Interbank deposit certificates are book-entry time deposit certificates issued by deposit-taking financial institutions in the national interbank market. Its investment and trading subjects are members of the national interbank lending market, fund management companies and fund products, which are substitutes for interbank deposits.

Advantages:

1, with high security. Interbank deposit certificate fund refers to investing more than 80% of the funds in interbank deposit certificates. The so-called interbank deposit certificate is the certificate given by the bank to the deposit institution. This certificate is generally AAA, with high liquidity and high security.

2, the risk is small, it is low risk and low risk, which is lower than the risk of bond funds.

3, the investment threshold is low, generally 1 yuan can be purchased.

4, low rate, low cost, generally 0 subscription fee, holding more than 7 days free of redemption fee.

5. The rate of return is slightly higher than that of the money fund.