金融英语口语辅导:TimeDeposit

会计考友

New Words
6 l7 R0 m) W3 N1 g  S/ i8 x& j新单词
anxious     adj.
# f- ~# O% }0 L- c6 K1 H$ Q担心的，焦急的
available     adj.
可用的，可得到的
* [* T# Q9 C3 L- [1 ?option    n.
  Y% |  H) Z; }* y选择权
- S, x3 m% Q& f7 wmaturity      n.
（票据等的）到期
5 `9 f! B0 ^$ ?+ U* E5 V: temergency     n.
紧急
7 h" ~* u8 B$ \% ~! \( \. Gmature        v.
  e, I& x* `; x# j+ U  O+ K到期
Phrases & Expressions
6 }  x1 M: M# _$ |+ w$ \* x短语
regular savings account
普通储蓄帐户
' v1 K) F8 E& ~, J/ V( _time deposit
定期存款
- C2 L2 S; E; y* x0 ?  h# ltime certificate of deposit
定期存款单
the stated interest return
# R) P/ g4 A2 ?" g: s( c6 [; e规定所归还的利息
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，
enough to last from now until summer vacation.
维持到暑假看来已足够。
$ p3 F. m$ _3 F: n1 e# sI feel anxious about carrying around such a large sum. What should I do?
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。
9 K7 b" r2 m; h6 sW: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？
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？
; @; ~# G& a8 u7 w/ S0 E+ |2 Y1 ZL:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
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。
# R; N" \3 \3 u! [They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
另外，他们还提供2年，3年，5年或10年的长期定期存款。
W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
9 C5 [7 d' \6 N5 A- K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。
% D9 P5 P* b6 p1 ?W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
; p& B5 ]5 o6 h8 k- z王：我同意你的看法，明天咱们俩就去银行存款。
  m9 d7 B" n+ v' h* |8 A$ pL:Yes, I want to deposit mine, too.
刘：好，我自己也要去存款。
W:What maturities are the most popular?
王琳：哪一种期限最普遍？
5 I' R: P: d0 L: J0 h) _L:Most people use the six or twelve-months plans, of course,
L：大部分人都选用半年或一年的期限。当然啦，
+ C& K* @# y% S: c- j3 dthey may renew the certificate on maturity if they wish.
到期后人们还可以续存。
0 E5 D' N, p4 d+ f6 LW:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
) {3 {* F2 [: I6 @3 ?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？
+ N. f9 C! w+ C' k0 m( D% c; @  B0 pL:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.
0 M% I8 z4 b4 H: ?& Z刘：当然可以，在必要的情况下可以在到期之前提前取款。
W:What will happen?
王：那情况会怎样？
2 I8 F0 i% J5 n/ H. A3 XL:He just won't receive the stated interest return.
5 L# v( E8 F: _  E刘：他就不能拿到预先规定的定期利息。
% Q  c9 S# r( b( e( _( g) zW:What a loss!
9 \( i& N7 \$ s$ ]: }- ~, j# i& [王：那真可惜！
L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period.
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。
8 ~- `; E1 Q' m1 i2 U" |& [W:Good idea.
王：好主意。