有關銀行賬戶情景對話
有關銀行賬戶情景對話
下面學習啦小編為大家帶來金融英語有關銀行賬戶情景對話，歡迎大家學習!
有關銀行賬戶情景對話：開立儲蓄帳戶
Henry Samson is asking a clerk at the First National Bank about opening a regular savings account.
亨利·薩姆森在第一國民銀行向一個職員詢問有關開立普通儲蓄帳戶事宜。
Clerk:May I help you ,sir?
職員：我能為您做些什么嗎?先生?
Samson:Yes,please .I'd like to open a savings account .Can you give me some information?
薩姆森：謝謝，我想開立一個儲蓄帳戶。請您和我談談這方面的事，好嗎?
C:Yes,I'd be happy to help you .We call our regular savings account plan passbook savings.
職員：好的，我很樂意為您服務。我們把我們的銀行的普通儲蓄帳戶稱為銀行存折儲蓄。
You may open an account in your name only ,or a joint account with your wife.
您可以只用您自己的名字開立帳戶，也可以與您的妻子開立共同帳戶。
There is no minimum balance ,and you may make deposits or withdrawals at any time .
我們這里沒存款最小余額的限制，而且可隨時存款或取款。
S:Do I earn interest on the account ?
薩姆森：我能從帳戶上得到利息嗎?
C:Yes,we pay the highest interest rate permitted for commercial banks .
職員：可以的。我們這里支付商業銀行所允許的最高利率。
We credit the earned interest to your account automatically every quarter.
每個季度，我們會自動地把利息劃入您的帳戶的貸方。
S:Is it difficult to open an account?I mean ,do I have to be a regular customer of the bank?
薩姆森：開立一個帳戶難嗎?我是說，我必須是銀行的老客戶嗎?
C:No ,sir.not at all.All that's necessary is to fill out this signature card and make your initial deposit .
職員：不，先生，完全不必。您所需要做的只是填寫一下這張簽名卡，并進行首次儲蓄，
Even a dollar is enough to open the account .
甚至一美元就可開立一個帳戶。
S:Let's see .You want my name,address,occupation ,date of birth and Social Security number .
薩姆森：讓我看看這張卡片。你要我填上姓名、住址、職業、出生日期和社會保險號碼。
What's this item here,"Mother's Maiden Name"?
母親婚前姓名這一項是怎么回事?
C:We ask that for identification purposes ,sir .It's a code word we use to positively identify you in case you lose your passbook or there is some other need for positive identification .
職員：我們要求這一姓名是為人便于辨別身份，先生。這是一個暗語，萬一您丟失了您的存折，我們可以用它來確切地辨別您的身份，或者由于某種需要，用以準確地辨認身份。
S:I see.Well,let me fill this out and I'll open an account.
薩姆森：我明白了，那我就填寫這張卡片，然后開立一個帳戶。
有關銀行賬戶情景對話：開立往來帳戶
John Spence is asking a clerk at the First National Bank about current accounts.
約翰·斯彭斯正在向第一國民銀行的一位職員詢問有關往來帳戶的事宜。
Spence:Would you please tell me something about current accounts?I've heard the term,but I'm not sure I understand what it means.
斯彭斯：您能給我講講有關往來帳戶的事嗎?我聽說過這個術語，但是我不完全明白它的含義。
Clerk:The term current account means a demand account .Actually ,a checking account.
職員：往來帳戶這個術語就是活期帳戶的意思。實際上，就是支票帳戶。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常當我們談論到由企業持有的支票帳房時，我們就使用往來帳戶或者活期帳戶這樣的術語。
S：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是說，作為個人，我不能開立往來帳戶嗎?
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account,
職員：不，我不是那個意思。任何人，無論是企業還是個人都可以開立往來帳戶。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是，我們一般稱個人帳戶為個人支票帳戶，這僅僅是帳戶名稱不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那么您為什么稱他們為活期帳戶呢?
C:That means that the balances in the accounts are subject to withdrawal on demand.
職員：這就是說，帳戶上的余額便于提取或者便于需要。
In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account .
換句話說，要想從帳戶中提取，只需填寫一張用款需求單或一張支票就可以了。
S:Aren't all accounts like that ?
斯彭斯：并不是所有的帳戶都是這樣做的吧?
C:No,sir .Time or savings accounts actually require a notice to the bank ,
職員：是的，先生。定期存款帳戶或儲蓄帳戶實際上都需要給銀行一個通知，
usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
通常是七天前通知銀行，存款人才有權力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
當然，一般情況下，我們通常不必提前通知，并且允許立即提款。
however,we cannot ask for such notice .
然而，對于活期帳戶或者往來帳戶我們根本無權要求取款提前通知。