存款性金融机构，是指通过吸收各种存款而获得可利用资金，并将之贷给需要资金的各经济主体及投资于证券等以获取收益的金融机构。存款性金融机构是金融市场的重要中介，也是套期保值和套利的重要主体。其主要类型包括：储蓄机构、信用合作社和商业银行。
金融机构恐慌理论认为存款人的行为是引起存款性金融机构不稳定的关键因素，金融机构危机所具有的传染性同样不可忽视。
The depositor's behavior is the key factor that causes the financial institution dealing with the deposit unstable in the panic theory. The financial risk contagiosity can't be ignored too.
存款准备金制度具有调整信贷结构、调控货币供应量、保证金融机构的储备流动性等重要作用。
Deposit preparing money system plays an important part in adjusting credit structure, regulating currency supplies, ensuring storage mobility of finance institution.
金融机构超额准备金账户占其存款总额的比例叫做超额储备金率，它是非强制性的。
The proportion that financial institutions' excess reserve accounts for its total deposits is excess reserve ratio which is non-compulsory.
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