Certificate of deposit refers to the (electronic) book-entry deposit certificate (no paper certificate) issued by commercial banks for individual investors. With the savings card as the medium, it belongs to personal deposit and enjoys deposit insurance protection, that is, within 500,000 yuan 100% payment. The threshold (quota) for purchasing certificates of deposit is relatively high, generally requiring 200,000 or 300,000, and the interest rate will rise sharply compared with ordinary deposits, with the interest rate around 3.5%-4%.