fractional (deposit) banking

例句：

1. 1. The bank offersa fractional deposit account that allows you to save small amounts of money at a time.
   这家银行提供一种分利存款账户，允许你每次存少量钱。
2. 2.This fractional banking model is designed to attract customers with smaller savings.
   这种分利银行模式旨在吸引那些有较小储蓄的客户。
3. 3. The fractional banking system has been criticized for its high fees and lack of transparency.
   分利银行系统因其高昂的费用和缺乏透明度而受到批评。