> For the complete documentation index, see [llms.txt](https://help.daak2.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.daak2.com/zh-cn/fen-qi-yu-ding-cun/fixed-deposit.md).

# 定存

## 创建定存

1. 打开 **定存**，点击右上角 **+**。
2. 填写名称、本金、年利率和开始日期。
3. 选择本金账户、期限和付息模式。
4. 检查自动生成的利息计划并保存。

| 付息模式         | 使用方式           |
| ------------ | -------------- |
| **到期一次还本付息** | 到期时一次确认本金和利息   |
| **按月付息**     | 每月生成一个待确认利息期数  |
| **按季付息**     | 每季度生成一个待确认利息期数 |
| **按年付息**     | 每年生成一个待确认利息期数  |

## 确认利息

1. 点击定存进入详情。
2. 选择到期的利息期数。
3. 核对实际到账金额、账户和日期。
4. 保存后生成利息账单并更新计划历史。

{% hint style="warning" %}
预计利息与银行实际到账不同时，请在确认利息时填写银行实际到账金额。
{% endhint %}

## 编辑与删除

编辑页可以调整计划信息和未确认的利息安排。需要提前结束时，打开计划并选择 **提前结束**；已经结束的计划可以从定存页面底部 **已结束**查看。

{% hint style="danger" %}
删除定存计划及关联账单，不可撤销。
{% endhint %}


---

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