金融英語(yǔ)口語(yǔ)聽(tīng)力教程第21課：特種儲(chǔ)蓄章程

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Special Savings Plans

特種儲(chǔ)蓄章程

Situation 21

情景 21

Sally Berklin wants information about the Savings Bond plan at the First National Bank.

薩利·伯克蘭在第一國(guó)民銀行想得知一些有關(guān)儲(chǔ)蓄債券章程的信息，

She is talking to the manager of the Savings Department .

她正在和儲(chǔ)蓄部門經(jīng)理談話。

Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type of account ,too?

伯克蘭：您所說(shuō)的儲(chǔ)蓄債券章程是什么意思?我是否也能使用這種帳戶呢?

Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers our highest rate of interest for long-term savers.

經(jīng)理：當(dāng)然可以，我們向所有顧客提供這種帳戶。我們的儲(chǔ)蓄債券章程對(duì)長(zhǎng)期存款儲(chǔ)戶提供最高利率。

Actually ,they are certificates of deposit for maturities of six to ten years ,

實(shí)際上它們是定期為6到10年的存單，

and are available in any amount from $5,000 to $100,000.

存款額從5，000美元到100，000美元的任何定期存單。

B:Oh,they are only for people with lots of money .

伯克蘭：哦，這個(gè)章程只是為那些很有錢的人設(shè)立的。

M:Well ,actually you'd be surprised at the number of middle-income people who use this program ,especially retired people.

經(jīng)理：實(shí)際上，相當(dāng)多的中等收入的人特別是退休的人都用這種章程，您會(huì)對(duì)其使用人數(shù)之多感到驚奇。

You see ,we pay accumulated interest by bank check every quarter.

您看，我們每個(gè)委度都以銀行支票的形式向顧客支付累計(jì)利息，

So they are almost like an investment plan .

因此，這些存款幾乎就是一筆投資規(guī)劃。

B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?

伯克蘭：聽(tīng)起來(lái)真不錯(cuò)，但是如果我不得不提前兌現(xiàn)儲(chǔ)蓄債券怎么辦?

M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a time deposit .

經(jīng)理：很遺憾，就象提前支取定期存款一樣，您得接受一定罰款。

But we encourage customers not to buy Savings Bonds unless they are reasonably sure they can hold them until matuity .

但是，我們希望顧客們十分確信有把握直到期滿才支取存款，再來(lái)購(gòu)買儲(chǔ)蓄債券。

B;They sound like an excellent investment idea,especially the advantage of receiving earned interest every three months .

伯克蘭：聽(tīng)起來(lái)這是個(gè)極好的投資辦法，特別是每3個(gè)月就能得到利息的好處。

I'll consider placing some of my savings in Savings Bonds as soon as I save enough.

等我把錢攢夠了，我馬一考慮把我的一部分積蓄換成儲(chǔ)蓄債券。