Personal Time Deposit Transactions
Chinese source: 个人定期业务
Locale: en-US
Audience: Internal learning
Business Frame
Personal time deposit transactions focus on withdrawing or closing a customer's time deposit. The page must connect principal, interest, maturity status, actual rate, product rules, and account restrictions.
Transaction List
| Code | English Name | Page Type | Study Focus |
|---|---|---|---|
[1026] | Personal Time Deposit Withdrawal | Accounting transaction | Withdraw a time deposit at maturity, early, or according to product rules. |
[1026] Personal Time Deposit Withdrawal
This page handles withdrawal of a personal time deposit. It is not just moving funds. It triggers maturity judgment, interest calculation, actual rate determination, and transaction posting.
Core Reading
| Field | Reading |
|---|---|
| Customer account number | Account entry point. |
| Sub-account | Specific time deposit being withdrawn. |
| Ledger balance | Principal or book balance. |
| Value date | Date interest started. |
| Maturity date | Determines maturity, early withdrawal, or overdue handling. |
| Withdrawal interest | Interest paid or settled in this transaction. |
| Maturity rate | Rate expected at maturity. |
| Actual rate | Rate actually used for this withdrawal. |
Risk Controls
- Confirm the exact time deposit sub-account.
- Check whether the transaction is at maturity, early, or overdue.
- Explain differences between maturity rate and actual rate.
- Check freezes, pledges, stop-pay controls, restriction codes, and product rules.
- Confirm where principal and interest are posted after withdrawal.
Related Concepts
| Concept | Link |
|---|---|
| Time deposit withdrawal | Time Deposit Withdrawal |
| Time deposit rollover | Time Deposit Rollover |
| Interest | Interest Accrual, Posting, and Payment |