關(guān)于定期、活期存款的知識(shí)講解（雙語(yǔ)）

　　活期儲(chǔ)蓄存款是指不確定存期、客戶(hù)可隨時(shí)存取款、存取金額不限的一種儲(chǔ)蓄方式。按其存取款方式，活期儲(chǔ)蓄存款又可分為活期存折存款、活期支票存款、定活兩便存款、借記卡及通知存款等。

　　I.Definition

　　一、定義

　　Time-demand optional deposit is defined as one that does not have a definite term with the minimum amount of 50 RMB yuan in the account; that depositors can make deposits or withdrawals at any time without subject to amount limits after you are issued a deposit certificate or deposit passbook by the savings office. The certificate of deposit has two kinds: registered or unregistered. The unregistered certificate can't be reported loss. The passbook must be registered. The registered certificate or passbook can be reported loss.

　　定活兩便儲(chǔ)蓄存款是指不確定存期，起存金額為50元人民幣，開(kāi)戶(hù)后由儲(chǔ)蓄機(jī)構(gòu)發(fā)給存單或存折，存戶(hù)憑存單(折)存取款，存取金額不受限制的一種儲(chǔ)蓄方式。存單有兩種類(lèi)型：記名存單和不記名存單。不記名存單不能掛失。存折必須記名，記名存單(折)可以掛失。

　　II.Service Features

　　二、業(yè)務(wù)特點(diǎn)

　　Time-demand optional deposit is the most basic and conventional method of bank deposit. A client may make deposits or withdrawals at any time. For its free and flexible use of funds, the current passbook deposit is taken as the basis of clients' financial asset managements. Such deposit boasts the flexibility of withdrawal at any time as a savings deposit, and also enjoys a preferential interest rate approaching that for time deposit.

　　定活兩便儲(chǔ)蓄存款是銀行最基本、常用的存款方式?？蛻?hù)可隨時(shí)存取款，自由、靈活調(diào)動(dòng)資金，是客戶(hù)進(jìn)行各項(xiàng)理財(cái)活動(dòng)的基礎(chǔ)。該種儲(chǔ)蓄具有活期儲(chǔ)蓄存款可隨時(shí)支取的靈活性，又能享受到接近定期存款利率的優(yōu)惠。

　　III. Functions

　　三、功能

　　Aside from the functions of deposit and withdrawal, a current passbook deposit account also has the following functions:

　　活期儲(chǔ)蓄賬戶(hù)除了具有存取款功能外，還有以下功能：

　　1.To apply for supportive electronic debit card with which you may handle such banking services as withdrawals and transfer on an ATM, and consumption at the specially engaged shops;

　　1、申辦與之配套的電子借記卡，可在ATM機(jī)上辦理取款及轉(zhuǎn)賬等銀行業(yè)務(wù)，可在特約商戶(hù)購(gòu)物消費(fèi);

　　2.To handle salary payment service on agency;

　　2、辦理代發(fā)薪服務(wù);

　　3.To apply for telephone banking service;

　　3、申請(qǐng)電話銀行服務(wù);

　　4.To make an automatic banking.

　　4、通存通兌。

　　A client with a current passbook deposit account may handle the deposit or the withdrawal at any savings office with the passbook.　　客戶(hù)只要開(kāi)立活期儲(chǔ)蓄存款賬戶(hù)，便可以持存折在任一銀行儲(chǔ)蓄網(wǎng)點(diǎn)辦理存取款業(yè)務(wù)。

　　IV. Procedures for Account Opening

　　四、開(kāi)戶(hù)手續(xù)

　　1.A passbook may be issued to you and a debit card may be applied for at the same time at any savings office after you fill out a deposit slip and deposit a certain amount of cash (RMB 1 yuan at least).

　　1、在各銀行任一分支機(jī)構(gòu)填寫(xiě)存款憑條，存入一定數(shù)額現(xiàn)金(起存1元)，即可獲得活期儲(chǔ)蓄存折并可同時(shí)申請(qǐng)借記卡。

　　2.At the time of account opening, the client may choose the method of withdrawal by password. If the method of withdrawal password is chosen, the client shall put on the spot a six-digit password into your savings account. The password is put in through the password processor on the counter and is unknown to any other person including the teller of the bank. The password is the key with which you may make withdrawals and you must keep it in mind and not leak it to others.

　　2、開(kāi)戶(hù)時(shí)可選擇憑密碼取款或憑存折取款方式，如選擇憑密碼取款方式，客戶(hù)須當(dāng)場(chǎng)選擇一個(gè)6位數(shù)字輸入作為該活期儲(chǔ)蓄賬戶(hù)的密碼，在柜臺(tái)上的密碼器上輸入，包括銀行經(jīng)辦人員在內(nèi)的其他人都無(wú)法知道密碼。密碼相當(dāng)于您取款的一把鑰匙，必須牢記，不可泄露他人。