金融英语|金融英语阅读：外币储蓄存款b

Savings^{1 Deposits}

Foreign currency savings deposits may be kept in the account of deposit certificate or checking account. They may be deposited and withdrawn^{2 at any time.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.}

活期存款

外币活期存款为存折户和支票户，可随时存取，开户起存金额：乙种账户存款为高于人民币100元的等值外币；丙种账户存款为高于人民币20元的等值外币。

Time Deposits

Time Deposits of Lump-sum Deposit and Lump-sum Withdrawal³

Time deposits of lump-sum deposit and lump-sum withdrawal are fixed^{4 deposits that are deposited by lump-sum, and whose principal and interest are paid by lump-sum upon maturity5. The terms of deposit are pided into five grades: 1 month, 3 months, 6 months, 1 year or 2 years. The Bank issues registered certificates of deposit for such deposits.}

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 Such deposit may be withdrawn fully^{6 or partially7 prior to maturity for once, or, upon authorization8 in advance, handled on agency renewal9 of depositing upon maturity by the bank.}

按期存款

整存整取按期存款

整存整取按期存款为固定存期，一次存入，到期一次支取本息，存期分为1个月、3个月，6个月，1年，2年五个档次。银行出具记名式存单。

乙种存款为高于人民币500元的等值外币；丙种存款为高于人民币50元的等值外币。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。

Savings/Time Optional Deposits

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^{10 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.}

定活两便存款

外币定活两便存款是一种不确定存期，利率随存期长短而变动的记名式不定额存款。起存金额高于人民币50元的等值外币。存期最长为1年，按实存天数，符合整存整取按期存款什么档次就按该档次利率优惠计息。计息参照人民币定活两便储蓄存款。

Seven-day Notice Deposit

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.

七天公告存款

一次性存入本金，存期不少于7天，起存金额高于5,000元人民币的等值外币。支取存款需在7天前书面公告银行。