關(guān)于定期存款的英語(yǔ)金融口語(yǔ)
英語(yǔ)摘要我們多花一點(diǎn)心思去學(xué)習(xí)就可以了，下面小編就給大家整理了金融英語(yǔ)，趕緊動(dòng)起手來(lái)吧
Time Deposits定期存款
Judy Taylor is asking a clerk in the New Accounts Department at the First National Bank about time deposits.
裘德·泰勒向第一國(guó)民銀行新開(kāi)帳戶部門(mén)的一個(gè)職員詢(xún)問(wèn)定期存款有關(guān)事宜。
Taylor:Can you tell me something about time deposits?
泰勒：請(qǐng)您同我談?wù)動(dòng)嘘P(guān)定期存款的事情，好嗎?
I understand the interest rate is much higher for time deposits than regular savings accounts.
據(jù)我所知，定期存款的利率比普通儲(chǔ)蓄存款的利率要高得多。
Clerk:Yes,Miss Taylor ,that's correct.We offer Time Certificates of Deposit which pay a higher rate of interest than regular deposits do .
職員：是的，泰勒小姐，您說(shuō)得對(duì)。我們這里提供存款的定期存單，它們的利率高于普通存款。
T:How long do I have to keep the money in the account?
泰勒：存款在帳戶中儲(chǔ)存多久才可以取?
C:We offer a choice of three,six-or twelve month maturities in most cases.
職員：大多數(shù)情況下，我們提供為期3個(gè)月，6個(gè)月和12個(gè)月的存款期限，您可以從中選擇。
Of course ,we have two-,three-,five-and ten-year plans ,too.
當(dāng)然，我們也有為期2年、3年、5年和10年的存款期限。
T;Does the rate go up depending on how long you keep the certificate?
泰勒：利息是多少是不是取決于存款時(shí)間?
C:Yes,that's right .But you must determine what maturity you want in the beginning .
職員：是這樣的。但是您必須事先確定您的存款期限。
Naturally ,certificates with the longer maturities bear a higher rate of return .
當(dāng)然，存款期越長(zhǎng)，利率就越高。
T:What maturities are the most popular?I assume that not many customers invest for the very long terms .
泰勒：哪一種期限是最受歡迎的呢?我估計(jì)不會(huì)有很多顧客選擇很長(zhǎng)的存款期限。
C:No ,most of our customers use the six-or twelve-month plans.Of course ,you may renew the certificate on maturity if you wish.
職員：您說(shuō)得對(duì)，我們的大多數(shù)顧客選用6個(gè)月或12個(gè)月存款期限。當(dāng)然，如果您愿意的話，當(dāng)存款到期時(shí)，您可以把存單轉(zhuǎn)期續(xù)存。
T;How come the rate is so much higher than the regular savings rate?
泰勒：定期存款的利怎能怎么會(huì)比一般存款利息高出那么多呢?
C:We can offer a more attractive rate of return when we know that the client will maintain the balance for a set period of time .
職員：當(dāng)欠確知顧客將一筆錢(qián)儲(chǔ)存一定時(shí)期，我們就能夠提供更具有吸引力的利率。
Time Deposits (2)
定期存款(二)
Situation 16
情景 16
Judy Taylor continues talking with the New Accounts clerk about Time Certificates of Deposit.
裘德·泰勒與負(fù)責(zé)新開(kāi)帳戶的職員繼續(xù)談?wù)撚嘘P(guān)定期存單的事。
Taylor:What if I need the money for an emergency before the certificate matures?Can I get it out ,then ?
泰勒：假如在存款到期之前，我為應(yīng)付緊急情況，需要用那筆錢(qián)該怎么辦?那時(shí)能不能把款取出來(lái)?
Clerk:Yes,of course ,you may withdraw your funds by cashing in your certificate before the maturity date if this becomes necessary .
職員：當(dāng)然可以。如果需要的話，您可以在存單的到期之前取你您存單中的現(xiàn)金。
But ,in this case ,you would not receive the stated interest return.
但是，在這種情況下，您不能獲得原定利息，
The high rates of return that are offered are valid only if the certificate is maintained for the full length of the contracted period.
只有當(dāng)存單到期，所提供的高利率才能生效。
T:You mean I would lose all my interest?
泰勒：您的意思是說(shuō)，我會(huì)失去所有的利息?
C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .
職員：不，不是全部的，我行會(huì)考慮到您的要求將您的存單兌現(xiàn)。由于您提前取款，我們要根據(jù)當(dāng)時(shí)牌價(jià)標(biāo)準(zhǔn)付給您利息。
T;How much is that rate?
泰勒：那么利率應(yīng)是多少呢?
C:I can't give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.
職員：我不可能給您一個(gè)確切數(shù)子，泰勒小姐，因?yàn)樗请S著普通存款利率而浮動(dòng)的。
As you know ,our regular savings rate changes periodically in accordance with the interest earnings rate allowed for commercial banks .
您知道，我們的一般存款利率是按照商業(yè)銀行所允許的利率定期性的變化。
That rate is posted on the bulletin board in the lobby as required by bank rules .
接照銀行的規(guī)定，所說(shuō)的這個(gè)比率表就貼在大廳里布告板上。
T:So,you mean that I would be subject to a penalty if I had to cash in the certificates before the date they mature .
泰勒：那么您是說(shuō)，如果我在定期存單到期日之前不得不兌現(xiàn)的話，我就要為此而受到罰款。
C:Yes,that's right .That's why we encourage our clients to select the terms and balances carefully before they commit themselves to Time Certificates of Deposit.
職員：是這樣的。這就是為什么我們希望顧客在承諾定期存款之前，應(yīng)認(rèn)真地選擇存款期限和存款額。
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