關(guān)于外幣儲(chǔ)蓄存款的講解（雙語(yǔ)）

　　下面是學(xué)習(xí)啦小編整理的關(guān)于外幣儲(chǔ)蓄存款的講解， 希望對(duì)大家有幫助。

　　1.Prospective B-type Foreign Currency Depositors

　　1.乙種外幣存款的開戶對(duì)象

　　All foreigners, Chinese of foreign nationalities and overseas Chinese living in and outside the Chinese mainland and the regions such as Hong Kong, Macao and Taiwan, and compatriots in Hong Kong, Macao and Taiwan are permitted to open accounts of B-type foreign currency deposit in their own names.

　　居住在中國(guó)境內(nèi)外、港澳臺(tái)地區(qū)的外國(guó)人、外籍華人、華僑、港澳臺(tái)同胞，均可以本人名義開立本存款賬戶。

　　2.Prospective C-type Foreign Currency Depositors

　　2、丙種外幣存款的開戶對(duì)象

　　All Chinese residents holding foreign currencies are permitted to open accounts of C-type foreign currency deposit.

　　凡持有外幣的中國(guó)境內(nèi)居民均可以開立丙種外幣存款賬戶。

　　The Bank adopts the principle of separate management for accounts of deposit in foreign exchange and foreign banknotes, i.e. accounts of foreign exchange and accounts of foreign banknotes.

　　銀行對(duì)外匯或外幣現(xiàn)鈔存入采取不同賬戶管理原則，即區(qū)分外匯賬戶和外鈔賬戶。

　　1.Accounts of Foreign Exchange (Foreign Exchange Accounts)

　　1、外匯賬戶(簡(jiǎn)稱外匯戶)

　　All convertible foreign exchange remitted, brought or mailed into the territory from abroad may be deposited in the foreign exchange accounts. For foreign currency bills for which prompt payment may not be made, they are to be collected by the Bank, and, when collected, deposited in the Bank.

　　凡從境外匯入、攜入或寄入的可自由兌換的外匯可存入外匯賬戶。不能立即付款的外幣票據(jù)，需經(jīng)銀行辦理托收，收托后方可入賬。

　　2.Accounts of Foreign Banknotes (Foreign Banknotes Accounts)

　　2、外鈔賬戶(簡(jiǎn)稱外鈔戶)

　　All convertible foreign banknotes brought in the territory from abroad may be deposited in the foreign banknotes accounts.

　　凡從境外攜入的可自由兌換的外幣現(xiàn)鈔，存入外鈔賬戶。

　　In opening an account of B-type foreign currency deposits, the depositor shall present his or her passport, the residence certificate or other valid credentials for all foreigners or Chinese of foreign nationalities.

　　In opening an account of C-type foreign currency deposits, the depositor shall present his or her ID card or other valid credentials.

　　開立乙種外幣存款賬戶時(shí)，外籍儲(chǔ)戶可憑其護(hù)照，居民證明或其他有效身份證件。

　　開立丙種外幣存款賬戶時(shí)，儲(chǔ)戶可憑其護(hù)照，居民證明或其他有效身份證件。

　　The types of currencies that may directly be deposited in foreign bank-notes accounts include: U.S. dollar, Pound sterling, Euro, Japanese yen, and Hong Kong dollar, the types of currencies that may directly be deposited in foreign exchange accounts, aside from the above-mentioned five types, also include: Canadian dollar, Swiss franc, Belgium franc, Netherlands guilder, and Australian dollar. For other convertible foreign currencies, the depositor may choose any of the above-mentioned currencies and deposit after conversion according to the foreign exchange quotations on that day.

　　可直接存入外鈔存款賬戶的貨幣種類有：美元、英鎊、歐元、日元、港幣等貨幣;可直接存入外匯存款賬戶的貨幣除上述五種外，還有：加拿大元、瑞士法郎、比利時(shí)法郎、荷蘭盾、澳大利亞元等貨幣。其它可自由兌換的外幣由存款人自由選擇上述之一種，按當(dāng)日外匯牌價(jià)折算存入。

　　Savings Deposits

　　活期存款

　　Foreign currency savings deposits may be kept in the account of deposit certificate or checking account. They may be deposited and withdrawn at any time. The minimum amount for such deposit is foreign currencies with a value not less than the equivalent of RMB 100 yuan for a B-type account of deposit, or foreign currencies with a value not less than the equivalent of 20 RMB yuan for a C-type account of deposit.

　　外幣活期存款為存折戶和支票戶，可隨時(shí)存取，開戶起存金額：乙種賬戶存款為不低于人民幣100元的等值外幣;丙種賬戶存款為不低于人民幣20元的等值外幣。

　　Time Deposits

　　定期存款

　　Time Deposits of Lump-sum Deposit and Lump-sum Withdrawal

　　整存整取定期存款

　　Time deposits of lump-sum deposit and lump-sum withdrawal are fixed deposits that are deposited by lump-sum, and whose principal and interest are paid by lump-sum upon maturity. The terms of deposit are divided into five grades: 1 month, 3 months, 6 months, 1 year or 2 years. The Bank issues registered certificates of deposit for such deposits.

　　整存整取定期存款為固定存期，一次存入，到期一次支取本息，存期分為1個(gè)月、3個(gè)月，6個(gè)月，1年，2年五個(gè)檔次。銀行出具記名式存單。

　　Foreign currencies with a value not less than the equivalent of 500 RMB yuan for a B-type deposit, or foreign currencies with a value not less than the equivalent of RMB50 yuan for a C-type deposit. Such deposit may be withdrawn fully or partially prior to maturity for once, or, upon authorization in advance, handled on agency renewal of depositing upon maturity by the bank.

　　乙種存款為不低于人民幣500元的等值外幣;丙種存款為不低于人民幣50元的等值外幣。本存款可允許全部或部分提前支取一次，也可預(yù)約由銀行代辦到期轉(zhuǎn)期續(xù)存。

　　Savings/Time Optional Deposits

　　定活兩便存款

　　Savings/time optional deposit in foreign currency are registered deposit without fixed amount, without definite maturity, whose interest rate varies in line with the length of maturity. The minimum amount of deposit is the foreign currency with a value not less than the equivalent of 50 RMB yuan. The longest maturity is 1 year, and the interest is computed at a discount rate relevant to the corresponding grade of interest rate for time deposits of lump-sum depositing and lump-sum withdrawal according to the actual number of days deposited. The interest is computed with reference to interest rate of the RMB Time/Current Optional Deposits.

　　外幣定活兩便存款是一種不確定存期，利率隨存期長(zhǎng)短而變動(dòng)的記名式不定額存款。起存金額不低于人民幣50元的等值外幣。存期最長(zhǎng)為1年，按實(shí)存天數(shù)，符合整存整取定期存款哪個(gè)檔次就按該檔次利率打折計(jì)息。計(jì)息參照“人民幣定活兩便儲(chǔ)蓄存款”。

　　Seven-day Notice Deposit

　　七天通知存款

　　The principal is deposited in a lump-sum for a maturity of not less than seven days. The minimum amount of deposit is the foreign currency with a value not less than the equivalent 5,000 RMB yuan. For the withdrawal of such deposit, the Bank shall be informed in writing seven days ahead of time.　　一次性存入本金，存期不少于7天，起存金額不低于5,000元人民幣的等值外幣。支取存款需在7天前書面通知銀行。