The last batch of government bonds for this year will be issued tomorrow – are you interested in purchasing them?

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It is understood that the planned maximum issuance amount for this batch of government bonds is 30 billion yuan, of which 15 billion yuan is for three-year bonds and 15 billion yuan for five-year bonds. Interest rates will remain at the levels seen in the second half of this year: 3.8% for three-year terms and 4.17% for five-year terms. Interest accrues from the date of purchase, with principal and interest repaid in full upon maturity; no compound interest is applied, and no additional interest is charged for overdue payments. These government bonds are issued to individuals at their face value; they are registered bonds. The registration is done on a real-name basis, and it is possible to report them as lost, redeem them in advance, or use them as collateral for loans. However, their ownership cannot be transferred, and they cannot be circulated or sold. 　　Unlike electronic government bonds, which can be purchased either at counters or through online banking, certificate government bonds can only be bought at counters. Due to their long maturity periods, it is easy to forget to withdraw government bonds upon expiration. In response to this issue, banks such as ICBC, BOC, Industrial Bank, and CGB have introduced a service for automatic rollover of certificate-style government bonds. This means that if one forgets to redeem the bond upon its expiration, the principal and interest will be transferred to the individual’s savings account, where they can continue to earn interest through rolling compounding.