Bank do not fill orders, to buy the card directly, so that eliminates the need for teller Enter the name and other information of the time, try to purchase orders submitted earlier.
(7) online banking buy, do not be misled buy old debt, the general is not cost-effective.
five-year bonds and five-year time deposits, as are a debt due. However, the bonds have their advantages:
(1) high interest rates. five-year 5.98% bonds, five-year time deposit, 5.58%;
(2) interest income more secure. Although the levy of interest tax has just suspended, but after all, not canceled. five years, you never know when they sign points have lost. bonds do not have this problem.
(3) early withdrawal income higher than the deposit. deposit deposit no matter how long, as long as no early withdrawal due are current interest rates. The bonds are interest-bearing segments, as long as the holders of at least one year, revenue was higher than time deposit early withdrawal, as follows:
earlier redeemed, the principal amount redeemed by 1p to charge a fee, according to the actual holding time and the appropriate interest rate to pay interest tranche.
from the date of purchase, 3 year and 5-year bonds held for less than six months, excluding interest payments; over half a year less than 1 year at 0.72% per annum; over 1 In less than 2 years at 3.15% per annum; over 2 years but less than 3 years at 4.14% per annum; 5-year bonds held for over 3 years but less than 4 years at 5.49% per annum over 4 years by less than 5 years 5.76% per annum.
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