國(guó)際商務(wù)師業(yè)務(wù)外語(yǔ)輔導(dǎo)之PersonalNoticeDeposit個(gè)人通知存款
來(lái)源：網(wǎng)絡(luò)發(fā)布時(shí)間：2010-03-10 23:51:14
I. Product of Marketing
一、營(yíng)銷產(chǎn)品
Personal Notice Deposit
個(gè)人通知存款
II. Client's Background Information
二、客戶背景
1.Name：Wang Lin
2.Sex： Male
3.Age： About fifty years old
4.Occupation： The owner of a privately-owned enterprise
5.Education： College
6.Wang Lin owns a clothing factory， with yearly income of about 10，000 RMB yuan， but the income is often used as working capital. 1、姓名：王林
2、性別：男
3、年齡：50歲左右
4、職業(yè)：私營(yíng)企業(yè)主
5、文化程度：大專
6、王林經(jīng)營(yíng)一家服裝廠，每月收入近10，000元人民幣，但每月收入經(jīng)常用于資金周轉(zhuǎn)。
III. Content of Speech
三、演講內(nèi)容
Hello！ I am Hu Jin，a bank clerk from ICBC North City Sub-branch， Wen Hui savings office. The product of marketing is Personal Notice Deposit.
您好！我叫胡津，是工商銀行城北支行文匯儲(chǔ)蓄所儲(chǔ)蓄員。我營(yíng)銷的產(chǎn)品是“個(gè)人通知存款”。
Welcome to our savings office. I am No 2 clerk. It's my pleasure to give you some advice for your reference.
歡迎您光臨文匯儲(chǔ)蓄所，我是2號(hào)儲(chǔ)蓄員。很高興能為您服務(wù)，給您提個(gè)建議，供您參考。
Personally， I do believe you'd better open a notice deposit account， which is suitable for you as you have a bit more income often used as working capital. Personal notice deposit is a sort of savings deposit， the term of which is not determined on occasion of deposit， and which can be withdrawn only after informing the bank of the withdrawal date and amount beforehand. Personal notice deposit is specifically designed for the valued clients like you with a large sum of short-term deposit.
像您這種情況，每月收入較高，又經(jīng)常用于周轉(zhuǎn)，我建議您還是辦理通知存款較為合適。個(gè)人通知存款是指存款人在存入款項(xiàng)時(shí)不約定存期，支取時(shí)需提前通知金融機(jī)構(gòu)，約定支取存款日期和金額方能支取的儲(chǔ)蓄存款方式。個(gè)人通知存款是為了滿足像您這樣的有短期大宗存款的優(yōu)質(zhì)客戶而設(shè)置的一種儲(chǔ)蓄種類。
Despite of the actual term of personal notice deposit， there are two varieties of call deposit based on the terms for the withdrawal notified in advance： One-day notice deposit and seven-day notice deposit. As for one-day notice deposit， the notice must be made at least one day in advance for withdrawal of the deposit， and as for seven-day notice deposit， the notice must be given at least seven days in advance for withdrawal of the deposit. Personal call deposit can be registered for loss reporting. The minimum balance requirement of 50，000 RMB yuan is deposited in a lump sum.， and the term is not determined upon deposit. It can be withdrawn in a lump sum or by several times with the minimum withdrawal sum not less than 50，000 RMB yuan each time. On occasion of partial withdrawal， the retained amount in the account is not less than 50，000 RMB yuan.
個(gè)人通知存款不論實(shí)際存期長(zhǎng)短，按存款人提前通知的期限長(zhǎng)短，劃分為一天通知存款和七天通知存款兩個(gè)品種。一天通知存款必須至少提前一天通知約定支取存款，七天通知存款必須至少提前七天通知約定支取存款。個(gè)人通知存款為記名式存款，可以掛失。起存金額50，000元人民幣，須一次性存入， 存入時(shí)不約定期限。個(gè)人通知存款可一次或分次支取，每次最低支取額為50，000元人民幣。部分支取時(shí)賬戶留存金額不得低于50，000元人民幣。
With a personal notice deposit account， you will enjoy a comparatively more favorable interest rate than with a demand deposit account. The rate on a demand deposit is 0.72% while the rate on one-day notice deposit is 1.08%， which is 0.36 percent higher than the former. The rate on seven-day notice deposit is 1.62%， even higher than those mentioned above. So it has not only convenience of demand deposit but also interest of time deposit.
個(gè)人通知存款利率比活期存款利率高，活期儲(chǔ)蓄利率只有0.72%，而一天通知存款的利率就為1.08%，高出活期利率0.36個(gè)百分點(diǎn)。七天通知存款利率就更高，為1.62%，具有活期之便，定期之息的功能。
Will you take my advice？ For more details， please dial our office telephone number at 7323466 or our 24-hour service hotline at 95588 for consultation. You are welcome any time.
我的建議您是否可以考慮一下。欲知詳情，請(qǐng)撥打我們儲(chǔ)蓄所電話7323466，或撥打我行24小時(shí)客戶服務(wù)熱線95588咨詢。隨時(shí)歡迎您的光臨。
