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[考试辅导] 金融英语备考资料口语篇-开立往来帐户

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发表于 2012-8-16 08:17:42 | 显示全部楼层 |阅读模式
  Opening a Current Account 7 _- `: i, r; H( T% B) t8 y& d( T
  开立往来帐户
  X0 X8 P" K: P$ G4 y$ J/ M$ ~  Situation 17
+ B% m; @! S7 b' \0 F  情景 17 ' h# P" Y2 s/ _
  John Spence is asking a clerk at the First National Bank aboutcurrent accounts. ; X6 L! R' Q9 h( O) h, W
  约翰·斯彭斯正在向第一国民银行的一位职员询问有关往来帐户的事宜。
1 o: H( x8 d+ R/ h  Spence:Would you please tell me something about current accounts?I’ve heard the term,but I’mnot sure I understand what it means.
6 t5 r* n6 l. X# y, B  斯彭斯:您能给我讲讲有关往来帐户的事吗?我听说过这个术语,但是我不完全明白它的含义。
7 }$ A8 l  Y* W6 ?( @  q7 h, i7 c  Clerk:The term current account means a demand account .Actually ,a checking account.
9 i5 Z& ?9 N; c  职员:往来帐户这个术语就是活期帐户的意思。实际上,就是支票帐户。
. _# @& ^, ~6 j  Normally ,we use the term current or demand account when we talk about a checking accountmaintained by a business firm.
' ?4 R! K+ ~, V+ [  通常当我们谈论到由企业持有的支票帐房时,我们就使用往来帐户或者活期帐户这样的术语。 / \# ?) p* d7 L6 f  Y; K+ F( h0 |3 {
  S:Oh ,so you mean that I can’t open a current account as an individual? 5 F1 z: _+ l' B( p: H- [0 L
  斯彭斯:哦,您是说,作为个人,我不能开立往来帐户吗?
8 U' A; ^/ j9 c: y  C:No,I don’t mean that.Anybody ,either a firm or an individual ,may open a current account, + f, M7 k5 M( Z  Q* G  s- F
  职员:不,我不是那个意思。任何人,无论是企业还是个人都可以开立往来帐户。 * g( V( a1 a  C) X3 ?; L& G8 X
  but we normally call individual accounts personal checking accounts .That’s just a different namefor them. / j8 J+ ]+ i# k; o; |( T# w
  但是,我们一般称个人帐户为个人支票帐户,这仅仅是帐户名称不同而已。
4 L6 f  u, Q$ I0 s) q' m  S:Why do you call them demand accounts ,then ? 9 [6 l2 `9 `: X1 ~* y
  斯彭斯:那么您为什么称他们为活期帐户呢? - r7 ^; V6 B! _' v! f! w# |
  C:That means that the balances in the accounts are subject to withdrawal on demand.
6 l: P: B) g% S* ^# F1 V- h9 e  职员:这就是说,帐户上的余额便于提取或者便于需要。 7 W! k. h2 P- M8 b+ F
  In other words,a written demand ,or a check ,is all that’s necessary to make a withdrawal from theaccount .
* s  {* V" A4 ~3 T  换句话说,要想从帐户中提取,只需填写一张用款需求单或一张支票就可以了。 8 V$ r* G% ~  i1 d* t, i
  S:Aren’t all accounts like that ?
6 Y. j/ u7 A1 X( K( A6 F7 Z  斯彭斯:并不是所有的帐户都是这样做的吧? : c4 \% x$ R7 D) K2 K* ^9 _  J8 o
  C:No,sir .Time or savings accounts actually require a notice to the bank ,
) T* W# @! Y/ l' E# Z  职员:是的,先生。定期存款帐户或储蓄帐户实际上都需要给银行一个通知, ! [  r+ G4 R3 p+ O* N% y' K" o
  usually seven days before the depositor has a right to make a withdrawal .In normal practice , 0 r$ {/ A: |6 Y0 r  h, s( C
  通常是七天前通知银行,存款人才有权力提取存款。 . K# e5 Y' n8 C# H
  of course ,we usually waive notice and allow immediate withdrawals .In demand or currentaccounts , 1 \+ Q/ M& V% r+ }: \- Y
  当然,一般情况下,我们通常不必提前通知,并且允许立即提款。 " c: ~* |$ H; c" Z
  however,we cannot ask for such notice .
) V. Y2 c0 ~& I$ M# ~& I  然而,对于活期帐户或者往来帐户我们根本无权要求取款提前通知。
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