What is the significance of deposit to our bank?

Deposits precede loans. Without deposit, there is no loan, and deposit is the premise of loan.

Bank deposits and loans interact with each other. Deposits are the main source of funds for banks, and the scale of deposits restricts the scale of loans. Loans can also create deposits. The loan from Bank A may form a deposit in Bank A, or it may form a deposit in Bank B through payment, which can generate new loans.

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In terms of time, deposits are earlier than banks. In the Tang Dynasty, a special counter for receiving and keeping money appeared in China, where depositors could withdraw money with "stickers" similar to checks or other tokens.

Money changers in medieval Europe also accepted customers' deposits, which belonged to the nature of currency custody and did not pay interest, which was the bud of foreign bank deposit business. With the emergence of banks and other financial institutions, the deposit business of banks has developed rapidly.

Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits and fixed deposits, and according to different depositors, it can be divided into unit deposits and personal deposits (taking China as an example). Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks.