金融英語口語聽力教程第16課：定期存款(二)

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Time Deposits (2)

定期存款(二)

Situation 16

情景 16

Judy Taylor continues talking with the New Accounts clerk about Time Certificates of Deposit.

裘德·泰勒與負(fù)責(zé)新開帳戶的職員繼續(xù)談?wù)撚嘘P(guān)定期存單的事。

Taylor:What if I need the money for an emergency before the certificate matures?Can I get it out ,then ?

泰勒：假如在存款到期之前，我為應(yīng)付緊急情況，需要用那筆錢該怎么辦?那時(shí)能不能把款取出來?

Clerk:Yes,of course ,you may withdraw your funds by cashing in your certificate before the maturity date if this becomes necessary .

職員：當(dāng)然可以。如果需要的話，您可以在存單的到期之前取你您存單中的現(xiàn)金。

But ,in this case ,you would not receive the stated interest return.

但是，在這種情況下，您不能獲得原定利息，

The high rates of return that are offered are valid only if the certificate is maintained for the full length of the contracted period.

只有當(dāng)存單到期，所提供的高利率才能生效。

T:You mean I would lose all my interest?

泰勒：您的意思是說，我會失去所有的利息?

C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .

職員：不，不是全部的，我行會考慮到您的要求將您的存單兌現(xiàn)。由于您提前取款，我們要根據(jù)當(dāng)時(shí)牌價(jià)標(biāo)準(zhǔn)付給您利息。

T;How much is that rate?

泰勒：那么利率應(yīng)是多少呢?

C:I can't give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.

職員：我不可能給您一個(gè)確切數(shù)子，泰勒小姐，因?yàn)樗请S著普通存款利率而浮動的。

As you know ,our regular savings rate changes periodically in accordance with the interest earnings rate allowed for commercial banks .

您知道，我們的一般存款利率是按照商業(yè)銀行所允許的利率定期性的變化。

That rate is posted on the bulletin board in the lobby as required by bank rules .

接照銀行的規(guī)定，所說的這個(gè)比率表就貼在大廳里布告板上。

T:So,you mean that I would be subject to a penalty if I had to cash in the certificates before the date they mature .

泰勒：那么您是說，如果我在定期存單到期日之前不得不兌現(xiàn)的話，我就要為此而受到罰款。

C:Yes,that's right .That's why we encourage our clients to select the terms and balances carefully before they commit themselves to Time Certificates of Deposit.

職員：是這樣的。這就是為什么我們希望顧客在承諾定期存款之前，應(yīng)認(rèn)真地選擇存款期限和存款額。