我国1993年3月1日发布实施的《储蓄管理条例》明确规定,定期存款只要是提前支取,不论存期长短,一律按支取日挂牌公告的活期存款利率计息。例如,定期3年现在已存满2年的1万元存款办理提前支取,按1997年7月份活期存款年利率1.98％计算,应得利息395元。而存单再等1年即存 China’s “Savings Management Regulations” promulgated on March 1, 1993 clearly stipulated that fixed deposit should be accrued as per the demand deposit interest rate listed on the withdrawal date, no matter the length of the deposit. For example, the deposit of 10,000 yuan, which is now 2 years old and has been kept for three years on a regular basis, is withdrawn in advance. According to the annual interest rate of 1.98% of current deposits in July 1997, the interest of 395 yuan should be accrued. The deposit and then wait another year to save