cds的基本机构包括

这是一个美国金融产品,中国目前还没有的,所以给你英文解释:

Certificate of Deposit - CD
A savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified interest rate and can be issued in any denomination. CDs are generally issued by commercial banks.

Notes:
Technically, a certificate of deposit is a promissory note on which the maker is a bank.

CDs under $100,000 are called "small CDs" CDs for more than $100,000 are called "large CDs" or "jumbo CDs". Almost all large CDs, as well as some small CDs, are negotiable.