Lump-sum Deposit & Withdrawal:

The minimum deposit amount is RMB 50, and the deposit term can be 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years. The principal shall be deposited in a lump sum, and the principal and interest can be withdrawn upon maturity with the deposit receipt.

Time Deposit of Small Savings for Lump-sum withdrawal:

The deposit amount is fixed each month, with a minimum of RMB 5, and the deposit term can be 1 year, 3 years, and 5 years. The client determines the deposit amount and deposits it once a month. When the client withdraws the deposit at maturity, interest is calculated based on the actual deposited amount and the actual deposit term.

Interest Withdrawal on Principal Deposited:

The principal shall be deposited in a lump sum, with a minimum of RMB 5,000. The deposit term can be 1 year, 3 years, and 5 years. The principal is withdrawn in a lump sum at maturity, and the interest can be withdrawn in installments with the passbook. If early withdrawal of principal is needed, the interest within the deposit term shall be calculated according to the regulations for early withdrawal of time deposits, and the excess paid interest shall be deducted.

Deposit in Lump Sum & Withdrawal in Installments:

The principal shall be deposited in a lump sum, with a minimum of RMB 1,000. The deposit term can be 1 year, 3 years, and 5 years. The principal can be withdrawn in installments with 

The minimum deposit amount is RMB 1. The client can deposit or withdraw at any time after opening an account.