什么是人民币存款？

中文

人民币存款，是指在中国境内，以人民币为记账单位，由银行或其他金融机构接受公众存款并承诺支付相应利息的金融活动。它是我国金融体系中最基本、最核心的组成部分之一，对于维护金融稳定、促进经济发展具有重要意义。

人民币存款的种类繁多，根据存款期限、利率、存取方式等不同特点，可分为活期存款、定期存款、零存整取存款、通知存款等多种类型。其中，活期存款是指存款人可以随时存取、不受时间限制的存款；定期存款则是指存款人按照约定的期限存入一定金额，到期后可以取得本金和利息的存款。

人民币存款的安全性得到了国家法律和制度的保障。我国实行存款保险制度，即银行或其他金融机构在吸收公众存款时，需要向存款保险机构缴纳保险费，一旦银行出现风险，存款保险机构可以向存款人支付一定比例的保险金，保障存款人的合法权益。

英文

Renminbi deposit refers to a financial activity where banks or other financial institutions accept deposits from the public in Chinese currency (Renminbi) as the accounting unit and promise to pay corresponding interest. It is one of the most basic and core components of China's financial system, playing a significant role in maintaining financial stability and promoting economic development.

There are various types of Renminbi deposits, which can be classified into demand deposits, time deposits, zero-coupon deposits, callable deposits, and more, based on different characteristics such as deposit term, interest rate, and access methods. Among them, demand deposits allow depositors to withdraw their money at any time without time restrictions, while time deposits require depositors to deposit a certain amount for a pre-agreed period and can earn interest upon maturity.

The safety of Renminbi deposits is guaranteed by national laws and regulations. China implements a deposit insurance system, where banks or other financial institutions are required to pay insurance premiums to the deposit insurance agency when accepting public deposits. In case of bank risk, the deposit insurance agency can pay a certain proportion of insurance benefits to depositors, protecting their legitimate rights and interests.