金融英语口语辅导:TimeDeposit

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New Words
# {( R1 ^1 u- _8 _新单词
anxious     adj.
' E+ Y8 K2 J8 q担心的，焦急的
available     adj.
: j! x. O( F3 r/ `; `, X可用的，可得到的
option    n.
* R; y7 @* B( P! K; I+ L选择权
maturity      n.
（票据等的）到期
) v" G( ^) n0 r" k+ R- {$ bemergency     n.
# g% W/ A% P& a3 k紧急
mature        v.
0 B/ [+ Q9 ?1 B$ g! O: C7 L4 P6 G到期
. ?' `  G- t! d) n# JPhrases & Expressions
短语
regular savings account
3 |/ W( x$ Q. v4 G0 i普通储蓄帐户
time deposit
/ p4 z2 H& _  K, D6 a& N) d定期存款
0 b5 L& W6 S* ~- J! rtime certificate of deposit
0 S5 J: ?* S: O1 a, r定期存款单
the stated interest return
; W, b7 ?6 |: ~% b4 T. E. d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，
% g! k6 X: I2 ^; I  S, {+ O7 }enough to last from now until summer vacation.
$ p# [0 i( N; j6 w8 p+ S- r维持到暑假看来已足够。
I feel anxious about carrying around such a large sum. What should I do?
( K' K' K6 f  C  n( p* ]4 s! }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.
# }( R% Z0 G& _) |4 s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?
) i" a2 p+ e6 J' C" d4 I王琳：这主意很好。那么存款利率是否一样呢？
) u  w' A; U0 g4 [: n1 PL:The interest rate for time deposits is much higher than regular savings account.
2 q9 H; t7 z- X$ Q) D- m0 v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?
% G5 B) a4 c4 o* M' g; c0 \王琳：那么我的定期存款应该多长呢？
1 e& Z/ x5 h4 I6 u9 iL:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
2 o1 K0 K2 g+ O. @3 C0 Y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。
5 k! Y. U8 M" E, gThey also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
. J  M4 a( z! X+ X) A1 A另外，他们还提供2年，3年，5年或10年的长期定期存款。
* ]2 r( _* e3 Y1 vW:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
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？
- o, W8 \% k& SL:Yes, of course. It would seem that three month time deposits are the best option for you.
' \) p6 ?/ v' F' o3 ~( B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。
) e" x+ l" h* r7 P$ \: @W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
  ^- m; w6 i9 ^5 {/ o3 {0 B- F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.
刘：好，我自己也要去存款。
W:What maturities are the most popular?
$ `* M9 Y6 S' f! F3 {9 N7 q9 k7 {王琳：哪一种期限最普遍？
& g: x% Z3 @3 q( `0 r6 z3 dL: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.
% x5 ?3 o" n) I% W8 A" R到期后人们还可以续存。
" L  u) w+ d4 K) D1 N8 hW: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？
: S/ D# @( J  Z8 TL: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。
W:What will happen?
王：那情况会怎样？
# A" x3 r; I$ l) b& cL:He just won't receive the stated interest return.
5 L# [* X  |" R- n$ o刘：他就不能拿到预先规定的定期利息。
$ F) ]: t7 V+ P0 J7 [3 k9 [6 J! vW: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.
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。
! P4 ?5 k- R4 [/ u% GW:Good idea.
" ~. m5 `$ C- G3 K2 ^$ [王：好主意。