1, Postal Savings Bank: China Postal Savings Bank can be traced back to the postal savings business started at 19 19, with a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed.
2. Time deposit: Time deposit is also called "time deposit certificate". A deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. If depositors need funds before maturity, some certificates of deposit can be sold in the market; Some certificates of deposit cannot be transferred. If depositors choose to withdraw funds from the bank before maturity, they need to pay a certain fee to the bank.
3. Demand deposit: Demand deposit is a bank deposit that depositors can access and transfer at any time without prior notice. Its forms include checking account, certified check, promissory note, traveler's check and letter of credit. Demand deposits account for the largest part of a country's money supply and are also an important source of funds for commercial banks. Demand deposit not only has the function of monetary payment means and circulation means, but also has strong derivative ability, which is the focus of commercial banks' operation. The deposit interest rate is generally low; Commercial banks in western countries generally do not pay interest, and some even charge a certain fee.
4. Can you check the deposit initiated by the postal account company? Postal accounts also belong to banks, so his deposits can be checked, but the regulations of each bank are different, some are three months, some are half a year. Therefore, if you want to check all the deposits in your name according to the laws and policies of the local bank, if it is a debit card, you can only go to the bank outlet where you open an account and check it one by one; If it is a credit card, users can go to the People's Bank of China and its authorized bank outlets to inquire about all personal credit card and loan information, but the inquiry of the People's Bank of China cannot find out the bank flow of users using credit cards in different banks in detail.