RMB balance refers to the actual total amount in the bank card account, and RMB available balance refers to the actual available balance in the account. The balance of RMB deposits refers to the sum of RMB deposits in banks and other financial institutions as of a certain time, including savings and corporate demand deposits, time deposits, interbank deposits and deposits with the central bank.

The minimum deposit balance refers to the low-interest or interest-free deposits deposited by enterprises in banks. Bank loans to enterprises are often attached conditions, and the minimum deposit balance generally accounts for 2%-5% of the loan amount. The minimum deposit balance does not calculate interest, which increases the actual interest that banks get from revolving loans.

The average daily deposit balance refers to the sum of the average daily deposit balance of the same account divided by the number of days in the statistical period, that is, the average daily deposit balance in the statistical period. For example, add up the daily balance of one year and divide it by 365.

The balance of savings deposits refers to the total amount of local (RMB) and foreign currency savings deposits of urban and rural residents in banks and other financial institutions at a certain time. It includes both RMB savings deposits of urban and rural residents and their various foreign currency savings deposits. It includes both urban residents and rural residents, which is a large-scale concept.