Opening a Current Account" f) ~8 j% c% x$ }( W8 h: { ]. N c
开立往来帐户4 G, d. |- H1 e1 P; C2 T4 x
Situation 178 Z' z( p5 e* I; C* X5 @8 Z" u
情景 17
8 W* y7 ?! X* N+ J/ }4 ^ John Spence is asking a clerk at the First National Bank aboutcurrent accounts.% S1 _' |3 r5 a3 J. s# |' |! m* v# c
约翰·斯彭斯正在向第一国民银行的一位职员询问有关往来帐户的事宜。 _5 Q/ X6 T9 D5 _+ P
Spence:Would you please tell me something about current accounts?I’ve heard the term,but I’mnot sure I understand what it means." w$ o* x2 j# V
斯彭斯:您能给我讲讲有关往来帐户的事吗?我听说过这个术语,但是我不完全明白它的含义。" |% C" {% Z$ j2 O
Clerk:The term current account means a demand account .Actually ,a checking account.
* S7 | ~' y/ J; H' \+ C! `; @. K 职员:往来帐户这个术语就是活期帐户的意思。实际上,就是支票帐户。* F* l6 w: R3 `3 T- N7 i
Normally ,we use the term current or demand account when we talk about a checking accountmaintained by a business firm.$ S' L# {6 L/ U* d/ i7 y
通常当我们谈论到由企业持有的支票帐房时,我们就使用往来帐户或者活期帐户这样的术语。
) G+ O/ y/ z" @2 b/ t- Y S:Oh ,so you mean that I can’t open a current account as an individual?
4 v2 |: q) s/ g, h 斯彭斯:哦,您是说,作为个人,我不能开立往来帐户吗?
2 V& f" O+ ?" X' t+ { C:No,I don’t mean that.Anybody ,either a firm or an individual ,may open a current account,: o' F; n/ z, q9 ?( g5 ]" b
职员:不,我不是那个意思。任何人,无论是企业还是个人都可以开立往来帐户。
( m. @5 _5 A' M! i$ z$ m4 J$ S but we normally call individual accounts personal checking accounts .That’s just a different namefor them.+ O* D/ k+ ]) Z6 X/ E4 `$ }& H% ?2 J
但是,我们一般称个人帐户为个人支票帐户,这仅仅是帐户名称不同而已。6 s" y* A/ g; C' n
S:Why do you call them demand accounts ,then ?
6 B; ?+ s3 a4 S- f+ V 斯彭斯:那么您为什么称他们为活期帐户呢?
0 p O3 a, z% W7 A" a C:That means that the balances in the accounts are subject to withdrawal on demand.
( N: }) d) k; d% N 职员:这就是说,帐户上的余额便于提取或者便于需要。
- z, D* d7 N. e0 z+ G In other words,a written demand ,or a check ,is all that’s necessary to make a withdrawal from theaccount .2 ?, P6 S" p z2 X. c, f. p
换句话说,要想从帐户中提取,只需填写一张用款需求单或一张支票就可以了。
$ B# g2 p( v8 r w( p+ g. q: _ S:Aren’t all accounts like that ?; K. L J6 M( l
斯彭斯:并不是所有的帐户都是这样做的吧?3 h7 f" H: x p4 F
C:No,sir .Time or savings accounts actually require a notice to the bank ,
$ G4 B9 }6 e. c+ z1 ~% V 职员:是的,先生。定期存款帐户或储蓄帐户实际上都需要给银行一个通知,
. H. ^/ X! S; ]* M% h k, q usually seven days before the depositor has a right to make a withdrawal .In normal practice ,' S6 J3 j* b1 |; r; ?
通常是七天前通知银行,存款人才有权力提取存款。: \" M; `0 H7 v! D" P. R1 E' F
of course ,we usually waive notice and allow immediate withdrawals .In demand or currentaccounts ,, D; Z/ n' c N9 g' V) b& c( `
当然,一般情况下,我们通常不必提前通知,并且允许立即提款。( o- H, }% |4 h; W
however,we cannot ask for such notice .# l9 H8 I$ W- d, [1 |
然而,对于活期帐户或者往来帐户我们根本无权要求取款提前通知。 |