The characteristics of the company's demand deposits are: large liquidity, frequent deposit and withdrawal, and complicated procedures; The characteristics of time deposit: more stability, simple procedures and higher interest rate.

Enterprise deposits are mainly composed of two parts: first, the deposit in the settlement account of the enterprise in the bank is the payment reserve of the enterprise and has strong liquidity; Second, various special fund deposits of enterprises, including depreciation fund deposits, major repair fund deposits, welfare fund deposits and enterprise fund deposits. This kind of deposit is gradually accumulated in the process of reproduction, with special fund and strong stability.