關于定期、活期存款的知識講解（雙語）

　　活期儲蓄存款是指不確定存期、客戶可隨時存取款、存取金額不限的一種儲蓄方式。按其存取款方式，活期儲蓄存款又可分為活期存折存款、活期支票存款、定活兩便存款、借記卡及通知存款等。

　　I.Definition

　　一、定義

　　Time-demand optional deposit is defined as one that does not have a definite term with the minimum amount of 50 RMB yuan in the account; that depositors can make deposits or withdrawals at any time without subject to amount limits after you are issued a deposit certificate or deposit passbook by the savings office. The certificate of deposit has two kinds: registered or unregistered. The unregistered certificate can't be reported loss. The passbook must be registered. The registered certificate or passbook can be reported loss.

　　定活兩便儲蓄存款是指不確定存期，起存金額為50元人民幣，開戶后由儲蓄機構發(fā)給存單或存折，存戶憑存單(折)存取款，存取金額不受限制的一種儲蓄方式。存單有兩種類型：記名存單和不記名存單。不記名存單不能掛失。存折必須記名，記名存單(折)可以掛失。

　　II.Service Features

　　二、業(yè)務特點

　　Time-demand optional deposit is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients' financial asset managements. Such deposit boasts the flexibility of withdrawal at any time as a savings deposit, and also enjoys a preferential interest rate approaching that for time deposit.

　　定活兩便儲蓄存款是銀行最基本、常用的存款方式。客戶可隨時存取款，自由、靈活調動資金，是客戶進行各項理財活動的基礎。該種儲蓄具有活期儲蓄存款可隨時支取的靈活性，又能享受到接近定期存款利率的優(yōu)惠。

　　III. Functions

　　三、功能

　　Aside from the functions of deposit and withdrawal, a current passbook deposit account also has the following functions:

　　活期儲蓄賬戶除了具有存取款功能外，還有以下功能：

　　1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops;

　　1、申辦與之配套的電子借記卡，可在ATM機上辦理取款及轉賬等銀行業(yè)務，可在特約商戶購物消費;

　　2.To handle salary payment service on agency;

　　2、辦理代發(fā)薪服務;

　　3.To apply for telephone banking service;

　　3、申請電話銀行服務;

　　4.To make an automatic banking.

　　4、通存通兌。

　　A client with a current passbook deposit account may handle the deposit or the withdrawal at any savings office with the passbook.　　客戶只要開立活期儲蓄存款賬戶，便可以持存折在任一銀行儲蓄網點辦理存取款業(yè)務。

　　IV. Procedures for Account Opening

　　四、開戶手續(xù)

　　1.A passbook may be issued to you and a debit card may be applied for at the same time at any savings office after you fill out a deposit slip and deposit a certain amount of cash (RMB 1 yuan at least).

　　1、在各銀行任一分支機構填寫存款憑條，存入一定數額現金(起存1元)，即可獲得活期儲蓄存折并可同時申請借記卡。

　　2.At the time of account opening, the client may choose the method of withdrawal by password. If the method of withdrawal password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller of the bank. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others.

　　2、開戶時可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，客戶須當場選擇一個6位數字輸入作為該活期儲蓄賬戶的密碼，在柜臺上的密碼器上輸入，包括銀行經辦人員在內的其他人都無法知道密碼。密碼相當于您取款的一把鑰匙，必須牢記，不可泄露他人。