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有奖储蓄的特点就是将储蓄存款的利息以奖金形式支付给中奖储户。定额定期有奖储蓄根据奖金与利息分配比例不同,可分为定额定期以奖代息储蓄和定额定期有奖有息储蓄,前者是将金额利息以奖金形式支付给中奖者,后者是将部分利息以奖金形式支付给中奖者,另一部分利息在存款到期时按规定支付给储户。邮政机构支付一般储蓄存款(存本取息业务除外)利息的方法是利随本清,是在存款到期支付本金时,计付利息,而定额定期有奖储蓄奖金支
Prize savings are characterized by the payment of interest on savings deposits to winning depositors in the form of a bonus. According to the different proportion of bonus and interest allocation, the fixed deposit can be divided into a fixed-term and a fixed-term depository with interest-based savings, the former is the amount of interest paid in the form of bonus to the winner, which is part of the Interest is paid in the form of a bonus to the winners, and the other part of the interest is paid to the depositor at the expiry of the deposit. The method by which the postal service pays the interest of a general savings deposit (other than a deposit-taking business) is that in the future with the payment of principal, the interest is paid when the deposit is due and the fixed deposit bonus