評論
打印
Time Deposits(1)
定期存款(一)
Judy Taylor is asking a clerk in the New Accounts Department at the First National Bank about time deposits.
裘德·泰勒向第一國民銀行新開帳戶部門的一個職員詢問定期存款有關事宜。
Taylor:Can you tell me something about time deposits?
泰勒：請您同我談談有關定期存款的事情，好嗎?
I understand the interest rate is much higher for time deposits than regular savings accounts.
據我所知，定期存款的利率比普通儲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，您說得對。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：存款在帳戶中儲存多久才可以取?
C:We offer a choice of three,six-or twelve month maturities in most cases.
職員：大多數情況下，我們提供為期3個月，6個月和12個月的存款期限，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 .
當然，存款期越長，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?我估計不會有很多顧客選擇很長的存款期限。
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：您說得對，我們的大多數顧客選用6個月或12個月存款期限。當然，如果您愿意的話，當存款到期時，您可以把存單轉期續存。
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：當欠確知顧客將一筆錢儲存一定時期，我們就能夠提供更具有吸引力的利率。
