銀行開戶場景常用到的英語
現在在我們的身邊到處都有金融，那麼你會金融的英語句子嗎，今天小編就給大家看看金融英語，希望能幫助到大家。
金融英語：帳戶規章與條例
Leah Jacobs has just opened a savings account at the First National is asking a clerk about the meaning of the rules and regulations printed on her passbook.
利厄·雅各布斯剛剛在第一國民銀行開立了一個儲蓄帳戶，她正在向一個職員詢問有關印在存摺上的各項規章與條例的含義。
Do you mean that I have to give you notice before I can make a withdrawal?
您是說，在我取款之前，得事先給您一個通知嗎?
Clerk:Yes,bs,it technically means that banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.
職員：是的，雅各布斯夫人。從法律角度上看，它是這個意思。所有銀行都可能需要一個事先通知，取款人才有權從儲蓄帳戶和其他附息的帳戶中取出所需求的款項。
J:How much notice must I give ?
雅各布斯：我需要提前多少時間通知銀行?
C:Our bank ,like many others,may require seven day's notice in actual practice we honour your request without requiring notification .
職員：象許多其他銀行一樣，我們銀行可能要求7天前通知。但實際工作中，在沒有提前通知的情況下，我們也會滿足您的取款要求。
Of course ,the bank has the option of enforcing the rule should it be necessary .
當然啦，如果必要的話，銀行是有權利按照這一條規定來做的。
J:That's amazing .I never knew that before .
雅各布斯：這倒令我吃驚，以前我從來不知道這些。
C:You'll find that all banks are required to have the same rule .
職員：您會發現，所有的銀行都有這些同樣的規章。
J:I guess I've never read the fine print on my passbook before.
雅各布斯：我可能還從來沒讀過我存摺上的這些很小的印刷字體。
This next item says that there is a service charge for more than two transactions a month .
下面一條講到，如果在一個月內有兩次以上存取款，就要收取手續費。
C;Yes,n,that's technically permitted by the regulations.
職員：是的，雅各布斯夫人。同樣，這也是屬於法定條例。
The main reason is to discourage the use of savings accounts for frequent transactions .
這是因爲銀行不鼓勵使用儲蓄帳戶進行過於頻繁的存取款活動。
Current ,or checking,accounts are designed for regular and frequent transactions.
往來帳戶或支票帳戶就是爲了經常和頻繁的存款和取款而設的。
J:But I've never been charged.
雅各布斯：但是，我卻從來沒有爲此付過費用。
C:Well,most banks rarely invoke that regulation .
職員：哦，大多數銀行很少實行那條規定。
金融英語：開立往來帳戶
John Spence is asking a clerk at the First National Bank about current accounts.
約翰·斯彭斯正在向第一國民銀行的一位職員詢問有關往來帳戶的事宜。
Spence:Would you please tell me something about current accounts?I've heard the term,but I'm not sure I understand what it means.
斯彭斯：您能給我講講有關往來帳戶的事嗎?我聽說過這個術語，但是我不完全明白它的含義。
Clerk:The term current account means a demand account ally ,a checking account.
職員：往來帳戶這個術語就是活期帳戶的意思。實際上，就是支票帳戶。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常當我們談論到由企業持有的支票帳房時，我們就使用往來帳戶或者活期帳戶這樣的術語。
S：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是說，作爲個人，我不能開立往來帳戶嗎?
C:No,I don't mean ody ,either a firm or an individual ,may open a current account,
職員：不，我不是那個意思。任何人，無論是企業還是個人都可以開立往來帳戶。
but we normally call individual accounts personal checking accounts 's just a different name for them.
但是，我們一般稱個人帳戶爲個人支票帳戶，這僅僅是帳戶名稱不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那麼您爲什麼稱他們爲活期帳戶呢?
C:That means that the balances in the accounts are subject to withdrawal on demand.
職員：這就是說，帳戶上的餘額便於提取或者便於需要。
In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account .
換句話說，要想從帳戶中提取，只需填寫一張用款需求單或一張支票就可以了。
S:Aren't all accounts like that ?
斯彭斯：並不是所有的帳戶都是這樣做的吧?
C:No,sir or savings accounts actually require a notice to the bank ,
職員：是的，先生。定期存款帳戶或儲蓄帳戶實際上都需要給銀行一個通知，
usually seven days before the depositor has a right to make a withdrawal normal practice ,
通常是七天前通知銀行，存款人才有權力提取存款。
of course ,we usually waive notice and allow immediate withdrawals demand or current accounts ,
當然，一般情況下，我們通常不必提前通知，並且允許立即提款。
however,we cannot ask for such notice .
然而，對於活期帳戶或者往來帳戶我們根本無權要求取款提前通知。
金融英語：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·泰勒向第一國民銀行新開帳戶部門的一個職員詢問定期存款有關事宜。
Taylor:Can you tell me something about time deposits?
泰勒：請您同我談談有關定期存款的事情，好嗎?
I understand the interest rate is much higher for time deposits than regular savings accounts.
據我所知，定期存款的利率比普通儲蓄存款的利率要高得多。
Clerk:Yes,Miss Taylor ,that's offer Time Certificates of Deposit which pay a higher rate of interest than regular deposits do .
職員：是的，泰勒小姐，您說得對。我們這裏提供存款的定期存單，它們的利率高於普通存款。
T:How long do I have to keep the money in the account?
泰勒：存款在帳戶中儲存多久纔可以取?
C:We offer a choice of three,six-or twelve month maturities in most cases.
職員：大多數情況下，我們提供爲期3個月，6個月和12個月的存款期限，您可以從中選擇。
Of course ,we have two-,three-,five-and ten-year plans ,too.
當然，我們也有爲期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於存款時間?
C:Yes,that's right 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 .
當然，存款期越長，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?我估計不會有很多顧客選擇很長的存款期限。
C:No ,most of our customers use the six-or twelve-month course ,you may renew the certificate on maturity if you wish.
職員：您說得對，我們的大多數顧客選用6個月或12個月存款期限。當然，如果您願意的話，當存款到期時，您可以把存單轉期續存。
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麼會比一般存款利息高出那麼多呢?
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：當欠確知顧客將一筆錢儲存一定時期，我們就能夠提供更具有吸引力的利率。
