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国库券是国家发行的国家债券。它具有信誉好,无风险,收益高等优点,因而深受广大老百姓喜爱。但由于国库券票面上没有标明到期的期限,给国债流动和兑付工作都带来了一些不便。 现行国库券种类较多,国债票面上只有发行时间,而没有到期时间,国债逾期不付利息,购买者很容易忘记自己买的到底是三年还是五年期。在实际兑付工作中,经常有客户手持弄不清是几年的国债前来柜台咨询。讲道理的人,经解释后欣然离去;有的人,弄不清楚,在柜台前大吵大闹,说银行未付给他逾期利息。有的国库券逾期长达一年还多,使持券人收入受到了一定的损失。
Treasury bills are national bonds issued by the state. It has a good reputation, risk-free, high income advantages, which are loved by the majority of people. However, due to the fact that the maturity date of the national treasury bill is not marked, some inconveniences have been brought to the flow and redemption of government bonds. Existing types of treasury bonds are more, the national debt is only issued on the face of time, but no maturity, overdue government bonds do not pay interest, buyers can easily forget what they buy in the end is three years or five years. In the actual redemption work, often customers are not sure how many years of treasury bonds to the counter consultation. Reasonable people, after explaining, are glad to leave; some people get it out of the way and make noises in front of the counter. They say the bank did not pay him overdue interest. Some overdue bonds overdue for more than a year, so that holders of income received some losses.