Time deposit of small savings for lump-sum withdrawal refers to savings deposit whose terms are agreed, and whose fixed amount is deposited every month when opening an account. The minimum amount of  deposit is 5 RMB yuan and the maturities range from three grades: 1 year, 3 years and 5 years.        
零存整取定期储蓄存款是指开户时约定存期，每月固定存额，起存金额为5元人民币，存期分一年、三年、五年的一种储蓄存款形式