为您找到与定活两便储蓄存款利率相关的共17个结果：
下面是读文网小编整理的银行英语口语：储蓄存款利息，欢迎大家阅读!
What's the interest rate for the savings account?
储蓄存款的利率是多少?
Do you pay interest on this account?
这种存款付给利息吗?
Please tell me what the annual interest rate is.
请告诉我年利率是多少。
Interest is paid at the rate of 1% per annum at present.
目前每年的利率是1%。
It allows you to earn a little interest on your money.
这可使你从存款中获得一点利息。
The account carries interest of 4%.
该存款有4%的利息。
The interest is added to your account every year.
每年的利息都加到你的存款中。
The interest rate for the savings account is 4%.
储蓄存款的利率是4%。
It varies from time to time. At present it is 6%.
(年息)每个时期都不同，现在是六厘。
Useful Words and Phrases
interest rate 利率
simple interest 单利
compound interest 复利
legal interest 法定利息
prime rate 优待利率
payable interest 应付利息
lending rate 贷款利率
usury 高利贷
the subsidy rate for value-preserved savings 保值储蓄补贴率
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活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。下面是读文网小编整理的关于活期存折和储蓄存款的介绍，欢迎大家阅读！
The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit or withdrawal. According to the different methods of deposit or withdrawal, there are four types of savings deposits: current passbook deposit, current check deposit, time-demand optional deposit, debit card deposit and notice deposit, etc.
活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
Current passbook deposit is the most fundamental and conventional method of bank deposits. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients' financial asset managements.活期存折储蓄存款是银行最基本、常用的存款方式，客户可随时存取款，自由、灵活调动资金，是客户进行各项理财活动的基础。
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活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawal and transfer on an ATM, and consumption at the specially engaged shops;申办与之配套的电子借记卡，可在ATM机上办理取款及转账等银行业务，可在特约商户购物消费;
2.To handle salary payment service on agency;办理代发薪服务;
3.To apply for telephone banking service;申请电话银行服务;
4.To make an automatic banking.通存通兑。
A client with a current passbook deposit account may handle the deposit or the withdrawal at any savings office with the passbook.
客户只要开立活期储蓄存款账户，便可以持存折在任一银行储蓄网点办理存取款业务。
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活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
Current passbook deposit is the most fundamental and conventional method of bank deposits. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients’ financial asset managements.活期存折储蓄存款是银行最基本、常用的存款方式，客户可随时存取款，自由、灵活调动资金，是客户进行各项理财活动的基础。
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下面是读文网小编整理的关于外币储蓄存款的讲解， 希望对大家有帮助。
All Chinese residents holding foreign currencies are permitted to open accounts of C-type foreign currency deposit.
凡持有外币的中国境内居民均可以开立丙种外币存款账户。
The Bank adopts the principle of separate management for accounts of deposit in foreign exchange and foreign banknotes, i.e. accounts of foreign exchange and accounts of foreign banknotes.
银行对外汇或外币现钞存入采取不同账户管理原则，即区分外汇账户和外钞账户。
1.Accounts of Foreign Exchange (Foreign Exchange Accounts)
1、外汇账户(简称外汇户)
All convertible foreign exchange remitted, brought or mailed into the territory from abroad may be deposited in the foreign exchange accounts. For foreign currency bills for which prompt payment may not be made, they are to be collected by the Bank, and, when collected, deposited in the Bank.
凡从境外汇入、携入或寄入的可自由兑换的外汇可存入外汇账户。不能立即付款的外币票据，需经银行办理托收，收托后方可入账。
2.Accounts of Foreign Banknotes (Foreign Banknotes Accounts)
2、外钞账户(简称外钞户)
All convertible foreign banknotes brought in the territory from abroad may be deposited in the foreign banknotes accounts.
凡从境外携入的可自由兑换的外币现钞，存入外钞账户。
In opening an account of B-type foreign currency deposits, the depositor shall present his or her passport, the residence certificate or other valid credentials for all foreigners or Chinese of foreign nationalities.
