10th, the realization of the net purchase will bring more choices and convenience to investors

Original title: National debt to achieve online shopping

Http://www.aliyun.com/zixun/aggregation/39121.html "> International online report (reporter Yu Qingfan): While online banking is becoming more and more popular, the savings bonds are finally" net "for the first time. Starting today, the public will be able to buy government bonds on the internet for the first time, which would bring convenience to many people. Experts said that the national debt market if the level can be richer, more varieties, investors will bring more choices and convenience.

The 13th issue of this year's Savings bonds (electronic) and phase 14th Savings Bonds (electronic) will be issued from November 10, the Treasury Department said recently. The biggest difference between the bonds and the past is that this national debt for the first time to try net Silver sales, ICBC (601398, shares bar), Construction Bank (601939, shares bar) and Bank of communications (601328, shares bar) to become a pilot bank, the public can through the above three banks in the online bank for personal bonds account open accounts, Inquiries and purchase business. Of course, in addition to net banking channels, the public can also purchase formalities at the outlets of 38 national debt underwriting institutions.

Miss Li told reporters that their regular network shopping, for the network silver operation is quite skilled. And before let her very headache queue to buy the issue of government bonds, now also can be solved by net silver, it is too convenient!

"Now the national debt can be bought from the Internet, so that in the home can operate, no longer need to go to the bank at the front Row brigade." I also went to the bank before the queue, but it was too late to buy. ”

Although for many young people, the net buys a lot of government bonds, but for many middle-aged and elderly investors who do not know much about online banking, whether the security of the net bank to buy bonds, the operation is complex is the focus of their attention. More than 60-Year-old Wang told reporters: "We are still willing to go to the counter to carry out such a transaction, the modernization of the operation of computers, we also do not use." At the counter, there is another advantage, there is no understanding of where to ask staff. At home, there is no place to ask, so I think it is better on the counter. Especially at the counter to do, I feel at ease. ”

Regarding Ms Wang's doubts, the relevant head of ICBC said that in fact, online banking to buy government bonds is not as troublesome as imagined. According to its introduction, in the bond issue period, customers only need to login ICBC personal Online Banking, click into the "online government bonds" "savings bonds (electronic)" column for subscription applications, the system will automatically prompt customers to open an account and purchase. If the customer has opened a Treasury account in ICBC, just make sure that the corresponding funds clearing account of the bond escrow account has been opened online banking function through the counter, you can buy the savings bonds directly through the online bank, no need to open an account again.

It is reported that the issue of the two-period national debt fixed-rate fixed-term national debt, of which the 13th period is 3 years, the annual interest rate of 4.76%, the largest issue of 12 billion yuan, the 14th period of 5 years, the annual interest rate of 5.32%, the largest issue amount of 8 billion yuan.

But for the net buys the government debt, Beijing Business University Economics School professor Zhou Qingjie said, the purchase way convenience, to some extent has the promotion function to the national debt sale. But he believes that if the bond market is richer and more diverse, it will bring more choices and convenience to investors.

"The quality of the bond sales depends on the contrast between the yields on the Treasury and other financial products," Zhou Qingjie said. If bond yields are relatively high, and as you know, the debt itself is a risk-minimal financial product, coupled with the convenience of buying, it should be said to be conducive to the sale of government bonds. In addition, the national debt market should be more rich, more varieties, including deadlines, the level of interest rates under different periods, of course, including the Treasury market for more open to more subjects, etc., so that residents or other subjects in the purchase of government bonds, there are more choices. ”