为您找到与美国银行定期存款相关的共2个结果:
下面是读文网小编整理的美国银行业务办理指导,欢迎大家阅读!
A modern bank provides many services other than checking accounts. One of the most important of these is regular passbook savings.
If you went to a bank to open a savings account, you would go through almost the same procedures followed in applying for a checking account. First you would be asked to fill out a signature card. Then you would be given a passbook in which your initial deposit would be recorded. All deposits and withdrawals from your account are entered into your passbook. This means that the passbook contains an actual record of all transactions made and that you know the exact amount of savings you have at any one time. With a regular passbook savings account, you would be able to withdraw money whenever you needed it. All you would have to do is to fill out a withdrawal order and present it, along with your passbook, to the teller.
All banks pay interest on savings account. The interest rate varies from bank to bank, but the general range is from 4 1/2 to 6 percent. Banks also pay interest at different times. But the majority of them pay semiannually -- that is, every six months. Suppose, for example, that on January 1, you deposited $1,000 in a bank that paid 4 1/2 percent interest semiannually. By July 1, you would have earned $ 22.50 interest. This interest would automatically be credited to your account; and if you left it in the bank, along with your original deposit, you would receive interest on $1,022.50 for the next six-month period. That is, your interest would be compounded.
现代银行提供除支票账户之外的许多业务,其中最重要的业务之一是定期存折储蓄账户。
如果你到银行开立储蓄账户,你会经历与申请支票账户所需的相同手续。首先,你需要填写印鉴卡。然后,你会得到一本记录起始存款金额的存折。账户上的所有存取款都记入存折。这就是说,存折记载一切交易的真实情况,而且你会随时了解到准确的账面存款余额。有了定期存折储蓄账户,无论你何时需要都能够取款。你需要做的事情就是填写取款单,然后将它和存折一起递交给银行出纳员。
所有银行对储蓄账户都要支付利息,各银行的利率也不一样,但变化范围通常在年利率4 1/2%到6%之间。各银行支付利息的时间也不一样,大多数都是半年,即每隔六个月付一次利息。例如,假定一月一日,你存了1,000美元,银行每隔半年按4 1/2%的利率支付利息,到七月一日你就会挣到22.50美元利息,这笔利息就会自动记到你的账上。如果你不支取,它将并入原有的存款,在以后的六个月里,你将得到按本金1,022.50美元计算的利息。也就是说,你的利息是按复利计算的。
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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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