存款准备金是指和资金清算需要而准备的在中央银行的存款，中央银行要求的存款准备金占其存款总额的比例就是存款准备金率。准备金本来是为了保证支付的，但它却带来了一个意想不到的“副产品”，就是制约了商业银行创造货币的职能，可以影响金融机构的信贷扩张能力，从而间接调控货币供应量。现已成为中央银行货币政策的重要工具，是传统的三大货币政策工具之一。
它声明你必须在中央银行这里，付保证金，要不那样做，要不就在金库中存钱，并且表明你把它作为，存款中的储备金。
It says that you have to keep deposits with us here at the central bank; either that or else keep vault cash and show that you have it as reserves for your deposits.
客户保证金与商业银行客户存款不同，不发生使用权的转移，证券公司无权使用该资金。
The difference between bails and savings is to have no transeor of right of use and no right to use the bail for stock company.
保证金存款应优先满足当事人约定的特定用途和担保目的，从而产生对抗第三人的法律效力。
Security deposit differs from ordinary deposit in usage and purpose which should first serve the purpose and specific use of parties involved, free from third parties.
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