{业务管理}银行业务与管理中英对照阅读辅导大全.docx

{业务管理}银行业务与管理中英对照阅读辅导大全 金融英语-高级-银行业务与管理-银行基础知识英语通知储蓄存款 Noticedepositisdefinedasonethatdoesnothavedefinitetermwhenmakingdepositsandthet ypesarechoseninadvance(nowtherearetwotypes:onedaynoticedepositandsevendaysnotic edeposit),andyoumustinformthebankbeforethewithdrawalofthedateandamountofwithdra wal.Usuallytheminimumamountofnoticedepositis50,000RMByuaninalumpsumwiththeminim umwithdrawalsumnotlessthan50,000RMByuaneachtime.Youcandepositmoneyinalumpsumand withdrawmoneyinalumpsumorbyseveraltimes. 通知储蓄存款是一种存款人在存入款项时不约定存期，预先确定品种（目前分一天通知储蓄存款、七天通知储蓄存款两个品种），支取时需提前通知银行，约定支取日期及金额的储蓄存款方式。一般 5 万元起存，最低支取金额 5 万元，一次存入，可分一次或多次支取的储蓄存款。 通信存款 DepositsbycorrespondencerefertothewayinwhichoverseasChinese,HongKong,MacaoandTa iwanpatriots,Chineseofforeignnationalityanddomesticresidentsapprovedtosettledow norstudyabroadauthorizedomesticbankstohandlesavingsdepositsfortheirfundsabroad. 通信存款是指华侨、港澳台胞、外籍华人及批准出境定居或留学的国内居民，将其在国外的资金委托国内银行办理储蓄存款的一种方式。 Aclientsendingaletterauthorizingthebanktohandlethedepositsbycorrespondencemaygo throughtheaccountopeningproceduresbyattachingduplicatesofhisorherIDcard,passpor torexitpassandothervalidcredentials,fillingouttheApplicationFormforOpeningAccou ntofDepositsbyCorrespondence,choosingthetypeofdepositsaccordingtothetypesofserv icesalreadytransactedbythebank(say,currentdeposit,timedepositandcurrent-timeopt ionaldeposits,etc.),andalsopre-assignthemethodofwithdrawallater. 来信委托银行办理通信存款开户的客户，须附身份证、护照或出境通行证等有效证件的影印件，填写“通信存款开户申请书”，根据银行已开办的业务种类（如活期、定期、定活两便等）选择存款种类，并约定日后的支取方式，即可办理开户手续。 储蓄存款挂失业务 Ifacertificateofdeposit,abankpassbookorasealofaclientislostorstolen,orthepasswo rdisforgotten,thelossreportingmaybehandledatthebankasthefollowingprocedures: 客户的储蓄存单、存折、印鉴如不慎遗失、被盗或密码遗忘，可按下列手续到银行办理挂失： Theclientshallimmediatelyhandlethewrittenlossreportingproceduresattheoriginalde positorybank.Inreportingloss,theclientshallpresentthepersonalcredentials(IDcard,r esidencepermit,passport,etc.)andalsoprovidetherelateddepositinformationsuchasac count,accountholder’sname,timeofaccountopeni