银行储蓄业务对话

储蓄存款业务对话：

1.办理活期存折

客户：您好，我想开立一个账户，但我不知道要开哪种账户。

职员：您经常存钱和取钱吗?

客户：不，我不经常存钱和取钱。我只想把工资存起来，并且用这个账户来支付每月一次在百货商场所买的东西。

职员：那么，您还是开立一个活期存折为好，您可以随用随取，您认为怎样?

客户：好的。

职员：请您出示一下身份证。

客户：给您！

职员：请问您是否要设定密码？

客户：哦，需要。

职员：请您输入您要设定的密码，一共是六位。

客户：好的。

职员：这是您的存折，请您拿好。

客户：谢谢。

1. Applying for a demand deposit passbook

Customer: Hello. I want to open an account, but I do not know which type to choose. Bank Clerk: Do you often deposit and withdraw money?

Customer: No, I don’t. I only want to deposit my salary in the account, and use the account to pay for my monthly shopping in department stores.

Bank Clerk: A demand deposit account will do. You can withdraw money whenever you need. How do you think?

Customer: It will do.

Bank Clerk: Please show your identification card.

Customer: Here you are!

Bank Clerk: Excuse me; do you want to set a password?

Customer: Oh, yes.

Bank Clerk: Please input your password, 6 digits.

Customer: OK.

Bank Clerk: This is your passbook. Please take it carefully.

Customer: Thanks.

2.办理定期存折

职员：您好，先生，我能为您做什么?

客户：我想开一个储蓄账户，但我不知道开什么账户?请给我一些建议，好吗?

职员：当然。我很愿意帮您的忙。我们为个人开办了活期账户和定期账户。

客户：它们有些什么不同呢?

职员：如果您开的是定期账户，您就会得到写有存款人名字的定期存单，享受较高的利率。客户：那么活期存款呢?

职员：活期账户使用的是存折，您可以随时取款。取款时，您只要出示存折就行。

客户：那活期与定期的利率分别是多少？

职员：请您看那边的提示板。

客户：哦，我想存定期。请问我需要存多久？

职员：定期储蓄的利率是根据存款的金额和存期决定的。您想存多少钱，存多久?

客户：我想就存一年，存一万元。这是现金，请点一下。

职员：谢谢。请给我您的身份证。

2. Applying for time deposit passbook

Bank Clerk: Hello, sir. What can I do for you?

Customer: I want to open a savings account, but I don’t know what to choose. Would you please give me some advice?

Bank Clerk: Sure, my pleasure. We offer individual customers with demand deposit and time deposit.

Customer: What is the difference between them?

Bank Clerk: If you open a time deposit account, you will obtain a certificate of deposit with the name of the depositor and enjoy a much higher interest rate. Customer: Then how about demand deposit?

Bank Clerk: The demand deposit allows you to withdraw money at any time with your demand deposit passbook. You only need to show your passbook at withdrawal. Customer: What are their respective interest rates?

Bank Clerk: Look at the notification board over there, please.

Customer: Well, I want to open a time deposit account. Excuse me, how long should the term be?

Bank Clerk: The interest rate of time deposit depends on the amount and term of deposit. How much money do you want to deposit? And how long?

Customer: I want to deposit 10,000 Yuan for one year. Here is the cash. Please check it.

Bank Clerk: Thanks. Give me your identification card, please.

3.提前支取定期存款

职员：我能为您做点什么吗?

客户：我在这里开了定期账户，一个月以后到期。我现在急于用钱，现在能取吗?

职员：可以。您可以在到期日之前取出，但是您拿不到规定的利息。

客户：您的意思是您可以按我的要求取出我的钱，但是利息是按照取款当天的利率计算。

职员：是的，如果您不取完，剩余的钱按存款时利率计算。

客户：我明白了。您能告诉我活期利率是多少吗?

职员：X%。

客户：那么我要损失一点利息了。

职员：是的，这就是为什么我们鼓励客户仔细地考虑存期和存款金额，假如他们想获得长期的利益。

客户：我明白了,感谢您的帮忙。

职员：不用谢。

3. Withdrawing time deposit before maturity

Bank Clerk: What can I do for you?

Customer: I have a time deposit account here. It will due in a month. I’m now in urgent need of cash. Can I withdraw the money?

Bank Clerk: Certainly. You can withdraw your money before maturity, but you can not