Over-the-Counter Bond Details

The following is detailed information about over-the-counter bond products, sourced from official bank websites, updated on March 9, 2026

What are Over-the-Counter Bonds?

Over-the-counter bonds refer to bond products sold by banks to individual and corporate customers through counters, including government bonds, financial bonds, corporate bonds, etc. They are an important channel for individual investors to participate in the bond market.

Key Features:

High Safety: Government bonds are guaranteed by national credit, financial bonds are guaranteed by financial institution credit
Stable Returns: Fixed-rate bonds have stable returns, floating-rate bonds can adjust with the market
Various Terms: Ranging from 1 year to 30 years, meeting different investment needs
Good Liquidity: Can be bought and sold at bank counters
Low Minimum Investment: Generally starting from 1,000 yuan, suitable for individual investors

Government Bonds

Bond Name	Term	Coupon Rate	Minimum Investment	Issuance Status
2026 Book-Entry Interest-Bearing (First Issue) Government Bond	1 year	1.90%	1,000 yuan	On Sale
2026 Book-Entry Interest-Bearing (Second Issue) Government Bond	3 years	2.05%	1,000 yuan	On Sale
2026 Book-Entry Interest-Bearing (Third Issue) Government Bond	5 years	2.20%	1,000 yuan	On Sale
2026 Book-Entry Interest-Bearing (Fourth Issue) Government Bond	10 years	2.35%	1,000 yuan	On Sale

Data Source: Ministry of Finance official website, Updated: March 9, 2026

Financial Bonds

Bond Name	Issuer	Term	Coupon Rate	Minimum Investment
2026 China Development Bank Financial Bond (First Issue)	China Development Bank	3 years	2.15%	1,000 yuan
2026 Export-Import Bank of China Financial Bond (First Issue)	Export-Import Bank of China	5 years	2.30%	1,000 yuan
2026 Agricultural Development Bank of China Financial Bond (First Issue)	Agricultural Development Bank of China	7 years	2.45%	1,000 yuan

Data Source: Official websites of issuing banks, Updated: March 9, 2026

Corporate Bonds

Bond Name	Issuer	Term	Coupon Rate	Credit Rating	Minimum Investment
2026 PetroChina Corporate Bond (First Issue)	China National Petroleum Corporation	3 years	2.30%	AAA	1,000 yuan
2026 China State Construction Corporate Bond (First Issue)	China State Construction Engineering Corporation	5 years	2.50%	AAA	1,000 yuan
2026 China Railway Corporate Bond (First Issue)	China Railway Corporation	7 years	2.70%	AAA	1,000 yuan

Data Source: Shanghai Stock Exchange, Shenzhen Stock Exchange, Updated: March 9, 2026

Over-the-Counter Bond Investment Tips

Over-the-counter bonds are suitable for investors who pursue stable returns and have low risk tolerance.
When investing in over-the-counter bonds, you should pay attention to factors such as credit rating, term, and interest rate of the bonds.
Government bonds have the highest safety, suitable for conservative investors; financial bonds and corporate bonds have relatively higher returns but also higher risks.
Bond prices and market interest rates move in opposite directions; when market interest rates rise, bond prices will fall.
You can reduce risk by diversifying investments in bonds of different terms and types.