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1993年3月1日国务院颁布的《储蓄管理条例》,对储蓄的计息办法作了重大改革,1993年3月1日以后存入的定期储蓄存款,《储蓄管理条例》明确规定不得提前支取,若要提前支取,则提前支取部分均按支取日挂牌公告的活期储蓄存款利率计付利息。这就产生了一个问题,如果储户在定期存款未到期时急需用钱,又不想因提前支取而有损自己的存款利息,这该怎么办?根据人民银行下发的《个人定期储蓄存款存单小额抵押贷款办法》,可以向存款所在的营业机构申请小额抵押贷款。若存单开户所未开办此项业务,可向上一级管辖行申请。随着人们金融意
The Regulations on Savings Management promulgated by the State Council on March 1, 1993 made a major reform on the interest-bearing measures for saving. Fixed savings deposits deposited after March 1, 1993 and the Regulations on Savings Management clearly stipulated that they should not be withdrawn in advance If you want to withdraw in advance, the advance withdrawal part will be accrued interest at the current savings deposit interest rate listed on the withdrawal day. This raises the question of what to do if depositors urgently need money when their time deposits have not expired and they do not want to undermine their interest on deposits due to early withdrawals. According to the Personal Savings Account Small mortgage approach ", you can apply to deposit business offices where a small mortgage loan. If the deposit receipt bank does not start this business, you can apply for a higher level of jurisdiction. With people financially