金融英語口語 6.Time Deposit

[00:00.86]新單詞 [00:01.72]anxious adj. [00:02.25]擔心的，焦急的 [00:02.77]available adj. [00:03.54]可用的，可得到的 [00:04.31]option n. [00:05.09]選擇權 [00:05.88]maturity n. [00:06.70](票據(jù)等的)到期 [00:07.52]emergency n. [00:08.33]緊急 [00:09.14]mature v. [00:09.80]到期 [00:10.45]Phrases & Expressions [00:11.60]短語 [00:12.75]regular savings account [00:13.87]普通儲蓄帳戶 [00:14.99]time deposit [00:15.90]定期存款 [00:16.80]time certificate of deposit [00:17.99]定期存款單 [00:19.17]the stated interest return [00:20.45]規(guī)定所歸還的利息 [00:21.73]W:Liu Bing, I have two thousand yuan for the cost of this term, [00:23.88]王琳：劉萍，我從家?guī)?000元供這一學期的生活費， [00:26.02]enough to last from now until summer vacation. [00:27.78]維持到暑假看來已足夠。 [00:29.54]I feel anxious about carrying around such a large sum. What should I do? [00:32.25]帶著這么多錢我覺得不放心，我該怎么辦? [00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits. [00:39.18]劉萍：讓我想想。你可以拿其中一半作為活期存款，另一半作為定期存款。 [00:43.42]W:That's a good idea. Will they earn a similar rate? [00:45.51]王琳：這主意很好。那么存款利率是否一樣呢? [00:47.60]L:The interest rate for time deposits is much higher than regular savings account. [00:50.48]劉萍：定期存款的利率要比活期存款高得多。 [00:53.37]W:How long do I have to keep the money in the account? [00:54.86]王琳：那么我的定期存款應該多長呢? [00:56.35]L:The savings banks offer a choice of three, six or twelve - month maturities in most cases. [00:59.39]劉萍：儲蓄所在在大多數(shù)情況下備有三種定期存款，即分三個月，半年和一年。 [01:02.43]They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms. [01:05.32]另外，他們還提供2年，3年，5年或10年的長期定期存款。 [01:08.21]W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate? [01:11.86]王：對我們來說，短期存款合適。是否存款時間越長利率也就越高呢? [01:15.52]L:Yes, of course. It would seem that three month time deposits are the best option for you. [01:18.21]劉：是的，那當然啦?？磥韺δ銇碚f三個月的定期存款是最好的選擇。 [01:20.90]W:I agree with you. Tomorrow, let's go to the bank to deposit my money. [01:23.23]王：我同意你的看法，明天咱們倆就去銀行存款。 [01:25.55]L:Yes, I want to deposit mine, too. [01:27.12]劉：好，我自己也要去存款。 [01:28.69]W:What maturities are the most popular? [01:29.90]王琳：哪一種期限最普遍? [01:31.12]L:Most people use the six or twelve-months plans, of course, [01:32.76]L：大部分人都選用半年或一年的期限。當然啦， [01:34.41]they may renew the certificate on maturity if they wish. [01:36.13]到期后人們還可以續(xù)存。 [01:37.85]W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out? [01:41.43]王：假如存款人由于急用要提前取款，那又如何處理呢?他能否把款提出呢? [01:45.01]L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary. [01:48.49]劉：當然可以，在必要的情況下可以在到期之前提前取款。 [01:51.96]W:What will happen? [01:52.86]王：那情況會怎樣? [01:53.76]L:He just won't receive the stated interest return. [01:55.36]劉：他就不能拿到預先規(guī)定的定期利息。 [01:56.95]W:What a loss! [01:57.88]王：那真可惜! [01:58.80]L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period. [02:02.45]劉萍：所以你想要獲得較高的利息就不要在到期之前提取存款。 [02:06.09]W:Good idea. [02:06.89]王：好主意。

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