金融英语听力 16.定期存款(二)

[00:00.00]Time Deposits (2)
[00:01.36]定期存款（二）
[00:02.72]Situation 16
[00:03.93]情景 16
[00:05.15]Judy Taylor continues talking with the New Accounts clerk about Time Certificates of Deposit.
[00:08.69]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。
[00:12.23]Taylor:What if I need the money for an emergency before the certificate matures?Can I get it out ,then ?
[00:15.61]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？
[00:18.99]Clerk:Yes,of course ,you may withdraw  your funds by cashing in your certificate before the maturity date if this becomes necessary .
[00:22.99]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。
[00:26.98]But ,in this case ,you would not receive the stated interest return.
[00:29.58]但是，在这种情况下，您不能获得原定利息，
[00:32.18]The high rates of return that are offered are valid only if the certificate is maintained for the full length of the contracted period.
[00:36.45]只有当存单到期，所提供的高利率才能生效。
[00:40.72]T:You mean I would lose all my interest?
[00:42.19]泰勒：您的意思是说，我会失去所有的利息？
[00:43.65]C:No,not all.We would redeem your certificate at your request ,subject to our current rate schedule for prematurity cancellation .
[00:48.61]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。
[00:53.58]T;How much is that rate?
[00:54.64]泰勒：那么利率应是多少呢？
[00:55.69]C:I can't give you an exact figure ,Miss Taylor ,as it fluctuates depending on the regular savings rate.
[00:59.19]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。
[01:02.69]As you know ,our regular savings rate changes periodically in accordance with the interest earnings rate allowed for commercial banks .
[01:07.08]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。
[01:11.47]That rate is posted on the bulletin board in the lobby as required by bank rules .
[01:14.11]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。
[01:16.75]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 .
[01:21.10]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。
[01:25.45]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.
[01:31.15]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。