...上所述，美国利率市场化的过程从大额存单开始，后通过自动转账服务（ATS）账户、小额储蓄存单、NOW账户、货币市场储蓄账户(MMDA)，从长期到短期，首先将利率的上限随相应期限的国债利率波动，最终实现存款利率上限的废除，并不断降低账户最低金额的限制。
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实际上，绝大部分银行对储蓄存款，定期大额储蓄存款和某几种类型的货币市场账户根本上就没有准备金。
In fact, most Banks have no reserve requirements at all on savings deposits, CDs and certain kinds of money market accounts.
不要把这些钱塞在床垫下，把它存到高利率的网上储蓄账户、某种定期存款或某种货币市场账户。
Don't just sock away this money under your mattress; put it in a high-interest online savings account, a certificate of deposit or a money market account.
M2包括了M1，再加上了支票帐户、储蓄账户、货币市场账户、存款证书等，目前大约为八万五千亿美元。
M2, includes M1, which consists of checking accounts, savings accounts, money market accounts, CDs, etc. M2 amounts to about $8.5 trillion.
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