为您找到与什么是零存整取与定期存款相关的共3个结果:
The time Deposit is a method of bank deposit with a definite date of maturity, made for one time or by many times on schedule (during the appointed deposit term),or withdrawn together with the interest in a lump sum or by installment.
According to the way of deposit and withdrawal, the time deposit has the following categories: lump-sum deposit & withdrawing, small savings for lump-sum withdrawal, interest withdrawal on a principal deposited, big money saving and small withdrawing time deposit,etc.
定期储蓄是在存款时约定存期,一次或按期分次(在约定存期)存入本金,整笔或分期支取本金利息的一种储蓄形式。
按存取方式定期储蓄分为整存整取定期储蓄存款、零存整取定期储蓄存款、存本取息定期储蓄存款、整存零取定期储蓄存款等。
1. Such deposit is deposited monthly with a certain amount of deposit, and suitable for depositors with fixed income.
1、零存整取定期储蓄存款逐月存储,存款金额固定,适合有固定收入的储户。
2. Time deposit of small savings for lump-sum withdrawal has the characteristics of long maturity and high interest rate, and suitable for depositing of savings that will not be used within a quite long period of time, which is specifically meet the depositor’s needs for accumulated funds on schedule.
2、该种储蓄具有期限长、利率高的特点,适用于较长时期不用的节余款项的存储,特别适合于储户按计划积累资金的需要。
3. The deposit amount is set by the depositor. He can deposit money at a time every month. The interest rate is computed at the same rate on the lump-sum deposit & withdrawal time deposit. If there is any omission of deposit within the agreed period, you must make up the amount next month. Falure to make it up, the interest will be calculated on the real amount of deposit and the real deposit term, and the interest rate will accord to the rate on savings deposit at the time of withdrawal.
3、存款金额由储户自定,每月存入一次,到期支取本息,其利息计算方法与整存整取定期储蓄存款计息方法一致。中途如有漏存,应在次月补齐,未补存者,视同违约,对违约后存入的部分,到期支取时按实存金额和实际存期,以活期利率计算利息。
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下面读文网小编为大家带来金融英语关于定期存款情景对话,欢迎大家学习!
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职员询问定期存款有关事宜。
Taylor:Can you tell me something about time deposits?
泰勒:请您同我谈谈有关定期存款的事情,好吗?
I understand the interest rate is much higher for time deposits than regular savings accounts.
据我所知,定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 .
职员:是的,泰勒小姐,您说得对。我们这里提供存款的定期存单,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久才可以取?
C:We offer a choice of three,six-or twelve month maturities in most cases.
职员:大多数情况下,我们提供为期3个月,6个月和12个月的存款期限,您可以从中选择。
Of course ,we have two-,three-,five-and ten-year plans ,too.
当然,我们也有为期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:利息是多少是不是取决于存款时间?
C:Yes,that's right .But you must determine what maturity you want in the beginning .
职员:是这样的。但是您必须事先确定您的存款期限。
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:哪一种期限是最受欢迎的呢?我估计不会有很多顾客选择很长的存款期限。
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.
职员:您说得对,我们的大多数顾客选用6个月或12个月存款期限。当然,如果您愿意的话,当存款到期时,您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:定期存款的利怎能怎么会比一般存款利息高出那么多呢?
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 .
职员:当欠确知顾客将一笔钱储存一定时期,我们就能够提供更具有吸引力的利率。
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零存整取定期储蓄是指在存入款项时不约定存期,支取时事先通知银行,约定支取存款日期和金额的一种个人存款方式。接下来小编为大家整理什么是零存整取定期储蓄,希望对你有帮助哦!
Time deposit of small savings for lump-sum withdrawal refers to savings deposit whose terms are agreed, and whose fixed amount is deposited every month when opening an account. The minimum amount of deposit is 5 RMB yuan and the maturities range from three grades: 1 year, 3 years and 5 years.
1、开立零存整取定期储蓄存款账户时,储户可凭其身份证或其他有效身份证件。
2、本存款可允许全部或部分提前支取一次,也可预约由银行代办到期转期续存。
3、开户时可选择凭密码取款或凭存折取款方式,如选择凭密码取款方式,储户须当场在柜台上的密码器上输入一个6位数字作为账户的密码。
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