此页面由英文机器翻译。利率、银行和数据与英文页面相同。
国家 / 🇨🇳 China
在 China 的最佳 time deposit 利率
来自 6 家供应商的 CNY time deposit 利率，每日直接从各银行网站读取，另有 1 家供应商待检查。按利率排序；无付费排名。
上次检查 18 Oct 2026, 05:37 UTC · 全部 7 家供应商
最佳 3 个月利率
0.65% 年利率
China Construction Bank (中国建设银行)
基准利率
最佳 6 个月利率
0.86% 年利率
Postal Savings Bank of China (中国邮政储蓄银行)
基准利率
最佳 12 个月利率
0.98% 年利率
Postal Savings Bank of China (中国邮政储蓄银行)
基准利率
针对 50,000 CNY 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。
比较 time deposit 利率
3 家银行提供 50,000 CNY 的12个月利率
| 银行 | 年利率 | 期限 | 存款 | 详情 | 链接 |
|---|---|---|---|---|---|
| Postal Savings Bank of China (中国邮政储蓄银行)整存整取 Time Deposit | 0.98%≈ 490 CNY (12 个月) | 12 个月 | 未说明 | 基准利率 | 前往银行 |
| China Construction Bank (中国建设银行)整存整取 Time Deposit | 0.95%≈ 475 CNY (12 个月) | 12 个月 | 未说明 | 基准利率 | 前往银行 |
| China Merchants Bank (招商银行)整存整取 Time Deposit (RMB) | 0.95%≈ 475 CNY (12 个月) | 12 个月 | 未说明 | 基准利率 | 前往银行 |
"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.
此列表如何排序？
按利率排序，最高的排在前面，针对您选择的金额和期限。若银行公布了其综合有效利率，我们将使用该利率。每家银行只出现一次，展示其最匹配的报价，除非您勾选 "Show every rate"。银行不能付费改变排序。
规划您的存款
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.
利率上升时发送邮件给我
双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。
官方基准
来源：chinamoney.com.cn, chinamoney.com.cn。仅作参考，不构成推荐。
存款保障：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). 来源, 已检查 2026-10-18.
更多 time deposit 提供商在 China
我们列出这些提供商，但尚未自动读取它们的利率，因此我们从不显示具体数字。请在银行官网查看利率。 Know a bank we should read? Suggest it.
- Agricultural Bank of China (中国农业银行)Bank · 在银行网站查看利率
- Bank of China (中国银行)Bank · 在银行网站查看利率
- Bank of Communications (交通银行)Bank · 在银行网站查看利率
- Industrial and Commercial Bank of China (中国工商银行)Bank · 在银行网站查看利率
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: 未说明), 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: 未说明), 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
缺少银行？请推荐
我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。