Opening a Current Account
開立往來帳戶
Situation 17
情景 17
John Spence is asking a clerk at the First National Bank about current accounts.
約翰·斯彭斯正在向第一國民銀行的一位職員詢問有關(guān)往來帳戶的事宜。
Spence:Would you please tell me something about current accounts?I've heard the term,but I'm not sure I understand what it means.
斯彭斯：您能給我講講有關(guān)往來帳戶的事嗎？我聽說過這個術(shù)語，但是我不完全明白它的含義。
Clerk:The term current account means a demand account .Actually ,a checking account.
職員：往來帳戶這個術(shù)語就是活期帳戶的意思。實際上，就是支票帳戶。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常當(dāng)我們談?wù)摰接善髽I(yè)持有的支票帳房時，我們就使用往來帳戶或者活期帳戶這樣的術(shù)語。
S：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是說，作為個人，我不能開立往來帳戶嗎？
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account,
職員：不，我不是那個意思。任何人，無論是企業(yè)還是個人都可以開立往來帳戶。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是，我們一般稱個人帳戶為個人支票帳戶，這僅僅是帳戶名稱不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那么您為什么稱他們?yōu)榛钇趲裟兀?BR> C:That means that the balances in the accounts are subject to withdrawal on demand.
職員：這就是說，帳戶上的余額便于提取或者便于需要。
In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account .
換句話說，要想從帳戶中提取，只需填寫一張用款需求單或一張支票就可以了。
S:Aren't all accounts like that ?
斯彭斯：并不是所有的帳戶都是這樣做的吧？
C:No,sir .Time or savings accounts actually require a notice to the bank ,
職員：是的，先生。定期存款帳戶或儲蓄帳戶實際上都需要給銀行一個通知，
usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
通常是七天前通知銀行，存款人才有權(quán)力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
當(dāng)然，一般情況下，我們通常不必提前通知，并且允許立即提款。
however,we cannot ask for such notice .
然而，對于活期帳戶或者往來帳戶我們根本無權(quán)要求取款提前通知。
開立往來帳戶
Situation 17
情景 17
John Spence is asking a clerk at the First National Bank about current accounts.
約翰·斯彭斯正在向第一國民銀行的一位職員詢問有關(guān)往來帳戶的事宜。
Spence:Would you please tell me something about current accounts?I've heard the term,but I'm not sure I understand what it means.
斯彭斯：您能給我講講有關(guān)往來帳戶的事嗎？我聽說過這個術(shù)語，但是我不完全明白它的含義。
Clerk:The term current account means a demand account .Actually ,a checking account.
職員：往來帳戶這個術(shù)語就是活期帳戶的意思。實際上，就是支票帳戶。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常當(dāng)我們談?wù)摰接善髽I(yè)持有的支票帳房時，我們就使用往來帳戶或者活期帳戶這樣的術(shù)語。
S：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是說，作為個人，我不能開立往來帳戶嗎？
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account,
職員：不，我不是那個意思。任何人，無論是企業(yè)還是個人都可以開立往來帳戶。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是，我們一般稱個人帳戶為個人支票帳戶，這僅僅是帳戶名稱不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那么您為什么稱他們?yōu)榛钇趲裟兀?BR> C:That means that the balances in the accounts are subject to withdrawal on demand.
職員：這就是說，帳戶上的余額便于提取或者便于需要。
In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account .
換句話說，要想從帳戶中提取，只需填寫一張用款需求單或一張支票就可以了。
S:Aren't all accounts like that ?
斯彭斯：并不是所有的帳戶都是這樣做的吧？
C:No,sir .Time or savings accounts actually require a notice to the bank ,
職員：是的，先生。定期存款帳戶或儲蓄帳戶實際上都需要給銀行一個通知，
usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
通常是七天前通知銀行，存款人才有權(quán)力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
當(dāng)然，一般情況下，我們通常不必提前通知，并且允許立即提款。
however,we cannot ask for such notice .
然而，對于活期帳戶或者往來帳戶我們根本無權(quán)要求取款提前通知。