中文：

定期存款是指存款用户在银行或其他金融机构选择一定的存款期限，然后将资金存入其中，并在存款期限结束后提取本金和利息的一种存款方式。它是银行最主要的负债来源之一，也是人们重要的储蓄手段。

定期存款的最大特点是其稳定性。由于存款期限固定，利率也相对固定，因此定期存款的收益是比较稳定的，风险也比较低。此外，定期存款还具有高信用度，因为银行等金融机构通常具有较高的信用评级，所以定期存款也被认为是一种相对安全的投资方式。

定期存款的种类有很多，包括整存整取、零存整取、整存零取、存本取息等。其中整存整取是最常见的一种，它是指存款时选择一定的存款期限，然后一次性存入本金，在存款期限结束后一次性提取本金和利息。

总的来说，定期存款是一种稳定的储蓄方式，能够为人们提供一定的理财收益，同时也具有较低的风险。对于那些希望保值增值的人来说，定期存款是一种不错的选择。

英文：

Time deposit refers to a deposit method where depositors deposit funds in banks or other financial institutions for a certain deposit period, and then withdraw the principal and interest at the end of the deposit period. It is one of the main sources of liabilities for banks and an important means of saving for people.

The biggest feature of time deposit is its stability. Due to the fixed deposit period and relatively fixed interest rate, the returns of time deposit are relatively stable, and the risk is relatively low. In addition, time deposit has high creditworthiness because banks and other financial institutions usually have high credit ratings, so time deposit is also considered as a relatively safe investment method.

There are many types of time deposits, including whole deposits and withdrawals, deposits and withdrawals with partial principal, whole deposits with partial withdrawals, principal-withdrawal interest-only accounts, etc. Among them, whole deposits and withdrawals are the most common, which means depositors choose a certain deposit period, deposit the principal in one go, and withdraw the principal and interest in one go at the end of the deposit period.

Overall, time deposit is a stable saving method that can provide people with certain investment returns and relatively low risks. It is a good choice for those who want to maintain value.