根据财政部的公告，相关储蓄国债(电子式)于还本付息日归还本金并支付最后一年利息；相关储蓄国债 (凭证式)于到期日起办理兑付，兑付时归还本金并支付全部利息；相关记账式附息国债于还本付息日(节 假日顺延)归还本金并支付最后一次利息；相关记账式贴现国债于还本日(节假日顺延)按面值偿还。 储蓄国债(电子式)兑付资金由原售出机构支付至投资者资金清算账户；提前兑取按当期国债发行通知规 定的提前兑取计息条件计付利息，具体计息条件请向原售出机构查询。 储蓄国债和记账式国债2026年到期兑付即将开始 中新网北京1月8日电 (记者 赵建华)财政部近日发布公告，储蓄国债和记账式国债2026年到期兑付工作 即将开始。储蓄国债和记账式国债利息均按单利计算，逾期不加计利息。 编辑：万可义 广告等商务合作，请点击这里 本文为转载内容，授权事宜请联系原著作权人 中新经纬版权所有，未经书面授权，任何单位及个人不得转载、摘编或以其它方式使用。 关注中新经纬微信公众号(微信搜索"中新经纬"或"jwview")，看更多精彩财经资讯。 储蓄国债(凭证式)兑付由投资者至原售出机构营业网点办理；提前兑取按当期国债发行通知规定的提前 兑取分档利率计付利息， ...

Core Insights - The recent issuance of the seventh and eighth phases of savings bonds has generated significant interest among investors, leading to rapid sellouts on the first day of availability [1][3] - The total planned issuance amount for these bonds is 26 billion, with each phase having a maximum issuance of 13 billion [1] - The bonds offer fixed interest rates of 1.63% for the 3-year bond and 1.70% for the 5-year bond, which are higher than typical bank deposit rates [1][3] Group 1: Investor Interest - Investors reported long queues at banks, with some branches selling out of bonds quickly, indicating high demand [1] - A bank representative noted that the distribution of issuance quotas varies by branch, leading to differences in availability [1] Group 2: Advantages of Savings Bonds - Savings bonds are considered a stable investment backed by national credit, providing a secure way to grow wealth [2][3] - The fixed interest rates and terms protect investors from market fluctuations, making them an attractive option for conservative investors [2][3] - The minimum purchase amount is set at 100, with a maximum limit of 3 million per individual for each bond issue [2] Group 3: Comparative Analysis - Savings bonds typically offer interest rates that are 0.3 to 0.5 percentage points higher than standard bank deposits, enhancing their appeal [3] - The ability to redeem savings bonds early, with a progressive interest rate structure, adds to their liquidity compared to traditional bank savings [3] - The tax-exempt status of interest earned on savings bonds further distinguishes them from bank deposits, making them a more favorable investment choice [3]

Core Insights - The article highlights the increasing public engagement and awareness regarding government bonds, particularly in rural areas, facilitated by the efforts of the People's Bank of China in Xiangtan City [1][2] Group 1: Government Bond Promotion - The People's Bank of China in Xiangtan has been actively promoting government bonds through various initiatives, including a "Rural Bond Promotion Season" that has reached over 100,000 views [2] - The bank has collaborated with local media to create a dedicated column titled "Government Bonds Benefit Agriculture and People," enhancing public knowledge about bonds [2] - Interactive activities, such as a quiz on savings bonds, attracted over 1,500 participants, showcasing effective public engagement strategies [2] Group 2: Service Accessibility - To address service accessibility in rural areas, the bank developed an electronic map marking 264 bond purchase points and 5 redemption locations, improving investor access [2] - The introduction of the "Rural Bond Direct Bus" service aims to provide comprehensive support throughout the bond purchasing process, ensuring that citizens receive assistance at every stage [2] - In 2025, the total sales of government bonds in Xiangtan reached 129 million yuan, reflecting a year-on-year growth of 1.4%, with county and township sales increasing by 16.1% [2]

Core Viewpoint - The Ministry of Finance announced the issuance of the third phase of savings bonds for 2023, totaling 50 billion yuan, with interest rates of 1.63% for 3-year bonds and 1.7% for 5-year bonds, reflecting a decrease of 0.15 percentage points compared to the same period last month [1]. Group 1: Bond Issuance Details - The third phase of bonds has a 3-year term with a maximum issuance of 25 billion yuan, while the fourth phase has a 5-year term with the same maximum issuance [3]. - The issuance period for both bonds is from June 10 to June 19, 2025, with interest payments made annually on June 10 [3]. Group 2: Comparison with Bank Deposits - Current interest rates for state-owned bank deposits are lower than those of savings bonds, with a maximum of 1.55% for 3-year deposits and 1.30% for 5-year deposits [3]. Group 3: Advantages of Savings Bonds - Savings bonds offer capital protection with 100% principal and interest repayment at maturity, making them suitable for risk-averse investors [5]. - The minimum purchase amount is 100 yuan, significantly lower than large-denomination time deposits and bank wealth management products [5]. - Savings bonds provide high flexibility, allowing for early redemption and some banks offering pledge loans [5]. Group 4: Limitations of Savings Bonds - The returns may lag behind inflation, potentially reducing purchasing power over the long term [6]. - Popular issuance amounts may sell out quickly, requiring attention to official announcements [6]. - Early redemption incurs a 0.1% fee, and no interest is paid if held for less than six months [6]. Group 5: Investment Strategies - For short-term funds (within 1 year), 30% can be allocated to short-term bond reverse repos with annualized returns of 2.2%-2.8% [7]. - For mid-term funds (1-3 years), 50% can be allocated to 3-year savings bonds, with the option to borrow against them if needed [8]. - For long-term funds (over 3 years), the remaining 20% can be invested in savings bonds to lock in higher rates, avoiding immediate redemption after five years [9]. Group 6: Overall Market Context - In a declining interest rate environment, savings bonds remain a "safety cushion" for ordinary individuals to protect their wealth [10]. - Utilizing bond reverse repos for short-term liquidity, combined with different maturity savings bonds, can create a "pyramid" investment strategy to meet unexpected cash needs while minimizing interest losses [11].