Affected by the stock market decline, bank savings deposits have greatly increased. Many people, unable to find a suitable investment direction temporarily, placed their idle funds in current savings. Mr Zhang is a senior manager of a foreign trade company. Because of his business, he always keeps several hundred thousand yuan as current deposit on his salary card. Especially during the sales off-season when there is less business, he has more idle funds on his current passbook. Current savings may be convenient for making deposits and withdrawals, but currently its interest rate is too low - only 0.72% per annum. For this reason, he once tried buying money funds and making notice deposits, but it generally takes two working days for the proceeds from redemption of money funds to arrive in his account. Sometimes, holidays cause even longer delays; although the interest rate of notice deposits is higher than that of current deposits, they require him to go to the bank every time to handle storage procedures. Moreover, according to the bank's regulations, he must notify the bank in advance before withdrawal. This makes Mr Zhang, who is very busy with official duties, feel extremely inconvenienced.