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| 背面描述 | The reverse is printed in pale rose and mauve on a fine guilloche underprint, enclosed within a decorative border. At left, a text block sets out the terms and conditions of the credit bond in Korean. At right, fill-in fields for issuing branch, issue date, bearer identification, payment date, and paying branch are arranged within a central guilloche vignette. |
| 背面铭文 | 사용설명서 신용권은 임의의 중앙은행기관에서 사거나 찾으며 양도할수있다. 신용권을 분실한 경우 재 발급 하지 않는다. 신용권의 년 리자는 4%이며 리자는 산날부터 1년을 주기로 하여 발급받은 중앙은행 기관에서 찾을 때에 계산지불한다. 발급지점명 발급 년 월 일 찾는사람수표 지불 년 월 일 지불지점명 (Translation: Instructions for use. A credit bond may be purchased, redeemed or transferred at any central banking institution. If a credit bond is lost, it will not be reissued. The annual interest rate on the credit bond is 4%; interest is calculated from the date of issue on a one-year cycle and is paid when redeemed at the issuing central bank institution. Issuing branch name. Issue date (year/month/day). Bearer's mark. Payment date (year/month/day). Paying branch name.) |
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North Korea's savings bonds occupy an awkward category — nominally voluntary instruments issued to absorb excess currency from the population, though the degree of voluntariness has always been contested. This 2003 issue came roughly two years after the state's catastrophic currency reforms of the 1990s had already devastated public confidence in won-denominated instruments. The bonds were not freely traded and had no secondary market; redemption depended entirely on state willingness to honor them at maturity.
A watermark is the sole security feature — modest for a high-denomination instrument, but consistent with the DPRK's limited printing infrastructure at the time.