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存款

存款是指一筆放在銀行或認可金融機構的金額,而銀行通常會以存款的數量派發協議定下的利息。存款是客戶投資資產的一種,在銀行方面是負債表其中一項。

種類

存款可分為三大類:

  • 往來存款:通常是配合支票使用,通常沒有利息,部份有透支安排
  • 活期存款:可以隨時存入及提取,利息較低
  • 定期存款:必須存入指定時間,期間不得提取,利息較高。一般年期越長,利息會高些。

相關

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存款
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