In opening an account of C-type foreign currency deposits, the depositor shall present his or her ID card or other valid credentials.
开立乙种外币存款账户时，外籍储户可凭其护照，居民证明或其他有效身份证件。
开立丙种外币存款账户时，储户可凭其护照，居民证明或其他有效身份证件。
The types of currencies that may directly be deposited in foreign bank-notes accounts include: U.S. dollar, Pound sterling, Euro, Japanese yen, and Hong Kong dollar, the types of currencies that may directly be deposited in foreign exchange accounts, aside from the above-mentioned five types, also include: Canadian dollar, Swiss franc, Belgium franc, Netherlands guilder, and Australian dollar. For other convertible foreign currencies, the depositor may choose any of the above-mentioned currencies and deposit after conversion according to the foreign exchange quotations on that day.
可直接存入外钞存款账户的货币种类有：美元、英镑、欧元、日元、港币等货币;可直接存入外汇存款账户的货币除上述五种外，还有：加拿大元、瑞士法郎、比利时法郎、荷兰盾、澳大利亚元等货币。其它可自由兑换的外币由存款人自由选择上述之一种，按当日外汇牌价折算存入。
Savings Deposits
活期存款
Foreign currency savings deposits may be kept in the account of deposit certificate or checking account. They may be deposited and withdrawn at any time. The minimum amount for such deposit is foreign currencies with a value not less than the equivalent of RMB 100 yuan for a B-type account of deposit, or foreign currencies with a value not less than the equivalent of 20 RMB yuan for a C-type account of deposit.
外币活期存款为存折户和支票户，可随时存取，开户起存金额：乙种账户存款为不低于人民币100元的等值外币;丙种账户存款为不低于人民币20元的等值外币。
Time Deposits
定期存款
Time Deposits of Lump-sum Deposit and Lump-sum Withdrawal
整存整取定期存款
Time deposits of lump-sum deposit and lump-sum withdrawal are fixed deposits that are deposited by lump-sum, and whose principal and interest are paid by lump-sum upon maturity. The terms of deposit are divided into five grades: 1 month, 3 months, 6 months, 1 year or 2 years. The Bank issues registered certificates of deposit for such deposits.
整存整取定期存款为固定存期，一次存入，到期一次支取本息，存期分为1个月、3个月，6个月，1年，2年五个档次。银行出具记名式存单。
Foreign currencies with a value not less than the equivalent of 500 RMB yuan for a B-type deposit, or foreign currencies with a value not less than the equivalent of RMB50 yuan for a C-type deposit. Such deposit may be withdrawn fully or partially prior to maturity for once, or, upon authorization in advance, handled on agency renewal of depositing upon maturity by the bank.
乙种存款为不低于人民币500元的等值外币;丙种存款为不低于人民币50元的等值外币。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。
Savings/Time Optional Deposits
定活两便存款
Savings/time optional deposit in foreign currency are registered deposit without fixed amount, without definite maturity, whose interest rate varies in line with the length of maturity. The minimum amount of deposit is the foreign currency with a value not less than the equivalent of 50 RMB yuan. The longest maturity is 1 year, and the interest is computed at a discount rate relevant to the corresponding grade of interest rate for time deposits of lump-sum depositing and lump-sum withdrawal according to the actual number of days deposited. The interest is computed with reference to interest rate of the RMB Time/Current Optional Deposits.
外币定活两便存款是一种不确定存期，利率随存期长短而变动的记名式不定额存款。起存金额不低于人民币50元的等值外币。存期最长为1年，按实存天数，符合整存整取定期存款哪个档次就按该档次利率打折计息。计息参照“人民币定活两便储蓄存款”。
Seven-day Notice Deposit
七天通知存款
The principal is deposited in a lump-sum for a maturity of not less than seven days. The minimum amount of deposit is the foreign currency with a value not less than the equivalent 5,000 RMB yuan. For the withdrawal of such deposit, the Bank shall be informed in writing seven days ahead of time.一次性存入本金，存期不少于7天，起存金额不低于5,000元人民币的等值外币。支取存款需在7天前书面通知银行。
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The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit and withdrawal. According to the different methods of deposit and withdrawal, there are five types of savings deposit: current passbook deposit, current check deposit, time-demand optional deposit, debit card deposit and notice deposit.
