Decentralized deposit agreement

1. CDs, agreement deposit generally refers to a large amount of deposit, that is to say, a deposit that can only be enjoyed by more noble customers. Generally, the interest rate is a little higher than the ordinary fixed rate

2. After the online declaration is successful, there is no need to go to the tax bureau to send the form. If there is a tripartite agreement, the tax payment is directly made online. There is no need to print out the tax receipt and pay the tax at the deposit bank
online declaration means that the taxpayer logs in to the electronic declaration website of the tax department through the Internet within the legal time limit, enters the data to be declared in the current month, submits the declaration and verifies it correctly, and then the bank automatically transfers the tax payable from the taxpayer's special tax account to complete the tax declaration
with this system, taxpayers can complete tax declaration without leaving home, thus recing the labor intensity of enterprise financial personnel; There is no need to buy software, which reces the burden of enterprises; The application is not limited by the region and hardware and software environment, and the upgrade and maintenance is simple. At the same time, the system has high security, and can check the data in real time to avoid the error of declaration data.

3. Agreement deposit refers to the deposit in which the deposit unit opens an agreement deposit account on top of the basic deposit account or general deposit account by signing an agreement deposit contract with the account opening bank, and the basic deposit amount of the settlement account is agreed upon. The deposit exceeding the basic deposit amount in the settlement account of the account opening bank is transferred to the agreement deposit account, and the interest is calculated according to the agreement deposit interest rate. The interest rate announced by the people's Bank of China is implemented for the agreement deposit. Generally speaking, the interest rate of the agreement deposit will be higher than that of the general deposit
the universal insurance interest rate of insurance companies will be affected by the financial crisis. Generally, the minimum guaranteed interest rate of universal insurance is about 2.5. In my opinion, under the background of the financial crisis, the annual interest rate is expected to be 3-4.

4. At least there should be a deposit agreement, which includes the amount of deposit, term, interest rate, date of repayment, if the unit fails to repay on time in case of breach of contract, the interest payment, the way of liquidated damages compensation and the proportion of compensation, etc. Finally, the operator of both parties, signature, signing date of the agreement, according to the fingerprints, the official seal of the unit is required by the unit. Such an agreement is a more formal and legal contract. In the future, once the unit breaks the contract, it can take this Agreement (contract) to the court to sue the unit. This agreement must be made in plicate, one for each unit and one for each indivial.

5. Any deposit is good for the bank. Why? Banks can use deposits to lend, and the rection between loan interest and deposit interest is the bank's profit.
therefore, any bank is trying its best to attract deposits, never too much.
and agreement deposits are for large customers, usually large units. Such large customers have huge capital flow and abundant stock. It is better to find one than n retail investors, The difference between this kind of deposit and ordinary deposit is that the bank keeps part of the customer's daily cash expenditure and calculates the interest at the current interest rate, while the excess part is calculated at the agreed interest rate. This is the reason for the name of the agreement deposit.
this is good for both banks and large customers

6.

Agricultural Bank of China's personal agreement rate deposit is basically risk-free

the agreement deposit belongs to the savings deposit business, which is not financial management. The deposit rules involved in the specific content should be subject to the agreement. The deposit with the agreement interest rate is not allowed to be transferred by agreement, and part of the deposit is not allowed to be withdrawn in advance, but the account can be cancelled in advance, and the deposit slip with the agreement interest rate is not allowed to be transferred into the debit card; It can be moved into the regular one-way book

to implement the agreement interest rate, we can't sign the convenient consumption function of "smart account" and the proct of "interest rate increase smart transfer deposit", and the fixed deposit of lump sum deposit and lump sum withdrawal opened by online bank doesn't support the agreement interest rate

extended data

the deposit amount of bank agreement deposit is generally RMB 500-1 billion, and the deposit period is generally five years, and the deposit interest is generally based on the benchmark interest of the bank's five-year deposit

the bank receiving the payment must have the legal person qualification. If the bank does not have the independent legal person qualification, it needs the authorization of the head office. The handling charge here is about 1% - 0.5%

for large deposits, the deposit amount is generally RMB 100-500 million, the deposit term is three years, the interest of the deposit is calculated according to the benchmark interest of the bank's three-year deposit, and the handling charge is generally 2% - 1%

7. Do you mean how to do it? Just bring your ID card directly. The interest rate of agreement deposit is higher than that of ordinary deposit, but it can't be transferred automatically (need to go to the bank to handle again when it is e) and can't be partially withdrawn

8. In this case, first of all, we need to see clearly what the content of the agreement really means. If we have any questions, we should ask the staff clearly, or even take notes on the agreement. If it is unfavorable to us or does not meet our expectations, we should choose carefully

9. The amount of agreement deposit needs to be negotiated with the bank

10. An agreement deposit is a deposit with an interest rate negotiated with a bank. Internet Fund can do it because it concentrates the funds of retail investors and turns them into a large amount of funds to negotiate a high interest rate deposit with the bank. The reason why the rate of return is about to decrease is because the agreement deposit is e. If there is no agreement high interest rate, then the natural monetary fund will rece the interest rate.