A fixed deposit, also referred to as a time deposit, term deposit or Certificate of Deposit (CD), is a kind of savings deposit with a definite length of maturity. The principal or original investment amount is placed into a savings account and earns interest at a pre-determined rate. Generally, time deposits offer investment maturity terms from 3 months to 5 years where longer terms earn higher rates. Time deposits offer higher rates of return than most comparable investments because the invested money is "tied up" until the maturity of the time deposit. Money removed before maturity is subject to an early withdrawal penalty. Such withdrawals usually result in interest being calculated at the current or at-call deposit rate? Time deposits are low risk, low return investments and are generally available for a minimum investment amount of 50 RMB, without any upper limit. This type of deposit is suitable for customers who do not require access to their money for a certain period of time.
　　定期存款，也稱為期限存款或定期存單，是存款期限固定的一種儲(chǔ)蓄存款。本金或初始投資金額被存入一個(gè)存款賬戶，按照預(yù)先設(shè)定的利率計(jì)息。通常定期存款的期間從三個(gè)月到五年不等，時(shí)間越長利息越高。定期存款比一般投資的回報(bào)率要高，因?yàn)橥顿Y的存款直到到期才能支取。提前支取需要支付罰金。這種提款通常造成利息按活期利息計(jì)算。長期存款是低風(fēng)險(xiǎn)、低回報(bào)的投資，50元起存，不設(shè)上限。這種存款對于一定時(shí)間內(nèi)不需要使用存款的儲(chǔ)戶比較適合。