活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
1.A Current All-In-One passbook may be issued to you and a debit card may be applied for at the same time at any savings office after you transact the deposit and deposit 50,000 RMB yuan in a lump sum.
1、客户在银行办理存款手续，一次性存入50,000元人民币，即可获得活期一本通存折，并可同时申请借记卡。
2.At the time of account opening, the client may choose the method of withdrawal by password or with the passbook. If the method of withdrawal by password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller of the bank. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others.
2、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，客户须当场选择一个6位数字输入作为该活期储蓄账户的密码，在柜台上的密码器上输入，包括银行经办人员在内的其他人都无法知道密码。密码相当于您取款的一把钥匙，必须牢记，不可泄露他人。
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The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit or withdrawal. According to the different methods of deposit or withdrawal, there are four types of savings deposits: current passbook deposit, current check deposit, time-demand optional deposit, debit card deposit and notice deposit, etc.
活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawal and transfer on an ATM, and consumption at the specially engaged shops;申办与之配套的电子借记卡，可在ATM机上办理取款及转账等银行业务，可在特约商户购物消费;
2.To handle salary payment service on agency;办理代发薪服务;
3.To apply for telephone banking service;申请电话银行服务;
4.To make an automatic banking.通存通兑。
A client with a current passbook deposit account may handle the deposit or the withdrawal at any savings office with the passbook.
客户只要开立活期储蓄存款账户，便可以持存折在任一银行储蓄网点办理存取款业务。
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导语：活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。下面是读文网小编整理的银行英语理论：活期存折、储蓄存款，欢迎大家阅读！
1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawal and transfer on an ATM, and consumption at the specially engaged shops;申办与之配套的电子借记卡，可在ATM机上办理取款及转账等银行业务，可在特约商户购物消费;
2.To handle salary payment service on agency;办理代发薪服务;
3.To apply for telephone banking service;申请电话银行服务;
4.To make an automatic banking.通存通兑。
A client with a current passbook deposit account may handle the deposit or the withdrawal at any savings office with the passbook.
客户只要开立活期储蓄存款账户，便可以持存折在任一银行储蓄网点办理存取款业务。
IV. Procedures for Account Opening开户手续
1.A deposit passbook may be issued to you and a debit card may be applied for at the same time at any savings office after you fill out a deposit slip and deposit a certain amount of cash(1 RMB yuan at least)
在各银行任一分支机构填写存款凭条，存入一定数额现金(起存1元人民币)，即可获得活期储蓄存折并可同时申请借记卡。
2.At the time of account opening, the client may choose the method of withdrawal by password or with a passbook. If the method of withdrawal by password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others.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，客户须当场选择一个6位数字输入作为该活期储蓄账户的密码，在柜台上的密码器上输入，包括银行经办人员在内的其他人都无法知道密码。密码相当于您取款的一把钥匙，必须牢记，不可泄露他人。
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名词解释：存款利率指客户按照约定条件存入银行帐户的货币，一定时间内利息额同贷出金额即本金的利率。有活期利率和定期利率之分，有年/月/日利率之分。你知道怎么用英语表达吗?
China is set to fully liberalize its interest rate within one or two years, in a bid to further reform the financial sector, the Central Bank governor Zhou Xiaochuan said on Tuesday at a news briefing during the two sessions.
"We will let the market play its due role in interest rate liberalization. That's for sure," Zhou said. "Deposit rate is set to ease within one or two years. It's part of our plan."
He added that interest rates will possibly go up, but will eventually level in the longer term due to market forces and competition.
