Is bank time deposit a paper deposit certificate or an electronic deposit certificate?

Bank time deposits must have electronic certificates of deposit, but paper certificates of deposit are not necessarily available, because now time deposits are all electronic certificates of deposit, and paper certificates of deposit can be printed out by banks and kept well.

According to national regulations, electronic certificates of deposit are now used for bank deposits. Of course, paper certificates of deposit are also available, and some banks do not give paper certificates of deposit. However, if a customer asks for a paper certificate of deposit, the bank will print it out for the customer.

In fact, to put it bluntly, bank time deposits, whether electronic or paper, have the same meaning, but I think electronic certificates of deposit are better and more convenient.

Electronic deposit can be inquired at the bank's mobile banking and online banking at any time, which is more convenient and not afraid of losing electronic deposit certificates. Paper certificates of deposit are different and need to be kept. I'm afraid I have forgotten where I put them for a long time. This is the disadvantage of paper certificates of deposit.

As for going to the bank to handle time deposits, what proof do I need to issue? Now, with the popularity of the Internet, even if you go to the bank to handle time deposits, the bank will not issue any certificates, but just sign a time deposit contract. After signing the contract, the bank will input it into the computer and automatically generate electronic deposits, so that customers can check their time deposits conveniently.

Of course, if the bank must issue vouchers, the bank will only give paper vouchers, which means that you have deposits in the bank. The electronic deposit slip can be viewed by yourself in mobile banking or online banking, and the bank will not print it for you, so you only need one of these two vouchers.

Based on the above analysis, bank time deposits have certificates of deposit, and banks generally do not print paper vouchers without customers' requirements. Anyway, as long as the customer has a paper deposit certificate or an electronic deposit certificate after handling the time deposit certificate, but the electronic deposit certificate must be available, and the paper deposit certificate is not for personal needs.

After reading the praise, I am rich. Thank you for reading and paying attention.

Xiao Zhao invited community financial experts to answer this question.

With the development of the information age, certificates of deposit are no longer issued uniformly for bank time deposits. From the existing media, there are three types of bank time deposits:

1, certificate of deposit. The paper certificate issued by the bank will indicate the deposit amount, deposit date, deposit interest rate and other information, and affix the special seal for banking business.

2. passbook. Compared with certificates of deposit, passbooks have many uses. Whether deposit or withdrawal, each sum is recorded in the account book, so it is a common deposit medium.

3. Bank card. Due to the development of mobile banking and online banking, users can handle time deposits by themselves through mobile devices, and relevant information is directly recorded on bank cards. In addition to mobile phones and computers, you can also check on the bank's self-service machine.

In fact, just like the loss of certificates of deposit and passbooks, you can reissue them at the bank counter with your ID card. Since deposits are now authenticated by real names, you can directly check whether there are records of certificates of deposit, passbooks and bank cards as long as you bring your ID card to the counter.

Bank time deposits do not necessarily have certificates of deposit.

Early bank time deposits were all paper. After handling the time deposit, the bank will issue a time deposit certificate indicating the deposit amount, interest rate and maturity date. After the expiration, the depositor will take his ID card to the bank for withdrawal at maturity, or apply for a new deposit.

However, with the development of technology, many banks have online banking, and time deposits can be handled not only at bank counters, but also through online banking. I made a time deposit myself through online banking.

There is no certificate of deposit for online bank time deposits. After handling time deposit through personal account, current funds will be automatically transferred to time deposit, forming time deposit business. After maturity, the fixed deposit will transfer the principal and interest to the current account.

We can check the detailed information of this time deposit at any time in our online bank account, including the amount, interest rate and maturity date, which will be displayed. This is the deposit slip.

In addition, there is no deposit receipt, and it is also an electronic account. Although there is no paper deposit slip, the effect of electronic certificate and paper deposit slip is the same, and it cannot affect the purchase record, so there will be no problem.

Now depositors go to the bank to deposit time deposits, and they are still in the stage of coexistence of deposit certificates and paperless electronic records.

At present, the regulatory authorities have not stipulated that time deposits should use paperless electronic records, or that time certificates of deposit must be printed. However, more and more time deposits no longer print certificates of deposit, which is also a future development trend.

Large deposits do not use certificates of deposit, but are all recorded in savings cards. According to Article 13 of Chapter 4 of the Detailed Rules for the Administration of Deposit Certificates, deposit certificates are issued electronically, and are issued at bank outlets, electronic banks and third-party platforms. However, if depositors strongly demand paper certificates of deposit, banks will continue to provide them. However, once a paper certificate of deposit is provided, it is very inconvenient to go to the original deposit counter to retrieve the funds after the expiration of the large certificate of deposit.

