金融英语口语对话|金融英语口语大第12期:TimeDeposit

New Words

新单词
anxious adj.
担心的，焦急的
available adj.
可用的，可得到的
option n.
选择权
maturity n.
（票据等的）到期
emergency n.
紧急
mature v.
到期
Phrases & Expressions
短语
regular savings account
普通储蓄帐户
time deposit
定期存款
time certificate of deposit
定期存款单
the stated interest return
规定所归还的利息
W:Liu Bing, I have two thousand yuan for the cost of this term,
王琳：刘萍，我从家带来2000元供这一学期的生活费，
enough to last from now until summer vacation.
维持到暑假看来已足够。
I feel anxious about carrying around such a large sum. What should I do?
带着这么多钱我觉得不放心，我该怎么办？
L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.
刘萍：让我想想。你可以拿其中一半作为活期存款，另一半作为定期存款。
W:That's a good idea. Will they earn a similar rate?
王琳：这主意很好。那么存款利率是否一样呢？
L:The interest rate for time deposits is much higher than regular savings account.
刘萍：定期存款的利率要比活期存款高得多。
W:How long do I have to keep the money in the account?
王琳：那么我的定期存款应该多长呢？
L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
刘萍：储蓄所在在大多数情况下备有三种定期存款，即分三个月，半年和一年。
They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
另外，他们还提供2年，3年，5年或10年的长期定期存款。
W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
王：对我们来说，短期存款合适。是否存款时间越长利率也就越高呢？
L:Yes, of course. It would seem that three month time deposits are the best option for you.
刘：是的，那当然啦。看来对你来说三个月的定期存款是的选择。
W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
王：我同意你的看法，明天咱们俩就去银行存款。
L:Yes, I want to deposit mine, too.
刘：好，我自己也要去存款。
W:What maturities are the most popular?
王琳：哪一种期限最普遍？
L:Most people use the six or twelve-months plans, of course,
L：大部分人都选用半年或一年的期限。当然啦，
they may renew the certificate on maturity if they wish.
到期后人们还可以续存。
W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
王：假如存款人由于急用要提前取款，那又如何处理呢？他能否把款提出呢？
L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.
刘：当然可以，在必要的情况下可以在到期之前提前取款。
W:What will happen?
王：那情况会怎样？
L:He just won't receive the stated interest return.
刘：他就不能拿到预先规定的定期利息。
W:What a loss!
王：那真可惜！
L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period.
刘萍：所以你想要获得较高的利息就不要在到期之前提取存款。
W:Good idea.
王：好主意。

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