1. Commercial bank deposits: refers to the deposits deposited by other commercial banks in the Bank;

2. Deposits of securities companies: refers to the deposits deposited by securities companies in banks;

3. Insurance company deposits: refers to the deposits deposited by insurance companies in banks;

4. Futures settlement margin: refers to the deposit deposited in the bank for the settlement of futures transactions of futures exchanges and futures brokerage companies;

5. Deposits from other non-bank financial institutions: funds deposited in the Bank by urban credit cooperatives, rural credit cooperatives, finance companies, trust and investment companies and financial leasing companies.

Deposit refers to the depositor's temporary transfer or deposit of funds or currency in banks or other financial institutions, or the temporary transfer of the right to use funds or currency to banks or other financial institutions. It is the most basic and important financial behavior or activity and the most important source of credit funds for banks.

Deposit type

1, time deposit

It refers to the deposit that the depositor can only withdraw money on the specified date after the deposit or must notify the bank a few days before the withdrawal. The term can range from 3 months to 5 years, 10 years or longer. Generally speaking, the longer the deposit term, the higher the interest rate. Traditional time deposits include not only certificates of deposit, but also passbooks, also called passbook time deposits. However, 90 days is the basic interest-bearing days, and no interest will be calculated after 90 days. Compared with demand deposits, time deposits are more stable and have lower operating costs, and the deposit reserve ratio held by commercial banks is correspondingly lower. Therefore, the capital utilization rate of time deposits is often higher than that of demand deposits.

2. Demand deposit

It refers to a kind of bank deposit that depositors can access and transfer money at any time without prior notice. Its forms include checking account, certified check, promissory note, traveler's check and letter of credit. Demand deposits account for the largest part of a country's money supply and are also an important source of funds for commercial banks. In view of the fact that demand deposits not only have the functions of monetary payment and circulation means, but also have strong derivative ability, commercial banks must take demand deposits as the focus of their operations at any time. However, due to frequent deposit and withdrawal, complicated procedures and high cost, commercial banks in western countries generally do not pay interest, and sometimes even charge a certain handling fee.

3. Notice deposit

Call deposit is a kind of deposit with no agreed term, and can only be withdrawn after notifying the bank in advance and agreeing on the date and amount of withdrawal.

The currencies of call deposits can be RMB, HKD, GBP, USD, JPY, EUR, CHF, AUD and SGD (please consult your local bank for specific business and currency). According to bank regulations, the call deposit interest rate of RMB and foreign currency is higher than the deposit interest rate.