Other units have no right to issue.

"Certificate of deposit" refers to the nature, amount and date of deposit deposited by banks with depositors. Factors such as the term of deposit issued by the certificate. Therefore, only banks are eligible to issue certificates of deposit, and no other unit or institution has the right to issue certificates of deposit;

Can't fake

There is a verb involved here-"Nong". This vague word is mysterious. It can generally be understood as "making one yourself"-that is, making a fake. This is absolutely not allowed.

Loan settlement

For those countries whose target countries are Australia or New Zealand, these countries don't need much historical records of funds. We can solve this problem in an appropriate way: first, borrow loans from banks, and banks can issue deposit certificates for those who rely on loans.