Take Shanghai Rural Commercial Bank as an example: from March/day of 2002 1 year to March 30, 20021year, Shanghai Rural Commercial Bank issued individual certificates of deposit for the 27th to 30th periods of 20021year, with one-time repayment of principal and interest, one-year maturity and annualized interest rate of 2.32% respectively. On the other hand, among the 20 individual certificates of deposit sold from February 5, 20021year to February 28, 20021year, the annualized interest rate on the three-year maturity date is 4.05%.