Opening a Current Account $ E: c( f6 X L( G1 ?# \
开立往来帐户 9 P$ A' n: G" l5 x
Situation 17
# B- \$ R2 n, ~( w& M6 I 情景 17
, [- ]2 N1 t6 ?. {' c/ m7 m John Spence is asking a clerk at the First National Bank aboutcurrent accounts.
9 n( q$ _7 l0 `. b- U3 g 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。 ' u( [; N7 x/ Z: L& \$ z
Spence:Would you please tell me something about current accounts?I’ve heard the term,but I’mnot sure I understand what it means.
7 J2 W; V" a. H4 o 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。 $ L8 Q8 L7 ?" R' r3 ]
Clerk:The term current account means a demand account .Actually ,a checking account.
. Q: R% {; P& t9 S 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。 * M9 W {5 u+ B( h
Normally ,we use the term current or demand account when we talk about a checking accountmaintained by a business firm. ) ]% ~- w4 _% g, O! K" B& j" U2 \& k
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。 ; }2 V. S i$ O! l! W5 A8 k) g
S:Oh ,so you mean that I can’t open a current account as an individual? $ g9 t4 z. Y- G0 d8 ]/ O+ H" @
斯彭斯:哦,您是说,作为个人,我不能开立往来帐户吗? 1 X1 x B% F; N( {; W1 e$ l
C:No,I don’t mean that.Anybody ,either a firm or an individual ,may open a current account,
1 g, \$ d, |, @ i 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。 9 @! v. ]; I% \4 j' g9 E" Z2 N) i
but we normally call individual accounts personal checking accounts .That’s just a different namefor them. / p4 y0 P$ N2 _% R, S
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。 7 y! f1 K# `! P
S:Why do you call them demand accounts ,then ?
4 j6 |4 t9 ^- D& i! q" q! a 斯彭斯:那么您为什么称他们为活期帐户呢?
: Q( s& _9 j+ G# B C:That means that the balances in the accounts are subject to withdrawal on demand. ' l8 v0 i7 U, j4 w _9 y
职员:这就是说,帐户上的余额便于提取或者便于需要。 3 Z$ J4 b; N0 ]7 _" s
In other words,a written demand ,or a check ,is all that’s necessary to make a withdrawal from theaccount . 3 T* u0 C2 M4 J5 ?
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。 : ~' u# {: B. L; I% Q0 I
S:Aren’t all accounts like that ? Z! ]7 i7 h9 B7 ?) i5 O8 X
斯彭斯:并不是所有的帐户都是这样做的吧? 6 z% W" W* x+ r* C
C:No,sir .Time or savings accounts actually require a notice to the bank ,
* a0 n! I9 g6 w5 s' D8 y 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,
$ |: G: i5 L7 } X$ } U" {1 G usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
; q9 w/ ?7 R& x# F2 y 通常是七天前通知银行,存款人才有权力提取存款。
# X. L% U' o+ p2 s of course ,we usually waive notice and allow immediate withdrawals .In demand or currentaccounts ,
7 J' f8 r' E" X3 | 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。 8 Q7 p' U+ |" i: b7 K. J8 V
however,we cannot ask for such notice .
, Y" v% J! f2 K2 N+ B8 G% O4 L 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。 |