Changsha Evening News, Changsha, March 7 (Reporter Fan Honghuan Correspondent Shi Jiawei) The reporter learned from the official website of the Ministry of Finance today that the first and second phases of savings treasury bonds (certificate) in 2024 will be issued from March 10 to March 19, 2024.
The two phases of treasury bonds are fixed-rate and fixed-term varieties, with a maximum total issuance amount of 30 billion yuan. Among them, the term of the first phase is 3 years, the maximum issuance amount is 15 billion yuan, and the coupon annual interest rate is 238%；The term of the second phase is 5 years, the maximum issuance amount is 15 billion yuan, and the coupon annual interest rate is 25%。According to the current interest rate, if the public buys the 100,000 yuan of 3-year and 5-year savings bonds, the cumulative income will be 7,140 yuan and 12,500 yuan respectively.
For some time, "lower deposit rates" has been a hot topic on the streets. The interest rate of the two savings bonds (certificates) issued this time has been lowered again compared with the savings bonds issued in November last year. However, despite the repeated decline in interest rates, it is still difficult to stop investors' enthusiasm for buying because of its advantages such as high credit rating, strong security, guaranteed principal and interest, and flexible liquidation.
It is reported that after purchasing the two tranches of treasury bonds, investors can go to the original purchasing institution to redeem them in advance. However, on the last day of the issuance period (i.e., March 19), early redemption will not be processed. Investors who redeem the two treasury bonds in advance will pay interest according to the actual holding time and the corresponding tranche interest rate, specifically: from the date of purchase, the interest will not be calculated if the two treasury bonds are held for less than half a year, and the annual interest rate will be 035% interest, full 1 year but less than 2 years at 085% interest, 2 years but less than 3 years at 187% interest-bearing; The second tranche of treasury bonds held for more than 3 years and less than 4 years will be counted as 232% interest, 4 years but less than 5 years according to 243% interest-bearing.
According to the list of members of the 2024-2026 savings treasury bond underwriting syndicate, a total of 40 institutions have been shortlisted for the membership of the savings treasury bond underwriting syndicate. Changsha citizens can purchase savings treasury bonds through 18 banks, which are: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank of China 6 state-owned banks, China CITIC Bank, China Everbright Bank, Huaxia Bank, Shanghai Pudong Development Bank, Industrial Bank, China Merchants Bank, Ping An Bank, Minsheng Bank, Guangfa Bank, Zheshang Bank 10 joint-stock banks, and Bank of Beijing and Changsha Bank 2 city commercial banks.
It should be noted that since this issuance is a savings treasury bond (certificate type), going to the bank counter to buy is the only way to buy, and investors who want to buy can prepare funds and prepare for purchase in advance.