央行行长周小川本周二在两会上的一次新闻发布会中说道，中国将在一两年内全面开放利率，旨在进一步改革其金融部门。
周小川说：“我们将让市场在利率放开中发挥应有的作用，这是肯定的。存款利率放开将在最近的一两年内实现。这是我们计划的一部分。”
他补充道，利率可能会出现上升，但受市场力量和竞争影响，在长远看，最终会被拉平。
文中的deposit rate就是“存款利率”的意思，其中deposit用作名词，解释为“存款”，如deposit account(存款账户)、a current deposit(活期存款)、a fixed deposit(定期存款)。deposit的反义词是withdrawal(提款)。
第二段中的news briefing是“新闻发布会”的意思，也可以翻译成press conference、press briefing等。
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下面是读文网小编为大家带来银行英语双语阅读：活期存折和储蓄存款，欢迎大家学习!
The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit or withdrawal. According to the different methods of deposit or withdrawal, there are four types of savings deposits: current passbook deposit, current check deposit, time-demand optional deposit, debit card deposit and notice deposit, etc.
活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
Current passbook deposit is the most fundamental and conventional method of bank deposits. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients’ financial asset managements.活期存折储蓄存款是银行最基本、常用的存款方式，客户可随时存取款，自由、灵活调动资金，是客户进行各项理财活动的基础。
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小编为大家整理了银行英语储蓄存款利息口语，希望对你有帮助哦!
interest rate 利率
simple interest 单利
compound interest 复利
legal interest 法定利息
prime rate 优待利率
payable interest 应付利息
lending rate 贷款利率
usury 高利贷
the subsidy rate for value-preserved savings 保值储蓄补贴率
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活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。接下来小编为大家整理什么是活期储蓄存款，希望对你有帮助哦!
The savings deposit is a method of deposit that sets no limits on maturity date, time and amount of deposit and withdrawal. According to the different methods of deposit and withdrawal, there are four types of savings deposit: current passbook deposit, currentdeposit with check, time-demand optional deposit, debit card deposit and notice deposit.
Currentdeposit with check is defined as one that does not have a definite term with the minimum amount of at least 5,000 RMB yuan in the account; that is guaranteed by client's own standing, and the depositors can make deposits and withdrawals by a current check from the check account at any time after you are issued with a check book by the savings office.
Currentdeposit with check is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients' financial asset managements.
Aside from the functions of deposit and withdrawal, a current passbook deposit account also has the following functions:
1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops;
2.To handle salary payment service on agency;
3.To apply for telephone banking service;
4.To make an automatic banking.
A client with a current passbook deposit account may handle the deposit or the withdrawal at any banking institution with the current check.
A checkbook may be issued to you after you fill out a deposit slip and deposit a certain amount of cash (5,000 RMB yuan at least) at any banking outlets.
活期储蓄存款是指不确定存期、客户可随时存取款、存取金额不限的一种储蓄方式。按其存取款方式，活期储蓄存款又可分为活期存折存款、活期支票存款、定活两便存款、借记卡及通知存款等。
活期支票存款是指不确定存期，起存金额为5,000元人民币，以个人信用为保证，开户后由储蓄机构发给支票簿，凭活期支票在支票账户中支取款项的一种储蓄方式。
活期支票存款是银行最基本、常用的存款方式，客户可随时存取款，自由、灵活调动资金，是客户进行各项理财活动的基础。
活期支票存款账户除了具有存取款功能外，还有以下功能：
1、申办与之配套的电子借记卡，可在ATM机上办理取款及转账等银行业务，可在特约商户购物消费;
2、办理代发薪服务;
3、申请电话银行服务;
4、通存通兑。
客户只要开立活期支票存款账户，便可以持活期支票在任一银行机构办理存取款业务。
在银行任一分支机构填写存款凭条，存入一定数额现金(起存金额5,000元人民币)，即可获得活期支票簿。
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外币储蓄存款是指银行吸收自然人外汇资金的业务。银行可为存款人开立外汇账户和外币现钞账户。接下来小编为大家整理什么是外币储蓄存款，希望对你有帮助哦!
