Fixed term deposit - teikiyokin

A deposit with a fixed deposit period that is determined in advance and, in principle, withdrawals will not be allowed during that period. The deposit period is one month or more, and there are fixed term deposits of one month, three months, six months, one year, two years, three years, four years, five years, six years, seven years, eight years, nine years, and ten years, as well as fixed term deposits with a one-year grace period and a maturity date of one's choice, more than one month in advance, that the customer can specify.

In addition to ordinary fixed term deposits, there are automatic renewal fixed term deposits, which are automatically renewed when the maturity date of the fixed term deposit is reached, installment fixed term deposits, which do not make withdrawals but only accumulate for a certain period of time, fixed interest rate fixed term deposits, which have a fixed interest rate that does not change until the maturity date, and variable interest rate fixed term deposits, which have a fixed interest rate that changes according to market interest rates at the time of deposit on the return date at regular intervals from the date of deposit during the deposit period. Interest rates were regulated by the announcement of the maximum interest rate limits by the Minister of Finance (the Prime Minister and the Minister of Finance from January 2001) based on the Temporary Interest Rate Adjustment Act, but were fully liberalized in 1993.

[Kazuo Ota]

Source: Shogakukan Encyclopedia Nipponica About Encyclopedia Nipponica Information | Legend

あらかじめ一定の預入れ期間が定めてあり、その期間中の引出しは原則として行わないという契約の預金。預入れ期間は、1か月以上となっており、1か月、3か月、6か月、1年、2年、3年、4年、5年、6年、7年、8年、9年、10年の定型方式によるものと、1年据置き後、1か月以上前の任意の満期日を顧客が指定する期日指定定期預金がある。

　定期預金には、普通定期預金のほか、定期預金の満期日が到来すると自動的に継続預入れの手続がとられる自動継続定期預金、一定の期間、払出しは行わず積立てのみを行う積立定期預金、預入れ時の適用利率が満期日まで変わらない固定金利定期預金、預入れ期間中に預入れ日からの一定期間ごとの応答日に市場金利にあわせて適用利率が変更される変動金利定期預金がある。金利は、臨時金利調整法に基づく大蔵大臣（2001年1月より内閣総理大臣及び財務大臣）の金利最高限度の公告により規制されていたが、1993年（平成5）に完全自由化された。

［太田和男］

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