金融英語(yǔ)口語(yǔ)聽(tīng)力教程第15課：定期存款(一)

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Time Deposits(1)

定期存款(一)

Situation 15

情景 15

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(guó)民銀行新開(kāi)帳戶(hù)部門(mén)的一個(gè)職員詢(xún)問(wèn)定期存款有關(guān)事宜。

Taylor:Can you tell me something about time deposits?

泰勒：請(qǐng)您同我談?wù)動(dòng)嘘P(guān)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(jù)我所知，定期存款的利率比普通儲(chǔ)蓄存款的利率要高得多。

Clerk:Yes,Miss Taylor ,that's correct.We 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(shuō)得對(duì)。我們這里提供存款的定期存單，它們的利率高于普通存款。

T:How long do I have to keep the money in the account?

泰勒：存款在帳戶(hù)中儲(chǔ)存多久才可以取?

C:We offer a choice of three,six-or twelve month maturities in most cases.

職員：大多數(shù)情況下，我們提供為期3個(gè)月，6個(gè)月和12個(gè)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(dāng)然，我們也有為期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于存款時(shí)間?

C:Yes,that's right .But 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(dāng)然，存款期越長(zhǎng)，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(jì)不會(huì)有很多顧客選擇很長(zhǎng)的存款期限。

C:No ,most of our customers use the six-or twelve-month plans.Of course ,you may renew the certificate on maturity if you wish.

職員：您說(shuō)得對(duì)，我們的大多數(shù)顧客選用6個(gè)月或12個(gè)月存款期限。當(dāng)然，如果您愿意的話(huà)，當(dāng)存款到期時(shí)，您可以把存單轉(zhuǎn)期續(xù)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么會(huì)比一般存款利息高出那么多呢?

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(dāng)欠確知顧客將一筆錢(qián)儲(chǔ)存一定時(shí)期，我們就能夠提供更具有吸引力的利率。