The Chinese word 存款 (cúnkuǎn), meaning "deposit" or "savings", is a compound word formed through a straightforward verb-object grammatical relationship. It combines the character 存 (cún), meaning "to store" or "to save", with the character 款 (kuǎn), meaning "funds" or "a sum of money". Literally, the term describes the action of storing funds, where "存" acts as the verb (to deposit) and "款" acts as the noun object (the money). This logical and semantic combination efficiently creates a specific financial term from two common, meaningful components.