金融英语学习：TimeDeposit

会计考友

　　New Words
　　新单词
5 Y; ^; v  |& }' l, p　　anxious adj.
　　担心的，焦急的
% r, \( D# }  P2 E) `' s" G7 ^　　available adj.
/ r) G5 _" f, v) c7 k+ b: y　　可用的，可得到的
# `- ?$ `+ ~: ^" y& c1 X) e　　option n.
　　选择权
( m/ B% i2 X' A# x4 J  X* N. u　　maturity n.
　　（票据等的）到期
　　emergency n.
　　紧急
# I4 M2 P# P" D; Z+ F- [　　mature v.
! k' P' j( |0 V2 k7 I9 `　　到期
　　Phrases & Expressions
　　短语
　　regular savings account
* H  H( J+ I3 a3 {1 T; G; f6 X& C　　普通储蓄帐户
2 R+ \: Y+ E+ Q1 `+ i! Y6 l# S$ z2 {　　time deposit
7 q' ^7 o8 N3 k7 T: R; L9 _6 Y2 w　　定期存款
% d2 W( L! k( A- E　　time certificate of deposit
　　定期存款单
　　the stated interest return
6 J' Q! I( b1 c  `　　规定所归还的利息
1 G! ^3 d1 Z7 m- u, |8 ^　　W:Liu Bing, I have two thousand yuan for the cost of this term,
　　王琳：刘萍，我从家带来2000元供这一学期的生活费，
2 M8 Z4 A+ ?: Y　　enough to last from now until summer vacation.
　　维持到暑假看来已足够。
　　I feel anxious about carrying around such a large sum. What should I do?
: Z1 V6 c9 N. K4 n' w6 R7 K9 r: P/ Y　　带着这么多钱我觉得不放心，我该怎么办？
　　[00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.
　　刘萍：让我想想。你可以拿其中一半作为活期存款，另一半作为定期存款。
　　W:That's a good idea. Will they earn a similar rate?
　　王琳：这主意很好。那么存款利率是否一样呢？
8 L% K& g# H8 C3 o# B% R9 V　　L:The interest rate for time deposits is much higher than regular savings account.
　　刘萍：定期存款的利率要比活期存款高得多。
　　W:How long do I have to keep the money in the account?
　　王琳：那么我的定期存款应该多长呢？
8 N$ l, O* V7 F7 l# u　　L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
2 t) \: S) a2 H' n( F$ V　　刘萍：储蓄所在在大多数情况下备有三种定期存款，即分三个月，半年和一年。
　　They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
3 |4 N5 j" e" d6 V, J# U　　另外，他们还提供2年，3年，5年或10年的长期定期存款。
! h/ w9 l+ T: k: v0 Y　　W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
　　王：对我们来说，短期存款合适。是否存款时间越长利率也就越高呢？
　　L:Yes, of course. It would seem that three month time deposits are the best option for you.
　　刘：是的，那当然啦。看来对你来说三个月的定期存款是最好的选择。
- @' E0 u2 `' B+ |$ D" Z) z　　W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
- B& H- |8 `+ {. J　　王：我同意你的看法，明天咱们俩就去银行存款。
/ H8 E* R  i5 P' g1 v- q　　L:Yes, I want to deposit mine, too.
　　刘：好，我自己也要去存款。
8 m) |, K3 P  f& I3 p8 u　　W:What maturities are the most popular?
　　王琳：哪一种期限最普遍？
　　L:Most people use the six or twelve-months plans, of course,
, t$ j: f, H3 _1 l6 _　　L：大部分人都选用半年或一年的期限。当然啦，
　　they may renew the certificate on maturity if they wish.
　　到期后人们还可以续存。
　　W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
　　王：假如存款人由于急用要提前取款，那又如何处理呢？他能否把款提出呢？
0 O/ o9 P$ f- S- b$ f" Q　　L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.
　　刘：当然可以，在必要的情况下可以在到期之前提前取款。
4 w, G9 ]% \' C! j! h　　W:What will happen?
; e9 D1 G4 ~: C& `; l/ o　　王：那情况会怎样？
/ ^4 U2 _. x3 x, k4 l( I　　L:He just won't receive the stated interest return.
　　刘：他就不能拿到预先规定的定期利息。
# }- {% J4 q+ y4 b) |. n9 E　　W:What a loss!
; z% y$ p# R: u0 t　　王：那真可惜！
5 Z7 N7 v) l+ @' a$ d; s1 R# G　　L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period.
' M% g: m5 r' ^. T　　刘萍：所以你想要获得较高的利息就不要在到期之前提取存款。
　　W:Good idea.
( p& o! T/ d* g7 W% M, I　　王：好主意