金融英语考试辅导:开立往来帐户相关阅读

 　　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 withdrawal¹ 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 savings² 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 waive³ notice and allow immediate⁴ withdrawals⁵ .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。

1 withdrawal   

n.取回，提款；撤退，撤军；收回，撤销

参考例句：

• The police were forced to make a tactical withdrawal.警方被迫进行战术撤退。
• They insisted upon a withdrawal of the statement and a public apology.他们坚持要收回那些话并公开道歉。

2 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

3 waive   

vt.放弃，不坚持(规定、要求、权力等)

参考例句：

• I'll record to our habitat office waive our claim immediately.我立即写信给咱们的总公司提出放弃索赔。
• In view of the unusual circumstances,they agree to waive their requirement.鉴于特殊情况，他们同意放弃他们的要求。

4 immediate   

adj.立即的；直接的，最接近的；紧靠的

参考例句：

• His immediate neighbours felt it their duty to call.他的近邻认为他们有责任去拜访。
• We declared ourselves for the immediate convocation of the meeting.我们主张立即召开这个会议。

5 withdrawals   

n.收回，取回，撤回( withdrawal的名词复数 )；撤退，撤走；收回[取回，撤回，撤退，撤走]的实例；推出（组织），提走（存款），戒除毒瘾，对说过的话收回，孤僻

参考例句：

• He has made several withdrawals from his bank account. 他从银行账户上提了几次款。 来自《简明英汉词典》
• It is not the bank's policy to deduct interest on withdrawals. 提款需扣除利息这并非是本银行的政策。 来自辞典例句