金融英语阅读辅导：通知储蓄存款

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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 five types of savings deposit: current passbook deposit, current check deposit, time-demand optional deposit, debit card deposit and notice deposit.
　　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。
$ x7 c/ ]# y- s& w% M8 Q& V6 ^　　I.Definition
; ~- j0 i0 ?9 Z6 ?, K+ Q& f　　Notice deposit is defined as one that does not have definite term when making deposits and the types are chosen in advance （now there are two types: one day notice deposit and seven days notice deposit）, and you must inform the bank before the withdrawal of the date and amount of withdrawal. Usually the minimum amount of notice deposit is 50,000 RMB yuan in a lump sum with the minimum withdrawal sum not less than 50,000 RMB yuan each time. You can deposit money in a lump sum and withdraw money in a lump sum or by several times.
) {8 W; r  D8 @  d　　一、定义
! D7 O$ f( P, I; x9 U" v　　通知储蓄存款是一种存款人在存入款项时不约定存期，预先确定品种（目前分一天通知储蓄存款、七天通知储蓄存款两个品种），支取时需提前通知银行，约定支取日期及金额的储蓄存款方式。一般5万元起存，最低支取金额5万元，一次存入，可分一次或多次支取的储蓄存款。
+ k! |. v/ R" d2 U, b+ @) J　　II.Service Features
　　Notice 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 notice deposit is taken as the basis of clients’ financial asset managements.
　　二、业务特点
8 l+ K' K4 u# w+ L4 t: }　　通知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。
' i& J' T+ A3 q; ?+ ?3 a　　III.Functions
　　Aside from the functions of deposit and withdrawal, a notice deposit account also has the following functions:
8 q$ B  e4 S7 E& K; q　　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;
　　2.To handle salary payment service on agency;
" F0 l. l. I8 }$ r+ R　　3.To apply for telephone banking service;
) ~" k! y- b  \# X1 R　　4.To make an automatic banking.　A client with a notice deposit account may handle the deposit or the withdrawal at any savings office with the Current All-In-One passbook.
- S( s  o1 I! f7 |　　三、功能
　　通知储蓄存款账户除了具有存取款功能外，还有下功能：
! r& Y/ J  H& c* R" w3 e　　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；
; [5 a. M! Y& c　　2、办理代发薪服务；
! ~; k! U# K4 q. F　　3、申请电话银行服务；
+ _- f+ H9 a# K7 B2 {3 f　　4、通存通兑。客户只要开立通知储蓄存款账户，便可以持活期一本通存折在任一银行储蓄网点办理存取款业务。
　　IV. Procedures for Account Opening
8 \2 x7 @8 c- }/ k& a　　1.A Current All-In-One passbook may be issued to you and a debit card may be applied for at the same time at any savings office after you transact the deposit and deposit 50,000 RMB yuan in a lump sum.
　　2.At the time of account opening, the client may choose the method of withdrawal by password or with the passbook. If the method of withdrawal by 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.
5 c; B) K7 x3 ?5 W　　四、开户手续
　　1、客户在银行办理存款手续，一次性存入50,000元人民币，即可获得活期一本通存折，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。