金融英语听力 18.帐户规章与条例

[00:00.00]Account Rules and Regulations
[00:01.48]帐户规章与条例
[00:02.95]Situation 18
[00:04.31]情景 18
[00:05.67]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.
[00:11.91]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。
[00:18.16]Do you mean that I have to give you notice before I can make a withdrawal?
[00:20.64]您是说，在我取款之前，得事先给您一个通知吗？
[00:23.12]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.
[00:29.83]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。
[00:36.55]J:How much notice must I give ?
[00:37.86]雅各布斯：我需要提前多少时间通知银行？
[00:39.18]C:Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .
[00:44.34]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。
[00:49.50]Of course ,the bank has the option of enforcing the rule should it be necessary .
[00:52.18]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。
[00:54.86]J:That's amazing .I never knew that before .
[00:56.72]雅各布斯：这倒令我吃惊，以前我从来不知道这些。
[00:58.59]C:You'll find that all banks are required to have the same rule .
[01:00.54]职员：您会发现，所有的银行都有这些同样的规章。
[01:02.48]J:I guess I've never read the fine print on my passbook before.
[01:05.01]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。
[01:07.53]This next item says that there is a service charge for more than two transactions a month .
[01:11.07]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。
[01:14.61]C;Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.
[01:17.71]职员：是的，雅各布斯夫人。同样，这也是属于法定条例。
[01:20.82]The main reason is to discourage the use of savings accounts for frequent transactions .
[01:23.97]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。
[01:27.12]Current ,or checking,accounts are designed for regular and frequent transactions.
[01:30.03]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。
[01:32.94]J:But I've never been charged.
[01:34.08]雅各布斯：但是，我却从来没有为此付过费用。
[01:35.22]C:Well,most banks rarely invoke that regulation .
[01:37.74]职员：哦，大多数银行很少实行那条规定。