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deposit

預金　—　Institutions

Money deposited in a bank. On the ledger, it is a debt the bank owes to you.

One Deutsche Mark note (1948 series) One Deutsche Mark note (1948 series)1948
A photograph of the real thing this term names.

Your own metal is not sitting dormant in a vault. A deposit is a liability for the bank, and it can also be created by being written into a borrower's account when a loan is made. That is why a bank run occurs when everyone demands their money back at the same time.