关于定期存款的英语金融口语
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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·泰勒向第一国民银行新开帐户部门的一个职员询问定期存款有关事宜。
Taylor:Can you tell me something about time deposits?
泰勒：请您同我谈谈有关定期存款的事情，好吗?
I understand the interest rate is much higher for time deposits than regular savings accounts.
据我所知，定期存款的利率比普通储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 .
职员：是的，泰勒小姐，您说得对。我们这里提供存款的定期存单，它们的利率高于普通存款。
T:How long do I have to keep the money in the account?
泰勒：存款在帐户中储存多久才可以取?
C:We offer a choice of three,six-or twelve month maturities in most cases.
职员：大多数情况下，我们提供为期3个月，6个月和12个月的存款期限，您可以从中选择。
Of course ,we have two-,three-,five-and ten-year plans ,too.
当然，我们也有为期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决于存款时间?
C:Yes,that's right .But you must determine what maturity you want in the beginning .
职员：是这样的。但是您必须事先确定您的存款期限。
Naturally ,certificates with the longer maturities bear a higher rate of return .
当然，存款期越长，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：哪一种期限是最受欢迎的呢?我估计不会有很多顾客选择很长的存款期限。
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.
职员：您说得对，我们的大多数顾客选用6个月或12个月存款期限。当然，如果您愿意的话，当存款到期时，您可以把存单转期续存。
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会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 .
职员：当欠确知顾客将一笔钱储存一定时期，我们就能够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·泰勒与负责新开帐户的职员继续谈论有关定期存单的事。
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，我为应付紧急情况，需要用那笔钱该怎么办?那时能不能把款取出来?
Clerk:Yes,of course ,you may withdraw your funds by cashing in your certificate before the maturity date if this becomes necessary .
职员：当然可以。如果需要的话，您可以在存单的到期之前取你您存单中的现金。
But ,in this case ,you would not receive the stated interest return.
但是，在这种情况下，您不能获得原定利息，
The high rates of return that are offered are valid only if the certificate is maintained for the full length of the contracted period.
只有当存单到期，所提供的高利率才能生效。
T:You mean I would lose all my interest?
泰勒：您的意思是说，我会失去所有的利息?
C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .
职员：不，不是全部的，我行会考虑到您的要求将您的存单兑现。由于您提前取款，我们要根据当时牌价标准付给您利息。
T;How much is that rate?
泰勒：那么利率应是多少呢?
C:I can't give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.
职员：我不可能给您一个确切数子，泰勒小姐，因为它是随着普通存款利率而浮动的。
As you know ,our regular savings rate changes periodically in accordance with the interest earnings rate allowed for commercial banks .
您知道，我们的一般存款利率是按照商业银行所允许的利率定期性的变化。
That rate is posted on the bulletin board in the lobby as required by bank rules .
接照银行的规定，所说的这个比率表就贴在大厅里布告板上。
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：那么您是说，如果我在定期存单到期日之前不得不兑现的话，我就要为此而受到罚款。
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.
职员：是这样的。这就是为什么我们希望顾客在承诺定期存款之前，应认真地选择存款期限和存款额。
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