有關(guān)銀行賬戶情景對(duì)話
有關(guān)銀行賬戶情景對(duì)話
下面學(xué)習(xí)啦小編為大家?guī)?lái)金融英語(yǔ)有關(guān)銀行賬戶情景對(duì)話,歡迎大家學(xué)習(xí)!
有關(guān)銀行賬戶情景對(duì)話:開(kāi)立儲(chǔ)蓄帳戶
Henry Samson is asking a clerk at the First National Bank about opening a regular savings account.
亨利·薩姆森在第一國(guó)民銀行向一個(gè)職員詢(xún)問(wèn)有關(guān)開(kāi)立普通儲(chǔ)蓄帳戶事宜。
Clerk:May I help you ,sir?
職員:我能為您做些什么嗎?先生?
Samson:Yes,please .I'd like to open a savings account .Can you give me some information?
薩姆森:謝謝,我想開(kāi)立一個(gè)儲(chǔ)蓄帳戶。請(qǐng)您和我談?wù)勥@方面的事,好嗎?
C:Yes,I'd be happy to help you .We call our regular savings account plan passbook savings.
職員:好的,我很樂(lè)意為您服務(wù)。我們把我們的銀行的普通儲(chǔ)蓄帳戶稱(chēng)為銀行存折儲(chǔ)蓄。
You may open an account in your name only ,or a joint account with your wife.
您可以只用您自己的名字開(kāi)立帳戶,也可以與您的妻子開(kāi)立共同帳戶。
There is no minimum balance ,and you may make deposits or withdrawals at any time .
我們這里沒(méi)存款最小余額的限制,而且可隨時(shí)存款或取款。
S:Do I earn interest on the account ?
薩姆森:我能從帳戶上得到利息嗎?
C:Yes,we pay the highest interest rate permitted for commercial banks .
職員:可以的。我們這里支付商業(yè)銀行所允許的最高利率。
We credit the earned interest to your account automatically every quarter.
每個(gè)季度,我們會(huì)自動(dòng)地把利息劃入您的帳戶的貸方。
S:Is it difficult to open an account?I mean ,do I have to be a regular customer of the bank?
薩姆森:開(kāi)立一個(gè)帳戶難嗎?我是說(shuō),我必須是銀行的老客戶嗎?
C:No ,sir.not at all.All that's necessary is to fill out this signature card and make your initial deposit .
職員:不,先生,完全不必。您所需要做的只是填寫(xiě)一下這張簽名卡,并進(jìn)行首次儲(chǔ)蓄,
Even a dollar is enough to open the account .
甚至一美元就可開(kāi)立一個(gè)帳戶。
S:Let's see .You want my name,address,occupation ,date of birth and Social Security number .
薩姆森:讓我看看這張卡片。你要我填上姓名、住址、職業(yè)、出生日期和社會(huì)保險(xiǎn)號(hào)碼。
What's this item here,"Mother's Maiden Name"?
母親婚前姓名這一項(xiàng)是怎么回事?
C:We ask that for identification purposes ,sir .It's a code word we use to positively identify you in case you lose your passbook or there is some other need for positive identification .
職員:我們要求這一姓名是為人便于辨別身份,先生。這是一個(gè)暗語(yǔ),萬(wàn)一您丟失了您的存折,我們可以用它來(lái)確切地辨別您的身份,或者由于某種需要,用以準(zhǔn)確地辨認(rèn)身份。
S:I see.Well,let me fill this out and I'll open an account.
薩姆森:我明白了,那我就填寫(xiě)這張卡片,然后開(kāi)立一個(gè)帳戶。
有關(guān)銀行賬戶情景對(duì)話:開(kāi)立往來(lái)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(guó)民銀行的一位職員詢(xún)問(wèn)有關(guān)往來(lái)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(guān)往來(lái)帳戶的事嗎?我聽(tīng)說(shuō)過(guò)這個(gè)術(shù)語(yǔ),但是我不完全明白它的含義。
Clerk:The term current account means a demand account .Actually ,a checking account.
職員:往來(lái)帳戶這個(gè)術(shù)語(yǔ)就是活期帳戶的意思。實(shí)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(dāng)我們談?wù)摰接善髽I(yè)持有的支票帳房時(shí),我們就使用往來(lái)帳戶或者活期帳戶這樣的術(shù)語(yǔ)。
S:Oh ,so you mean that I can't open a current account as an individual?
斯彭斯:哦,您是說(shuō),作為個(gè)人,我不能開(kāi)立往來(lái)帳戶嗎?
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account,
職員:不,我不是那個(gè)意思。任何人,無(wú)論是企業(yè)還是個(gè)人都可以開(kāi)立往來(lái)帳戶。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是,我們一般稱(chēng)個(gè)人帳戶為個(gè)人支票帳戶,這僅僅是帳戶名稱(chēng)不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯:那么您為什么稱(chēng)他們?yōu)榛钇趲裟?
C:That means that the balances in the accounts are subject to withdrawal on demand.
職員:這就是說(shuō),帳戶上的余額便于提取或者便于需要。
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(shuō),要想從帳戶中提取,只需填寫(xiě)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:并不是所有的帳戶都是這樣做的吧?
C:No,sir .Time or savings accounts actually require a notice to the bank ,
職員:是的,先生。定期存款帳戶或儲(chǔ)蓄帳戶實(shí)際上都需要給銀行一個(gè)通知,
usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
通常是七天前通知銀行,存款人才有權(quán)力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
當(dāng)然,一般情況下,我們通常不必提前通知,并且允許立即提款。
however,we cannot ask for such notice .
然而,對(duì)于活期帳戶或者往來(lái)帳戶我們根本無(wú)權(quán)要求取款提前通知。