金融英語口語聽力教程第18課：帳戶規(guī)章與條例

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Account Rules and Regulations

帳戶規(guī)章與條例

Situation 18

情景 18

Leah Jacobs has just opened a savings account at the First National Bank.She is asking a clerk about the meaning of the rules and regulations printed on her passbook.

利厄·雅各布斯剛剛在第一國民銀行開立了一個儲蓄帳戶，她正在向一個職員詢問有關印在存折上的各項規(guī)章與條例的含義。

Do you mean that I have to give you notice before I can make a withdrawal?

您是說，在我取款之前，得事先給您一個通知嗎?

Clerk:Yes,Mrs.Jacobs,it technically means that .All banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.

職員：是的，雅各布斯夫人。從法律角度上看，它是這個意思。所有銀行都可能需要一個事先通知，取款人才有權從儲蓄帳戶和其他附息的帳戶中取出所需求的款項。

J:How much notice must I give ?

雅各布斯：我需要提前多少時間通知銀行?

C:Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .

職員：象許多其他銀行一樣，我們銀行可能要求7天前通知。但實際工作中，在沒有提前通知的情況下，我們也會滿足您的取款要求。

Of course ,the bank has the option of enforcing the rule should it be necessary .

當然啦，如果必要的話，銀行是有權利按照這一條規(guī)定來做的。

J:That's amazing .I never knew that before .

雅各布斯：這倒令我吃驚，以前我從來不知道這些。

C:You'll find that all banks are required to have the same rule .

職員：您會發(fā)現(xiàn)，所有的銀行都有這些同樣的規(guī)章。

J:I guess I've never read the fine print on my passbook before.

雅各布斯：我可能還從來沒讀過我存折上的這些很小的印刷字體。

This next item says that there is a service charge for more than two transactions a month .

下面一條講到，如果在一個月內有兩次以上存取款，就要收取手續(xù)費。

C;Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.

職員：是的，雅各布斯夫人。同樣，這也是屬于法定條例。

The main reason is to discourage the use of savings accounts for frequent transactions .

這是因為銀行不鼓勵使用儲蓄帳戶進行過于頻繁的存取款活動。

Current ,or checking,accounts are designed for regular and frequent transactions.

往來帳戶或支票帳戶就是為了經(jīng)常和頻繁的存款和取款而設的。

J:But I've never been charged.

雅各布斯：但是，我卻從來沒有為此付過費用。

C:Well,most banks rarely invoke that regulation .

職員：哦，大多數(shù)銀行很少實行那條規(guī)定。