金融英语：银行业务与管理(双语)

金融英语：银行业务与管理(双语)

通知储蓄存款

Notice deposit is defined as one that does not have definite term when making deposits and the types are chosen in advance (now there are two types: one day notice deposit and seven days notice deposit), and you must inform the bank before the withdrawal of the date and amount of withdrawal. Usually the minimum amount of notice deposit is 50,000 RMB yuan in a lump sum with the minimum withdrawal sum not less than 50,000 RMB yuan each time. You can deposit money in a lump sum and withdraw money in a lump sum or by several times.

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。

储蓄存款挂失业务

If a certificate of deposit, a bank passbook or a seal of a client is lost or stolen, or the password is forgotten, the loss reporting may be handled at the bank as the following procedures: 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：

The client shall immediately handle the written loss reporting procedures at the original depository bank. In reporting loss, the client shall present the personal credentials (ID card, residence permit, passport, etc.) and also provide the related deposit information such as account, account holder’s name, time of account opening, amount, type of currency and maturity. The loss reporting may be accepted after the bank certifies them correct, and the bank confirms that the payment has not been made before the loss reporting is handled. If the client can not be present at the bank in handling the loss reporting, he or she may authorize another person to handle it on his / her behalf and at the same time the credentials of the agent shall be presented. The loss reporting of password may not be handled on agency.

客户应立即到原存款行办理书面挂失手续，挂失时客户应持本人身份证件(身份证、暂住证、护照等)并提供账户、户名、开户时间、金额、币种、期限等有关存款内容，经银行审核无误后即可办理挂失，银行经查实确未支付方可受理。如客户不能亲自前往银行，可委托他人代办挂失，同时提供代办人身份证件。密码挂失不准代办。

通信存款

Deposits by correspondence refer to the way in which overseas Chinese, Hong Kong, Macao and Taiwan compatriots, Chinese of foreign nationality and domestic residents approved to settle down or study abroad authorize domestic banks to handle savings deposits for their funds abroad. 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。

A client sending a letter authorizing the bank to handle the deposits by correspondence may go through the account opening procedures by attaching duplicates of his or her ID card, passport or exit pass and other valid credentials, filling out the Application Form for Opening Account of

Deposits by Correspondence, choosing the type of deposits according to the types of services already transacted by the bank (say, current deposit, time deposit and current-time optional deposits, etc.), and also pre-assign the method of withdrawal later. 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。

个人外汇预结汇业务

If you remit fund from abroad into China and want to pay the beneficiary in RMB, bank oversea office can convert it into RMB according to the exchange rate level on the remittance day and inform domestic office to pay RMB fund to the beneficiary appointed by you. 如您在境外向国内汇入汇款，并要求以人民币交付给收款人，银行境外机构可先按照汇款日的汇率水平折成人民币，告知国内机构，并将人民币款项交付给您指定的收款人。

外币兑换业务

Banks can handle the exchange between RMB and foreign currencies at current quotations on the day. Convertible currencies include US dollar, HK dollar, Japanese yen, Euro, English pound, Swiss franc, Australian dollar, Singapore dollar, Norwegian krone, Danish krone, Macao pataca, New Zealand dollar, and etc.

The banks can handle foreign exchange purchase for official foreign visit groups. You are only required to take the exit paper approved by the Administration of Foreign Exchange for the bank’s examination before acquiring foreign exchange.

Foreigners leaving the country can convert the unused RMB, which were converted when they entered the country, into foreign currencies according to their passports and original foreign currency conversion receipts within six months.

银行可按当日牌价为您办理人民币与外币的兑换。可兑换的货币包括：美元、港币、日元、欧元、英镑、瑞士法郎、澳大利亚元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麦克郎、澳门元和新西兰元等。

银行可办理公派出国团组的购汇业务。您只需持外汇管理局审批的出国批件，经银行审核无误后即可予以供汇。

境外人员离境前，可在银行凭本人护照和六个月内原工商银行外币兑换水单将入境时兑换的未用完的人民币兑回外币。

零存整取定期储蓄

SmallSavingsforLump-sumWithdrawal

Time deposit of small savings for lump-sum withdrawal refers to savings deposit whose terms are agreed, and whose fixed amount is deposited every month when opening an account. The minimum amount of deposit is 5 RMB yuan and the maturities range from three grades: 1 year, 3

years and 5 years.

零存整取定期储蓄存款是指开户时约定存期，每月固定存额，起存金额为5元人民币，存期分一年、三年、五年的一种储蓄存款形式。