Except for large deposit certificates, other types of time deposits do not require the adoption of electronic bookkeeping mode or paper deposit certificate mode, which is determined by banks themselves. Generally speaking, if a bank has a high level of electronic system, it will recommend electronic bookkeeping, and all current and time deposits will be recorded clearly with a savings card. If the bank's electronic system capacity is not enough, then the paper deposit certificate model will generally be used. If you watch carefully, rural banks and rural credit cooperatives will continue to use paper certificates of deposit, and you will understand.

Electronic bookkeeping mode is definitely a good thing for banks. On the one hand, save costs; On the other hand, time deposit business can be innovated flexibly, which mainly means that the deposit interest rate and withdrawal method can be set by the system, rather than written on paper certificates of deposit. In fact, the electronic bookkeeping model is also a convenient future for depositors. It's simple and quick, and you don't need to deposit so many passbooks. You can use mobile banking at a glance, or you can print the statement at the counter and make it clear.

But now the main group of deposits is the elderly. In order to facilitate the elderly, many banks continue to retain the paper deposit receipt model, which is also for the marketing needs of deposits.

If you choose to use electronic bookkeeping mode for time deposits and want to ensure security,

A.you can keep the deposit slip.

B. Or open SMS banking and other services to save SMS notifications as vouchers.

C. after deposit, you can also open a certificate of deposit for safekeeping.

This is really uncertain!

Bank time deposits, the most common are bank cards (card deposits), certificates of deposit and passbooks, these three categories! The latter two, both proof, are used less and less at present!

The former, although there is no paper deposit certificate, is very safe as long as the transaction exists! Of course, even if it is a card deposit, you can ask the bank to issue another deposit certificate!

Passbooks and certificates of deposit, no matter which way, have paper vouchers!

Although both of them have valid deposit certificates, they are not in line with the trend of the times! Nowadays, more and more attention is paid to energy conservation, environmental protection and sustainable development, and paper vouchers need to waste a lot of wood, so they will naturally face the risk of being eliminated!

Bank card deposit (card deposit) As long as you have a bank card, you can conduct various operations through the bank counter, mobile banking, APP and online banking! Whether it is deposit, transfer or purchase of wealth management products, it can be operated, which is very convenient and flexible and is used by more and more people!

Although many people are worried about the bank card transaction deposits, they always feel that they don't have paper documents and feel insecure psychologically! Of course, if you insist on paper vouchers, there is a way!

In short, as long as you handle bank time deposits through formal channels, it is very safe with or without paper vouchers! Bank time deposit is a very traditional and universal financial management method. Basically, every bank will launch time deposit business. Time deposit is a way for banks to collect deposits. In real life, many people will come into contact with bank time deposits. In the past, bank time deposits would have a certificate of deposit for depositors as proof of deposit.

However, with the development of science and technology, bank time deposits may not necessarily have certificates of deposit, but there will be corresponding electronic certificate. In fact, with the improvement of laws and regulations, bank time deposit can be said to be the safest financial management method in the market at present, with guaranteed capital and interest. You don't have to worry about making a time deposit in the bank until the interest is settled at maturity.

Generally speaking, there are three kinds of time deposits in banks, namely passbook, certificate of deposit and electronic certificate of deposit. Passbooks are relatively rare now, and most of them are bank cards. If you save money on time, there will be a mark on the passbook. With a bank card, the bank will issue a paper time deposit certificate, which will show the deposit amount, deposit term, interest rate, maturity date and other information at the door.

As for electronic certificates of deposit, it is mainly an electronic receipt issued by banks when they handle time deposits online. Of course, whether you buy a time deposit at the counter or online, the information is symmetrical and unified. With the development of science and technology, depositors can now check every business they handle online or at the counter, and the inflow and outflow of funds are also clear at a glance.

There are several kinds of certificates for bank deposits.

The first is the certificate of deposit. Which is a piece of paper. It records all kinds of information. Name, account number, amount, term, interest rate, starting and ending time, etc. As a withdrawal voucher.

The second is the passbook. Some banks have issued so-called all-in-one passbooks. Fixed deposit and withdrawal, local currency withdrawal and so on. Record all your savings on it. It is also clear at a glance.

The third is to print the details. Now there are savings cards and electronic channels, and everything is recorded in the computer. Some people are uneasy or afraid of chaos, so they can go to the bank counter, print the details and get paper vouchers.

In my opinion, paper vouchers are the most reliable. Especially the elderly, it is easy to forget, forget.

Now you don't need a deposit slip at all, just deposit it in the card, and then you can read it clearly in the mobile banking. Although it is possible to change the current account into a fixed account, it is very convenient. As long as you don't operate in mobile banking, you can't use your card regularly. Don't worry, now you don't have to queue up at the bank for personal business. You can operate it at home at any time, just use cash to get it at the ATM. I haven't been to the bank counter for a long time. Nothing is impossible as long as the mobile phone is in hand!

