| 单词 | Deposit receipt |
| 释义 | 存單／存款收據 An advice issued by a bank to its customer stating that a deposit of a certain amount was made at the bank for an agreed period and at a specific rate of interest. If such a deposit is to be renewed automatically until further instruction, the bank issues an ‘advice of deposit’ to its customer. The terms of the time deposit will govern if the customer wishes to withdraw without waiting for the expiry of the notice period. Although the customer does not necessarily have the right to break the deposit contract, nearly all banks in Hong Kong allow their customers to withdraw before the deposit maturity date provided the deposit is not substantially high and the deposit interest is totally forfeited. However, in the Asian financial crisis in 1997 some banks did not allow their depositors to withdraw the deposit before it matured. See also Bank. 由銀行向客戶發出的通知書，從中述明已就議定的期限及特定的利率向銀行存入若干款額的存款。如此等存款需要進一步的指示才能夠自動續存，則有關銀行會向其客戶發出「存款通知書」。如客戶欲在通知期間屆滿之前提款，則會受到定期存款的條件規管。儘管客戶並非必定有終止存款合約的權利，幾乎所有香港銀行均准予其客戶在存款到期日之前提款，但有關的存款額不得為巨額存款，此外全部存款利息均會被沒收。但在1997年的亞洲金融危機中，某些銀行不允許其存戶在存款到期日前提款。另見 Bank。 |
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