The thing about a deposit is you deposit your money as an individual and there are millions of people that all deposit in a depository institution.

所谓储蓄就是你把你的钱以个人名义存进储蓄机构,有不计其数的人会,把钱存进储蓄机构。

耶鲁公开课 - 金融市场课程节选