Halaman ini diterjemahkan secara mesin dari bahasa Inggris. Suku bunga, bank, dan angka-angka sama dengan halaman bahasa Inggris.
Negara / 🇨🇳 China
Suku bunga time deposit terbaik di China
Suku bunga CNY time deposit dari 6 penyedia, dibaca langsung dari situs web masing‑masing bank setiap hari, plus 1 penyedia lagi untuk dicek. Diurutkan berdasarkan suku bunga; tidak ada peringkat berbayar.
Terakhir diperiksa 18 Oct 2026, 05:37 UTC · semua 7 penyedia
Suku bunga 3-bulan terbaik
0.65% p.a.
China Construction Bank (中国建设银行)
Suku bunga papan
Suku bunga 6-bulan terbaik
0.86% p.a.
Postal Savings Bank of China (中国邮政储蓄银行)
Suku bunga papan
Suku bunga 12-bulan terbaik
0.98% p.a.
Postal Savings Bank of China (中国邮政储蓄银行)
Suku bunga papan
Suku bunga terbaik untuk deposito 50,000 CNY, terbuka untuk semua nasabah. Promosi dapat berakhir lebih awal; konfirmasi dengan bank.
Bandingkan suku bunga time deposit
3 bank dengan suku bunga 12 bulan untuk 50,000 CNY
| Bank | Suku bunga p.a. | Jangka waktu | Setoran | Detail | Tautan |
|---|---|---|---|---|---|
| Postal Savings Bank of China (中国邮政储蓄银行)整存整取 Time Deposit | 0.98%≈ 490 CNY in 12 months | 12 bulan | Tidak disebutkan | Suku bunga papan | Ke bank |
| China Construction Bank (中国建设银行)整存整取 Time Deposit | 0.95%≈ 475 CNY in 12 months | 12 bulan | Tidak disebutkan | Suku bunga papan | Ke bank |
| China Merchants Bank (招商银行)整存整取 Time Deposit (RMB) | 0.95%≈ 475 CNY in 12 months | 12 bulan | Tidak disebutkan | Suku bunga papan | Ke bank |
"Fresh funds" berarti uang yang dipindahkan dari bank lain. Suku bunga papan adalah suku tetap; promo bersifat terbatas waktu. Cara kami mengumpulkan dan memeriksa suku bunga.
How is this list ordered?
By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.
Plan your deposit
Best rate by term
Best rate open to any customer for 50,000 CNY at each term, from today's verified offers. Hover a point for the bank.
Dapatkan email saat suku bunga naik
Double opt-in: konfirmasi lewat email terlebih dahulu. Satu email ketika suku bunga terbaik untuk jangka waktu dan jumlah Anda naik. Berhenti berlangganan dengan satu klik.
Tolok ukur resmi
Sumber: chinamoney.com.cn, chinamoney.com.cn. Ditampilkan sebagai titik referensi, bukan rekomendasi.
Perlindungan deposit: Deposit Insurance (存款保险条例)
Deposit insurance pays up to RMB 500,000 per depositor per insured institution, principal and interest combined (Deposit Insurance Regulations, Article 5, in force since 1 May 2015). Sumber, diperiksa 2026-10-18.
Lebih banyak penyedia time deposit di China
Kami mencantumkan penyedia ini tetapi belum membaca suku bunga mereka secara otomatis, jadi kami tidak pernah menampilkan angka untuk mereka. Periksa suku bunga di halaman bank masing‑masing. Know a bank we should read? Suggest it.
- Agricultural Bank of China (中国农业银行)Bank · cek suku bunga di situs bank
- Bank of China (中国银行)Bank · cek suku bunga di situs bank
- Bank of Communications (交通银行)Bank · cek suku bunga di situs bank
- Industrial and Commercial Bank of China (中国工商银行)Bank · cek suku bunga di situs bank
Questions about deposits in China
What is the best 12-month time deposit rate in China today?
0.98% p.a. at Postal Savings Bank of China (中国邮政储蓄银行) (minimum deposit: Tidak disebutkan), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.
What is the best 6-month time deposit rate in China today?
0.86% p.a. at Postal Savings Bank of China (中国邮政储蓄银行) (minimum deposit: Tidak disebutkan), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.
Are time deposits in China protected?
Deposit insurance pays up to RMB 500,000 per depositor per insured institution, principal and interest combined (Deposit Insurance Regulations, Article 5, in force since 1 May 2015).
How many banks do you compare in China?
We list 7 providers. Rates for 6 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.
How do time deposit rates compare with the Loan Prime Rate, 1 year (LPR, published by CFETS/National Interbank Funding Center as authorised by the PBOC)?
The Loan Prime Rate, 1 year (LPR, published by CFETS/National Interbank Funding Center as authorised by the PBOC) is 3.00% (2026-09-20 9:00). The best 12-month time deposit rate open to any customer today is 0.98%.
Deposit rates in nearby countries
🇮🇳 India🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇯🇵 Japan🇵🇭 Philippines🇻🇳 Vietnam🇹🇭 Thailand
Missing a bank? Suggest one
Kami adalah layanan perbandingan, bukan bank: kami tidak menerima setoran. Suku bunga dapat berubah tanpa pemberitahuan; verifikasi dengan bank sebelum Anda menyetorkan dana. Bukan nasihat keuangan.