If you knew that you could keep your money in the bank for a certain period of time, you could get a higher interest rate by buying a savings certificate. 如果你确定自己的钱将会在银行存比较长的时间,你可以买一张储蓄单据,这样得到的利息就比较高。
In addition, the central bank can pay interest on the reserves held by banks with the Fed, and offer term deposits a measure equivalent to a certificate of deposit for banks to constrain credit growth. 另外,美联储可以通过向银行放在央行的准备金支付利息以及提供定期存款安排来限制信贷增长。定期存款安排相当于一种面向银行的存款单。