琳达想经营一个自己的店铺，供货方、经营场所等安排就绪，准备等货源充足就大干一番。但是由于物流费用和原料费用的增加，货物价格涨幅不少，原来的预算在订单面前顿时捉襟见肘，想想闲置的房子还要一天天计算房租，琳达很是着急。她算了算，至少需要资金25万元才能到位。

Linda want to run a their own businesses,supplier/Business premises arrange ready, etc,Prepare and sufficient supply of goods is doing something great.But because the logistics cost and the increase of the cost of raw materials,Many goods price rise,The original budget in order immediately before rebuilding,Think of idle house also calculated the rent day by day,Linda is very worried.She calculated to calculate,Needs at least fund 250000 yuan can reach the designated position.

　　难题：30万损失2.8万 problem:300000 loss of 28000

　　琳达从远在家乡的父亲那里得到了支援，6张5万元3年定期存单，合计30万元。欣喜之余却发现，6张存单的存款日期均是2010年8月28日，也就是说还有2013年8月28日才到期，一直拖着不开张的话房租就白搭了进去。可是，要是提前支取，估计要损失不少利息，于是琳达来到银行想办法。

Linda back home from the father got support,6 zhang 50000 yuan 3 years certificates of deposit,Total 300000 yuan.More than pleased find,6 a certificate of deposit account date all is August 28, 2010,That is still August 28, 2013 to run,Drag the opening words not rent is no use to go in.but,If draw money in advance,Loss is expected to be a lot of interest,So Linda came to think of a way to the bank.

　　在工行理财师处，琳达得知，定存的一个最大的缺点就是只要存单不到期，利率不随人民银行的调息政策而变化，可一旦提前支取的话，只按照活期利率计算利息。于是，按照2010年8月的3年定期利率3.33%和工商银行(601398,股吧)按照央行在2012年7月6日的调息政策公布的活期存贷款利率0.3%，她算了一笔账，如表1。这30万元到期支取的话，本息和为329970元，而提前一年全额支取，本息和只有301800元，少了28177元，这可不是一笔小数目。

In icbc's financial management division place,Linda that,Fixed deposit one of the biggest weakness is as long as CD does not expire,With interest rates are the people's bank of pranayama policy change,But once the early withdrawal words,Only in accordance with the current interest rate of interest.so,According to the August 2010 3 years regular interest rate 3.33% of industry and commerce bank(601398,guba)According to the central bank in July 6, 2012 pranayama policies published by the current interest rate of 0.3%,She calculate a bill,Such as table 1.The 300000 yuan expire if withdrawal,Principal and interest and for 329970 yuan,But a year early on in full,Principal and interest and only 301800 yuan,Less 28177 yuan,This is not a small number.

　　支招：可以质押贷款 move:Can pledge loan

　　这将近3万元的收益损失着实让人心疼，可是理财师告诉琳达，如果急需用资金，可以办理定期存单质押贷款。

This nearly 30000 yuan of income loss really let a person feel distressed,But financial management division tell Linda,If need with funds,Can deal with certificates of deposit pledge loan.

　　按照工行办理定期存单质押贷款金额的规定，贷款总额原则上不超过质物面额的90%，个人质押贷款的贷款期限最长不得超过1年且不得超过质押品的到期日；若用不同期限的多张存单作质押，以距离到期日最近的存单来确定贷款期限。如今琳达的6张存单都是同一个日期容易计算贷款利息。工商银行个人质押贷款利率比较低，执行的是中国人民银行公布的同档次基准利率。个人质押贷款的贷款期限一般为1年，最长不超过3年，网上银行个人质押贷款期限最长为1年。2012年7月6日起，6个月个人贷款利率以5.6%为基准计算贷款利率，6个月～1年个人贷款利率以6%为基准计算贷款利率。

According to the icbc deal with certificates of deposit pledge the provisions of the loan amount,Loan amount does not exceed 90% of the amount the pledged property,Personal pledge loan loan time limit the longest must not exceed 1 year and shall not exceed the pledge product maturity;If use different term of more than one certificate of deposit be pledged,The distance due date recent CD to determine loan time limit.Now Linda 6 a certificate of deposit are the same date easy to calculate loan interest.Personal pledge loan commercial bank interest rates were low,Execution is published by the people's bank of China with class benchmark interest rate.Personal pledge loan loan time limit is 1 year commonly,The longest do not exceed 3 years,The bank on the net personal pledge loan period for one year.On July 6, 2012 up,Six months personal loan interest rates to 5.6% for the benchmark lending rate calculation,6 months ~ 1 year personal loan interest rates to 6% for the benchmark lending rate calculation.

　　琳达用30万元存款定期存单质押贷款，按照原则上不超过质物面额的90%，可以申请办理贷款金额为27万元。

Linda with 300000 yuan deposit certificate of deposit pledge loan,In principle according to no more than 90% of the pledged property denomination,Can apply for loan amount is 270000 yuan.

　　情况一：如果琳达可以确保半年以后手头会有还款资金，就可以申请办理半年期的贷款，依据2012年7月6日公布贷款利率为5.6%，应支付利息7560元，到期应还277560元。

Situation a:If Linda can ensure that after half a year on hand will be reimbursement funds,Can apply for to deal with the 6-month loans,Based on July 6, 2012 published loan interest rate is 5.6%,Shall pay interest on 7560 yuan,The due should also 277560 yuan.

　　情况二：如果琳达在半年的时候不确定有还款资金，就可以用一年后到期的定期存单支付这笔贷款，依据2012年7月6日公布贷款利率为6%， 1年利息为16200元，本利和为286200元。而到期的存单本利和为329970元，多出43770元。

Situation two:If Linda in half a year's time not sure have repayment fund,Can use a year later due certificates of deposit to pay the loan,Based on July 6, 2012 published loan interest rate is 6%, 1 NianLiXi for 16200 yuan,Principal and interest and for 286200 yuan.And the certificate of deposit due principal and interest and for 329970 yuan,More than 43770 yuan.

图二 Figure 2

　　这样一算，不仅仅解决了琳达的资金问题，提前支取造成28170元的利息损失也可以避免，确实是一个不错的方法。

This is a,Not only solved the Linda capital problem,Withdraw 28170 yuan in advance by the interest loss can also avoid,It is a good method.