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Corporate Term Deposits

If your company or organization has a large amount of frequently idle funds, you may set up a corporate term deposit account with the agreed term and interest rate in our bank and withdraw the deposit upon maturity to get a higher interest income. 


Any business, non-profit, government agency, military unit, association or proprietor within the PRC that meets the requirements of PBC regulations may open a term deposit account at a CCB branch.


Corporate time deposits can be made in 7 types for periods of 1 month, 3 months, half year, 1 year, 2 years, 3 years and 5 years respectively. The interest within the appointed deposit term shall be calculated at the interest rate quoted on the date of deposit , and the interest rate shall not be adjusted to the prevailing interest rate. Specific interest rates can be referred to the “Table of Interest Rates for Local and Foreign Currencies”. The minimum amount of time deposit is RMB 10,000 with no upper limit. At the time of deposit, customers can agree with CCB on automatic redeposit upon the date of maturity and the time deposits will be automatically renewed then.


CCB branch will issue your company or organization a CCB Corporate Term Deposit Account Confirmation when you apply for this service. The Confirmation only serves to confirm that the depositor has opened an account; it may not be used as collateral.


When you withdraw the term deposits, you may only transfer them into your basic deposit account. You may not use the term deposits for settlement or withdraw cash from the term deposit account. Your company may withdraw one part or the whole of the term deposits before expiration as a lump sum for only once. The interest rate for demand deposits will be applied for the amount of deposits withdrawn before maturity. 


If you wish to open an account for corporate term deposits, please submit the following documents:


an application for such account, the original copy of its operations permit, the authorization statement of the legal representative, and a copy of its seal. The seal may be the organization’s special seal for finance, its legal representative’s seal (or chief executive’s seal) or its financial manager’s seal.