All convertible foreign banknotes brought in the territory from abroad may be deposited in the foreign banknotes accounts.
In opening an account of B-type foreign currency deposits, the depositor shall present his or her passport, the residence certificate or other valid credentials for all foreigners or Chinese of foreign nationalities.
In opening an account of C-type foreign currency deposits, the depositor shall present his or her ID card or other valid credentials.
The types of currencies that may directly be deposited in foreign bank-notes accounts include: U.S. dollar, Pound sterling, Euro, Japanese yen, and Hong Kong dollar, the types of currencies that may directly be deposited in foreign exchange accounts, aside from the above-mentioned five types, also include: Canadian dollar, Swiss franc, Belgium franc, Netherlands guilder, and Australian dollar. For other convertible foreign currencies, the depositor may choose any of the above-mentioned currencies and deposit after conversion according to the foreign exchange quotations on that day.
Foreign currency savings deposits may be kept in the account of deposit certificate or checking account. They may be deposited and withdrawn at any time. The minimum amount for such deposit is foreign currencies with a value not less than the equivalent of RMB 100 yuan for a B-type account of deposit, or foreign currencies with a value not less than the equivalent of 20 RMB yuan for a C-type account of deposit.
Time deposits of lump-sum deposit and lump-sum withdrawal are fixed deposits that are deposited by lump-sum, and whose principal and interest are paid by lump-sum upon maturity. The terms of deposit are divided into five grades: 1 month, 3 months, 6 months, 1 year or 2 years. The Bank issues registered certificates of deposit for such deposits.
Foreign currencies with a value not less than the equivalent of 500 RMB yuan for a B-type deposit, or foreign currencies with a value not less than the equivalent of RMB50 yuan for a C-type deposit. Such deposit may be withdrawn fully or partially prior to maturity for once, or, upon authorization in advance, handled on agency renewal of depositing upon maturity by the bank.
Savings/time optional deposit in foreign currency are registered deposit without fixed amount, without definite maturity, whose interest rate varies in line with the length of maturity. The minimum amount of deposit is the foreign currency with a value not less than the equivalent of 50 RMB yuan. The longest maturity is 1 year, and the interest is computed at a discount rate relevant to the corresponding grade of interest rate for time deposits of lump-sum depositing and lump-sum withdrawal according to the actual number of days deposited. The interest is computed with reference to interest rate of the RMB Time/Current Optional Deposits.
The principal is deposited in a lump-sum for a maturity of not less than seven days. The minimum amount of deposit is the foreign currency with a value not less than the equivalent 5,000 RMB yuan. For the withdrawal of such deposit, the Bank shall be informed in writing seven days ahead of time.
1.乙种外币存款的开户对象
居住在中国境内外、港澳台地区的外国人、外籍华人、华侨、港澳台同胞，均可以本人名义开立本存款账户。
2、丙种外币存款的开户对象
凡持有外币的中国境内居民均可以开立丙种外币存款账户。
银行对外汇或外币现钞存入采取不同账户管理原则，即区分外汇账户和外钞账户。
1、外汇账户(简称外汇户)
凡从境外汇入、携入或寄入的可自由兑换的外汇可存入外汇账户。不能立即付款的外币票据，需经银行办理托收，收托后方可入账。
2、外钞账户(简称外钞户)
凡从境外携入的可自由兑换的外币现钞，存入外钞账户。
开立乙种外币存款账户时，外籍储户可凭其护照，居民证明或其他有效身份证件。
开立丙种外币存款账户时，储户可凭其护照，居民证明或其他有效身份证件。
可直接存入外钞存款账户的货币种类有：美元、英镑、欧元、日元、港币等货币;可直接存入外汇存款账户的货币除上述五种外，还有：加拿大元、瑞士法郎、比利时法郎、荷兰盾、澳大利亚元等货币。其它可自由兑换的外币由存款人自由选择上述之一种，按当日外汇牌价折算存入
外币活期存款为存折户和支票户，可随时存取，开户起存金额：乙种账户存款为不低于人民币100元的等值外币;丙种账户存款为不低于人民币20元的等值外币。
整存整取定期存款为固定存期，一次存入，到期一次支取本息，存期分为1个月、3个月，6个月，1年，2年五个档次。银行出具记名式存单。
乙种存款为不低于人民币500元的等值外币;丙种存款为不低于人民币50元的等值外币。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。
外币定活两便存款是一种不确定存期，利率随存期长短而变动的记名式不定额存款。起存金额不低于人民币50元的等值外币。存期最长为1年，按实存天数，符合整存整取定期存款哪个档次就按该档次利率打折计息。计息参照“人民币定活两便储蓄存款”
一次性存入本金，存期不少于7天，起存金额不低于5,000元人民币的等值外币。支取存款需在7天前书面通知银行。
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定活两便是一种事先不约定存期，一次性存入，一次性支取的储蓄存款，例如资金有较大额度的结余，但在不久的将来须随时全额支取使用时，就可以选择“定活两便”的储蓄存款形式。接下来小编为大家整理定活两便储蓄存款介绍，希望对你有帮助哦!
