checkable deposit

简明释义

活期存款

英英释义

例句

1.Many businesses prefer to keep their operating funds in checkable deposits for quick withdrawals.

许多企业更喜欢将其运营资金保留在可支票存款中，以便快速取款。

2.Your checkable deposits are insured by the government up to a certain limit.

您的可支票存款在一定限额内由政府投保。

3.When you open a checking account, you typically start with a minimum checkable deposit.

当您开设支票账户时，通常会以最低的可支票存款开始。

4.A checkable deposit allows you to write checks against the balance in your account.

可支票存款允许您根据账户余额开支票。

5.You can easily access your funds through a bank account that offers checkable deposit.

您可以通过提供可支票存款的银行账户轻松访问您的资金。

作文

In the world of finance, understanding various types of deposits is crucial for both individuals and businesses. One term that often comes up in discussions about banking and personal finance is checkable deposit. A checkable deposit refers to funds held in an account that can be withdrawn by writing a check or using a debit card. This type of deposit is essential because it provides liquidity, allowing account holders to access their money quickly when needed. The significance of checkable deposits cannot be overstated. They are a primary means through which individuals manage their day-to-day expenses. For example, when you receive your paycheck, you might deposit it into a checking account, which is a common type of checkable deposit. From there, you can easily pay bills, make purchases, or transfer funds without having to carry cash. This convenience is one of the main reasons why many people prefer checkable deposits over other forms of saving. Furthermore, checkable deposits play a vital role in the economy. Banks use these deposits to create loans, which in turn fuels economic growth. When individuals deposit their money into checkable deposit accounts, banks can lend out a portion of these funds to borrowers, such as businesses looking to expand or individuals seeking to buy homes. This process is known as fractional reserve banking, and it relies heavily on the existence of checkable deposits.However, it is important to note that while checkable deposits offer high liquidity, they typically earn lower interest rates compared to savings accounts or other investment vehicles. This means that while your money is easily accessible, it may not grow as quickly as it would if it were placed in a different type of account. Therefore, individuals must weigh their options carefully when deciding where to keep their funds.Additionally, the safety of checkable deposits is another aspect worth mentioning. In many countries, deposits in banks are insured by government agencies, meaning that even if a bank fails, account holders can recover their funds up to a certain limit. This insurance provides peace of mind for those who maintain checkable deposits, knowing that their money is protected.In conclusion, checkable deposits are a fundamental component of personal finance and the banking system. They provide individuals with a convenient way to manage their finances while also contributing to broader economic activity through lending. Understanding the role and characteristics of checkable deposits can help individuals make informed decisions about their money management strategies. As we navigate our financial journeys, recognizing the importance of checkable deposits will empower us to use our resources wisely and effectively.

在金融世界中，理解各种类型的存款对个人和企业都至关重要。在关于银行和个人财务的讨论中，一个常常出现的术语是可支取存款。可支取存款指的是可以通过写支票或使用借记卡提取的账户中的资金。这种类型的存款至关重要，因为它提供了流动性，使账户持有人能够在需要时快速访问他们的钱。可支取存款的重要性不容小觑。它们是个人管理日常开支的主要方式。例如，当你收到工资时，你可能会将其存入支票账户，这是一个常见的可支取存款类型。从那里，你可以轻松支付账单、进行购买或转移资金，而无需携带现金。这种便利性是许多人更喜欢可支取存款而非其他储蓄形式的主要原因之一。此外，可支取存款在经济中也发挥着重要作用。银行利用这些存款创造贷款，从而推动经济增长。当个人将他们的钱存入可支取存款账户时，银行可以将其中的一部分贷款给借款人，例如希望扩张的企业或寻求购房的个人。这个过程称为部分准备金银行，它在很大程度上依赖于可支取存款的存在。然而，值得注意的是，虽然可支取存款提供了高度的流动性，但与储蓄账户或其他投资工具相比，它们通常赚取较低的利率。这意味着，尽管您的钱易于获取，但它可能不会像放在其他类型的账户中那样快速增长。因此，个人在决定将资金存放在哪里时，必须仔细权衡选择。此外，可支取存款的安全性也是一个值得提及的方面。在许多国家，银行中的存款由政府机构投保，这意味着即使银行倒闭，账户持有人也可以在一定限度内恢复他们的资金。这种保险为那些保持可支取存款的人提供了安心，因为他们知道自己的钱是受到保护的。总之，可支取存款是个人财务和银行系统的基本组成部分。它们为个人提供了一种方便的方式来管理财务，同时也通过贷款为更广泛的经济活动做出贡献。理解可支取存款的角色和特征可以帮助个人在资金管理策略上做出明智的决定。在我们走过财务旅程时，认识到可支取存款的重要性将使我们能够明智有效地使用我们的资源。