整存零取定期储蓄

时间：2007-04-07 01:32:51

（单词翻译:单击）

The time Deposit is a method of bank deposit with a definite date of maturity1, made for one time or by many times on schedule （during the appointed deposit term），or withdrawn2 together with the interest in a lump sum or by installment3.　 　 定期储蓄是在存款时约定存期，一次或按期分次（在约定存期）存入本金，整笔或分期支取本金利息的一种储蓄形式。　
According to the way of deposit and withdrawal4, the time deposit has the following categories: lump-sum deposit & withdrawing, small savings5 for lump-sum withdrawal, interest withdrawal on a principal deposited, big money saving and small withdrawing time deposit, etc.　 　 按存取方式定期储蓄分为整存整取定期储蓄存款、零存整取定期储蓄存款、存本取息定期储蓄存款、整存零取定期储蓄存款等。　
I.Definition　 　 一、定义　
Lump-sum saving for small withdrawal time deposit refers to savings deposit whose principal is deposited at a time with the minimum amount of 1,000 RMB yuan. The maturities6 range from three grades: 1 year, 3 years and 5 years.　 　 整存零取定期储蓄存款是指一次存入本金，起存金额为1,000元人民币，存期分一年、三年、五年的一种储蓄存款形式。　
II.Service Features　 　 二、业务特点　
1.Lump-sum saving for small withdrawal time deposit has the characteristics of long maturity and high interest rate ,and suitable for depositing of savings that will not be used within a quite long period of time.　 　 1、整存零取定期储蓄存款具有期限长、利率高的特点，适用于较长时期不用的节余款项的存储。　
2.The deposit amount is set by the depositor. He can deposit money at a time every month. The interest rate is computed7 at the same rate on the lump-sum deposit & withdrawal time deposit. The savings office will issue a deposit passbook8（certificate） to him, with which the depositor can withdraw the principal by installment, or at a time by every month, 3 months or 1/2 year in the drawdown period, which can be negotiated between the savings office and the depositor. The interest is paid when the deposit is due.　 　 2、存款金额由储户自定，每月存入一次，到期支取本息，其利息计算方法与整存整取定期储蓄存款计息方法一致。由储蓄机构发给存单（折），凭存单（折）分期支取本金，支取期分一个月、三个月、半年一次，由储户与储蓄机构协商确定，利息于期满结清时支取。　
3.Lump-sum saving for small withdrawal time deposit has the characteristics of long maturity and high interest rate ,and suitable for depositing of savings that will not be used within a quite long period of time.　 　 3、整存零取定期储蓄存款具有期限长、利率高的特点，适用于较长时期不用的节余款项的存储。　
V. Procedures for Account Opening　 　 五、开户手续　
1.In opening an account of time deposit of small savings for lump-sum withdrawal, the depositor shall present his or her his or her ID card or other valid9 credentials10.　 　 1、开立整存零取定期储蓄存款账户时，储户可凭其身份证或其他有效身份证件。　
2. Such deposit may be withdrawn fully11 or partly prior to maturity for once, or, upon authorization12 in advance, and handled on agency renewal13 of depositing upon maturity by the bank.　 　 2、本存款可允许全部或部分提前支取一次，也可预约由银行代办到期转期续存。　
3.At the time of account opening, the client may choose the method of withdrawal by password or with a passbook. If the method of withdrawal by password is chosen, the depositor shall enter on the spot a six-digit password into your savings account through the password processor on the counter.　 　 3、开户时可选择凭密码取款或凭存折取款方式，如选择凭密码取款方式，储户须当场在柜台上的密码器上输入一个6位数字作为账户的密码。

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1 maturity 47nzh     
n.成熟；完成；(支票、债券等)到期
参考例句：
  • These plants ought to reach maturity after five years.这些植物五年后就该长成了。
  • This is the period at which the body attains maturity.这是身体发育成熟的时期。
2 withdrawn eeczDJ     
vt.收回；使退出；vi.撤退，退出
参考例句：
  • Our force has been withdrawn from the danger area.我们的军队已从危险地区撤出。
  • All foreign troops should be withdrawn to their own countries.一切外国军队都应撤回本国去。
3 installment 96TxL     
n.(instalment)分期付款；(连载的)一期
参考例句：
  • I shall soon pay the last installment of my debt.不久我将偿付我的最后一期债款。
  • He likes to buy things on the installment plan.他喜欢用分期付款法购买货物。
4 withdrawal Cfhwq     
n.取回，提款；撤退，撤军；收回，撤销
参考例句：
  • The police were forced to make a tactical withdrawal.警方被迫进行战术撤退。
  • They insisted upon a withdrawal of the statement and a public apology.他们坚持要收回那些话并公开道歉。
5 savings ZjbzGu     
n.存款，储蓄
参考例句：
  • I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时，他的存款已全部用完。
6 maturities d851a9b545796e02deeef998c66789c0     
n.成熟（maturity的复数形式）
参考例句：
  • Maturities of commercial paper range from three days to nine months. 商业票据的期限从3天到9个月不等。 来自互联网
  • German federal government bonds issued with maturities of up to 30 years. 指期限可长达30年的德国联邦政府债券。 来自互联网
7 computed 5a317d3dd3f7a2f675975a6d0c11c629     
adj.[医]计算的，使用计算机的v.计算，估算( compute的过去式和过去分词 )
参考例句：
  • He computed that the project would take seven years to complete. 他估计这项计划要花七年才能完成。 来自《简明英汉词典》
  • Resolving kernels and standard errors can also be computed for each block. 还可以计算每个块体的分辨核和标准误差。 来自辞典例句
8 passbook 3mxzQp     
n.存折；顾客赊欠账簿
参考例句：
  • You fill out this application form and we'll issue you a passbook.你填好这张申请表,我们会给你一本存折。
  • Would you please give your withdrawal slip and your passbook?请把您的取款条和存折给我好吗？
9 valid eiCwm     
adj.有确实根据的；有效的；正当的，合法的
参考例句：
  • His claim to own the house is valid.他主张对此屋的所有权有效。
  • Do you have valid reasons for your absence?你的缺席有正当理由吗？
10 credentials credentials     
n.证明，资格，证明书，证件
参考例句：
  • He has long credentials of diplomatic service.他的外交工作资历很深。
  • Both candidates for the job have excellent credentials.此项工作的两个求职者都非常符合资格。
11 fully Gfuzd     
adv.完全地，全部地，彻底地；充分地
参考例句：
  • The doctor asked me to breathe in,then to breathe out fully.医生让我先吸气，然后全部呼出。
  • They soon became fully integrated into the local community.他们很快就完全融入了当地人的圈子。
12 authorization wOxyV     
n.授权，委任状
参考例句：
  • Anglers are required to obtain prior authorization from the park keeper.垂钓者必须事先得到公园管理者的许可。
  • You cannot take a day off without authorization.未经批准你不得休假。
13 renewal UtZyW     
adj.(契约)延期，续订，更新，复活，重来
参考例句：
  • Her contract is coming up for renewal in the autumn.她的合同秋天就应该续签了。
  • Easter eggs symbolize the renewal of life.复活蛋象征新生。

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