Opening a Savings Account
开立储蓄帐户
Situation 14
情景 14
Henry Samson is asking a clerk at the First National Bank about opening a regular savings account. 亨利·萨姆森在第一国民银行向一个职员询问有关开立普通储蓄帐户事宜。
Clerk:May I help you ,sir?
职员：我能为您做些什么吗？先生？
Samson:Yes,please .I'd like to open a savings account .Can you give me some information? 萨姆森：谢谢，我想开立一个储蓄帐户。请您和我谈谈这方面的事，好吗？
C:Yes,I'd be happy to help you .We call our regular savings account plan passbook savings.
职员：好的，我很乐意为您服务。我们把我们的银行的普通储蓄帐户称为银行存折储蓄。 You may open an account in your name only ,or a joint account with your wife.
您可以只用您自己的名字开立帐户，也可以与您的妻子开立共同帐户。
There is no minimum balance ,and you may make deposits or withdrawals at any time . 我们这里没存款最小余额的限制，而且可随时存款或取款。
S:Do I earn interest on the account ?
萨姆森：我能从帐户上得到利息吗？
C:Yes,we pay the highest interest rate permitted for commercial banks .
职员：可以的。我们这里支付商业银行所允许的最高利率。
We credit the earned interest to your account automatically every quarter.
每个季度，我们会自动地把利息划入您的帐户的贷方。
S:Is it difficult to open an account?I mean ,do I have to be a regular customer of the bank? 萨姆森：开立一个帐户难吗？我是说，我必须是银行的老客户吗？
C:No ,sir.not at all.All that's necessary is to fill out this signature card and make your initial deposit .
职员：不，先生，完全不必。您所需要做的只是填写一下这张签名卡，并进行首次储蓄， Even a dollar is enough to open the account .
甚至一美元就可开立一个帐户。
S:Let's see .You want my name,address,occupation ,date of birth and Social Security number . 萨姆森：让我看看这张卡片。你要我填上姓名、住址、职业、出生日期和社会保险号码。 What's this item here,"Mother's Maiden Name"?
母亲婚前姓名这一项是怎么回事？
C:We ask that for identification purposes ,sir .It's a code word we use to positively identify you in case you lose your passbook or there is some other need for positive identification .
职员：我们要求这一姓名是为人便于辨别身份，先生。这是一个暗语，万一您丢失了您的存折，我们可以用它来确切地辨别您的身份，或者由于某种需要，用以准确地辨认身份。 S:I see.Well,let me fill this out and I'll open an account.
萨姆森：我明白了，那我就填写这张卡片，然后开立一个帐户。
Time Deposits(1)
定期存款（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。
Time Deposits (2)
定期存款（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职员继续谈论有关定期存单的事。
Taylor:What if I need the money for an emergency before the certificate matures?Can I get it out ,then ?
泰勒：假如在存款到期之前，我为应付紧急情况，需要用那笔钱该怎么办？那时能不能把款取出来？
Clerk:Yes,of course ,you may withdraw your funds by cashing in your certificate before the maturity date if this becomes necessary .
职员：当然可以。如果需要的话，您可以在存单的到期之前取你您存单中的现金。 But ,in this case ,you would not receive the stated interest return.
但是，在这种情况下，您不能获得原定利息，
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：您的意思是说，我会失去所有的利息？
C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .
职员：不，不是全部的，我行会考虑到您的要求将您的存单兑现。由于您提前取款，我们要根据当时牌价标准付给您利息。
T;How much is that rate?
泰勒：那么利率应是多少呢？
C:I can't give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.
职员：我不可能给您一个确切数子，泰勒小姐，因为它是随着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 .
您知道，我们的一般存款利率是按照商业银行所允许的利率定期性的变化。
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：那么您是说，如果我在定期存单到期日之前不得不兑现的话，我就要为此而受到罚款。 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.
职员：是这样的。这就是为什么我们希望顾客在承诺定期存款之前，应认真地选择存款期限和存款额。
Opening a Current Account
开立往来帐户
Situation 17
情景 17
John Spence is asking a clerk at the First National Bank about current accounts.
约翰·斯彭斯正在向第一国民银行的一位职员询问有关往来帐户的事宜。
Spence:Would you please tell me something about current accounts?I've heard the term,but I'm not sure I understand what it means.
斯彭斯：您能给我讲讲有关往来帐户的事吗？我听说过这个术语，但是我不完全明白它的含义。
Clerk:The term current account means a demand account .Actually ,a checking account. 职员：往来帐户这个术语就是活期帐户的意思。实际上，就是支票帐户。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常当我们谈论到由企业持有的支票帐房时，我们就使用往来帐户或者活期帐户这样的术语。
S ：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是说，作为个人，我不能开立往来帐户吗？
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account, 职员：不，我不是那个意思。任何人，无论是企业还是个人都可以开立往来帐户。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是，我们一般称个人帐户为个人支票帐户，这仅仅是帐户名称不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那么您为什么称他们为活期帐户呢？
C:That means that the balances in the accounts are subject to withdrawal on demand.
职员：这就是说，帐户上的余额便于提取或者便于需要。
In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account .
换句话说，要想从帐户中提取，只需填写一张用款需求单或一张支票就可以了。 S:Aren't all accounts like that ?
斯彭斯：并不是所有的帐户都是这样做的吧？
C:No,sir .Time or savings accounts actually require a notice to the bank ,
职员：是的，先生。定期存款帐户或储蓄帐户实际上都需要给银行一个通知，
usually seven days before the depositor has a right to make a withdrawal .In normal practice , 通常是七天前通知银行，存款人才有权力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
当然，一般情况下，我们通常不必提前通知，并且允许立即提款。
however,we cannot ask for such notice .
然而，对于活期帐户或者往来帐户我们根本无权要求取款提前通知。
Account Rules and Regulations
帐户规章与条例
Situation 18
情景 18
Leah Jacobs has just opened a savings account at the First National Bank.She is asking a clerk about the meaning of the rules and regulations printed on her passbook.
利厄·雅各布斯刚刚在第一国民银行开立了一个储蓄帐户，她正在向一个职员询问有关印在存折上的各项规章与条例的含义。
Do you mean that I have to give you notice before I can make a withdrawal?
您是说，在我取款之前，得事先给您一个通知吗？
Clerk:Yes,Mrs.Jacobs,it technically means that .All banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.
职员：是的，雅各布斯夫人。从法律角度上看，它是这个意思。所有银行都可能需要一个事先通知，取款人才有权从储蓄帐户和其他附息的帐户中取出所需求的款项。
J:How much notice must I give ?
雅各布斯：我需要提前多少时间通知银行？
C:Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .
职员：象许多其他银行一样，我们银行可能要求7天前通知。但实际工作中，在没有提前通知的情况下，我们也会满足您的取款要求。
Of course ,the bank has the option of enforcing the rule should it be necessary .
当然啦，如果必要的话，银行是有权利按照这一条规定来做的。
J:That's amazing .I never knew that before .
雅各布斯：这倒令我吃惊，以前我从来不知道这些。
C:You'll find that all banks are required to have the same rule .
职员：您会发现，所有的银行都有这些同样的规章。
J:I guess I've never read the fine print on my passbook before.
雅各布斯：我可能还从来没读过我存折上的这些很小的印刷字体。
This next item says that there is a service charge for more than two transactions a month . 下面一条讲到，如果在一个月内有两次以上存取款，就要收取手续费。
C;Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.
