存款證
Instruments like savings accounts and certificates of deposit pay a small rate of interest. They carry little risk.
像儲蓄賬戶和存款證這樣工具支付的利息很低，他們承擔的風險也很小。
When compared with savings investments (like bonds or bank certificates of deposit) stocks have the potential to earn more money -- but they also carry the risk of loss.
和儲蓄投資(比如債券或銀行存單)相比，股票有潛力去賺更多的錢—-但是他們也有損失的風險。
Judy Taylor continues talking with the New Accounts clerk about Time Certificates of Deposit.
裘德·泰勒與負責新開帳戶的職員繼續談論有關定期存單的事。
This fund should be kept in safe and easy-to-tap assets. Laddering certificates of deposit out six months is one way.
這筆錢應該放在安全且容易變現的資産中。存入六個月的階梯式定期存款是一種方法。
The Fed also is moving forward on a plan to let banks set up the equivalent of certificates of deposit at the central bank.
美聯儲還在制定一個計劃讓銀行在中央銀行建立一個同存款憑證一樣的等價物。
This reduces your monthly payment, and you can invest the savings in mutual funds, stocks, or CDs (Certificates of Deposit).
這會減少你每月的支出，你就能省下錢投資互惠基金、股票或存款單。
Judy Taylor continues talking with the New Accounts clerkabout Time Certificates of Deposit.
裘德·泰勒與負責新開帳戶的職員繼續談論有關定期存單的事。
That's why we encourage our clients to select the terms and balances carefully before they commit themselves to Time Certificates of Deposit.
這就是為什麼我們希望顧客在承諾定期存款之前，應認真地選擇存款期限和存款額。
International accounts cannot purchase mutual funds, but can purchase options, certificates of deposit and bonds.
國際帳戶目前不能交易共同基金，但是期權、定期存單和債券皆可交易。
Yes, that's right . That's why we encourage our clients to select the terms and balances carefully before they commit themselves to Time Certificates of Deposit.
是這樣的。這就是為什麼我們希望顧客在承諾定期存款之前，應認真地選擇存款期限和存款額。
Banks are also considering issuing certificates of deposit or restricted loan notes.
銀行也在考慮發放存折或限制性貸款證。
The maturity of certificates of deposit varies from two weeks to five years or even ten years.
存單的到期期限從兩周到五年甚至十年不等。
We offer time certificates of deposit. It pays a higher rate of interest than regular deposits do.
我們提供的定期存款，它的利率比一般的儲蓄利率要高。
EverBank, for example, offers short-term certificates of deposit denominated in baskets of foreign currencies.
例如美國多元化金融服務公司EverBank就提供以一籃子外彙計價的短期存單。
For example, can use the existing housing finance or certificate holders of certificates of deposit financing.
例如，可以使用現有的住房融資或證書持有人的存單融資。
Yes. We offer time certificates of deposit. It pays a higher rate of interest than regular deposits do.
好。我們提供的定期存款，它的利率比一般的儲蓄利率要高。
A brochure that provides a ****** introduction to the main services offered by banks and credit unions, including checking accounts, savings accounts, certificates of deposit and debit cards.
本文簡介各銀行及信貸會提供的主要服務，包括：支票戶口、儲蓄戶口、定期存款以及銀行現金卡。
While cash was king for much of 2007, yields on instruments such as money-market accounts and certificates of deposit have dropped along with short-term interest rates.
由于2007年大多數時候都是“現金為王”，貨币市場和儲蓄存款市場都隨着短期利率的下降而下降了。
大額存單（Certificates of Deposit, 簡稱CDs） 是由銀行或其他存款類金融機構向投資者發行的、具有固定面額、固定期限、可以轉讓的存款憑證。它是一種定期存款工具，投資者在存入資金時約定存款期限和利率，到期後銀行一次性還本付息。來源：中國人民銀行《大額存單管理暫行辦法》
大額存單作為低風險固定收益工具，通過犧牲部分流動性換取高于活期存款的收益，是資産配置中保值增值的重要選項。投資者需綜合考量期限匹配性、銀行信用資質及通脹預期進行配置決策。
certificates of deposit（簡稱CD）是金融領域常見術語，以下是詳細解釋：
指銀行發行的定期存款憑證，屬于債務工具。持有者将資金存入銀行固定期限（如3個月至5年），銀行支付約定利息，到期返還本金。
需注意與deposit certificate（存款證明）區分：後者是證明賬戶餘額的文件，常用于簽證、留學等場景，不具備投資屬性。
可通過銀行櫃台或電子渠道購買，具體産品條款需參考發行機構說明。
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