2012金融英语考试口语辅导:Time Deposit

  • 时间:2012-02-06 来源:http://edu.chinawuliu.com.cn 责任编辑:外语考试论坛

  New Words新单词
  anxious adj.担忧的,焦心的
  available adj.可用的,可获得的
  option n.选择权
  maturity n.(单据等的)到期
  emergency n.紧迫
  mature v.到期
  Phrases & Expressions短语
  regular savings account通俗储蓄帐户
  time deposit按期存款
  time certificate of deposit按期存款单
  the stated interest return划定所了偿的利息
  W:Liu Bing, I have two thousand yuan for the cost of this term,
  王琳:刘萍,我巨匠带来2000元供这一学期的糊口费,
  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?
  带着这么多钱我感受不安心,我该怎么办?
  L:Let me think. You can deposit one half as regular savings accounts and another half as timedeposits.
  刘萍:让我想想。你可以拿其一一半作为活期存款,另一半作为按期存款。
  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:按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:那么我的按期存款应该多长呢?
  L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
  刘萍:储蓄地址在大大都情形下备有三种按期存款,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.
  此外,他们还供给2年,3年,5年或10年的持久按期存款。
  W:For us only the short-time deposits are available. Does the rate go up depending on how longyou keep the certificate?
  王:对我们来说,短期存款合适。是否存款时刻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按期存款是最好的选择。
  W:I agree with you. Tomorrow, let’s go to the bank to deposit my money.
  王:我赞成你的观点,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:哪一种刻日最普遍?
  L:Most people use the six or twelve-months plans, of course,
  L:大部门人都选用半年或一年的刻日。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? Canhe get it out?
  王:假如存款人因为急用要提前取款,那又若何措置呢?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 ifnecessary.
  刘:当然可以,在需要的情形下可以在到期之前提前取款。
  W:What will happen?
  王:那情形会若何?
  L:He just won’t receive the stated interest return.
  刘:他就不能拿到预先划定的按期利息。
  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 thecertificated 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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