個人認購大額存單門檻降至20萬元

China's central bank lowered the minimum amount of certificates of deposit (CDs) by individual investors from 300,000 to 200,000 to give more people access to this investment channel.

日前，央行將個人投資人認購大額存單起點金額從30萬元下調至20萬元，以此讓更多的人進入這一投資渠道。

A certificate of deposit is a time deposit that entitles the holder to receive interest at a higher rate than ordinary deposits, and thus is more appealing to savers.

大額存單是可以讓持有者獲得高於普通存款利率的利息收入的定期存款，因此對儲戶來說更具吸引力。

The People's Bank of China allowed commercial banks to issue CDs in June 2015, with a minimum amount of 300,000 yuan for individuals and 10 million yuan for institutions.

2015年6月，中國人民銀行允許商業銀行發行大額存單，個人認購的起點金額爲30萬元，機構認購的起點金額爲1000萬元。

The central bank said in a statement that lowering the threshold aims to promote the development of CDs, diversify personal investment channels and help banks attract deposits.

央行在一份聲明中表示，降低門檻的目的是推進大額存單業務發展、拓寬個人投資渠道、幫助銀行吸引存款。

Interest rates on the certificates are mainly determined by the market. CDs are tradable and can be used as mortgage for loans, according to rules unveiled by the central bank a year ago.

存單的利率主要由市場決定。根據央行一年前公佈的規則，大額存單是可流通的，可以作爲貸款抵押。