职员：是的，雅各布斯夫人。同样，这也是属于法定条例。
The main reason is to discourage the use of savings accounts for frequent transactions . 这是因为银行不鼓励使用储蓄帐户进行过于频繁的存取款活动。
Current ,or checking,accounts are designed for regular and frequent transactions.
往来帐户或支票帐户就是为了经常和频繁的存款和取款而设的。
J:But I've never been charged.
雅各布斯：但是，我却从来没有为此付过费用。
C:Well,most banks rarely invoke that regulation .
职员：哦，大多数银行很少实行那条规定。
Opening a Personal Checking Account
开立个人支票帐户
Situation 19
情景 19
John Smith is opening a personal checking account at the National City Bank .
约翰·史密斯正在国家城市银行开立个人支票帐户。
Clerk:May I help you ,sir?
职员：我能为您做什么，先生？
Smith :Yes,please .I'd like to open a personal checking account .
史密斯：谢谢！我想开立一个个人支票帐户。
C;Yes,sir .Do you want a regular or a special checking account ?
职员：好的，先生。您想开立普通的还是特殊的支票帐户？
S:I'm not sure what the difference is .
史密斯：我不太清楚它们有什么区别。
C:Special accounts are more economical if you think you'll write fewer than 15 checks each month .
职员：如果您认为您每月开支票少于15张，那么特殊帐户更为经济。
S:I probably won't write many ,just a few checks each month for shopping and paying some bills. 史密斯：我可能不会开那么多张支票，一个月只需几张支票买东西和支付一些帐单就可以了。 C:I think the special account will be best ,then .
职员：我想那您最好是使用特殊支票，
There's no minimum balance required and the service charge is only 20 cents for each check you write .
它没有最小存款余额的限制，而且您开出的每张支票只收取20美分手续费。
S:Yes,I think that's what I need.Can I open the account with this check ?It's my payroll check from my company .
史密斯：好的，我看这正是我所需要的。我可以开这种支票账户吗？这是我所在公司的工资支票。
C:Yes,of course .We'll take your payroll check for $237.00 as your initial deposit .
职员：当然可以，我们将把您的工资237美元作为您的第一笔存款。
Will you please fill out this signature card with your name,address,and occupation ?
请您在这张签名卡片上填写您的姓名、住址和职业。
I'll get a receipt and a checkbook for you while you're completing these forms.
您填写这张卡片时，我来为您准备收据和支票。
S:Can I get my name printed on the checks?
史密斯：可以把我的姓名印在支票上吗？
C;Yes,of course .We offer free personalized checks to all our customers .
职员：当然可以，我们对这里所有顾客免费提供个人支票。
If you would like your address printed on your checks,too,we can do that for a nominal charge . 如果您愿意把您的住址也印在支票上，我们可以照办，为此需收取少许费用。
S:I think I'll just take the free ones.I can always write my address on the checks myself . 史密斯：看来我还选择免费支票，自己把住址写在支票上吧。
Computing Daily Interest
计算日息
Situation 20
情景 20
Donald Craig is asking the New Accounts clerk at the First National Bank about their daily interest advertisements.
唐纳德·克雷格在第一国民银行向一个负责新开帐户的职员询问有关银行的日息广告的事。 Craig:What do you mean when you say daily interest in your advertisements?
克雷格：你们的广告中所说的日息是什么意思？
Clerk:We mean that we compute interest on your account balance every day and credit it to your account on a quarterly basis.
职员：我们的意思是说，我们每日计算您的帐户余额应得利息，并且每个季度把应得利息计入您的帐户的贷方。
Cr:How can you compute the earnings daily ?Isn't that too much trouble ?
克雷格：你们怎么能够每日都计算应得利息呢？那不是太麻烦了吗？
C:Well,actually Mr.Craig ,it's relatively easy to do since we keep all our account records by computer
职员：哦，克雷格先生，实际上做到这一点是比较容易的。因为我们使用计算机储存我们所有的帐户记录，
This enables us to give even better service to our customers .
这样我们就能更好地为我们的顾客服务。
Cr:You really mean ,then ,that you're paying me interest on the interest that I earn if I keep my money in the bank .
克雷格：那么您实际上是说，如果我把钱存入银行，你们就会以复制的形式支付我所赢得的利息了。
C:Yes,that's right.We credit your earned interest automatically to your account and that figures as part of the balance for the next interest-earning period.
职员：是这样的。我们会自动地把您赢得的利息计入您的帐户的货方，而且这些利息成了您的帐户中存款余额的一部分。
It's really an accumulative account which continues to grow and earn returns for you .
再接着计算利息时，这一部分余额也将赢得利息。这的确是个累计帐户，不断地增加数额为您生息。
Cr:What if I withdraw the earned interest each time? Then I lose the advantages of an accumulative account ,don't I ?
克雷格：如果我每次都把赢得的利息取出来，又会怎么样呢？那我就失去了累计帐户的优势，对吗？
C:Yes,you would .The accumulative effect only works if you maintain the balance and earned interest in the account.
职员：是的，您会失去的。您只有保留帐户中的金额和赢得的利息，累计帐户的效果才能体现出来。
Cr:That's a good way to make money .I'll try not to make any more withdrawals .
克雷格：这到是个挣钱的好办法，我争取尽量少提取存款。
C:Yes,that's a good plan .
职员：这是个好计划。
Cr:You're right .Maybe I'll become rich that way!
克雷格：您说得对，照这样做法或许我会变得富裕起来。
Special Savings Plans
特种储蓄章程
Situation 21
情景 21
Sally Berklin wants information about the Savings Bond plan at the First National Bank. 萨利·伯克兰在第一国民银行想得知一些有关储蓄债券章程的信息，
She is talking to the manager of the Savings Department .
她正在和储蓄部门经理谈话。
Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type of account ,too?
伯克兰：您所说的储蓄债券章程是什么意思？我是否也能使用这种帐户呢？
Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers our highest rate of interest for long-term savers.
经理：当然可以，我们向所有顾客提供这种帐户。我们的储蓄债券章程对长期存款储户提供最高利率。
Actually ,they are certificates of deposit for maturities of six to ten years ,
实际上它们是定期为6到10年的存单，
and are available in any amount from $5,000 to $100,000.
存款额从5，000美元到100，000美元的任何定期存单。
B:Oh,they are only for people with lots of money .
伯克兰：哦，这个章程只是为那些很有钱的人设立的。
M:Well ,actually you'd be surprised at the number of middle-income people who use this program ,especially retired people.
经理：实际上，相当多的中等收入的人特别是退休的人都用这种章程，您会对其使用人数之多感到惊奇。
You see ,we pay accumulated interest by bank check every quarter.
您看，我们每个委度都以银行支票的形式向顾客支付累计利息，
So they are almost like an investment plan .
因此，这些存款几乎就是一笔投资规划。
B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity? 伯克兰：听起来真不错，但是如果我不得不提前兑现储蓄债券怎么办？
M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a time deposit .
经理：很遗憾，就象提前支取定期存款一样，您得接受一定罚款。
But we encourage customers not to buy Savings Bonds unless they are reasonably sure they can hold them until matuity .
但是，我们希望顾客们十分确信有把握直到期满才支取存款，再来购买储蓄债券。
B;They sound like an excellent investment idea,especially the advantage of receiving earned interest every three months .
伯克兰：听起来这是个极好的投资办法，特别是每3个月就能得到利息的好处。 I'll consider placing some of my savings in Savings Bonds as soon as I save enough.