Time-demand optional deposit is defined as one that does not have a definite term with the minimum amount of 50 RMB yuan in the account; that depositors can make deposits or withdrawals at any time without subject to amount limits after you are issued a deposit certificate or deposit passbook by the savings office. The certificate of deposit has two kinds: registered or unregistered. The unregistered certificate can't be reported loss. The passbook must be registered. The registered certificate or passbook can be reported loss.
Time-demand optional deposit is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients' financial asset managements. Such deposit boasts the flexibility of withdrawal at any time as a savings deposit, and also enjoys a preferential interest rate approaching that for time deposit.
Aside from the functions of deposit and withdrawal, a current passbook deposit account also has the following functions:
1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops;
2.To handle salary payment service on agency;
3.To apply for telephone banking service;
4.To make an automatic banking.
A client with a current passbook deposit account may handle the deposit or the withdrawal at any savings office with the passbook.
1.A passbook may be issued to you and a debit card may be applied for at the same time at any savings office after you fill out a deposit slip and deposit a certain amount of cash (RMB 1 yuan at least).
2.At the time of account opening, the client may choose the method of withdrawal by password. If the method of withdrawal password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller of the bank. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others.
定活两便储蓄存款是指不确定存期，起存金额为50元人民币，开户后由储蓄机构发给存单或存折，存户凭存单(折)存取款，存取金额不受限制的一种储蓄方式。存单有两种类型：记名存单和不记名存单。不记名存单不能挂失。存折必须记名，记名存单(折)可以挂失。
定活两便储蓄存款是银行最基本、常用的存款方式。客户可随时存取款，自由、灵活调动资金，是客户进行各项理财活动的基础。该种储蓄具有活期储蓄存款可随时支取的灵活性，又能享受到接近定期存款利率的优惠。
活期储蓄账户除了具有存取款功能外，还有以下功能：
1、申办与之配套的电子借记卡，可在ATM机上办理取款及转账等银行业务，可在特约商户购物消费;
2、办理代发薪服务;
3、申请电话银行服务;
4、通存通兑。
客户只要开立活期储蓄存款账户，便可以持存折在任一银行储蓄网点办理存取款业务。
1、在各银行任一分支机构填写存款凭条，存入一定数额现金(起存1元)，即可获得活期储蓄存折并可同时申请借记卡。
2、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，客户须当场选择一个6位数字输入作为该活期储蓄账户的密码，在柜台上的密码器上输入，包括银行经办人员在内的其他人都无法知道密码。密码相当于您取款的一把钥匙，必须牢记，不可泄露他人。
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储蓄是指城乡居民将暂时不用或结余的货币收入存入银行或其他金融机构的一种存款活动。又称储蓄存款。储蓄存款是信用机构的一项重要资金来源。接下来小编为大家整理储蓄存款应该怎么挂失，希望对你有帮助哦!
