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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
9 A7 B( D" H7 C0 s$ \: j  开立往来帐户   p2 A9 a/ A' Y" |  n# c! Z
  Situation 17
1 V3 Q: k- D  n$ n' `2 T  情景 17
9 H, \* P6 w5 }0 g- e  John Spence is asking a clerk at the First National Bank aboutcurrent accounts.
. V  Z& k. \! e+ x3 o  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。 ( z6 q8 s- }  q/ ]9 q3 }
  Spence:Would you please tell me something about current accounts?I’ve heard the term,but I’mnot sure I understand what it means.
$ [, b' C2 U5 X) f, g# [" J  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。 - W0 R6 \$ Y" _" Z7 K* G  O
  Clerk:The term current account means a demand account .Actually ,a checking account. 3 Q  C; N$ e3 w5 }8 L- u. P0 [
  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。
8 D0 `4 s( ~% s9 i( `  Normally ,we use the term current or demand account when we talk about a checking accountmaintained by a business firm. ! }' @! `, {% q$ f
  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。 $ A. E5 L* f# O  W9 L  Q3 p
  S:Oh ,so you mean that I can’t open a current account as an individual? ) M) u* l7 J3 Y% H, t; B, I8 Q% R
  斯彭斯:哦,您是说,作为个人,我不能开立往来帐户吗?
* n+ B+ y9 h) U  C:No,I don’t mean that.Anybody ,either a firm or an individual ,may open a current account,
9 b" \- k& X& v5 i& o# Y  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。 ) J: ~1 d! h# L! n( Q; B
  but we normally call individual accounts personal checking accounts .That’s just a different namefor them.
6 d0 ^: A, a6 j- Q  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。
" b% q0 `5 v- C7 V  S:Why do you call them demand accounts ,then ? $ E: h/ A! D* s8 W- q0 D
  斯彭斯:那么您为什么称他们为活期帐户呢?   Z) S' d* A7 j$ w9 D6 k
  C:That means that the balances in the accounts are subject to withdrawal on demand. 9 d  ^1 |& z$ h6 o% G+ ?
  职员:这就是说,帐户上的余额便于提取或者便于需要。
  w0 I8 V. R6 |) W4 i/ y8 X  In other words,a written demand ,or a check ,is all that’s necessary to make a withdrawal from theaccount . # I, r1 S4 K% F$ j, K
  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。 6 m* t9 Q( C- Z
  S:Aren’t all accounts like that ? ( h" C9 g9 w$ j5 W8 R
  斯彭斯:并不是所有的帐户都是这样做的吧?
- u- T$ i# w' d! y/ N! q  C:No,sir .Time or savings accounts actually require a notice to the bank , 4 t" ^  }) [: b7 W
  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,
2 n& `. `+ F" W7 d! \8 S! {  usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
, y# c: i+ {( N: F4 [" A( U  通常是七天前通知银行,存款人才有权力提取存款。 6 U2 Y% m9 b; t% s! ^( S
  of course ,we usually waive notice and allow immediate withdrawals .In demand or currentaccounts , # C( ~/ g$ N0 K7 d0 u6 l
  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。
# Y! D- R, t$ R3 J. U+ O: U  however,we cannot ask for such notice .
$ G. F1 ]* a+ u# R$ G; l  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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