金融英语阅读：存款账户 |
文章来源： 文章作者： 发布时间：2007-04-09 00:10 字体： [ 大 中 小] 进入论坛 |
(单词翻译:双击或拖选)
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| Deposit accounts, together with savings1 accounts, represent the simplest form of bank account. The customer deposits funds and withdraws them as required. No chequebook is issued on this type of account. Therefore, the formalities of opening an account are simple, Often there is no need for a reference, the customer's name, address and occupation, together with a specimen2 signature and an initial deposit being all that are needed. |
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存款账户，和储蓄账户一起，是银行账户的基本形式，客户按规定存、取款。此种类型的账户不能开支票，所以，开户的手续很简单。一般无需证明人，只需客户的姓名、住址、职业，连同签字样本和开户金额即可。 |
| Payments into a deposit account, which can consist of cash, cheques, postal3 orders and so on, may be made at the branch where the account is maintained or at any other branch of the bank. Funds may be withdrawn4 to the amount of the credit balance on the account normally only at the branch where it is maintained, although some banks do permit limited withdrawals6 at other branches. Withdrawals are subject to the required period of notice -- often seven days. But in practice, prior notice is not always insisted upon, provided that the amounts required are not too large. |
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客户可以用现金、支票、邮局汇款单等，在开户行或任何其他营业网点，向其存款账户上存款。客户一般只能从开户行有贷方余额的账户上取款，虽然有的银行确实允许在其他营业网点限额取款。取款需事先通知，一般要提前七天。但在实际操作中，只要提取的金额不大，并不一定非要提前通知。 |
| No overdrafts7 are permitted and a customer may generally not draw a cheque on a deposit account. When a deposit account customer has a large bill to pay and does not wish to carry cash, the bank can issue a cheque drawn5 on an account maintained. Especially for this purpose,the customer's deposit account is debited8, the special account credited and a cheque issued to the customer for the amount required. When a customer maintains both a deposit and a current accounts at the same branch, funds can be transferred from one to the other freely, so that if the deposit account funds are required to pay a bill, the appropriate sum may be switched to the current account and a cheque issued. |
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存款账户不允许透支，客户一般也不开支票从存款账户上取款。当存款账户的客户需要支付一笔大额账单，又不想携带现金，银行可以签发一张从现有账户付款的支票。尤其在这种情况下，可以借记客户的存款账户，贷记专用账户和向客户开出所需金额的支票。当客户在一家营业网点既有存款账户又有往来账户，资金可以从一个账户随意地划拨到另一个账户上，以便在客户要求从其存款账户上支付账单的情况下，所需金额就可 |
点击  收听单词发音
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savings
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| 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。
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2
specimen
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| n.样本，标本 |
参考例句： |
- You'll need tweezers to hold up the specimen.你要用镊子来夹这标本。
- This specimen is richly variegated in colour.这件标本上有很多颜色。
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3
postal
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| adj.邮政的，邮局的 |
参考例句： |
- A postal network now covers the whole country.邮路遍及全国。
- Remember to use postal code.勿忘使用邮政编码。
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4
withdrawn
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| vt.收回；使退出；vi.撤退，退出 |
参考例句： |
- Our force has been withdrawn from the danger area.我们的军队已从危险地区撤出。
- All foreign troops should be withdrawn to their own countries.一切外国军队都应撤回本国去。
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5
drawn
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| v.拖，拉，拔出；adj.憔悴的，紧张的 |
参考例句： |
- All the characters in the story are drawn from life.故事中的所有人物都取材于生活。
- Her gaze was drawn irresistibly to the scene outside.她的目光禁不住被外面的风景所吸引。
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6
withdrawals
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| 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
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7
overdrafts
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| 透支，透支额( overdraft的名词复数 ) |
参考例句： |
- Can the Direct Deposit Advance Service be used to prevent overdrafts? 直接存款预支服务可用来防止透支？
- Debt represents bank loans and overdrafts less cash and deposits with banks. 债项指银行贷款及透支减现金及银行存款。
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8
debited
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| v.记入（账户）的借方( debit的过去式和过去分词 ) |
参考例句： |
- Your current account is automatically debited with the amount of your purchase. 你购物的金额会自动记入账戶借方。 来自《简明英汉词典》
- The money will be debited from your account. 钱会记入你账戶的借方。 来自《简明英汉词典》
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