等我把钱攒够了，我马一考虑把我的一部分积蓄换成储蓄债券。
Changing Dollars to Yen
美元兑换日元
Situation 22
情景 22
Cyrus Morton is visiting Tokyo on his vacation.He stops into the Higashi Bank to change some dollars into yen .
休假期间，赛勒斯·莫顿在东京参观游览，他步入东银行，把一些美元兑换成日元。 Clerk:Good afternoon ,sir.May I help you ?
职员：午安，先生，我能为您做些什么？
Morton:Yes,please .I want to get some yen notes for my stay in Japan .Can I buy them with American dollars?
莫顿：是的，谢谢。在我逗留日本期间，希望换些日币，我可以用美元购买日币吗？ C;Yes,sir .We are an authorized foreign exchange bank and can change them for you .
职员：可以的，先生。我们是经批准的外汇银行，能够为您兑换货币。
M;Well,I have got $467.89 that I want to change .What's the exchange rate today ?
莫顿：那我，我想把476美元89美分兑换成日元，今天的兑换率是多少呢？
C:Today's rate for cash purchases is listed on this chart here.I can exchange the bills for you ,but we cannot take the coins.
职员：今天的现款购买兑换率列在这里的这张图表上，我可给您兑换纸币，但是我们不收硬币。
M:Oh,really ?Why not ?
莫顿：哦，真的吗？为什么呢？
C:We don't deal in coins ,sir .Usually ,we have very little request for coin exchange and it makes it difficult for us to maintain a supply of coins adequate to what may be needed .
职员：我们不买硬币，先生。平时我们这里很少需要兑换硬币，这样，就使我们很难确保存一批足够的硬币应付可能的需要量。
M;Oh,yes,I remember that was true in America ,too.I couldn't get any yen coins before I left . 莫顿：哦，是的，我记得在美国也是如此。看来，在我离开之前，可能是一点日本硬币也弄不到了。
C:Our head office may keep a supply of coins ,but branches rarely do .So we just exchange the bills and make up any difference in Japanese coins.
职员：我们总行可能提供硬币，但是分行很少有这样做的。因此，我们只能兑换纸币并用日本硬币补齐差额。
Do you have your passport with you ?
您带着护照吗？
M:Yes,here it is .
莫顿：带着，在这里。
C:Well,please sign your name and local address on this exchange request .
职员：请把您的姓名、本地住址写在这张兑换申请单上，
Also put down your passport number .I'll get your yen for you while you're filling this out . 还要写上您的护照号码。在您填写时，我给您准备日元。
Changing Yen to Dollars
日元兑换美元
Situation 23
情景 23
Goro Watanable is leaving for the United States and wants to buy some American dollars before he goes .
渡边五郎准备前往美国，想在临走前买些美元。
Watanable:I am leaving for the States tomorrow and will need some dollar currency with me when I arrive .
渡边：我准备明天启程去美国，在到达那里时，我需要随身带些美钞，
Can I get it here ?
我能在这里买到美元吗？
Clerk:Yes,sir.How much did you want to buy ?
职员：可以，先生，你想买多少？
W;Well,I think about $100 worth .I get traveller's checks the other day ,but I don't want to arrive in American without any cash .
渡边：哦，我想要100美元左右。前几天我已经办理了旅游支票，但是，我不想在到达美国时手头无现金。
It's a real problem cashing a traveller's check when the airport is crowded .
机场上非常拥挤的时候，兑现旅游支票是件很麻烦的事。
C:Yes ,that's true .Please fill out this request for foreign currency .On the purpose line ,just indicate travel.
职员：的确是这样。请您填写一下外币申请表，在目的那一栏上只需说明旅游就可以了。 W:What's the exchange rate today ?I can't understand this chart you have here .
渡边：今天的兑换率是多少？我看不明白你们的这张图表。
C:The figure under the listing for spot rate selling is the one you want .
职员：在现货兑换率卖出的编目底下的那个数字就是您所需要的数字，
That means that rate for immediate delivery of cash .
它指的是现金的立即交付兑换率。
W;How come this so confusing ?What are these other rates listed?
渡边：怎么这么令人费解呢？表中所列出的另外的那些兑换率是怎么回事？
C:Well,the rate is different for different kinds of transaction .
职员：哦，不同种类的交易有不同的兑换率，
For example ,we don't buy or sell checks for the same rate as cash because of the transit time involved .
比如，我们买进或卖出支票与买进或卖出现金使用不同的兑换率，因为这里涉及到转寄时间的问题。
W:I remember one bank said over-the -counter rate.Is that the same?
渡边：我记得有家银行说过柜台兑换率，它与现货兑换率意思一样吗？
C:It's the same as the spot rate for small transactions for the gengeral public .
职员：一般讲柜台兑换率与小规模交易的现货兑换率意思相同。
Some banks call it the over-the -counter rate for convenience .
某些银行为方便起见，就称后者为柜台兑换率。
旅游支票兑现
Situation 24
情景 24
Margaret Morris wants to cash some traveller's checks at the local office of the Higashi Bank . 马格丽特·莫里斯想在东银行的地方分行兑现几张旅游支票。
Clerk:Hello!May I help you ?
职员：您好，您有什么事情需要我帮忙吗？
Morris:Yes,I hope so .I need some more cash for my visit in Japan .May I cash a traveller's check here?
莫里斯：是的，我想是这样。我还需要些现金供我在（日本）这是游览时使用，我可以在这里兑现旅游支票吗？
C:Of course ,we'd be happy to cash it for you .
职员：当然可以，我很乐意为您兑现。
M:I was going to cash it at the hotel ,but one of my friends said that banks always give better exchange rates.
莫里斯：我本来打算在旅馆兑现，但我的一个朋友说银行通常有高一点的兑现率。 I'm a school teacher and I have to save every penny I can.
我是个教师，我不得不尽可能节省每一文钱。
C:Well,any bank will cash it at our present traveller's check-buying rate which we have listed here . 职员：噢，任何银行都将按照现时买入旅游支票的兑换率来兑现。这个兑换率我们已经列在这里了。
Of course ,our rate is somewhat better than that at hotels because of the service charge . 当然，因为手续费的差异，我们的兑换率比旅馆的稍微高些。
You see ,hotels aren't really in the money exchange business although they will cash traveller's checks for their guests.
您知道，旅馆虽然为他们的客人兑换旅游支票，但他们并不是专门从事货币兑换业务。 M:You mean there's really not much of a difference ?
莫里斯：您是说，实际上银行与旅馆的兑换率并不存在很大差距。
C:No ,ma'am ,not very much .
职员：是的，夫人，差距并不很大。
M:Well ,may I cash these two checks for $100 each ?I think that will be enough .
莫里斯：那么，我可以把每张为100美元的两张支票兑现吗？我想该够用了。
But everything is so expensive in Toyko that I might have to come back and cash another one in a few days.
但是在东京什么东西都这样贵，致几天之内这可能还得回来兑现另一张支票。
C:Yes,I'll be happy to cash these for you .Would you please countersign them here?
职员：好的，我很高兴为您兑现支票。请您将支票副签一下。
M:There you are .
莫里斯：给您。
C:And will you please sign this foreign exchange request?
职员：请您在这张外汇申请表上签字，好吗？
I've already written down your name and address for you.But I will read your passport number. 我已经为您写好了姓名和住址，但我还得看一下您的护照号码。
外国支票兑现
Situation 25
情景 25
Toshio Murata has received a dollar check from his friend in San Francisco.
