银行英语情景口语 第21期:现金业务 单位协定存款情景(1)

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　　Moon先生，很高兴再次见到您。

　　B: Hello Xiao Ping, I'm here to chat with you about Corporate¹ Agreement Savings². What can you tell me?

　　你好，小平，我是来和你聊聊单位协定存款业务。你能告诉我一些情况吗？

　　A: Well, Corporate Agreement Savings will be based on the Agreement Deposit Contract signed by the customer and the bank together. So, this contract decides the terms and the line of basic deposit withheld³ while settling the account. So, if we look within the line of basic deposit, the interest should be counted at the rate of Current Deposit on the day of settlement or withdrawal⁴.

　　嗯，办理单位协定存款的依据是客户与银行一起签署的《协定存款合同》。因此，合同约定了存款期限和结算账户所需要保留的基本存款额度。所以，如果我们考虑的是在基本存款额度内，其存款利息按结算日或支取日的活期存款利率计算。

　　B: What if I exceed?

　　如果我超过了呢？

　　A: If it goes beyond the basic deposit, the agreement will be settled at the rate agreement savings which has been determined⁵ by the People's Bank of China on the day you wish to settle or withdraw.

　　如果超越了基本存款额度，按照协议规定存款利息按结算日或支取日中国人民银行公布的协定存款利率结息。

　　B: Right, I see. It all sounds pretty complicated to me. I think I'm going to need some more time to think about this and make a decision as to what I want to do.

　　好的，我明白了。这些对我来说好像挺复杂的。我想我还需要一些时间来考虑一下这个问題，然后决定怎么做。

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