“定期存款”和“活期存款”用英语怎么说

UnderstandingthedifferencebetweentwotypesofbankdepositsinEnglishiscrucial:

1.TimeDeposit-Alsoknownasafixeddeposit,thisarrangementinvolvesapredeterminedtermandinterestratebetweenthedepositorandthebank.Theprincipalandinterestarepaidbackuponmaturity.Sometimedepositsallowearlywithdrawalthroughatransfertothemarket,whileothersarenon-transferableandmayincurapenaltyforearlywithdrawal.

2.DemandDeposit,ontheotherhand,offersahighlevelofflexibility.Itisanaccountwheredepositorscanwithdrawandtransfertheirfundswithoutpriornotice,includingusingserviceslikecheckingaccounts,cashier'schecks,traveler'schecks,andcreditlines.Demanddepositsmakeupasignificantportionofacountry'smoneysupplyandserveasavitalsourceoffundsforcommercialbanks.

Foramoredetailedlook:

定期储蓄有多种分类:

Zero-IncrementWholeWithdrawal-Forthosesavingincrementally,thisoptioninvolvessettingasideafixedamounteachmonth,withthebalanceandinterestpaidattheendoftheterm.

DepositInterestandWithdrawPrincipal-Forlong-termsavings,thismethodinvolvesdepositingtheprincipalonceandreceivinginterestinstallments,withtheprincipalwithdrawnatmaturity.

WholeAmountDepositandWholeAmountWithdrawal-Astraightforwardoptionwherecustomerschooseaspecifictermanddepositthefullamount,withtheprincipalandinterestredeemedattheend.

For活期存款,keyfeaturesinclude:

UniversalDepositandWithdrawal-Usingadebitcard,customerscanaccesscashatanybankbranchorATMacrossthecountry,andevenperformcashdepositsatlocalbrancheswithoutacardinsomecases.

Funds流动性强-Withdemanddeposits,youcanaccessyourfundsasneeded,providingahighlevelofflexibility.

ConvenienceinPayment-Youcansetupyour活期存款accountforautomaticbillpayments,simplifyingdailyexpenses.

Thesefinancialproductscatertodifferentsavingandliquidityneeds,allowingindividualstochoosethebestfitfortheirfinancialgoals.