村田俊夫收到了他的朋友从旧金山寄来的美元支票。
He is asking the clerk at the Foreign Exchange Department of the Higashi Bank to cash it . 他正在要求东银行外汇部门的职员将这张支票兑现。
Clerk :May I help you ,sir ?
职员：可以为您帮忙吗，先生？
Murata:Yes,please .My frind in San Francisco sent me this check for $123.45 .I would like to cash it and get yen for it .
村田：谢谢。我在旧金山的朋友寄给我一张123美元45美他的支票，我想把它兑换成日元。 C:Yes,sir .This check is drawn on a bank in San Francisco .It will take about ten days to clear. 职员：好的。这张支票是从旧金山银行开出的，大约要花10天时间才可清算。
M:You mean I can't get the money right away?
村田：您是说，我不能马上得到钱吗？
C:No,we have to send the check to San Francisco for collection .We can give you the proceeds as soon as we collect the funds.
职员：是的，我们必须把支票寄到旧金山去取款。我们一收到这项专款，就会马上付给您的。 M;Then ,you can pay me in yen?
村田：那时，您就能够支付给我日元了吗？
C:Yes,we will change the proceeds to yen for you .We will deduct a collection service charge from the proceeds ,of course .
职员：是的，我们将把款项为您换成日元。当然，我们要从中扣除取款的手续费。 M:How much is that?
村田：那要多少钱？
C:Normally just a few hundred yen.We can ask for a cable remittance from San Francisco if you would like .
职员：通常，只需几百日元。如果您愿意的话，我们可以要求从旧金山为您电汇，
We could then cash it for you very quickly ,but you would have to pay the charges for the cable . 那样我们就可以很快地将支票兑现，但是您需要支付电汇费用。
M:No,I can wait for the ten days.Will you notify me when you receive the proceeds?
村田：不用了，我可以等10天。你们收到款子后，可以通知吗？
C:Yes,we'll call you .Will you please endorse the check on the back ?
职员：是的，我们会给您打电话的，请您在支票的后面签个字，好吗？
M;You mean sign my name?
村田：您是说签上我的姓名吗？
C:Yes.And please fill out this foreign remittances form .
职员：是的，另外，请填写一张外汇表。
Remittances from Abroad
来自国外的汇款
Situation 26
情景 26
Jonathan Gold is visiting Tokyo from London .
乔纳森·戈尔德自伦敦到东京参观游览。
He is asking the foreign exchange clerk at the Higashi Bank about remittances from London . 他正向东银行负责外汇的职员询问有关来自伦敦的汇款事宜。
Gold:Would you please tell me what I should do to have funds transferred to me here from London ?
戈尔德：请您告诉我，我应当怎样做才能请人从伦敦把专款转帐到我这里呢？
Clerk:The fastest way is by telegraphic transfer from your bank in London to us.
职员：最快的办法是让您在伦敦的银行电汇到我们这里。
G:It's from my company.I think they were going to send me a check .Can you cash it into pounds for me ?
戈尔德：钱是我们公司寄来的。我想他们会给我寄一张支票，您能为我把那张支票兑换成英镑吗？
C:Yes,we can ,but it will take about 10 days to collect the proceeds if the check is drawn on a London bank .
职员：我们可以为您兑换。不过，如果支票是由伦敦银行开出的，我们就要花费10天时间去取回款项。
If you ask your company to apply for a check drawn on a Tokyo bank ,we can cash it right away . 如果您要求您的公司申请一张东京银行开出的支票，我们便可立即为您兑换。
G:How would the do that?
戈尔德：那他们该怎么做才行呢？
C:Through your company bank in London .The bank can issue a banker's check drawn on their correspondent here in Tokyo .
职员：通过在伦敦贵公司的银行来进行。伦敦的银行可以发出一张银行支票，这张支票可以在东京这里的往来银行支取。
They can issue it in pounds or yen ,whichever you prefer .
伦敦的银行能够以英镑或日元开出银行支票，您选择哪一种都可以。
G:I need pounds .
戈尔德：我需要英镑。
C:Then I think you should ask them to issue a pound check drawn on our bank.
职员：那么，我认为您应当要求那么的银行开出一张能够在我们银行支取英镑的支票， That would be the easiest .I'm sure we have a correspondent relationship with your bank as we maintain a correspondent relationship with most of the large banks in London .
这将是最为简便的方法。我想信我们与您的银行有往来行关系。因为我们与伦敦大多数银行保持着往来行关系。
G:I will write and ask them to do that.Then,if I need yen ,I can exchange some pounds for yen ? 戈尔德：那么，我就写信要求他们照此办理。如果我需要日元，我可以用英镑兑换些日元吗？ C:Yes,that's right .No problem at all.
职员：可以，完全不成问题。
G:Thank you very much for your information .
戈尔德：非常感谢您告诉我这一切。
Sending Foreign Remittances
向国外汇款
Situation 27
情景 27
Ichiro Tanaka has subscribed to an English language magazine from the Untied States. 田中一郎已向美国订阅了一份英语杂志，
He is asking a clerk at the Higashi Bank about a dollar remittance check .
他正向一位东银行职员询问有关汇了美元支票事宜。
Tanaka:I have a bill from the publisher for $32.75.The publisher is in New York and I need a check to send him .
田中：我这里有一张来自出版商的32美元75美元的帐单，该出版商在纽约，我需要寄给他一张支票，
Can I get it here?
我能在这里办理支票吗？
Clerk:Yes,Mr.Tanaka.We can give you a check to send or we can issue a bank transfer direct to the publisher's bank ,
职员：可以的，田中先生。我们可以提供给您一张可寄出去的支票，或者，如果您知道该出版商与那里的哪家银行有业务关系，
if you know what bank they do business with .
我们可以直接给该出版商的银行出一个银行转帐单。
T:I am afraid I don't know.The only thing I have is this bill with publisher's name and address on it .
田中：恐怕我不知道这一点，我现有的就是这张有出版商的姓名和住址的帐单。
C:Well,I assume a regular remittance check will be fine .You don't need to cable the money ,do you ?
职员：那么，我估计使用一张正式的汇款支票就可以了，您不需要把钱电汇，对吗？ T:No ,I don't think so .I just received the bill yesterday and there is no deadline mentioned . 田中：是的，我想不需要。我昨天刚刚接到帐单，单子上没有提到期限问题。
C:Well,let's issue a dollar remittance check that you can mail to them .
职员：那么，我们就开出一张您能够邮寄给对方的美元汇款支票。
Please fill out the remittance request with the name and address of the payee,your name and address,
请您填写一下汇款申请单，请填上收款人的姓名和住址、您的姓名和住址、
the amount and the reason for the remittance .
汇款额及理由。
T:What reason do I give?
田中：我写什么理由呢？
C:Just say magazine subscription.That will be fine.
职员：只要写预订杂志就可以了。
T:Can I wait for the check?I mean,does it take long?
田中：我可以等着开这张支票吗？我的意思是说，开支票要用很长的时间吗？
C:No,just a few moments.I'll figure out the exchange rate and service charge and then type up the check for you .
职员：不用，只要等一会儿就行。我需要计算出汇率、手续费，然后为您把支票打印出来。 I have to check our list of correspondent banks in the area to list a convenient drawee bank . 我还要查出我们所在地区往来行的名单，列出一个付款方便的银行。
T:Thank you .I'll read one of my magazines while I wait.
