Opening a Current Account
開(kāi)立往來(lái)帳戶(hù)
John Spence is asking a clerk at the First National Bank about current accounts.
約翰·斯彭斯正在向第一國(guó)民銀行的一位職員詢(xún)問(wèn)有關(guān)往來(lái)帳戶(hù)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：您能給我講講有關(guān)往來(lái)帳戶(hù)的事嗎?我聽(tīng)說(shuō)過(guò)這個(gè)術(shù)語(yǔ)，但是我不完全明白它的含義。
Clerk:The term current account means a demand account .Actually ,a checking account.
職員：往來(lái)帳戶(hù)這個(gè)術(shù)語(yǔ)就是活期帳戶(hù)的意思。實(shí)際上，就是支票帳戶(hù)。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常當(dāng)我們談?wù)摰接善髽I(yè)持有的支票帳房時(shí)，我們就使用往來(lái)帳戶(hù)或者活期帳戶(hù)這樣的術(shù)語(yǔ)。
S：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是說(shuō)，作為個(gè)人，我不能開(kāi)立往來(lái)帳戶(hù)嗎?
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account,
職員：不，我不是那個(gè)意思。任何人，無(wú)論是企業(yè)還是個(gè)人都可以開(kāi)立往來(lái)帳戶(hù)。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是，我們一般稱(chēng)個(gè)人帳戶(hù)為個(gè)人支票帳戶(hù)，這僅僅是帳戶(hù)名稱(chēng)不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那么您為什么稱(chēng)他們?yōu)榛钇趲?hù)呢?
C:That means that the balances in the accounts are subject to withdrawal on demand.
職員：這就是說(shuō)，帳戶(hù)上的余額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 .
換句話(huà)說(shuō)，要想從帳戶(hù)中提取，只需填寫(xiě)一張用款需求單或一張支票就可以了。
S:Aren't all accounts like that ?
斯彭斯：并不是所有的帳戶(hù)都是這樣做的吧?
C:No,sir .Time or savings accounts actually require a notice to the bank ,
職員：是的，先生。定期存款帳戶(hù)或儲(chǔ)蓄帳戶(hù)實(shí)際上都需要給銀行一個(gè)通知，
usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
通常是七天前通知銀行，存款人才有權(quán)力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
當(dāng)然，一般情況下，我們通常不必提前通知，并且允許立即提款。
however,we cannot ask for such notice .
然而，對(duì)于活期帳戶(hù)或者往來(lái)帳戶(hù)我們根本無(wú)權(quán)要求取款提前通知。
開(kāi)立往來(lái)帳戶(hù)
John Spence is asking a clerk at the First National Bank about current accounts.
約翰·斯彭斯正在向第一國(guó)民銀行的一位職員詢(xún)問(wèn)有關(guān)往來(lái)帳戶(hù)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：您能給我講講有關(guān)往來(lái)帳戶(hù)的事嗎?我聽(tīng)說(shuō)過(guò)這個(gè)術(shù)語(yǔ)，但是我不完全明白它的含義。
Clerk:The term current account means a demand account .Actually ,a checking account.
職員：往來(lái)帳戶(hù)這個(gè)術(shù)語(yǔ)就是活期帳戶(hù)的意思。實(shí)際上，就是支票帳戶(hù)。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常當(dāng)我們談?wù)摰接善髽I(yè)持有的支票帳房時(shí)，我們就使用往來(lái)帳戶(hù)或者活期帳戶(hù)這樣的術(shù)語(yǔ)。
S：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是說(shuō)，作為個(gè)人，我不能開(kāi)立往來(lái)帳戶(hù)嗎?
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account,
職員：不，我不是那個(gè)意思。任何人，無(wú)論是企業(yè)還是個(gè)人都可以開(kāi)立往來(lái)帳戶(hù)。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是，我們一般稱(chēng)個(gè)人帳戶(hù)為個(gè)人支票帳戶(hù)，這僅僅是帳戶(hù)名稱(chēng)不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那么您為什么稱(chēng)他們?yōu)榛钇趲?hù)呢?
C:That means that the balances in the accounts are subject to withdrawal on demand.
職員：這就是說(shuō)，帳戶(hù)上的余額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 .
換句話(huà)說(shuō)，要想從帳戶(hù)中提取，只需填寫(xiě)一張用款需求單或一張支票就可以了。
S:Aren't all accounts like that ?
斯彭斯：并不是所有的帳戶(hù)都是這樣做的吧?
C:No,sir .Time or savings accounts actually require a notice to the bank ,
職員：是的，先生。定期存款帳戶(hù)或儲(chǔ)蓄帳戶(hù)實(shí)際上都需要給銀行一個(gè)通知，
usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
通常是七天前通知銀行，存款人才有權(quán)力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
當(dāng)然，一般情況下，我們通常不必提前通知，并且允許立即提款。
however,we cannot ask for such notice .
然而，對(duì)于活期帳戶(hù)或者往來(lái)帳戶(hù)我們根本無(wú)權(quán)要求取款提前通知。