中文：

定期转存是指银行定期存款的一种自动转存服务。如果存款到期后，存款人没有前往银行进行手动转存，则银行会自动将本息合计金额作为本金再存为一笔定期存款。这种服务可以让存款人在不需要手动转存的情况下，享受到更高的利息收益。

定期转存的好处在于，存款可以自动续存，避免了因忘记转存而造成利息损失的情况。此外，定期转存可以增加储蓄的收益，因为银行通常会给长期存款更高的利率。但是，如果需要提前支取，则会按照活期存款的利率来计算利息，可能会造成一定的利息损失。

定期转存的灵活性相对较低，因为一旦选择了转存的期限，就不能随意支取。此外，如果需要更改转存的期限或者取消转存，则需要前往银行进行办理，比较麻烦。因此，在选择定期转存时，需要根据自己的实际情况进行选择，并考虑好自己的资金使用计划。

英文：

Fixed-term deposit refers to a type of automatic deposit service for bank fixed-term deposits. If the depositor does not go to the bank for manual deposit after the deposit matures, the bank will automatically deposit the total amount of principal and interest as the principal for another fixed-term deposit. This service allows depositors to enjoy higher interest income without the need for manual deposit.

The advantages of fixed-term deposit are that the deposit can be automatically renewed, avoiding the loss of interest caused by forgetting to make the deposit. In addition, fixed-term deposit can increase savings returns, because the bank usually gives higher interest rates for long-term deposits. However, if the deposit needs to be withdrawn early, it will be calculated at the interest rate of demand deposit, which may cause some loss of interest.

The flexibility of fixed-term deposit is relatively low, because once the term of deposit is chosen, it cannot be withdrawn at will. In addition, if you need to change the term of deposit or cancel the deposit, you need to go to the bank to apply, which is troublesome. Therefore, when choosing fixed-term deposit, you need to choose according to your actual situation and consider your own financial plan.