田中：谢谢，我一边等着您办手续，一边看我带来的杂志。
Opening a Savings Account
开立储蓄帐户
Situation 14
情景 14
Henry Samson is asking a clerk at the First National Bank about opening a regular savings account. 亨利·萨姆森在第一国民银行向一个职员询问有关开立普通储蓄帐户事宜。
Clerk:May I help you ,sir?
职员：我能为您做些什么吗？先生？
Samson:Yes,please .I'd like to open a savings account .Can you give me some information? 萨姆森：谢谢，我想开立一个储蓄帐户。请您和我谈谈这方面的事，好吗？
C:Yes,I'd be happy to help you .We call our regular savings account plan passbook savings.
职员：好的，我很乐意为您服务。我们把我们的银行的普通储蓄帐户称为银行存折储蓄。 You may open an account in your name only ,or a joint account with your wife.
您可以只用您自己的名字开立帐户，也可以与您的妻子开立共同帐户。
There is no minimum balance ,and you may make deposits or withdrawals at any time . 我们这里没存款最小余额的限制，而且可随时存款或取款。
S:Do I earn interest on the account ?
萨姆森：我能从帐户上得到利息吗？
C:Yes,we pay the highest interest rate permitted for commercial banks .
职员：可以的。我们这里支付商业银行所允许的最高利率。
We credit the earned interest to your account automatically every quarter.
每个季度，我们会自动地把利息划入您的帐户的贷方。
S:Is it difficult to open an account?I mean ,do I have to be a regular customer of the bank? 萨姆森：开立一个帐户难吗？我是说，我必须是银行的老客户吗？
C:No ,sir.not at all.All that's necessary is to fill out this signature card and make your initial deposit .
职员：不，先生，完全不必。您所需要做的只是填写一下这张签名卡，并进行首次储蓄， Even a dollar is enough to open the account .
甚至一美元就可开立一个帐户。
S:Let's see .You want my name,address,occupation ,date of birth and Social Security number . 萨姆森：让我看看这张卡片。你要我填上姓名、住址、职业、出生日期和社会保险号码。 What's this item here,"Mother's Maiden Name"?
母亲婚前姓名这一项是怎么回事？
C:We ask that for identification purposes ,sir .It's a code word we use to positively identify you in case you lose your passbook or there is some other need for positive identification .
职员：我们要求这一姓名是为人便于辨别身份，先生。这是一个暗语，万一您丢失了您的存折，我们可以用它来确切地辨别您的身份，或者由于某种需要，用以准确地辨认身份。 S:I see.Well,let me fill this out and I'll open an account.
萨姆森：我明白了，那我就填写这张卡片，然后开立一个帐户。
Time Deposits(1)
定期存款（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。
Time Deposits (2)
定期存款（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职员继续谈论有关定期存单的事。
Taylor:What if I need the money for an emergency before the certificate matures?Can I get it out ,then ?
泰勒：假如在存款到期之前，我为应付紧急情况，需要用那笔钱该怎么办？那时能不能把款取出来？
Clerk:Yes,of course ,you may withdraw your funds by cashing in your certificate before the maturity date if this becomes necessary .
职员：当然可以。如果需要的话，您可以在存单的到期之前取你您存单中的现金。 But ,in this case ,you would not receive the stated interest return.
但是，在这种情况下，您不能获得原定利息，
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：您的意思是说，我会失去所有的利息？
C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .
职员：不，不是全部的，我行会考虑到您的要求将您的存单兑现。由于您提前取款，我们要根据当时牌价标准付给您利息。
T;How much is that rate?
泰勒：那么利率应是多少呢？
C:I can't give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.
职员：我不可能给您一个确切数子，泰勒小姐，因为它是随着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 .
您知道，我们的一般存款利率是按照商业银行所允许的利率定期性的变化。
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：那么您是说，如果我在定期存单到期日之前不得不兑现的话，我就要为此而受到罚款。 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.
职员：是这样的。这就是为什么我们希望顾客在承诺定期存款之前，应认真地选择存款期限和存款额。
Opening a Current Account
开立往来帐户
Situation 17
情景 17
John Spence is asking a clerk at the First National Bank about current accounts.
约翰·斯彭斯正在向第一国民银行的一位职员询问有关往来帐户的事宜。
Spence:Would you please tell me something about current accounts?I've heard the term,but I'm not sure I understand what it means.
斯彭斯：您能给我讲讲有关往来帐户的事吗？我听说过这个术语，但是我不完全明白它的含义。
Clerk:The term current account means a demand account .Actually ,a checking account. 职员：往来帐户这个术语就是活期帐户的意思。实际上，就是支票帐户。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常当我们谈论到由企业持有的支票帐房时，我们就使用往来帐户或者活期帐户这样的术语。
S ：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是说，作为个人，我不能开立往来帐户吗？
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account, 职员：不，我不是那个意思。任何人，无论是企业还是个人都可以开立往来帐户。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是，我们一般称个人帐户为个人支票帐户，这仅仅是帐户名称不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那么您为什么称他们为活期帐户呢？
C:That means that the balances in the accounts are subject to withdrawal on demand.
职员：这就是说，帐户上的余额便于提取或者便于需要。
In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account .
换句话说，要想从帐户中提取，只需填写一张用款需求单或一张支票就可以了。 S:Aren't all accounts like that ?
斯彭斯：并不是所有的帐户都是这样做的吧？
C:No,sir .Time or savings accounts actually require a notice to the bank ,
职员：是的，先生。定期存款帐户或储蓄帐户实际上都需要给银行一个通知，
usually seven days before the depositor has a right to make a withdrawal .In normal practice , 通常是七天前通知银行，存款人才有权力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
当然，一般情况下，我们通常不必提前通知，并且允许立即提款。
however,we cannot ask for such notice .
然而，对于活期帐户或者往来帐户我们根本无权要求取款提前通知。
Account Rules and Regulations
帐户规章与条例
Situation 18
情景 18
Leah Jacobs has just opened a savings account at the First National Bank.She is asking a clerk about the meaning of the rules and regulations printed on her passbook.
利厄·雅各布斯刚刚在第一国民银行开立了一个储蓄帐户，她正在向一个职员询问有关印在存折上的各项规章与条例的含义。
Do you mean that I have to give you notice before I can make a withdrawal?
您是说，在我取款之前，得事先给您一个通知吗？
Clerk:Yes,Mrs.Jacobs,it technically means that .All banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.
职员：是的，雅各布斯夫人。从法律角度上看，它是这个意思。所有银行都可能需要一个事先通知，取款人才有权从储蓄帐户和其他附息的帐户中取出所需求的款项。
J:How much notice must I give ?
雅各布斯：我需要提前多少时间通知银行？
C:Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .
职员：象许多其他银行一样，我们银行可能要求7天前通知。但实际工作中，在没有提前通知的情况下，我们也会满足您的取款要求。
Of course ,the bank has the option of enforcing the rule should it be necessary .
当然啦，如果必要的话，银行是有权利按照这一条规定来做的。
J:That's amazing .I never knew that before .
雅各布斯：这倒令我吃惊，以前我从来不知道这些。
C:You'll find that all banks are required to have the same rule .
职员：您会发现，所有的银行都有这些同样的规章。
J:I guess I've never read the fine print on my passbook before.
雅各布斯：我可能还从来没读过我存折上的这些很小的印刷字体。
This next item says that there is a service charge for more than two transactions a month . 下面一条讲到，如果在一个月内有两次以上存取款，就要收取手续费。
C;Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.
