金融英语学习：TimeDeposit

会计考友

　　New Words
1 E" p" Z# W0 s( K" R5 a# u　　新单词
　　anxious adj.
7 ?( G2 P  b  r/ N　　担心的，焦急的
  l' i& H& m* q* `' t  W　　available adj.
　　可用的，可得到的
　　option n.
　　选择权
+ r1 X  n8 }8 F　　maturity n.
$ ^$ M, i% M! P% A3 z" ~　　（票据等的）到期
　　emergency n.
　　紧急
/ ]. h( I" `- M$ j8 |+ T　　mature v.
6 w  k1 c- m0 v# E% E/ j& [　　到期
　　Phrases & Expressions
- h2 I1 X+ J  C/ T# s$ j　　短语
9 p, E. @$ E' |3 ^　　regular savings account
　　普通储蓄帐户
　　time deposit
　　定期存款
- [0 f2 Y2 ^- v1 F1 H　　time certificate of deposit
+ \6 A% J' u8 S2 Q" c/ B　　定期存款单
0 [9 [. O" s/ ^　　the stated interest return
　　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，
' |& Z, n2 H9 V2 P- N5 L　　enough to last from now until summer vacation.
2 k7 B2 Y9 X3 u$ P0 M( @* B0 ~　　维持到暑假看来已足够。
　　I feel anxious about carrying around such a large sum. What should I do?
9 B1 c  U) w, [, m% k; e　　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。
　　W: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.
8 k, R  B' W$ w* |' G　　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?
0 ]. p" J+ {8 V2 ?4 Y　　王琳：那么我的定期存款应该多长呢？
, M' T* w8 S6 s/ J8 {　　L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
& {% C, `% G, ]' C+ l, w; M　　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。
# w  b* d1 V3 K8 `; ~% G　　They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
$ T% z* G* f5 M7 Q; j( k　　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?
0 I1 V9 m& e9 r8 E  W　　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.
( Y) k3 {  w; h. \3 j  u. f6 N　　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。
　　W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
4 W+ b7 W1 I6 _# D; v. d　　王：我同意你的看法，明天咱们俩就去银行存款。
　　L:Yes, I want to deposit mine, too.
. k1 @. }& G. R& L8 l  [　　刘：好，我自己也要去存款。
" g0 A+ F9 a8 {7 @　　W:What maturities are the most popular?
　　王琳：哪一种期限最普遍？
% A* y: V& E( ]5 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，
　　they may renew the certificate on maturity if they wish.
, R" F$ M& ~! I0 k9 K+ g& B　　到期后人们还可以续存。
　　W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
　　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？
　　L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.
　　刘：当然可以，在必要的情况下可以在到期之前提前取款。
9 h+ T. C' S# I6 f　　W:What will happen?
- I; r* B: t7 n9 E$ @! r6 P' G　　王：那情况会怎样？
* G& h+ B" Q; C7 ]　　L:He just won't receive the stated interest return.
  C& t9 a. D& Z　　刘：他就不能拿到预先规定的定期利息。
　　W:What a loss!
　　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.
7 U  l5 A1 E' T$ ]5 f8 @2 p　　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。
0 I, ?. o* [2 P% Z2 t/ `6 H- v　　W:Good idea.
　　王：好主意