New Words新单词
　　anxious adj.担心的，焦急的
　　available adj.可用的，可得到的
　　option n.选择权
　　maturity n.（票据等的）到期
　　emergency n.紧急
　　mature v.到期
　　Phrases & Expressions短语
　　regular savings account普通储蓄帐户
　　time deposit定期存款
　　time certificate of deposit定期存款单
　　the stated interest return规定所归还的利息
　　W:Liu Bing, I have two thousand yuan for the cost of this term,
　　王琳：刘萍，我从家带来2000元供这一学期的生活费，
　　enough to last from now until summer vacation.
　　维持到暑假看来已足够。
　　I feel anxious about carrying around such a large sum. What should I do?
　　带着这么多钱我觉得不放心，我该怎么办？
　　L:Let me think. You can deposit one half as regular savings accounts and another half as timedeposits.
　　刘萍：让我想想。你可以拿其中一半作为活期存款，另一半作为定期存款。
　　W:That’s a good idea. Will they earn a similar rate?
　　王琳：这主意很好。那么存款利率是否一样呢？
　　L:The interest rate for time deposits is much higher than regular savings account.
　　刘萍：定期存款的利率要比活期存款高得多。
　　W:How long do I have to keep the money in the account?
　　王琳：那么我的定期存款应该多长呢？
　　L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
　　刘萍：储蓄所在在大多数情况下备有三种定期存款，即分三个月，半年和一年。
　　They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
　　另外，他们还提供2年，3年，5年或10年的长期定期存款。
　　W:For us only the short-time deposits are available. Does the rate go up depending on how longyou keep the certificate?
　　王：对我们来说，短期存款合适。是否存款时间越长利率也就越高呢？
　　L:Yes, of course. It would seem that three month time deposits are the best option for you.
　　刘：是的，那当然啦。看来对你来说三个月的定期存款是最好的选择。
　　W:I agree with you. Tomorrow, let’s go to the bank to deposit my money.
　　王：我同意你的看法，明天咱们俩就去银行存款。
　　L:Yes, I want to deposit mine, too.
　　刘：好，我自己也要去存款。
　　W:What maturities are the most popular?
　　王琳：哪一种期限最普遍？
　　L:Most people use the six or twelve-months plans, of course,
　　L：大部分人都选用半年或一年的期限。当然啦，
　　they may renew the certificate on maturity if they wish.
　　到期后人们还可以续存。
　　W:What if the customer needs the money for an emergency before the certificate matures? Canhe get it out?
　　王：假如存款人由于急用要提前取款，那又如何处理呢？他能否把款提出呢？
　　L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date ifnecessary.
　　刘：当然可以，在必要的情况下可以在到期之前提前取款。
　　W:What will happen?
　　王：那情况会怎样？
　　L:He just won’t receive the stated interest return.
　　刘：他就不能拿到预先规定的定期利息。
　　W:What a loss!
　　王：那真可惜！
　　L:So if you want to have a high rate of return, don’t withdraw your cash before the end of thecertificated period.
　　刘萍：所以你想要获得较高的利息就不要在到期之前提取存款。
　　W:Good idea.
　　王：好主意。