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·泰勒向第一國民銀行新開帳戶部門的一個(gè)職員詢問定期存款有關(guān)事宜。
Taylor:Can you tell me something about time deposits?
泰勒：請您同我談?wù)動嘘P(guān)定期存款的事情，好嗎？
I understand the interest rate is much higher for time deposits than regular savings accounts.
據(jù)我所知，定期存款的利率比普通儲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 .
職員：是的，泰勒小姐，您說得對。我們這里提供存款的定期存單，它們的利率高于普通存款。
T:How long do I have to keep the money in the account?
泰勒：存款在帳戶中儲存多久才可以?。?BR> C:We offer a choice of three,six-or twelve month maturities in most cases.
職員：大多數(shù)情況下，我們提供為期3個(gè)月，6個(gè)月和12個(gè)月的存款期限，您可以從中選擇。
Of course ,we have two-,three-,five-and ten-year plans ,too.
當(dāng)然，我們也有為期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決于存款時(shí)間？
C:Yes,that's right .But you must determine what maturity you want in the beginning .
職員：是這樣的。但是您必須事先確定您的存款期限。
Naturally ,certificates with the longer maturities bear a higher rate of return .
當(dāng)然，存款期越長，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：哪一種期限是歡迎的呢？我估計(jì)不會有很多顧客選擇很長的存款期限。
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.
職員：您說得對，我們的大多數(shù)顧客選用6個(gè)月或12個(gè)月存款期限。當(dāng)然，如果您愿意的話，當(dāng)存款到期時(shí)，您可以把存單轉(zhuǎn)期續(xù)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會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 .
職員：當(dāng)欠確知顧客將一筆錢儲存一定時(shí)期，我們就能夠提供更具有吸引力的利率。
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·泰勒向第一國民銀行新開帳戶部門的一個(gè)職員詢問定期存款有關(guān)事宜。
Taylor:Can you tell me something about time deposits?
泰勒：請您同我談?wù)動嘘P(guān)定期存款的事情，好嗎？
I understand the interest rate is much higher for time deposits than regular savings accounts.
據(jù)我所知，定期存款的利率比普通儲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 .
職員：是的，泰勒小姐，您說得對。我們這里提供存款的定期存單，它們的利率高于普通存款。
T:How long do I have to keep the money in the account?
泰勒：存款在帳戶中儲存多久才可以?。?BR> C:We offer a choice of three,six-or twelve month maturities in most cases.
職員：大多數(shù)情況下，我們提供為期3個(gè)月，6個(gè)月和12個(gè)月的存款期限，您可以從中選擇。
Of course ,we have two-,three-,five-and ten-year plans ,too.
當(dāng)然，我們也有為期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決于存款時(shí)間？
C:Yes,that's right .But you must determine what maturity you want in the beginning .
職員：是這樣的。但是您必須事先確定您的存款期限。
Naturally ,certificates with the longer maturities bear a higher rate of return .
當(dāng)然，存款期越長，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：哪一種期限是歡迎的呢？我估計(jì)不會有很多顧客選擇很長的存款期限。
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.
職員：您說得對，我們的大多數(shù)顧客選用6個(gè)月或12個(gè)月存款期限。當(dāng)然，如果您愿意的話，當(dāng)存款到期時(shí)，您可以把存單轉(zhuǎn)期續(xù)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會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 .
職員：當(dāng)欠確知顧客將一筆錢儲存一定時(shí)期，我們就能夠提供更具有吸引力的利率。