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零售银行业务英语与常用词汇手册(33页).rar

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《零售银行业务英语与常用词汇手册》(33页).rar第一章 零售银行业务 Chapter One Retail Banking 导语 Introduction 近年来,我国居民财富正进入一个快速增长的阶段,随之而来的是居民对于投资理财、个人信贷、保险等金融服务需求日趋旺盛。业内人士称,由于零售银行业务涉及居民的生活、消费、投资等方方面面,与证券、保险、基金等多个金融市场有非常强的交叉性。 零售银行业务不是某一项业务的简称,而是众多业务的总称。它是商业银行运用现代经营理念,依托高科技手段,向个人、家庭和中小企业提供的综合性、一体化的金融服务,包括存取款、贷款、投资理财等业务。 During recent years, domestic wealth in China has entered into a stage of rapid growth. This is driving the Chinese people's demand for financial services including investment, wealth management, personal credit, insurance, etc. Insiders point out that, retail banking, which is related to people's life, consumption and investment is interlinked to securities, insurance, fund and many other financial markets. Retail banking is not the short name of one certain business, but rather the generic term for a number of businesses. In retail banking, commercial banks utilizing modern operation philosophy and high technology provide individuals, households and SMEs with a portfolio of financial services including depositing, deposit withdrawal, lending, investment, and wealth management and so on.   第一节储蓄存款业务 Section One Savings Deposit 一、短句 I. Phrases 1.活期存款 活期存款是一种不限存期,凭银行卡或存折及预留密码可在银行营业时间内通过柜面或通过银行自助设备随时存取现金的服务。活期储蓄客户可随用随取,资金流动性强;客户也可以将活期存款账户设置为缴费账户,由银行自动代缴各种日常费用。 1. Demand Deposit A demand deposit refers to a deposit that does not specify the deposit term and can be deposited or withdrawn at any time. It is a service by which depositors can withdraw cash at any time with their bank card or bank book, and pre-set password through the cashier during bank working hours or ATM. Demand deposit features high liquidity. Such account can also be set as payment account, from which the bank can make payments upon holders' requests.  2.定活两便储蓄存款 Time / Demand Optional Deposit 人民币定活两便储蓄存款是存款时不确定存期,一次存入本金随时可以支取的业务。 Time / Demand Optional Deposit does not specify the deposit term. Depositors can make deposits once, then make withdrawals at a