个人人民币定期存款-存本取息Personal CNY Time Deposit – Schedule
存本取息定期储蓄是指个人将属于其所有的人民币一次性存入较大的金额，分次支取利息，到期支取本金的一种定期储蓄。Scheduled Interest Withdrawal is a kind of fixed savings deposit; the depositor could deposit a large amount of principal in a lump-sum, and then withdraw the interest by several times, and get back the matured principal at the maturity date.
1) 人民币存本取息，按期限分为一年、三年、五年的定期存款；There are 1-year, 3-year and 5-year periods of Scheduled Interest Withdrawal of CNY;
2) 起存金额5000元，多存不限；The initial deposit amount is CNY 5000 without any upper limit;
3) 执行存入日挂牌公告的相应期限档次存本取息储蓄存款利率。遇利率调整，不分段计息；The interest rate should be the quoted scheduled interest WDR interest rate of the relevant period of the deposit day. If the interest rate changed, the new interest rate will not be applied right away;
4) 支取利息的次数和日期由客户与储蓄机构协商确定，由系统计算出每期支息金额，支取利息的时间计算应是月对月、日对日进行计算（针对月底情况）。例如1月3日开户存款，选择每2个月取息，客户约定的取款时间为3月3日、5月3日、7月3日等。客户只能在约定日期或其后支取利息。不得提前支取（由系统自动检查）。如到期未取息，以后可随时取息，不计复息；The interest withdrawal frequency and date should be compromised between the customer and the bank, system will calculate and generate the interest amount the customer can withdraw each time; the interest withdrawal date shall follow the interest settlement cycle, and if the account is opened by end of the month, i.e. Jan.31st, and its interest is monthly withdrawal, so the first withdrawal shall occur in Feb.28 (or 29, if any). Example: a customer deposits the principal at 3 Jan., and the withdrawal frequency is defined as every two months (3 Mar., 3 May, 3 Jul. and so on), so the customer could only withdraw the interest on or after 3 Mar., 3 May, 3 Jul. and so on, system should automatically check the withdrawal date to prohibit early withdrawal. If the customer doesn’t withdraw the interest at the given dates, he (or she) could withdraw it at any other subsequent date, but system will not calculate the compound interest;
5) 结息周期同客户取息周期；The interest posting cycle keeps the same as the interest WDR cycle;
6) 每次支取利息金额＝（本金×存期×利率）÷取息次数；Interest withdrawal amount at each time = (Principal * Deposit years * Annual interest rate) / No. of withdrawal times;
7) 只能办理本金全部提前支取，不能办理本金部分提前支取。提前（全部）支取本金按支取日挂牌活期利率计息，已分次付出的利息要全部扣回。（提前支取引起的利息差异在支取时从支付金额中扣除）；Partial early WDR for principal should be prohibited, system only support full-amount principal early WDR. If the customer wants to early withdraw the principal, system should calculate the interest by the current quoted DD interest rate, and furthermore, the paid interest before should be deducted from it;
8) 存本取息存款在日常支息时不扣收利息所得税，在销户时合并收取利息税；Interest tax of the scheduled Interest WDR will not be charged at each interest withdrawal date, it should be totally charged at the account closeout date;
9) 逾期支取同整存整取定期存款；The processing of post maturity WDR keeps the same with time deposit;
10) 客户在开户时可约定到期日是否自动转存，未支取利息可选择到期后是否归入本金。Customer may request an automatic renewal for a new scheduled interest WDR, and for the interest not withdrew, it would be the customer’s option to add the un-withdrew interest to the principal after account matured.