定期储蓄存款是约定存期，一次或分次存入，一次或多次取出本金或利息的一种储蓄。定期储蓄存款存期越长利率越高。
零存整取定期储蓄存款逐月存储，存款金额固定，适合有固定收入的储户。
Such deposit is deposited monthly with a certain amount of deposit, and suitable for depositors with fixed income.
其资金主要来源于成本较高的定期储蓄存款； 经营结果表现为资产质量低，不良资产比例高，经营亏损严重。
Their capital mainly comes from high-cost time deposit, which results in poor quality of assets, high rates of adversely classified credits and heavy losses.
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.
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