With the development of the Internet, paper certificates of deposit have been replaced by electronic certificates of deposit, just as remittance has changed from bill of exchange to online transfer.

With the development of Internet, every bank has launched online banking and mobile banking. Log in to personal online banking and mobile banking for transfer and deposit. Every transaction will be displayed on your personal account information, so don't worry that you don't have a voucher. On the contrary, there is no way to forge online, and bank deposit certificates may be forged, so online electronic certificates are safer;

Mobile banking and online banking cooperate with bank cards, and a bank card is consistent with accounts such as online banking and mobile banking. Online banking is convenient for you to handle all kinds of business online. Bank cards provide you with offline withdrawal, transfer and other services. Every operation of the bank card will be recorded and can be queried online.

In addition, the bank also has a passbook, each page will be stamped by the bank, and each business will have a detailed time, today, business type and so on. This can be said to be a form of paper certificates of deposit.

Nowadays, in the Internet era, paper certificates of deposit have been eliminated, and these business vouchers have been replaced by digitalization, which conforms to the trend and does not have to worry about security issues. I believe that banks in the future will continue to improve, and all kinds of cards, including bank cards, may be eliminated and all of them will be replaced by ID cards.

Bank time deposits can be divided into certificates of deposit, passbook and bank card time deposits according to the different forms of voucher carriers, so time deposits do not always provide certificates of deposit. However, whether there is a certificate of deposit or not, as long as the transaction behavior is true, the rights and interests of customers will be fully guaranteed. Electronic data and paper vouchers have the same legal effect, so don't worry too much.

From the founding of the People's Republic of China to the 1980s, China's banking financial institutions mainly used certificates of deposit for depositors, not only because of the backwardness of banking financial technology, but also because of the lack of financial knowledge and trading habits of depositors. Even if the fixed deposit book is introduced, it is not easy for many people to accept it, so the deposit certificate is still the main one.

After entering the 1990s, with the advancement of reform and opening-up, the development of social economy, the constant updating of financial technology and the improvement of citizens' cultural quality, many banks began to introduce passbook time deposits, which are now known as universal certificates. There are two main purposes and significance to launch the certificate of deposit: First, to respond to the call of environmental protection and energy saving, because the certificate of deposit can be reused, which avoids the waste of a large number of papers and reduces the indiscriminate cutting (the certificate of deposit requires high paper quality, generally wood pulp paper), while the certificate of deposit can only be used once, which is not conducive to energy saving and environmental protection, and it is an inevitable trend to be eliminated. The reason why some banks still keep time deposit business is mainly to take care of some elderly people and low-educated groups, especially in rural areas or remote and backward areas. As far as state-owned banks and national joint-stock banks are concerned, time deposit business has long stopped.

From the 1990s to the present, banks mainly use fixed-term all-in-one certificates and bank cards. One is the rapid updating iteration of financial technology, and the other is the continuous improvement of the comprehensive quality of customer groups. For the elderly, it is mainly to set up a conventional one-way pass, which is not only environmentally friendly and energy-saving, but also easy to keep. For young customers, what they pursue is fast and efficient settlement convenience, not to mention certificates of deposit, and even a fixed certificate of deposit is difficult for them to accept and lose the market. Therefore, bank cards are the mainstream of young customers. Needless to say, the advantages of bank cards are regular. Not only can it be handled through counters and smart devices, but also mobile banking and online banking can realize the timeliness of transactions, which is not limited by time and space, especially the extraordinary popularity of non-cash payment methods such as WeChat Alipay, and bank cards have contributed.

Then the problem is coming. Some people say that I have a bank card time deposit and no paper voucher. Is my deposit guaranteed? Will the bank default? This is a problem, but it is not a problem. You can give a simple example. If you have certificates of deposit or certificates of deposit, if these certificates of deposit are accidentally lost one day, will the bank have a chance to default? I think the probability is almost zero. Having said that, perhaps many people will understand that paper vouchers are often just a kind of psychological comfort. As a bank, its essence is a special enterprise that manages credit. Who will smash their own signs to blackmail customers' deposits? In addition, banks not only have their own control and management systems, but also are subject to external supervision. There are also banks in charge of banks, that is, the central bank and the China Banking Regulatory Commission. No bank can run amok. The electronic data of bank cards and paper vouchers have the same legal effect.

Of course, if you think that bank card time deposit is unsafe without paper documents, then you must be practical. There are also some auxiliary methods, such as leaving business receipts at the counter, self-service time deposits through self-service equipment, mobile banking and online banking, and leaving evidence through inquiry, screen capture or printing transaction information. These are all feasible.