金融英语学习：TimeDeposit

会计考友

　　New Words
　　新单词
　　anxious adj.
* M1 K% E6 @/ o5 {　　担心的，焦急的
$ ?0 l' Y% w: u　　available adj.
　　可用的，可得到的
9 c1 j  W4 s( e: ]& @# }　　option n.
/ G- p- I/ I5 t: j1 ~! v! r8 t+ \　　选择权
) S# }# _* n4 f# O　　maturity n.
　　（票据等的）到期
　　emergency n.
, e& A! s: `/ K2 c( F　　紧急
2 D; ]& G* p/ g9 j　　mature v.
, c* O0 ~: {" c' s3 P　　到期
. U" M1 F: e/ U' M+ h　　Phrases & Expressions
　　短语
9 Z: D9 I. \5 W- z　　regular savings account
　　普通储蓄帐户
& I! m8 q4 n/ u" i! N3 b3 Y  w: ~5 u　　time deposit
: Y; R# E! ]" a' x7 C+ a, o- q/ E　　定期存款
3 z2 j8 }9 R6 @$ d- R( `5 s　　time certificate of deposit
$ e  O7 K$ ]5 p% e2 g% w" _* o+ `　　定期存款单
) X7 d" u) m0 ?: S! l　　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,
0 i: E5 ?- L' w! K　　王琳：刘萍，我从家带来2000元供这一学期的生活费，
* ]! ]5 q2 r9 q+ B0 C　　enough to last from now until summer vacation.
　　维持到暑假看来已足够。
/ u! m9 R' ]9 Z9 S- a  [% i6 y　　I 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？
+ r2 [# [; Y0 {& `" J　　[00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.
, b. M+ x3 R0 u6 b" J　　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.
- L! m( y0 I+ {1 M! ]　　刘萍：定期存款的利率要比活期存款高得多。
& I. v) O9 g6 X" {　　W:How long do I have to keep the money in the account?
  o' ?% k6 u- w( A9 u( B0 H, ]8 C　　王琳：那么我的定期存款应该多长呢？
; J' B+ g0 Y) n8 M+ {1 Q　　L: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。
　　They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
/ V( R, B( t) M7 A3 X# B9 E　　另外，他们还提供2年，3年，5年或10年的长期定期存款。
/ `: \# u# e0 \2 d- E) C0 ^; ]　　W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
) v2 p7 h* x- N6 H. H　　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？
) `7 h; |  j, Z6 g& f6 b7 s　　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。
　　W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
　　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.
6 c' o0 x% U' ?$ w" h& z　　刘：好，我自己也要去存款。
8 E: X2 ^9 M0 ^4 K# m　　W:What maturities are the most popular?
  B( U% C6 \# s　　王琳：哪一种期限最普遍？
( _' d7 c( t0 N) x3 I　　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，
  a/ d& h* J9 n7 r2 _8 w　　they may renew the certificate on maturity if they wish.
. B+ a% l, K- j( z& J" y2 Z　　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.
3 x' Y1 n: \4 O& {% Q( I　　刘：当然可以，在必要的情况下可以在到期之前提前取款。
# b% a" Y* g, s; U! a( p9 ^　　W:What will happen?
　　王：那情况会怎样？
2 |% ^5 P( g& x6 W# C　　L:He just won't receive the stated interest return.
　　刘：他就不能拿到预先规定的定期利息。
　　W:What a loss!
( C6 E5 S1 n4 s. z　　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.
& R5 T  I' ?: @　　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。
　　W:Good idea.
& O" |! V* h6 D0 E- r* g& A- R+ w　　王：好主意