按期存款常用到的英语
目前在大家的身边到处都有金融，那样你会金融的英语句子吗，今天我们就给大伙看看金融英语，期望能帮助到大伙。
金融英语：按期存款
Judy Taylor continues talking with the New Accounts clerk about Time Certificates of Deposit.
裘德泰勒与负责新开帐户的员工继续谈论有关按期存单的事。
Taylor:What if I need the money for an emergency before the certificate matures?Can I get it out ,then ?
泰勒：倘若在存款到期之前，我为应对紧急状况，需要用那笔钱该如何解决?那时能否把款取出来?
Clerk:Yes,of course ,you may withdraw your funds by cashing in your certificate before the maturity date if this becomes necessary .
员工：当然可以。假如需要的话，你可以在存单的到期之前取你你存单中的现金。
But ,in this case ,you would not receive the stated interest return.
但，在这样的情况下，你不可以获得原定利息，
The high rates of return that are offered are valid only if the certificate is maintained for the full length of the contracted period.
只有当存单到期，所提供的高利率才能生效。
T:You mean I would lose all my interest?
泰勒：你的意思是说，我会失去所有些利息?
C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .
员工：不，不是全部的，我行会考虑到你的需要将你的存单兑现。因为你提前取款，大家要依据当时牌价标准付给你利息。
T;How much is that rate?
泰勒：那样利率应是多少呢?
C:I cant give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.
员工：我不可能给你一个确切数子，泰勒小姐，由于它是伴随一般存款利率而浮动的。
As you know ,our regular savings rate changes periodically in accordance with the interest earnings rate allowed for commercial banks .
你了解，大家的通常存款利率是根据商业银行所允许的利率按期性的变化。
That rate is posted on the bulletin board in the lobby as required by bank rules .
接照银行的规定，所说的这个比率表就贴在大厅里布告板上。
T:So,you mean that I would be subject to a penalty if I had to cash in the certificates before the date they mature .
泰勒：那样你是说，假如我在按期存单到期日之前不能不兑现的话，我就要为此而遭到罚款。
C:Yes,thats right .Thats why we encourage our clients to select the terms and balances carefully before they commit themselves to Time Certificates of Deposit.
员工：是如此的。这就是为何大家期望客户在承诺按期存款之前，应认真地选择存款期限和存款额。
金融英语：开立储蓄帐户
Henry Samson is asking a clerk at the First National Bank about opening a regular savings account.
亨利萨姆森在第一国民银行向一个员工询问有关开立一般储蓄帐户事宜。
Clerk:May I help you ,sir?
员工：我能为你做些什么吗?先生?
Samson:Yes,please .Id like to open a savings account .Can you give me some information?
萨姆森：谢谢，我想开立一个储蓄帐户。请你和我谈谈这方面的事，怎么样?
C:Yes,Id be happy to help you .We call our regular savings account plan passbook savings.
员工：好的，我非常乐意为你服务。大家把大家的银行的一般储蓄帐户称为银行存折储蓄。
You may open an account in your name only ,or a joint account with your wife.
你可以只用你我们的名字开立帐户，也可以与你的老婆开立一同帐户。
There is no minimum balance ,and you may make deposits or withdrawals at any time .
大家这里没存款最小余额的限制，而且可随时存款或取款。
S:Do I earn interest on the account ?
萨姆森：我能从帐户上得到利息吗?
C:Yes,we pay the highest interest rate permitted for commercial banks .
员工：可以的。大家这里支付商业银行所允许的最高利率。
We credit the earned interest to your account automatically every quarter.
每一个季度，大家会自动地把利息划入你的帐户的贷方。
S:Is it difficult to open an account?I mean ,do I have to be a regular customer of the bank?
萨姆森：开立一个帐户难吗?我是说，我需要是银行的老顾客吗?
C:No ,sir.not at all.All thats necessary is to fill out this signature card and make your initial deposit .
员工：不，先生，完全不必。你所需要做的只不过填写一下这张签名卡，并进行初次储蓄，
Even a dollar is enough to open the account .
甚至一USD就可开立一个帐户。
S:Lets see .You want my name,address,occupation ,date of birth and Social Security number .
萨姆森：让我看看这张卡片。你要我填上名字、住址、职业、出过生日期和社会保险号码。
Whats this item here,Mothers Maiden Name?
妈妈结婚以前名字这一项是什么问题?
C:We ask that for identification purposes ,sir .Its a code word we use to positively identify you in case you lose your passbook or there is some other need for positive identification .
员工：大家需要这一名字是为人便于分辨身份，先生。这是一个暗语，万一你丢失了你的存折，大家可以用它来确切地分辨你的身份，或者因为某种需要，用以准确地辨认身份。
S:I see.Well,let me fill this out and Ill open an account.
萨姆森：我了解了，那我就填写这张卡片，然后开立一个帐户。
金融英语：银行与计算机
Betty Rogers, a teller at the First National Bank,is explaining the banks computer system to one of her customers .
第一国民银行的出纳员贝蒂罗杰斯正在向一位客户讲解银行的计算机系统。
Customers:What do you mean by the term on-line system?
客户：联机系统这个词的意思是?
Rogers:Basically ,it means that all our branches are connected to our central computer system,Sir .
罗杰斯：基本上讲，它的意思是说，大家所有些分机都与大家的中央计算机设施相联系，先生。
This permits us to process transactions right away .
这就使得大家能当即处置各项业务买卖。
C:Do you mean that deposits and withdrawals are posted to my account immediately ?
客户：你是说，存款和取款可以立刻过帐到我的帐户上吗?
R:Yes,we process cash transactions as soon as they take place .Check deposits are credited ,subject to collection .
罗杰斯：是的，对于现金买卖，大家当时就能处置，而支票储蓄就要把款项经托收后才可划入货方。
C:You mean that I cant draw against a deposit by check until the proceeds are collected from the bank on which the check is drawn?
客户：你是说，只有从开票行取回款项之后，我才可以用支票兑换现金。
R:Yes,thats right .But it only takes overnight for any bank in the city and just a day or two for banks outside the city .
罗杰斯：是如此的，但对于市内的任何一个银行来讲，这仅需花费隔夜的时间，而对于外地银行，也仅需1、两天时间就可取回款项。
C:Do you keep all savings account records on computer?
客户：你们把所有储蓄帐户记录都保存在计算机中吗?
R:Yes,savings ,checking ,loan and installment credit accounts ,too.
罗杰斯：是的，储蓄、支票、贷款和分期还款帐户也保存在计算机中。
On-line computer systems help us provide speedy and accurate service to our customers .
联机系统帮助大家为客户提供迅速而准确的服务。
C:Oh ,thats why we must use magnetically encoded checks and deposit slips .
客户：噢，这就是为何大家需要用磁性密码支票和存款单是什么原因。
R:Yes,the computer at our data processing center can read all encoded items automatically .
罗杰斯：是的，大家的数据处置中心的计算机能自动地读出所有些译码条目。
Of course ,you ll notice that there are computer terminals at most teller windows ,too.
当然，你会注意到大部分出纳员的窗口也都装有计算机终端，
Tellers use them to provide immediate computer access for all transactions.
出纳员用它们将所进行的所有业务内容立即送入计算机或从计算机中取出。
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