demand deposit

demand deposit的音标为[dɪˈmɑːnd ˈdepɪt]，基本翻译为“活期存款”，速记技巧为：d-m-a-n-d，d-m-e-t，deposit的发音和deposit相似。

Demand deposit这个词源自拉丁语depositum，意为“存放”。它的变化形式包括名词的复数形式deposits，过去分词形式deponite，现在分词形式depositing。

相关单词：

1. Deposit（存款）：这个词直接源自depositum，意为“存放”。在金融领域中，它通常指的是客户存入银行的钱或物。

2. Deposit account（存款账户）：这个词是由deposit和account两个词组成的合成词，意为“存款账户”。

3. Overdraft（透支）：这个词的意思是“透支”，它是由deposit的反义词表示的。当存款不足以支付账户上的支出时，银行可能会允许客户透支。

4. Withdrawal（取款）：这个词意为“取款”，它与deposit相反，表示从银行账户中取出钱。

5. Over-deposit（超额存款）：这个词的意思是“超额存款”，指的是存款超过正常水平的情况。

6. Reconcile（对账）：这个词意为“对账”，它与deposit和withdrawal等词有关，用于核对银行账户中的余额。

7. Deposit guarantee（存款担保）：这个词的意思是“存款担保”，用于保证存款人的利益。

8. Deposit insurance（存款保险）：这个词意为“存款保险”，是一种保护存款人免受银行破产损失的制度。

9. Deposit rate（存款利率）：这个词的意思是“存款利率”，是银行向存款人支付的利息率。

10. Pre-deposit（预存款）：这个词的意思是“预存款”，通常用于支付服务费用或定金。

常用短语：

1. demand deposit account

2. demand deposit certificate

3. demand deposit fund

4. demand deposit insurance

5. demand deposit rate

6. demand deposit refund

7. demand deposit withdrawal

例句：

1. I have a demand deposit account at the local bank.

2. The bank issued a demand deposit certificate for me.

3. The government has increased the demand deposit rate to encourage savings.

4. The insurance company will pay a refund of my demand deposit if it is damaged.

5. I withdrew some money from my demand deposit account today.

6. The bank is unable to process my demand deposit withdrawal because of technical difficulties.

英文小作文：

Title: The Importance of Demand Deposit

Demand deposit, which is a type of financial instrument, plays a crucial role in our daily lives. It is a method of payment that allows us to access our funds quickly and easily, without the need for physical cash or checks. It is a convenient and secure way to manage our finances, especially when we need to make immediate payments or withdrawals.

In addition to its convenience, demand deposit also offers several benefits. Firstly, it provides us with a stable source of income, as interest rates are usually higher than those offered by savings accounts or term deposits. Secondly, it allows us to diversify our investments, as we can use our funds to invest in various financial products such as stocks, bonds, and mutual funds. Lastly, demand deposit is a safe and reliable way to safeguard our assets, as it is insured by the government and subject to strict regulatory controls.

In conclusion, demand deposit is an essential component of modern financial systems and should be considered as an integral part of our financial planning. By understanding its benefits and risks, we can make informed decisions about how to manage our finances effectively and securely.