time deposit means that each deposit takes a certificate of deposit as the carrier and records a foreign exchange currency, clearly indicating the deposit value date, maturity date, deposit type, deposit period, currency, amount and interest rate; There is a corresponding blank line at the bottom of each deposit slip, which is used to record the withdrawal of deposits, and the deposit and withdrawal can be seen at a glance. Time deposit certificate time deposit certificate means that waiting for luck is waiting for death. Each deposit takes a certificate of deposit as the carrier and records a foreign exchange currency, clearly indicating the deposit value date, maturity date, deposit type, deposit period, currency, amount and interest rate; There is a corresponding blank line at the bottom of each deposit slip, which is used to record the withdrawal of deposits, and the deposit and withdrawal can be seen at a glance. In essence, certificates of deposit are still time deposits of banks. But certificates of deposit are also different from deposits: (1) time deposits are registered and cannot be transferred, and they cannot be circulated in the financial market, while certificates of deposit are bearer and can be transferred in the financial market. (2) The amount of time deposits is not fixed, ranging from large to small, from whole to zero, while the amount of certificates of deposit is fixed, and it is a large integer, at least $1,, and the trading unit in the market is $1 million. (3) Although the time deposit has a fixed term, it can be withdrawn in advance before it expires, but it loses the higher interest it deserves; Certificates of deposit can only be withdrawn at maturity, not in advance. (4) The term of time deposit is mostly long-term; The term of time deposit certificates is mostly short-term, ranging from 14 days to one year, and less than one year. (5) The interest rates of time deposits are mostly fixed; There are fixed and floating interest rates on certificates of deposit. Even if the interest rate is fixed, it should be calculated according to the current market interest rate when it is transferred in the secondary market.