金融英语口语辅导:TimeDeposit

会计考友

New Words
新单词
' K3 c1 Q  o1 z) _+ w  y2 x& Uanxious     adj.
担心的，焦急的
- {- |' s" K1 Gavailable     adj.
可用的，可得到的
option    n.
) P$ i+ X9 ]  v' C9 K/ R+ Q/ y选择权
4 g& Q! Z' z3 A4 |/ x8 j" Smaturity      n.
( z- d% Q% E3 d: W0 y+ o$ z（票据等的）到期
5 e& z! o5 e& Semergency     n.
$ [3 V' m0 d$ H8 z' u1 n- l紧急
, t: a  U( K6 A) E4 I1 q; Omature        v.
到期
# B7 O2 k5 Y: @- Z* f7 n2 ePhrases & Expressions
短语
% p& A8 M; C8 B0 G- hregular savings account
普通储蓄帐户
time deposit
* L0 I( o; w) N7 K定期存款
* A: y, U- q1 _time certificate of deposit
定期存款单
  c9 x; O1 _/ W- E; C" dthe stated interest return
规定所归还的利息
. c' H# z$ A- p5 Q! g0 aW: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，
enough to last from now until summer vacation.
维持到暑假看来已足够。
I feel anxious about carrying around such a large sum. What should I do?
! m1 H5 \0 s0 Y2 o" I带着这么多钱我觉得不放心，我该怎么办？
. b# b6 v& b% P, R9 y[00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.
: F& A+ T+ ]2 J3 X6 t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。
5 L, T9 H0 E) m4 L& rW:That's a good idea. Will they earn a similar rate?
" B7 w$ n& Q2 n1 O. \王琳：这主意很好。那么存款利率是否一样呢？
6 K# V4 q; G. U, w" @; W3 q/ u$ sL:The interest rate for time deposits is much higher than regular savings account.
刘萍：定期存款的利率要比活期存款高得多。
( N0 _+ s5 _7 @( S+ ~( Y) hW:How long do I have to keep the money in the account?
& m7 }0 ^; s. K" @' M* l王琳：那么我的定期存款应该多长呢？
9 h6 F+ \9 I3 U8 b. L# X8 tL:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
: O$ c& e1 i. ?& v. _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。
, c0 ^& H& v" m& aThey also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
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?
. T: U8 j- V! ]& U- s0 X; d! J% s1 h. g% ~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.
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。
2 H9 m  r& m! w1 U, J) Z1 x8 g7 y1 ~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。
' Z; D: b8 Q: M( BL:Yes, I want to deposit mine, too.
刘：好，我自己也要去存款。
% r# U" |) u% f2 b" T5 q$ TW:What maturities are the most popular?
王琳：哪一种期限最普遍？
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，
3 h' ?0 w2 r( l4 z* I' [9 Dthey may renew the certificate on maturity if they wish.
2 K/ O4 ?  b5 m) k到期后人们还可以续存。
2 X" x1 R# [. @7 U9 V& U4 VW:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
8 |2 z6 Y, T% s  I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.
8 X, `% G+ K+ B3 h- y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？
3 ?5 L5 E; T) X! L: j: d6 sL:He just won't receive the stated interest return.
; Y0 t8 Q* u' I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.
* F6 n) k5 [+ j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.
" e- h* T- c2 o8 G- @) o% ?* v王：好主意。