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 定期存款,也称为期限存款或定期存单,是存款期限固定的一种储蓄存款。
Savings / time optional deposit in foreign currency are registered deposit without fixed amount , without definite maturity , whose interest rate varies in line with the length of maturity 定活两便存款外币定活两便存款是一种不确定存期,利率随存期长短而变动的记名式不定额存款。
If the length of maturity is within one year inclusive , interest amount shall be computed in accordance with the contracted interest rate , and the interest rate shall remain unchanged in case of adjustment of the legal interest rate ; if the term is over one year , the interest rate shall be subject to interest rate adjustment , if any , made by the people ' s bank of china 贷款期限在一年以内(含一年) ,按合同约定利率计息,遇法定利率调整时,利率不变;贷款期限在一年以上的,遇法定利率调整,则按人民银行关于利率调整的规定进行利率调整。