南开大学金融学教授田利辉分析称，储蓄国债兼具"安全、收益、灵活"三大优势。其利率通常比同期银 行定期存款高出0.3至0.5个百分点。以50万元投资为例，3年期储蓄国债比同期限定期存款多赚约5700 元，5年期则可多出约1万元收益。值得关注的是，储蓄国债支持提前兑取，按持有时间实行累进计息， 持有满半年后最低利率达0.35%，高于银行活期存款利率。 "一分钟被抢光""好不容易排上队竟然没额度了"……10月10日，第七期和第八期储蓄国债（凭证式）正 式发行，引发了投资者在社交平台上的热烈讨论。 据了解，本次发行的第七期和第八期储蓄国债计划最大发行总额为260亿元。其中，第七期储蓄国债期 限3年，票面年利率1.63%，全国最大发行额度130亿元；第八期储蓄国债期限5年，票面年利率1.70%， 全国最大发行额度130亿元。从购买之日开始计息，到期一次还本付息，不计复利，逾期不加计利息。 储蓄国债分为凭证式和电子式两种类型。此次发行的储蓄国债（凭证式）需要投资者去银行柜台预约。 某银行官方微信号指出，储蓄国债有三大优势：一是投资稳健，以国家信用为保证，到期后由国家还本 付息，是财富增值的稳健保障；二是收益锁定，固定期限 ...

该行积极开展国债下乡"宣传季"系列活动，联合当地主流媒体开设"国债下乡 惠农利民"专栏，相 关信息累计浏览量超10万人次。依托政府官方平台开展储蓄国债知识有奖答题活动，吸引到1500余名市 民踊跃参与，通过互动式科普全方位宣传国债知识。同时，通过部分承销银行的智能终端搭建"移动宣 传站"，在全辖3个县（市）45个乡镇滚动播放国债宣传海报，实现国债宣传全覆盖。 "真没想到你们一直记挂着我要买国债的事，太感谢了。"在拿到国债收款凭证的那一刻，湖南省湘 潭市市民邱大姐的眼中泛起了泪光，在电话里不停地对中国人民银行湘潭市分行工作人员表示感谢。 2025年年初，邱大姐的弟弟在工地意外重伤后瘫痪，工地的赔偿金成为维系其后续生活的希望。如 何让这笔"救命钱"安全保值？一次国债下乡宣传让邱大姐有了答案，在她心中，国债是国家信用背书的 理财方式，安全可靠，是守护弟弟未来的"定心丸"。 2025年第一期和第二期储蓄国债（凭证式）发行公告发布后，在中国人民银行湘潭市分行和工商银 行湘潭分行工作人员的细致协助下，邱大姐如愿购买到了一笔五年期储蓄国债。"从咨询到购买，全程 有人帮、有人管，让我真切感受到了金融服务的温度。"邱大姐感慨道 ...

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].