After a period of time , the money comes back to the bank with interest some of which they , in turn , pay to depositors 过了段一进间，这些钱连本带息返回银行，其中一部分用来支付存户的利息。
The continued shift to demand and savings deposits from time deposits in part reflected the decrease in interest rates 存户将定期存款转为往来和储蓄存款的趋势持续，部分反映利率下调的影响。
For example , banks and their depositors might be tempted to take bigger risks in the knowledge that they are insured 举例来说，若银行及其存户知道存款受保险保障，可能会试图承受较大的风险。
The important thing here is that when banks do make losses , the interests of their depositors are adequately protected 但最重要的一点是，即使银行出现亏损，存户的利益是仍然受到适当的保障。
Whether banks choose to absorb the cost or pass it on to depositors will depend on the competitive environment 至于银行会否选择承担这些费用，抑或将之转嫁给存户，则视乎银行业的竞争环境而定。
For example , banks and their depositors might be tempted to take bigger risks in the knowledge that they are insured 举例来说，若银行及其存户知道存款受保险保障，可能会试图承受较大的风险。
Participating banks may offer to holders of rmb deposit accounts a service for converting rmb into hong kong dollars and vice versa 参加行可为存户办理人民币与港币的兑换，每人每天可兑换不超过等值
Improved sentiment in the stock and property markets might also have induced some depositors to place deposits at the shorter end 此外，股票和物业市场气氛有所改善，亦可能令存户将资金转作短期存款。
In practice , however , competition for deposits will mean that deposit interest rates offered will probably be close to the caps 但鉴于银行要吸引存户互相竞争，实际的存款利率很可能会与限定水平很接近。
Improved sentiment in stock and property markets might also have induced some depositors to place deposits at the shorter end 此外，股票和物业市场气氛有所改善，亦可能令部分存户将资金转作较短期存款。
