Chapter 2 银行普通业务

1、l1，活期和定期账户l2，外卡取款l3，ATMl存款单ldeposit slipl取款单ldemand sliplwithdrawal sliplwithdrawal listl银行存折lpassbookldeposit booklbankbookl活期账户ldemand accountlcurrent accountl定期账户ltime accountlfixed accountl存期lmaturityl余额lbalancel密码lcodel罚款lpenaltyl存根lstubl面额ldenominationl纸币lnotel手续费lservice chargelhandling feel分

2、行lsub-branchl总行lhead officel存款证明lcertificate of depositl终端机lterminall汇款lremit v.lremittance n.l受益人lbeneficiaryl电汇ltelegraphic transferl信汇lmail transferl票汇ldemand draftl交易ltransactionl税金ltaxl转账，过户ltransferl证券lsecurityl信托账户ltrust accountl槽，位置lslotl按，压lpressl按键lbuttonl屏幕lscreenl指令linstructionl透支loverdr

3、aftl收款人lpayeel支票簿lcheque-bookl结算lsettlementl基金lfundl集团账户存款lgroup account depositl网络结算业务lnetwork settlement servicel多数情况下，我们提供为期三个月、六个月和十二个月的存款期限。lWe offer a choice of three-, six- and twelve-month maturities in most cases.lmaturities plansl利率是随着所存款项的大小和存款期限的长短不同而变化。lThe rate varies with different ma

4、turities and different amount of money you deposit.l一般情况下，存期越长，利率越高。lNaturally, the longer certificates bring a higher rate of return.lThe longer your deposit maturity is, the higher interest rate you can get.l我们银行为大企业和集团提供网络结算服务，办理企业集团内部的资金划汇、账户查询以及代理收付等业务。lOur bank provides such a network settleme

5、nt service for large enterprises and corporations as an internal fund transfer, account inquiry, agency clearing and so on.lQ: Could a foreigner draw money with foreign currency card immediately?lA: No. The bank have to contact with the bank in his/her country, and make the draw request. The foreign

6、er will have to come the next day.lQ: Is there any rules as to draw money with American Express card?lA: Yes. There is a service charge. Its 6% of the withdrawal. The client can only draw money one time within one day. lQ: How to calculate the interest? lA: The days of saving deposit are calculated

7、by 30 days per month, 365 per year. The interest equals cash multiply rate multiply days. Johnson comes to Guangdong Branch, Bank of China to open a current account. He wants to know the interest rate offered by the bank and the documents required for the establishment of an account. A bank clerk me

8、ets him and explains the details to Johnson and then handles the business for him.lSay hello to a bank clerk;lInquire about the rates of interest on different deposits;lAsk how to fill in the deposit slip;lPresent ID to the bank clerk;lTell the clerk the currency, type and term of the deposit;lHand

9、over the money to the bank clerk;lSet an 6-digit password;lCheck the bank book or passbook;JohnsonlExchange greetings;lExplain the rates of interest on different deposits;lHelp the customer to fill in the deposit slip;lRequire the customer to present his ID;lCheck the deposit slip and correct any mi

10、stakes;lConfirm the currency, type and the term of the deposit;lCheck the amount of money to be deposited;lRequire the customer to set a password and ask him to confirm the password by keying in it again;lHand over the bank book or passbook to the customer.Bank Clerk lPin (number) 密码lBalance inquiri

11、es 余额查询 lWithdrawals 取款lDepoist 存款lTransfer 转帐lTransferee card No. 转入卡卡号lTrans Amount 交易金额lTrans Type 交易类型lTerm deposit 定期储蓄 lAccount balance 账户余额 lSignature 签名lIdentity number 身分证号码 lCard captured 吞卡lCommission/ service charge手续费lbill 钞票loverdraw/overdraft 透支lvoucher 凭单、小票lWhat should you do if you

12、 forgot your password when you withdrew money from an ATM?Show your ID card and report the matter to the bank manager nearby; Fill in an application form for loss reporting and apply for the change of the password or a new bank card at your depository bank;Present your ID to show your valid identity;Give some information about your bank account to prove that your are the holder of the card;Your identity will be verified and the information