What is the shortest time for a bank to survive?

Generally speaking, the minimum term of bank deposit is 3 months.

1, the time of bank time deposit is related to the deposit method. If it is a one-time deposit and withdrawal, the shortest fixed deposit time is three months. If it is a regular method such as lump-sum deposit or principal and interest withdrawal, the shortest time is one year. Different deposit methods have different interest rates. The interest rate of due advance payment can only be calculated according to the deposit interest rate of the same period.

2. In addition, the minimum deposit period of RMB deposits in banks is 3 months and the longest is 6 months, 1 year, 2 years, 3 years, etc. The shortest term of foreign currency deposits is 1 month, and the longest is 3 months and 6 years. Month, 1 year and 2 years. Renminbi deposits are between current and three-month periods. One is called notice deposit, which is divided into one-day deposit and seven-day deposit. You can automatically transfer deposits within 7 days, starting from 50 thousand.

1) The minimum deposit period of bank time deposits is three months. At present, most banks' time deposits are three months, six months, one year, two years, three years and five years, and the corresponding deposit interest rate is different for each term. With the same deposit amount, the longer the deposit term, the worse the flexibility, but the higher the interest earned by the deposit. However, if the withdrawal is not due, the interest rate can only be calculated according to the deposit rate of the same period. The interest rates of time deposits of all banks are the same, which shall be uniformly stipulated by the People's Bank of China.

2) Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits and fixed deposits, and according to different depositors, it can be divided into corporate deposits and personal deposits (taking China as an example). Personal deposits are residents' savings deposits, which are the money that residents have in the bank. Financial deposits. The bank is the agency of the national treasury, and all financial revenues and expenditures must be handled through the bank (see the national treasury system). Fiscal revenue and expenditure are often inconsistent in time. In the case of first receiving and then paying, temporarily unused funds form financial deposits. Company deposits. This is the temporarily idle monetary funds generated by state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises due to the inconsistency between sales revenue and various expenditure time. It also includes all kinds of special funds that have been extracted but not used by enterprises, the most important of which are fixed assets depreciation fund and profit retention.