enterprise deposits are deposits in banks of industrial, commercial (including grain and foreign trade) and state-owned agricultural enterprises. According to the term of deposit, it is divided into time deposit and demand deposit; According to the different forms of funds, it is divided into settlement account deposits and special fund deposits.

before the liberation of this province, all banks except the central bank handled this business. The main deposit targets are various businesses, exporters of local products and manufacturers of industrial and mining products.

after the founding of the People's Republic of China, with the development of economy, the deposits of enterprises in banks have been increasing, and gradually become one of the main sources of bank credit funds. On March 12, 195, the Fujian Provincial Committee issued the Regulations on Cash Management of Government Organs, Armed Forces and Public Enterprises. On April 7 of the same year, the State Council promulgated the Decision on Implementing Cash Management of State Organs. In accordance with the above provisions, banks conduct corporate deposit business while carrying out cash management. All state-owned enterprises, local state-owned enterprises (including enterprises affiliated to industrial, mining, trade, transportation and organs, etc.), and cooperatives at or above the county level that have their own units engaged in production or economic activities must establish accounts with the local People's Bank of China. All business transactions between units shall not be exchanged privately in cash, nor shall commercial credit occur with each other, and must be settled through bank accounts.

With the gradual recovery of the national economy and the widespread establishment of banking institutions, corporate deposits in the whole province reached 34 million yuan in 1952, accounting for 27% of the total balance of various deposits in the same period, up 9.8 times and 18 percentage points respectively compared with 195. Before 1978, banks mainly used administrative means to organize corporate deposits. State-owned enterprises not only deposit their working capital in banks, but also set up special fund depositors in banks for major repair funds, incentive funds, welfare funds and depreciation funds. With the continuous development of socialist economic construction, the deposits of state-owned industrial, commercial, agricultural and collective enterprises in the province increased greatly. By 1978, the deposits of enterprises in the province reached 755 million yuan, an increase of 21.5 times over 1952. Due to the faster increase in other items, the proportion of corporate deposits in the total balance of deposits in the province is .7 percentage points less. Among the corporate deposits in the same period, the state-owned industrial deposits reached 352 million yuan, accounting for 46.5% of the corporate deposits in 1978; Commercial deposits were 143 million yuan, accounting for 19%; State-owned agricultural deposits reached 61 million yuan, accounting for 8.%; The deposits of special funds for industrial enterprises reached 16 million yuan, accounting for 14%; The deposits of collective enterprises reached 94 million yuan, accounting for 12.5%.

After the Third Plenary Session of the Eleventh Central Committee, the national economy of this province entered a new period of development, the scale of production and circulation of enterprises continued to expand, and the demand for bank credit funds increased accordingly. In order to meet the needs of the development of the situation, the sources of credit funds must be expanded. At the same time, the reform of credit fund management within banks has prompted banks at all levels to change the idea of "paying more attention to loans than to deposits", attach importance to corporate deposits, and adopt economic means to absorb corporate deposits in various ways.

In August, 1982, the People's Bank of China forwarded the Interim Measures for Time Deposit of Units, which stipulated that all enterprises owned by the whole people and collectively (including enterprises and institutions affiliated to the military logistics department) can apply for time deposits in their local account opening banks with short-term unused funds and local fiscal balance deposits retained by the units according to relevant regulations. Temporarily handle two-year and three-year lump-sum time deposits, starting at RMB 1,, with unlimited deposit. If the principal is deposited at one time, the bank will issue a certificate of deposit and withdraw the principal and interest at one time. Time deposits adhere to the principle of voluntariness, but due to the high deposit interest rate, they cannot be withdrawn in advance before the original deposit period. After the time deposit expires, you can go through the formalities of rollover. If you don't go through the rollover formalities after the maturity date, the interest on the overdue part will be calculated according to the original deposit and the deposit interest rate of the enterprise unit until the day before the withdrawal date. After the implementation of this method, due to the development of commodity economy, the province's unit time deposits have been increasing.