Automatic patent information

1. When the previous fixed deposit automatically expires, the latest interest rate will be implemented. For example, the annual interest rate of the previous three-year deposit is 5.4% and the latest maturity rate is 5.2%, so the annual interest rate of the three-year time deposit certificate after transfer is 5.2%. Transfer is now generally automatic, and it is transferred to the new term together with the principal and interest;

2. When the interest rate of the People's Bank of China is adjusted in the medium term, the interest rate remains unchanged. For example, if you deposit 10000 yuan with an annual interest rate of 5.4% for three years, and cut interest rates several times in the middle, assuming it is reduced to 0, you can still get interest of 540 * 3 = 1620 yuan after maturity (there is no tax deduction now);

3. Usually idle funds can consider the fixed investment of funds, the fixed investment combination of stock funds and bond funds (children's education funds), and low-risk dividend insurance;

Add the second question: If the interest is floating in the middle of the period, is the deposit term unchanged or is it implemented according to the interest rate at the time of deposit?