2. Ordinary deposits: Deposits refer to the funds or currencies that depositors temporarily transfer or deposit in banks or other financial institutions, or temporarily transfer the right to use them to banks or other financial institutions, which is the most basic and important financial behavior or activity and the most important source of credit funds for banks.
3. The difference between the two: Trust deposit is the funds absorbed and managed by trust institutions for specific purposes according to the requirements of clients, and it is an important source of funds for trust institutions to operate their business. Compared with ordinary bank deposits, trust deposits have the characteristics of longer deposit period, larger amount, higher interest rate, limited use and inability to withdraw the principal at will. According to different purposes, trust deposits include entrusted loan deposits, entrusted investment deposits, unit trust deposits, public welfare fund trust deposits, labor insurance fund trust deposits, personal special trust deposits and so on. Trust deposits are generally divided into ordinary trust deposits and special trust deposits. Its interest rate consists of two parts: (1) agreed principal-guaranteed interest rate. This part of the interest rate is the same as the fixed interest rate of bank deposits, which is paid by the financial trust department according to the regulations; (2) Dividends. This is paid by the financial trust department after the final accounts of the fiscal year according to the actual use of trust funds of various units.