A depositer opens an account of certificates of deposit (CDs) at a division of China Construction Bank in Hangzhou, capital of east China's Zhejiang Province, June 15, 2015. Nine banks, including the "big four" state-owned lenders, started issuing the country's first batch of large-scale CDs on June 15. Much of the first batch will have terms of one year or less. The subscription threshold for individual investors is 300,000 yuan (about 49,020 U.S. dollars) while that for institutions is 10 million yuan. (Xinhua/Long Wei)