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。 |