职员：是的，雅各布斯夫人。同样，这也是属于法定条例。
The main reason is to discourage the use of savings accounts for frequent transactions . 这是因为银行不鼓励使用储蓄帐户进行过于频繁的存取款活动。
Current ,or checking,accounts are designed for regular and frequent transactions.
往来帐户或支票帐户就是为了经常和频繁的存款和取款而设的。
J:But I've never been charged.
雅各布斯：但是，我却从来没有为此付过费用。
C:Well,most banks rarely invoke that regulation .
职员：哦，大多数银行很少实行那条规定。
Opening a Personal Checking Account
开立个人支票帐户
Situation 19
情景 19
John Smith is opening a personal checking account at the National City Bank .
约翰·史密斯正在国家城市银行开立个人支票帐户。
Clerk:May I help you ,sir?
职员：我能为您做什么，先生？
Smith :Yes,please .I'd like to open a personal checking account .
史密斯：谢谢！我想开立一个个人支票帐户。
C;Yes,sir .Do you want a regular or a special checking account ?
职员：好的，先生。您想开立普通的还是特殊的支票帐户？
S:I'm not sure what the difference is .
史密斯：我不太清楚它们有什么区别。
C:Special accounts are more economical if you think you'll write fewer than 15 checks each month .
职员：如果您认为您每月开支票少于15张，那么特殊帐户更为经济。
S:I probably won't write many ,just a few checks each month for shopping and paying some bills. 史密斯：我可能不会开那么多张支票，一个月只需几张支票买东西和支付一些帐单就可以了。 C:I think the special account will be best ,then .
职员：我想那您最好是使用特殊支票，
There's no minimum balance required and the service charge is only 20 cents for each check you write .
它没有最小存款余额的限制，而且您开出的每张支票只收取20美分手续费。
S:Yes,I think that's what I need.Can I open the account with this check ?It's my payroll check from my company .
史密斯：好的，我看这正是我所需要的。我可以开这种支票账户吗？这是我所在公司的工资支票。
C:Yes,of course .We'll take your payroll check for $237.00 as your initial deposit .
职员：当然可以，我们将把您的工资237美元作为您的第一笔存款。
Will you please fill out this signature card with your name,address,and occupation ?
请您在这张签名卡片上填写您的姓名、住址和职业。
I'll get a receipt and a checkbook for you while you're completing these forms.
您填写这张卡片时，我来为您准备收据和支票。
S:Can I get my name printed on the checks?
史密斯：可以把我的姓名印在支票上吗？
C;Yes,of course .We offer free personalized checks to all our customers .
职员：当然可以，我们对这里所有顾客免费提供个人支票。
If you would like your address printed on your checks,too,we can do that for a nominal charge . 如果您愿意把您的住址也印在支票上，我们可以照办，为此需收取少许费用。
S:I think I'll just take the free ones.I can always write my address on the checks myself . 史密斯：看来我还选择免费支票，自己把住址写在支票上吧。
Computing Daily Interest
计算日息
Situation 20
情景 20
Donald Craig is asking the New Accounts clerk at the First National Bank about their daily interest advertisements.
唐纳德·克雷格在第一国民银行向一个负责新开帐户的职员询问有关银行的日息广告的事。 Craig:What do you mean when you say daily interest in your advertisements?
克雷格：你们的广告中所说的日息是什么意思？
Clerk:We mean that we compute interest on your account balance every day and credit it to your account on a quarterly basis.
职员：我们的意思是说，我们每日计算您的帐户余额应得利息，并且每个季度把应得利息计入您的帐户的贷方。
Cr:How can you compute the earnings daily ?Isn't that too much trouble ?
克雷格：你们怎么能够每日都计算应得利息呢？那不是太麻烦了吗？
C:Well,actually Mr.Craig ,it's relatively easy to do since we keep all our account records by computer
职员：哦，克雷格先生，实际上做到这一点是比较容易的。因为我们使用计算机储存我们所有的帐户记录，
This enables us to give even better service to our customers .
这样我们就能更好地为我们的顾客服务。
Cr:You really mean ,then ,that you're paying me interest on the interest that I earn if I keep my money in the bank .
克雷格：那么您实际上是说，如果我把钱存入银行，你们就会以复制的形式支付我所赢得的利息了。
C:Yes,that's right.We credit your earned interest automatically to your account and that figures as part of the balance for the next interest-earning period.
职员：是这样的。我们会自动地把您赢得的利息计入您的帐户的货方，而且这些利息成了您的帐户中存款余额的一部分。
It's really an accumulative account which continues to grow and earn returns for you .
再接着计算利息时，这一部分余额也将赢得利息。这的确是个累计帐户，不断地增加数额为您生息。
Cr:What if I withdraw the earned interest each time? Then I lose the advantages of an accumulative account ,don't I ?
克雷格：如果我每次都把赢得的利息取出来，又会怎么样呢？那我就失去了累计帐户的优势，对吗？
C:Yes,you would .The accumulative effect only works if you maintain the balance and earned interest in the account.
职员：是的，您会失去的。您只有保留帐户中的金额和赢得的利息，累计帐户的效果才能体现出来。
Cr:That's a good way to make money .I'll try not to make any more withdrawals .
克雷格：这到是个挣钱的好办法，我争取尽量少提取存款。
C:Yes,that's a good plan .
职员：这是个好计划。
Cr:You're right .Maybe I'll become rich that way!
克雷格：您说得对，照这样做法或许我会变得富裕起来。
Special Savings Plans
特种储蓄章程
Situation 21
情景 21
Sally Berklin wants information about the Savings Bond plan at the First National Bank. 萨利·伯克兰在第一国民银行想得知一些有关储蓄债券章程的信息，
She is talking to the manager of the Savings Department .
她正在和储蓄部门经理谈话。
Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type of account ,too?
伯克兰：您所说的储蓄债券章程是什么意思？我是否也能使用这种帐户呢？
Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers our highest rate of interest for long-term savers.
经理：当然可以，我们向所有顾客提供这种帐户。我们的储蓄债券章程对长期存款储户提供最高利率。
Actually ,they are certificates of deposit for maturities of six to ten years ,
实际上它们是定期为6到10年的存单，
and are available in any amount from $5,000 to $100,000.
存款额从5，000美元到100，000美元的任何定期存单。
B:Oh,they are only for people with lots of money .
伯克兰：哦，这个章程只是为那些很有钱的人设立的。
M:Well ,actually you'd be surprised at the number of middle-income people who use this program ,especially retired people.
经理：实际上，相当多的中等收入的人特别是退休的人都用这种章程，您会对其使用人数之多感到惊奇。
You see ,we pay accumulated interest by bank check every quarter.
您看，我们每个委度都以银行支票的形式向顾客支付累计利息，
So they are almost like an investment plan .
因此，这些存款几乎就是一笔投资规划。
B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity? 伯克兰：听起来真不错，但是如果我不得不提前兑现储蓄债券怎么办？
M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a time deposit .
经理：很遗憾，就象提前支取定期存款一样，您得接受一定罚款。
But we encourage customers not to buy Savings Bonds unless they are reasonably sure they can hold them until matuity .
但是，我们希望顾客们十分确信有把握直到期满才支取存款，再来购买储蓄债券。
B;They sound like an excellent investment idea,especially the advantage of receiving earned interest every three months .
伯克兰：听起来这是个极好的投资办法，特别是每3个月就能得到利息的好处。 I'll consider placing some of my savings in Savings Bonds as soon as I save enough.
