金融英语口语 6.Time Deposit

[00:00.86]新单词 [00:01.72]anxious adj. [00:02.25]担心的，焦急的 [00:02.77]available adj. [00:03.54]可用的，可得到的 [00:04.31]option n. [00:05.09]选择权 [00:05.88]maturity n. [00:06.70](票据等的)到期 [00:07.52]emergency n. [00:08.33]紧急 [00:09.14]mature v. [00:09.80]到期 [00:10.45]Phrases & Expressions [00:11.60]短语 [00:12.75]regular savings account [00:13.87]普通储蓄帐户 [00:14.99]time deposit [00:15.90]定期存款 [00:16.80]time certificate of deposit [00:17.99]定期存款单 [00:19.17]the stated interest return [00:20.45]规定所归还的利息 [00:21.73]W:Liu Bing, I have two thousand yuan for the cost of this term, [00:23.88]王琳：刘萍，我从家带来2000元供这一学期的生活费， [00:26.02]enough to last from now until summer vacation. [00:27.78]维持到暑假看来已足够。 [00:29.54]I feel anxious about carrying around such a large sum. What should I do? [00:32.25]带着这么多钱我觉得不放心，我该怎么办? [00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits. [00:39.18]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。 [00:43.42]W:That's a good idea. Will they earn a similar rate? [00:45.51]王琳：这主意很好。那么存款利率是否一样呢? [00:47.60]L:The interest rate for time deposits is much higher than regular savings account. [00:50.48]刘萍：定期存款的利率要比活期存款高得多。 [00:53.37]W:How long do I have to keep the money in the account? [00:54.86]王琳：那么我的定期存款应该多长呢? [00:56.35]L:The savings banks offer a choice of three, six or twelve - month maturities in most cases. [00:59.39]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。 [01:02.43]They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms. [01:05.32]另外，他们还提供2年，3年，5年或10年的长期定期存款。 [01:08.21]W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate? [01:11.86]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? [01:15.52]L:Yes, of course. It would seem that three month time deposits are the best option for you. [01:18.21]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。 [01:20.90]W:I agree with you. Tomorrow, let's go to the bank to deposit my money. [01:23.23]王：我同意你的看法，明天咱们俩就去银行存款。 [01:25.55]L:Yes, I want to deposit mine, too. [01:27.12]刘：好，我自己也要去存款。 [01:28.69]W:What maturities are the most popular? [01:29.90]王琳：哪一种期限最普遍? [01:31.12]L:Most people use the six or twelve-months plans, of course, [01:32.76]L：大部分人都选用半年或一年的期限。当然啦， [01:34.41]they may renew the certificate on maturity if they wish. [01:36.13]到期后人们还可以续存。 [01:37.85]W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out? [01:41.43]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? [01:45.01]L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary. [01:48.49]刘：当然可以，在必要的情况下可以在到期之前提前取款。 [01:51.96]W:What will happen? [01:52.86]王：那情况会怎样? [01:53.76]L:He just won't receive the stated interest return. [01:55.36]刘：他就不能拿到预先规定的定期利息。 [01:56.95]W:What a loss! [01:57.88]王：那真可惜! [01:58.80]L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period. [02:02.45]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。 [02:06.09]W:Good idea. [02:06.89]王：好主意。

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