金融英语阅读辅导：定活两便储蓄存款

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　　The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit and withdrawal. According to the different methods of deposit and withdrawal, there are four types of savings deposits: current passbook deposit, current check deposit, time-demand optional deposit, debit card deposit and notice deposit.
0 N1 p( \$ t5 U$ v　　活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
- W5 M" E9 Y) K* e$ n4 x) h　　I.Definition
- S; }9 I) J. ~0 E) V　　Time-demand optional deposit is defined as one that does not have a definite term with the minimum amount of 50 RMB yuan in the account; that depositors can make deposits or withdrawals at any time without subject to amount limits after you are issued a deposit certificate or deposit passbook by the savings office. The certificate of deposit has two kinds: registered or unregistered. The unregistered certificate can't be reported loss. The passbook must be registered. The registered certificate or passbook can be reported loss.
　　一、定义
" m/ w1 U" {: h/ t0 X) P. o, u5 f7 Z" H　　定活两便储蓄存款是指不确定存期，起存金额为50元人民币，开户后由储蓄机构发给存单或存折，存户凭存单（折）存取款，存取金额不受限制的一种储蓄方式。存单有两种类型：记名存单和不记名存单。不记名存单不能挂失。存折必须记名，记名存单（折）可以挂失。
　　II.Service Features
　　Time-demand optional deposit is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients' financial asset managements. Such deposit boasts the flexibility of withdrawal at any time as a savings deposit, and also enjoys a preferential interest rate approaching that for time deposit.
　　二、业务特点
1 Q# s+ ^0 U! k5 Y1 q% `( N　　定活两便储蓄存款是银行最基本、常用的存款方式。客户可随时存取款，自由、灵活调动资金，是客户进行各项理财活动的基础。该种储蓄具有活期储蓄存款可随时支取的灵活性，又能享受到接近定期存款利率的优惠。
. Z4 S" [: k$ J' X　　III. Functions
　　Aside from the functions of deposit and withdrawal, a current passbook deposit account also has the following functions:
　　1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops;
9 Q' b+ W% @. L3 y- Y7 T　　2.To handle salary payment service on agency;
- q' _9 g% V  H. ~1 I, |　　3.To apply for telephone banking service;
# i7 Y: s6 B: ~% o- ]; o　　4.To make an automatic banking.A client with a current passbook deposit account may handle the deposit or the withdrawal at any savings office with the passbook.
　　三、功能
1 m, c) g# Q3 d　　活期储蓄账户除了具有存取款功能外，还有以下功能：
* m1 r4 z3 M% w, ]- j　　1、申办与之配套的电子借记卡，可在ATM机上办理取款及转账等银行业务，可在特约商户购物消费；
/ J1 |# g' S" S1 \5 k' R　　2、办理代发薪服务；
1 Q5 H5 o4 V: e; ?% P　　3、申请电话银行服务；
2 E: s: A# e+ a" C　　4、通存通兑。客户只要开立活期储蓄存款账户，便可以持存折在任一银行储蓄网点办理存取款业务。
, g, K! N4 m7 `8 j　　IV. Procedures for Account Opening
　　1.A passbook may be issued to you and a debit card may be applied for at the same time at any savings office after you fill out a deposit slip and deposit a certain amount of cash （RMB 1 yuan at least）.
, o  Z6 d7 d% I% c# ]: G5 N　　2.At the time of account opening, the client may choose the method of withdrawal by password. If the method of withdrawal password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller of the bank. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others.
+ P9 Q; a4 O1 y9 I; i, v. K! U+ \　　四、开户手续
! }: a+ L, y% w, ^% Y8 o　　1、在各银行任一分支机构填写存款凭条，存入一定数额现金（起存1元），即可获得活期储蓄存折并可同时申请借记卡
　　2、开户时可选择凭密码取款或凭存折取款方式，如选择凭密码取款方式，客户须当场选择一个6位数字输入作为该活期储蓄账户的密码，在柜台上的密码器上输入，包括银行经办人员在内的其他人都无法知道密码。密码相当于您取款的一把钥匙，必须牢记，不可泄露他人。