等我把钱攒够了，我马一考虑把我的一部分积蓄换成储蓄债券。
Changing Dollars to Yen
美元兑换日元
Situation 22
情景 22
Cyrus Morton is visiting Tokyo on his vacation.He stops into the Higashi Bank to change some dollars into yen .
休假期间，赛勒斯·莫顿在东京参观游览，他步入东银行，把一些美元兑换成日元。 Clerk:Good afternoon ,sir.May I help you ?
职员：午安，先生，我能为您做些什么？
Morton:Yes,please .I want to get some yen notes for my stay in Japan .Can I buy them with American dollars?
莫顿：是的，谢谢。在我逗留日本期间，希望换些日币，我可以用美元购买日币吗？ C;Yes,sir .We are an authorized foreign exchange bank and can change them for you .
职员：可以的，先生。我们是经批准的外汇银行，能够为您兑换货币。
M;Well,I have got $467.89 that I want to change .What's the exchange rate today ?
莫顿：那我，我想把476美元89美分兑换成日元，今天的兑换率是多少呢？
C:Today's rate for cash purchases is listed on this chart here.I can exchange the bills for you ,but we cannot take the coins.
职员：今天的现款购买兑换率列在这里的这张图表上，我可给您兑换纸币，但是我们不收硬币。
M:Oh,really ?Why not ?
莫顿：哦，真的吗？为什么呢？
C:We don't deal in coins ,sir .Usually ,we have very little request for coin exchange and it makes it difficult for us to maintain a supply of coins adequate to what may be needed .
职员：我们不买硬币，先生。平时我们这里很少需要兑换硬币，这样，就使我们很难确保存一批足够的硬币应付可能的需要量。
M;Oh,yes,I remember that was true in America ,too.I couldn't get any yen coins before I left . 莫顿：哦，是的，我记得在美国也是如此。看来，在我离开之前，可能是一点日本硬币也弄不到了。
C:Our head office may keep a supply of coins ,but branches rarely do .So we just exchange the bills and make up any difference in Japanese coins.
职员：我们总行可能提供硬币，但是分行很少有这样做的。因此，我们只能兑换纸币并用日本硬币补齐差额。
Do you have your passport with you ?
您带着护照吗？
M:Yes,here it is .
莫顿：带着，在这里。
C:Well,please sign your name and local address on this exchange request .
职员：请把您的姓名、本地住址写在这张兑换申请单上，
Also put down your passport number .I'll get your yen for you while you're filling this out . 还要写上您的护照号码。在您填写时，我给您准备日元。
Changing Yen to Dollars
日元兑换美元
Situation 23
情景 23
Goro Watanable is leaving for the United States and wants to buy some American dollars before he goes .
渡边五郎准备前往美国，想在临走前买些美元。
Watanable:I am leaving for the States tomorrow and will need some dollar currency with me when I arrive .
渡边：我准备明天启程去美国，在到达那里时，我需要随身带些美钞，
Can I get it here ?
我能在这里买到美元吗？
Clerk:Yes,sir.How much did you want to buy ?
职员：可以，先生，你想买多少？
W;Well,I think about $100 worth .I get traveller's checks the other day ,but I don't want to arrive in American without any cash .
渡边：哦，我想要100美元左右。前几天我已经办理了旅游支票，但是，我不想在到达美国时手头无现金。
It's a real problem cashing a traveller's check when the airport is crowded .
机场上非常拥挤的时候，兑现旅游支票是件很麻烦的事。
C:Yes ,that's true .Please fill out this request for foreign currency .On the purpose line ,just indicate travel.
职员：的确是这样。请您填写一下外币申请表，在目的那一栏上只需说明旅游就可以了。 W:What's the exchange rate today ?I can't understand this chart you have here .
渡边：今天的兑换率是多少？我看不明白你们的这张图表。
C:The figure under the listing for spot rate selling is the one you want .
职员：在现货兑换率卖出的编目底下的那个数字就是您所需要的数字，
That means that rate for immediate delivery of cash .
它指的是现金的立即交付兑换率。
W;How come this so confusing ?What are these other rates listed?
渡边：怎么这么令人费解呢？表中所列出的另外的那些兑换率是怎么回事？
C:Well,the rate is different for different kinds of transaction .
职员：哦，不同种类的交易有不同的兑换率，
For example ,we don't buy or sell checks for the same rate as cash because of the transit time involved .
比如，我们买进或卖出支票与买进或卖出现金使用不同的兑换率，因为这里涉及到转寄时间的问题。
W:I remember one bank said over-the -counter rate.Is that the same?
渡边：我记得有家银行说过柜台兑换率，它与现货兑换率意思一样吗？
C:It's the same as the spot rate for small transactions for the gengeral public .
职员：一般讲柜台兑换率与小规模交易的现货兑换率意思相同。
Some banks call it the over-the -counter rate for convenience .
某些银行为方便起见，就称后者为柜台兑换率。
旅游支票兑现
Situation 24
情景 24
Margaret Morris wants to cash some traveller's checks at the local office of the Higashi Bank . 马格丽特·莫里斯想在东银行的地方分行兑现几张旅游支票。
Clerk:Hello!May I help you ?
职员：您好，您有什么事情需要我帮忙吗？
Morris:Yes,I hope so .I need some more cash for my visit in Japan .May I cash a traveller's check here?
莫里斯：是的，我想是这样。我还需要些现金供我在（日本）这是游览时使用，我可以在这里兑现旅游支票吗？
C:Of course ,we'd be happy to cash it for you .
职员：当然可以，我很乐意为您兑现。
M:I was going to cash it at the hotel ,but one of my friends said that banks always give better exchange rates.
莫里斯：我本来打算在旅馆兑现，但我的一个朋友说银行通常有高一点的兑现率。 I'm a school teacher and I have to save every penny I can.
我是个教师，我不得不尽可能节省每一文钱。
C:Well,any bank will cash it at our present traveller's check-buying rate which we have listed here . 职员：噢，任何银行都将按照现时买入旅游支票的兑换率来兑现。这个兑换率我们已经列在这里了。
Of course ,our rate is somewhat better than that at hotels because of the service charge . 当然，因为手续费的差异，我们的兑换率比旅馆的稍微高些。
You see ,hotels aren't really in the money exchange business although they will cash traveller's checks for their guests.
您知道，旅馆虽然为他们的客人兑换旅游支票，但他们并不是专门从事货币兑换业务。 M:You mean there's really not much of a difference ?
莫里斯：您是说，实际上银行与旅馆的兑换率并不存在很大差距。
C:No ,ma'am ,not very much .
职员：是的，夫人，差距并不很大。
M:Well ,may I cash these two checks for $100 each ?I think that will be enough .
莫里斯：那么，我可以把每张为100美元的两张支票兑现吗？我想该够用了。
But everything is so expensive in Toyko that I might have to come back and cash another one in a few days.
但是在东京什么东西都这样贵，致几天之内这可能还得回来兑现另一张支票。
C:Yes,I'll be happy to cash these for you .Would you please countersign them here?
职员：好的，我很高兴为您兑现支票。请您将支票副签一下。
M:There you are .
莫里斯：给您。
C:And will you please sign this foreign exchange request?
职员：请您在这张外汇申请表上签字，好吗？
I've already written down your name and address for you.But I will read your passport number. 我已经为您写好了姓名和住址，但我还得看一下您的护照号码。
外国支票兑现
Situation 25
情景 25
Toshio Murata has received a dollar check from his friend in San Francisco.
