金融英语口语:开立往来帐户

来源:金融英语    发布时间:2013-01-20    金融英语辅导视频    评论

  Opening a Current Account
  开立往来帐户
  Situation 17
  情景 17
  John Spence is asking a clerk at the First National Bank aboutcurrent accounts.
  约翰·斯彭斯正在向第一国民银行的一位职员询问有关往来帐户的事宜。
  Spence:Would you please tell me something about current accounts?I’ve heard the term,but I’mnot sure I understand what it means.
  斯彭斯:您能给我讲讲有关往来帐户的事吗?我听说过这个术语,但是我不完全明白它的含义。
  Clerk:The term current account means a demand account .Actually ,a checking account.
  职员:往来帐户这个术语就是活期帐户的意思。实际上,就是支票帐户。
  Normally ,we use the term current or demand account when we talk about a checking accountmaintained by a business firm.
  通常当我们谈论到由企业持有的支票帐房时,我们就使用往来帐户或者活期帐户这样的术语。
  S:Oh ,so you mean that I can’t open a current account as an individual?
  斯彭斯:哦,您是说,作为个人,我不能开立往来帐户吗?
  C:No,I don’t mean that.Anybody ,either a firm or an individual ,may open a current account,
  职员:不,我不是那个意思。任何人,无论是企业还是个人都可以开立往来帐户。
  but we normally call individual accounts personal checking accounts .That’s just a different namefor them.
  但是,我们一般称个人帐户为个人支票帐户,这仅仅是帐户名称不同而已。
  S:Why do you call them demand accounts ,then ?
  斯彭斯:那么您为什么称他们为活期帐户呢?
  C:That means that the balances in the accounts are subject to withdrawal on demand.
  职员:这就是说,帐户上的余额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 theaccount .
  换句话说,要想从帐户中提取,只需填写一张用款需求单或一张支票就可以了。
  S:Aren’t all accounts like that ?
  斯彭斯:并不是所有的帐户都是这样做的吧?
  C:No,sir .Time or savings accounts actually require a notice to the bank ,
  职员:是的,先生。定期存款帐户或储蓄帐户实际上都需要给银行一个通知,
  usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
  通常是七天前通知银行,存款人才有权力提取存款。
  of course ,we usually waive notice and allow immediate withdrawals .In demand or currentaccounts ,
  当然,一般情况下,我们通常不必提前通知,并且允许立即提款。
  however,we cannot ask for such notice .
  然而,对于活期帐户或者往来帐户我们根本无权要求取款提前通知。

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