English Chinese translation sample-Certificate T-Bond

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

Certificate T-Bond
☆ Introduction
Certificate T-Bond is a debt security issued by Ministry of Finance which ICBC represented. Its initial amount is RMB 100, must be an integral multiple of RMB 100 if it is over. Ceiling is RMB 500,000. Since it is guaranteed by government, it has very high credit rating and can be viewed as zero-risk investment. Certificate T-bond is issued by year and in issues, in deposit period of 2 years, 3 years or 5 years. ICBC business office issues T-Bond receipt certificate when you buy T-Bond. This is a registered certificate which can be reported loss, can be withdrawn in the same city; principal and interest can be withdrawn at maturity or redeemed before maturity. Further, interest income from Certificate Treasury is tax free. Certificate Treasury cannot be partially redeemed before maturity. Banking charge for redeeming T-bond before maturity is 1‰ or 2‰ of the redeemed principal.
凭证式国债
　　☆服务简介
　　凭证式国债是我行代理国家财政部发行的一种债务凭证，起点金额为100元人民币，大于100人民币必须是百元的整数倍数，上限金额为50万元人民币。由于以国家信用做担保，信用等级高，可以看作是零风险投资。凭证式国债按年度、分期次发行，存期一般为二年、三年、五年，您购买国债时由我行营业网点向您签发国债收款凭证，该凭证为记名凭证，可挂失，可在同一城市内通兑，到期或提前兑付凭该凭证支取本息。同时，对于凭证式国债国家免征利息税。凭证式国债不得部分提前兑付，提前兑付的国债按兑付本金数的1‰或2‰收取手续费。

☆ Features
1. Easy to buy. ICBC business offices around the country bring great convenience in buying or withdrawal of Certificate Treasury.
2. Can be pledged for loan. Certificate Treasury held in hand can be used to apply for pledge loan in case of urgent need of money.
　　☆服务特色
　　1. 购买方便。工行遍布全国的营业网点将为您购买和兑取凭证式国债提供极大的便利。
　　2. 可质押贷款。您持凭证式国债可在我行申请办理质押贷款，满足您的应急需求。

☆ Service Channel
1. ICBC business office: Buy, withdraw, transfer, enquiry or formal report of loss.
2. Internet Banking: enquiry or verbal report of loss.
3. Telephone Banking: enquiry or verbal report of loss.
　　☆服务渠道
　　1. 营业网点：您可在营业网点办理购买、支取、转账、查询和正式挂失等业务；
　　2. 网上银行：您可通过网上银行办理查询、口头挂失等业务；查看操作步骤：购买、兑付、查询余额
　　3. 电话银行：可办理查询、口头挂失等业务。

☆ Operation Guide
1. Buy. At any ICBC business office with own valid ID document. If some buy on behalf, ID document of this person has to be surrendered as well.
2. Withdrawal and transfer. Just use bond certificate and reserved password to withdraw or transfer at ICBC Counter.
3. Enquiry. At ICBC business office, Internet Banking or Telephone Banking.
4. Report loss.
　　☆操作指南
　　1. 购买。您持本人有效身份证件即可在我行任一网点办理购买手续，如委托他人代理，还须同时出示代理人的有效身份证件。
　　2. 支取与转账。您凭国债凭证和预留密码，即可到网点柜台办理支取或转账。
　　3. 查询。您可在营业网点、网上银行和电话银行办理查询。
　　4. 挂失。


☆ Helpful Tips
Fee is charged for reporting loss and redeeming before maturity
1. Report loss: Report loss of Certificate Treasury: 10 Yuan each time, 30 Yuan for account balance over RMB 50,000; report loss of password: 10 Yuan each time.
2. Banking charge for redeeming before maturity: 1‰or 2‰ of redeemed principal (1‰ of principal amount drawn on Certificate Treasury issued after 2002, 2‰ of principal amount drawn on Certificate Treasury issued before 2002).
　　☆温馨提示
　　您在办理凭证式国债的挂失和提前兑付时需缴纳有关费用。
　　1. 挂失：凭证挂失10元/笔，账户余额超过5万元的30元/笔，密码挂失10元/笔。
　　2. 提前兑付手续费：按兑付本金数的1‰或2‰收取手续费（对提前兑取2002年度以后发行的凭证式国债的，按兑取本金金额的1‰收取手续费，提前兑取2002年度以前发行的凭证式国债，仍按兑取本金金额的2‰收取手续费）。