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Is personal margin deposit a savings deposit?
Personal margin deposit is a savings deposit.

Margin deposit refers to the funds deposited by an enterprise in accordance with the bank's risk management requirements and credit conditions when applying to the bank for opening letters of credit, opening bank acceptance bills, loans and guarantees. Banks manage this part of the funds deposited by enterprises in special accounts. Characteristics of margin deposit: margin deposit has the nature of risk mortgage and cannot be withdrawn at will. Margin deposit is conducive to reducing the business risks of enterprises, forming bank deposits and low-cost funds, and reducing the risks of banks in credit business. The interest rate of margin deposit shall be implemented in accordance with the Regulations on the Administration of RMB Interest Rate promulgated by the People's Bank of China, and the margin collected by financial institutions approved by the People's Bank of China shall be settled according to the unit deposit and bear interest. Personal margin deposit is implemented at the interest rate of savings deposit.

The types of bank deposits are as follows:

1, current savings deposit. 1 yuan deposit, passbook issued by savings institutions, with discount access, can be accessed at any time after opening an account. This way is the most convenient, as long as you have change in your hand, you can deposit it in the bank in time;

2. Lump-sum deposit and withdrawal of fixed-term savings deposits. Generally, deposits can be made in 50 yuan for three months, six months, one year, two years, three years, five years and eight years. When the principal is deposited in one lump sum, the savings institution will issue a certificate of deposit, and the principal and interest will be withdrawn by the certificate of deposit at maturity. This kind of savings is most suitable for having a sum of money in hand to realize shopping plans or long-term arrangements. We should pay attention to the length and duration of deposits to avoid interest losses caused by improper early withdrawal, because banks bear interest at the deposit rate;

3. Lump-sum deposit and withdrawal of fixed deposits. Generally in 5 yuan, the deposit period is one year, three years and five years. The deposit amount is fixed by the depositor every month and deposited once a month. If there is a leak in the middle, it will be made up next month. If it is not paid back, the interest will be calculated according to the actual deposit amount and the actual deposit period when it is withdrawn at maturity. This way is undoubtedly the best way to accumulate wealth for people with a fixed monthly income;

4. Principal time deposit. Generally, it starts at five thousand yuan. Deposits are divided into one-year, three-year and five-year periods. The principal is withdrawn at maturity, and the interest is withdrawn by installments with the certificate of deposit, and the interest can be withdrawn once a month or several months. If no interest is paid on the due date, interest can be paid at any time in the future. If the depositor needs to withdraw the principal in advance, the interest within the deposit period shall not be calculated according to the provisions on early withdrawal of time deposits, and the overpaid interest shall be deducted;

5. Lump-sum deposit and lump-sum withdrawal of time savings deposits. Generally, the deposit is from 1 1,000 yuan, and the principal is deposited in one lump sum. The deposit period is divided into one year, three years and five years. The withdrawal period is divided into one month, three months and half a year, and interest is paid when it is settled at maturity;

6. Regular two-way savings deposits;

7. Overseas Chinese save regularly. Foreign currency and foreign exchange remitted or brought in by overseas Chinese and compatriots from Hong Kong, Macao and Taiwan from abroad or Hong Kong and Macao include gold and silver sold to the People's Bank of China and RMB deposited in various specialized banks. Deposits are fixed-term lump-sum deposits and withdrawals. The deposit term is divided into one year, three years and five years. The deposit interest is calculated at the prescribed preferential interest rate.

Legal basis: Article 68 1 of the Civil Code of People's Republic of China (PRC).

A surety contract is a contract in which the surety and the creditor agree that the surety will perform the debt or assume the responsibility when the debtor fails to perform the due debt or the circumstances agreed by the parties occur.

Article 9 of the Law of the People's Bank of China

The State Council shall establish a coordination mechanism for financial supervision and management, and the specific measures shall be formulated by the State Council.