If a certificate of deposit, a bank passbook or a seal of a client is lost or stolen, or the password is forgotten, the loss reporting may be handled at the bank as the following procedures:
The client shall immediately handle the written loss reporting procedures at the original depository bank. In reporting loss, the client shall present the personal credentials (ID card, residence permit, passport, etc.) and also provide the related deposit information such as account, account holder's name, time of account opening, amount, type of currency and maturity. The loss reporting may be accepted after the bank certifies them correct, and the bank confirms that the payment has not been made before the loss reporting is handled. If the client can not be present at the bank in handling the loss reporting, he or she may authorize another person to handle it on his / her behalf and at the same time the credentials of the agent shall be presented. The loss reporting of password may not be handled on agency.
1、如挂失前存款已被人冒领，银行不予受理。
2、海外侨胞、港澳台同胞遗失国内存折要求挂失，而本人不能回国办手续的，可委托国内亲友代办并出具代办挂失授权书，由受托人持证件办理(授权书须由我国驻该国领使馆公证)。
3、办理挂失时，客户须填写储蓄挂失申请书，其中一联回单由客户留存，并在7日后持申请书及本人身份证件到开户行领取新存折办理转存或取现手续。
4、客户如有客观原因不能及时或亲自到银行办理挂失，可先口头、信函或电话请求临时挂失，然后在5日内到开户行办理正式挂失手续，否则挂失不再有效。
5、活期存折可在任何一个储蓄所办理临时挂失手续，正式书面挂失则须到开户行办理。
6、正式办理挂失后，原遗失的存折如找回，客户可持身份证到银行取消存折挂失状态，并交回挂失申请书回执，原存折即可继续使用。撤销挂失不能通过函电方式办理。
7、已开具存款证明和办理质押的存单(折)，不得挂失。
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利率是经济学中一个重要的金融变量，几乎所有的金融现象、金融资产均与利率有着或多或少的联系。接下来小编为大家整理了什么是利息和利率，希望对你有帮助哦!
Interest is a reward which is paid by the borrower to the lender for a loan. It always coexists with credit. Where there is Credit, there should be interest.
Banks in China charge the state-owned enterprises, collective economic firms and foreign investment companies with interest for granting loans to them. On the other hand, banks pay interest to enterprise deposits and individual savings.
Interest rate, that is the ratio between the amount of the interest and that of the capital of a deposit or a loan in a certain period usually expressed in percent per annum, is formulated in China by the government according to the state's economic policies and the need of accumulation of funds. It is put under the centralized and unified management by the People's Bank of China. All the specialized banks and other financial institutions have to implement the interest rate stipulated by the State Council. An appropriate interest rate is always regarded as one of the effective levers in the national economic activities.
The interest rate of bank's loan is higher than that of deposit or savings. The balance between them is commonly called interest difference, which is the primary source of bank's income.
利息是借款人因使用贷款而支付给贷款人的报酬，它总是与信用相伴而生。哪里有信用，哪里就有利息。
中国的银行向国有企业、集体经济实体和外商投资公司提供贷款，并收取利息。另一方面，银行向企业存款和个人储蓄支付利息。
利率是在一定时期内利息金额与存款或贷款本金金额的比率，通常按年以百分比表示，它是根据国家经济政策和积累资金的需要由政府统一制订的，由中国人民银行集中统一管理。所有专业银行和其他金融机构必须执行国务院制订的利率。一个适当的利率常常被看作是国民经济活动中有力的杠杆之一。
银行贷款的利率高于存款或储蓄的利率。存贷款之间的差额通常被称为利差，是银行收入的主要来源。
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利率表示一定时期内利息量与本金的比率，通常用百分比表示，按年计算则称为年利率。那么你知道利率用英语怎么说吗?下面读文网小编为大家带来利率的英语说法，供大家参考学习。
优惠利率 preferential interest rate
贷款利率 lending rate
名义利率 Nominal Interest Rate
优待利率 prime rate
实质利率 Real Interest Rate
实现利率 Realized interest rate
利率交换 Interest Rate Swap
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