Who tells me the difference between various national debts? What exactly is national debt? What's the difference between buying government bonds and saving? What are the advantages? Withdrawal in adva

Who tells me the difference between various national debts? What exactly is national debt? What's the difference between buying government bonds and saving? What are the advantages? Withdrawal in advance? Simply put, the national debt is an IOU. If the national tax revenue can't meet the expenditure, it will borrow money from the society. This national debt is the proof of borrowing money, that is, you lend some spare money to the state for use, and the state will write you an iou, stipulating the time limit and interest of borrowing money. Bank savings means that you deposit your spare money in the bank, and the bank is equivalent to an intermediary, which collects these spare money and lends it to enterprises and individuals in need, and pays you interest at the same time. Treasury bonds and savings are the investment channels with the highest credit, or the investment tools with the lowest risk.

National debt is divided into savings type and transaction type.

Savings mainly refer to voucher-type government bonds and electronic savings bonds, which can only be purchased through banks; At present, it is mainly divided into three years and five years, that is, the principal can be recovered after three years and five years. You can also withdraw it in advance, but you can only get part of the interest if you deduct one thousandth of the principal as a handling fee. Moreover, these two interest rates are higher than the bank's time savings and book-entry treasury bonds in the same period, which are more popular with investors. However, the circulation is small and can only be purchased during the issuance period, so it is not so easy to buy.

Transactional treasury bonds mainly refer to book-entry treasury bonds, which can be purchased by some banks and securities companies; Three months in the short term and 30 years in the long term; Because it is a transactional national debt, it can be listed and traded, that is, it can be sold and realized without holding it due, similar to stock trading. Because of its good liquidity, the interest rate is not so high. Some are not as high as the bank savings rate in the same period, but they can get interest if they hold it for one day. Similarly, their trading price fluctuates up and down. Buy low and sell high, you can earn the difference in addition to interest. Of course, if you buy high and sell low, the principal will be lost.

Therefore, the advantages of national debt and savings are: higher interest income, which can be realized at any time; But you can't have both.

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