Time Deposits
按期存款（一）
Situation 15
情景 15
Judy Taylor is asking a clerk in the New Accounts Department at the First National Bank about time deposits.
裘德·泰勒向第一国民银行新开帐户部门的一个员工询问按期存款有关事宜。
Taylor:Can you tell me something about time deposits?
泰勒：请你同我谈谈有关按期存款的事情，怎么样？
I understand the interest rate is much higher for time deposits than regular savings accounts.
据我所知，按期存款的利率比普通储蓄存款的利率要高得多。
Clerk:Yes,Miss Taylor ,that's correct.We offer Time Certificates of Deposit which pay a higher rate of interest than regular deposits do .
员工：是的，泰勒小姐，你说得对。大家这里提供存款的按期存单，它们的利率高于普通存款。
T:How long do I have to keep the money in the account?
泰勒：存款在帐户中储存多长时间才能取？
C:We offer a choice of three,six-or twelve month maturities in most cases.
员工：大部分状况下，大家提供为期3个月，6个月和12个月的存款期限，你可以从中选择。
Of course ,we have two-,three-,five-and ten-year plans ,too.
当然，大家也有为期2年、3年、5年和10年的存款期限。
T;Does the rate go up depending on how long you keep the certificate?
泰勒：利息是多少是否取决于存款时间？
C:Yes,that's right .But you must determine what maturity you want in the beginning .
员工：是如此的。但你需要事先确定你的存款期限。
Naturally ,certificates with the longer maturities bear a higher rate of return .
当然，存款期越长，利率就越高。
T:What maturities are the most popular?I assume that not many customers invest for the very long terms .
泰勒：哪一种期限是欢迎的呢？我估计不会有不少客户选择非常长的存款期限。
C:No ,most of our customers use the six-or twelve-month plans.Of course ,you may renew the certificate on maturity if you wish.
员工：你说得对，大家的大部分客户使用6个月或12个月存款期限。当然，假如你想的话，当存款到期时，你可以把存单转期续存。
T;How come the rate is so much higher than the regular savings rate?
泰勒：按期存款的利怎能如何会比一般存款利息高出那样多呢？
C:We can offer a more attractive rate of return when we know that the client will maintain the balance for a set period of time .
员工：当欠确知客户将一笔钱储存肯定时期，大家就可以提供更具备吸引力的利率。
Time Deposits
按期存款（二）
Situation 16
情景 16
Judy Taylor continues talking with the New Accounts clerk about Time Certificates of Deposit.
裘德·泰勒与负责新开帐户的员工继续谈论有关按期存单的事。
Taylor:What if I need the money for an emergency before the certificate matures?Can I get it out ,then ?
泰勒：倘若在存款到期之前，我为应对紧急状况，需要用那笔钱该如何解决？那时能否把款取出来？
Clerk:Yes,of course ,you may withdraw your funds by cashing in your certificate before the maturity date if this becomes necessary .
员工：当然可以。假如需要的话，你可以在存单的到期之前取你你存单中的现金。
But ,in this case ,you would not receive the stated interest return.
但，在这样的情况下，你不可以获得原定利息，
The high rates of return that are offered are valid only if the certificate is maintained for the full length of the contracted period.
只有当存单到期，所提供的高利率才能生效。
T:You mean I would lose all my interest?
泰勒：你的意思是说，我会失去所有些利息？
C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .
员工：不，不是全部的，我行会考虑到你的需要将你的存单兑现。因为你提前取款，大家要依据当时牌价标准付给你利息。
T;How much is that rate?
泰勒：那样利率应是多少呢？
C:I can't give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.
员工：我不可能给你一个确切数子，泰勒小姐，由于它是伴随普通存款利率而浮动的。
As you know ,our regular savings rate changes periodically in accordance with the interest earnings rate allowed for commercial banks .
你了解，大家的一般存款利率是根据商业银行所允许的利率按期性的变化。
That rate is posted on the bulletin board in the lobby as required by bank rules .
接照银行的规定，所说的这个比率表就贴在大厅里布告板上。
T:So,you mean that I would be subject to a penalty if I had to cash in the certificates before the date they mature .
泰勒：那样你是说，假如我在按期存单到期日之前不能不兑现的话，我就要为此而遭到罚款。
C:Yes,that's right .That's why we encourage our clients to select the terms and balances carefully before they commit themselves to Time Certificates of Deposit.
员工：是如此的。这就是为何大家期望客户在承诺按期存款之前，应认真地选择存款期限和存款额。