村田俊夫收到了他的朋友从旧金山寄来的美元支票。
He is asking the clerk at the Foreign Exchange Department of the Higashi Bank to cash it . 他正在要求东银行外汇部门的职员将这张支票兑现。
Clerk :May I help you ,sir ?
职员：可以为您帮忙吗，先生？
Murata:Yes,please .My frind in San Francisco sent me this check for $123.45 .I would like to cash it and get yen for it .
村田：谢谢。我在旧金山的朋友寄给我一张123美元45美他的支票，我想把它兑换成日元。 C:Yes,sir .This check is drawn on a bank in San Francisco .It will take about ten days to clear. 职员：好的。这张支票是从旧金山银行开出的，大约要花10天时间才可清算。
M:You mean I can't get the money right away?
村田：您是说，我不能马上得到钱吗？
C:No,we have to send the check to San Francisco for collection .We can give you the proceeds as soon as we collect the funds.
职员：是的，我们必须把支票寄到旧金山去取款。我们一收到这项专款，就会马上付给您的。 M;Then ,you can pay me in yen?
村田：那时，您就能够支付给我日元了吗？
C:Yes,we will change the proceeds to yen for you .We will deduct a collection service charge from the proceeds ,of course .
职员：是的，我们将把款项为您换成日元。当然，我们要从中扣除取款的手续费。 M:How much is that?
村田：那要多少钱？
C:Normally just a few hundred yen.We can ask for a cable remittance from San Francisco if you would like .
职员：通常，只需几百日元。如果您愿意的话，我们可以要求从旧金山为您电汇，
We could then cash it for you very quickly ,but you would have to pay the charges for the cable . 那样我们就可以很快地将支票兑现，但是您需要支付电汇费用。
M:No,I can wait for the ten days.Will you notify me when you receive the proceeds?
村田：不用了，我可以等10天。你们收到款子后，可以通知吗？
C:Yes,we'll call you .Will you please endorse the check on the back ?
职员：是的，我们会给您打电话的，请您在支票的后面签个字，好吗？
M;You mean sign my name?
村田：您是说签上我的姓名吗？
C:Yes.And please fill out this foreign remittances form .
职员：是的，另外，请填写一张外汇表。
Remittances from Abroad
来自国外的汇款
Situation 26
情景 26
Jonathan Gold is visiting Tokyo from London .
乔纳森·戈尔德自伦敦到东京参观游览。
He is asking the foreign exchange clerk at the Higashi Bank about remittances from London . 他正向东银行负责外汇的职员询问有关来自伦敦的汇款事宜。
Gold:Would you please tell me what I should do to have funds transferred to me here from London ?
戈尔德：请您告诉我，我应当怎样做才能请人从伦敦把专款转帐到我这里呢？
Clerk:The fastest way is by telegraphic transfer from your bank in London to us.
职员：最快的办法是让您在伦敦的银行电汇到我们这里。
G:It's from my company.I think they were going to send me a check .Can you cash it into pounds for me ?
戈尔德：钱是我们公司寄来的。我想他们会给我寄一张支票，您能为我把那张支票兑换成英镑吗？
C:Yes,we can ,but it will take about 10 days to collect the proceeds if the check is drawn on a London bank .
职员：我们可以为您兑换。不过，如果支票是由伦敦银行开出的，我们就要花费10天时间去取回款项。
If you ask your company to apply for a check drawn on a Tokyo bank ,we can cash it right away . 如果您要求您的公司申请一张东京银行开出的支票，我们便可立即为您兑换。
G:How would the do that?
戈尔德：那他们该怎么做才行呢？
C:Through your company bank in London .The bank can issue a banker's check drawn on their correspondent here in Tokyo .
职员：通过在伦敦贵公司的银行来进行。伦敦的银行可以发出一张银行支票，这张支票可以在东京这里的往来银行支取。
They can issue it in pounds or yen ,whichever you prefer .
伦敦的银行能够以英镑或日元开出银行支票，您选择哪一种都可以。
G:I need pounds .
戈尔德：我需要英镑。
C:Then I think you should ask them to issue a pound check drawn on our bank.
职员：那么，我认为您应当要求那么的银行开出一张能够在我们银行支取英镑的支票， That would be the easiest .I'm sure we have a correspondent relationship with your bank as we maintain a correspondent relationship with most of the large banks in London .
这将是最为简便的方法。我想信我们与您的银行有往来行关系。因为我们与伦敦大多数银行保持着往来行关系。
G:I will write and ask them to do that.Then,if I need yen ,I can exchange some pounds for yen ? 戈尔德：那么，我就写信要求他们照此办理。如果我需要日元，我可以用英镑兑换些日元吗？ C:Yes,that's right .No problem at all.
职员：可以，完全不成问题。
G:Thank you very much for your information .
戈尔德：非常感谢您告诉我这一切。
Sending Foreign Remittances
向国外汇款
Situation 27
情景 27
Ichiro Tanaka has subscribed to an English language magazine from the Untied States. 田中一郎已向美国订阅了一份英语杂志，
He is asking a clerk at the Higashi Bank about a dollar remittance check .
他正向一位东银行职员询问有关汇了美元支票事宜。
Tanaka:I have a bill from the publisher for $32.75.The publisher is in New York and I need a check to send him .
田中：我这里有一张来自出版商的32美元75美元的帐单，该出版商在纽约，我需要寄给他一张支票，
Can I get it here?
我能在这里办理支票吗？
Clerk:Yes,Mr.Tanaka.We can give you a check to send or we can issue a bank transfer direct to the publisher's bank ,
职员：可以的，田中先生。我们可以提供给您一张可寄出去的支票，或者，如果您知道该出版商与那里的哪家银行有业务关系，
if you know what bank they do business with .
我们可以直接给该出版商的银行出一个银行转帐单。
T:I am afraid I don't know.The only thing I have is this bill with publisher's name and address on it .
田中：恐怕我不知道这一点，我现有的就是这张有出版商的姓名和住址的帐单。
C:Well,I assume a regular remittance check will be fine .You don't need to cable the money ,do you ?
职员：那么，我估计使用一张正式的汇款支票就可以了，您不需要把钱电汇，对吗？ T:No ,I don't think so .I just received the bill yesterday and there is no deadline mentioned . 田中：是的，我想不需要。我昨天刚刚接到帐单，单子上没有提到期限问题。
C:Well,let's issue a dollar remittance check that you can mail to them .
职员：那么，我们就开出一张您能够邮寄给对方的美元汇款支票。
Please fill out the remittance request with the name and address of the payee,your name and address,
请您填写一下汇款申请单，请填上收款人的姓名和住址、您的姓名和住址、
the amount and the reason for the remittance .
汇款额及理由。
T:What reason do I give?
田中：我写什么理由呢？
C:Just say magazine subscription.That will be fine.
职员：只要写预订杂志就可以了。
T:Can I wait for the check?I mean,does it take long?
田中：我可以等着开这张支票吗？我的意思是说，开支票要用很长的时间吗？
C:No,just a few moments.I'll figure out the exchange rate and service charge and then type up the check for you .
职员：不用，只要等一会儿就行。我需要计算出汇率、手续费，然后为您把支票打印出来。 I have to check our list of correspondent banks in the area to list a convenient drawee bank . 我还要查出我们所在地区往来行的名单，列出一个付款方便的银行。
T:Thank you .I'll read one of my magazines while I wait.
田中：谢谢，我一边等着您办手续，一边看我带来的杂志。