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蓄存款。本金或初始投資金額被存入一個存款賬戶，按照預先設定的利率計息。通常定期存款的期間從三個月到五年不等，時間越長利息越高。定期存款比一般投資的回報率要高，因為投資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算。長期存款是低風險、低回報的投資，50元起存，不設上限。這種存款對于一定時間內不需要使用存款的儲戶比較適合。