The largest proportion of all deposit liabilities of my country's state-owned commercial banks is not savings deposits. Among the total deposit liabilities of my country's state-owned commercial banks, the largest proportion is corporate deposits. Corporate deposits are deposits in banks by various types of enterprises such as industry, commerce, food, and foreign trade. Enterprise deposits mainly consist of two parts: First, the enterprise's settlement account deposit in the bank, which is the enterprise's payment reserve and has strong liquidity; second, the enterprise's various special fund deposits, including depreciation fund deposits, overhaul fund deposits, and welfare funds Fund deposits and corporate fund deposits. This type of deposit is gradually accumulated in the reproduction process, is earmarked for special purposes, and has strong stability. The corporate time deposits newly launched by the Bank of my country come from retained funds that companies will not use in the short term, and are more stable. Corporate deposits grow with the expansion of social production and circulation, and are an important source of bank credit funds.