demand deposit的音標為[d??mɑ?nd ?dep?t]，基本翻譯為“活期存款”，速記技巧為：d-m-a-n-d，d-m-e-t，deposit的發音和deposit相似。

Demand deposit這個詞源自拉丁語depositum，意為“存放”。它的變化形式包括名詞的復數形式deposits，過去分詞形式deponite，現在分詞形式depositing。

相關單詞：

1. Deposit（存款）：這個詞直接源自depositum，意為“存放”。在金融領域中，它通常指的是客戶存入銀行的錢或物。

2. Deposit account（存款賬戶）：這個詞是由deposit和account兩個詞組成的合成詞，意為“存款賬戶”。

3. Overdraft（透支）：這個詞的意思是“透支”，它是由deposit的反義詞表示的。當存款不足以支付賬戶上的支出時，銀行可能會允許客戶透支。

4. Withdrawal（取款）：這個詞意為“取款”，它與deposit相反，表示從銀行賬戶中取出錢。

5. Over-deposit（超額存款）：這個詞的意思是“超額存款”，指的是存款超過正常水平的情況。

6. Reconcile（對賬）：這個詞意為“對賬”，它與deposit和withdrawal等詞有關，用于核對銀行賬戶中的余額。

7. Deposit guarantee（存款擔保）：這個詞的意思是“存款擔?！保糜诒ＷC存款人的利益。

8. Deposit insurance（存款保險）：這個詞意為“存款保險”，是一種保護存款人免受銀行破產損失的制度。

9. Deposit rate（存款利率）：這個詞的意思是“存款利率”，是銀行向存款人支付的利息率。

10. Pre-deposit（預存款）：這個詞的意思是“預存款”，通常用于支付服務費用或定金。

常用短語：

1. demand deposit account

2. demand deposit certificate

3. demand deposit fund

4. demand deposit insurance

5. demand deposit rate

6. demand deposit refund

7. demand deposit withdrawal

例句：

1. I have a demand deposit account at the local bank.

2. The bank issued a demand deposit certificate for me.

3. The government has increased the demand deposit rate to encourage savings.

4. The insurance company will pay a refund of my demand deposit if it is damaged.

5. I withdrew some money from my demand deposit account today.

6. The bank is unable to process my demand deposit withdrawal because of technical difficulties.

英文小作文：

Title: The Importance of Demand Deposit

Demand deposit, which is a type of financial instrument, plays a crucial role in our daily lives. It is a method of payment that allows us to access our funds quickly and easily, without the need for physical cash or checks. It is a convenient and secure way to manage our finances, especially when we need to make immediate payments or withdrawals.

In addition to its convenience, demand deposit also offers several benefits. Firstly, it provides us with a stable source of income, as interest rates are usually higher than those offered by savings accounts or term deposits. Secondly, it allows us to diversify our investments, as we can use our funds to invest in various financial products such as stocks, bonds, and mutual funds. Lastly, demand deposit is a safe and reliable way to safeguard our assets, as it is insured by the government and subject to strict regulatory controls.

In conclusion, demand deposit is an essential component of modern financial systems and should be considered as an integral part of our financial planning. By understanding its benefits and risks, we can make informed decisions about how to manage our finances effectively and securely.