Accumulation and double deposit -

Japanese: 歩積･両建預金 - ぶづみりょうだてよきん

A general term for restricted deposits created in connection with loans and bill discounting made by financial institutions to their customers. Restricted deposits are deposits accepted from debtors that are restricted by the financial institution so that the debtor cannot freely withdraw them. Commission deposits are created at a certain percentage when discounting bills or lending against commercial bills. In addition, when a financial institution makes a loan and forces a customer to deposit a portion of the loan amount, or when a customer tries to raise funds by withdrawing their deposit and the financial institution meets the customer's financial needs by lending in place of the withdrawal of the deposit, these deposits are called double-deposits.

Source: Heibonsha World Encyclopedia, 2nd Edition Information

Japanese:

金融機関の顧客に対する貸付けおよび手形割引に関連して作成される拘束性預金の総称。拘束性預金とは，債務者から受け入れた預金のうち，債務者が自由に払い戻すことができないように金融機関が拘束している預金のことをいう。手形割引，商業手形担保の貸付けに際し，その一定割合によって作成されるものを歩積預金という。また，金融機関が貸出しを行う際に，その貸付金の一部を強制的に預金させる場合，あるいは顧客が預金の引出しにより資金調達をしようとする際に，預金引出しの代りに金融機関が貸出しによって顧客の資金需要にこたえる場合，これらの預金を両建預金という。

出典　株式会社平凡社世界大百科事典第２版について　情報

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