【中文版】

个人存款业务是银行的一项重要业务，指的是银行吸收个人客户的存款，并支付利息的一种业务。它是银行最基础的业务之一，也是其他银行业务发展的基础。

个人存款业务具有广泛的社会性和普及性，它不仅为个人客户提供了一个安全、可靠的资金存放渠道，同时也为银行提供了稳定的资金来源。个人存款业务包括活期存款、定期存款、通知存款和储蓄存款等形式。

活期存款是一种随时存取的存款方式，客户可以随时存入或取出资金，银行按照存款余额支付利息。定期存款是一种约定存期的存款方式，客户在存入资金时约定一个存期，到期后可以一次性支取本金和利息。通知存款是一种需要在支取前通知银行的存款方式，通常用于短期闲置资金。储蓄存款是一种长期稳定的存款方式，银行通常会给予较高的利率。

个人存款业务的意义在于，它不仅可以帮助个人客户实现资金的保值增值，同时也为银行提供了重要的资金来源，支持了银行的各项业务发展。随着经济的发展和人们理财观念的转变，个人存款业务也将不断创新和发展，为人们提供更加多样化的金融服务。

【英文版】

Personal deposit business is an important service offered by banks, which refers to the bank's absorption of personal customer deposits and the payment of interest. It is one of the most basic banking businesses and the basis for the development of other banking businesses.

Personal deposit business has a wide social and popular character. It not only provides a safe and reliable channel for personal customers to deposit their funds, but also provides a stable source of funds for banks. Personal deposit business includes forms such as demand deposits, time deposits, call deposits, and savings deposits.

Demand deposits can be withdrawn or deposited at any time. Customers can deposit or withdraw funds at any time, and banks pay interest based on the balance. Time deposits are a way to deposit funds for a certain period of time, which can be withdrawn in one lump sum upon expiration. Call deposits require notification to the bank before withdrawal, usually used for short-term idle funds. Savings deposits are long-term stable deposits, usually with higher interest rates.

The significance of personal deposit business lies in that it not only helps personal customers achieve the value of their funds, but also provides important sources of funds for banks to support various banking businesses. With the development of the economy and changes in people's financial concepts, personal deposit business will also continue to innovate and develop to provide more diverse financial services.