The difference between Jiujiang Bank’s fixed deposits are lump sum deposits, lump sum withdrawals and pledges are in different methods. Bank deposit pledge refers to a credit business method in which the borrower pledges unexpired personal local and foreign currency time savings deposit certificates issued by the bank and other banks, obtains a certain amount of loan from the bank, and repays the principal and interest of the loan on schedule. Lump-sum deposits and withdrawals refer to a deposit method in which the deposit period is agreed upon when opening an account, a one-time deposit is made, and the principal and interest are withdrawn in one go upon maturity. Therefore, the difference between Jiujiang Bank's time deposits, lump deposits, withdrawals and pledges is the different methods.