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deposit

The deposit business of financial company mainly includes: current deposit, fixed deposit, call deposit and agreement deposit. Current deposit refers to the general settlement account opened by a member company in a financial company, where the deposit period is not specified, the unit can transfer, deposit and withdraw at any time, and the interest is calculated quarterly according to the current deposit interest rate; Fixed deposit refers to the deposit in which the member company deposits funds in the fixed account opened by the financial company. Both parties agree on the deposit period and interest rate in advance, and withdraw the principal and interest after maturity. If the member company needs funds temporarily, it can withdraw in advance or partially in advance; Call deposit refers to the deposit that the member company does not agree on the withdrawal time when depositing money in the notice account. When withdrawing, it needs to inform the financial company in advance to agree on the withdrawal date and amount of deposit; The agreement deposit refers to a kind of deposit in which the member units agree on the time limit and the basic deposit amount to be retained in the settlement account by signing the agreement deposit contract with the financial company. The interest of the deposits within the basic deposit limit shall be calculated according to the current deposit interest rate on the interest settlement date or withdrawal date, and the deposit exceeding the basic deposit limit shall pay the interest according to the agreed deposit interest rate.