银行英语情景口语 第74期:外汇业务 代理保险业务(2)

 　　A: Hello, Sir. So，you are back?

　　您好，先生。啊，您回来啦？

　　B: Yes,hello again. I would like to know the exact difference between Dividend¹ Deposit and Dividend Participated Deposit.

　　是的，你好，又见面了。我想知道红利存款和分红派息存款到底有什么区别。

　　A: That's pretty easy to explain. With the Deposit, the interest is fixed², but the Dividend of each policy will be transferred automatically into your bank account by the end of each year. The longer the term, the higher the Dividend you earn. This is becausc it is calculatcd at the Compound Interest Rate.

　　这是很容易解释的。办理红利存款的话，利息是固定的，而保险红利在每个保单年度末自动转到您的银行账户里。期限越长，红利越多。 这是因为它是按复利计算的。

　　B: And I can purchase that here?

　　那么我可以在这里购买吗？

　　A: Yes. And if you already have a Current Account with us, the Insurance Premium³ can be paid through it, which saves all of us a lot of hassle.

　　可以。还有，如果您在我们这里已经有了一个活期账户的话，保险费可以通过该账户支付，从而使我们双方都避免了很多麻烦。

1 dividend   

n.红利，股息；回报，效益

参考例句：

• The company was forced to pass its dividend.该公司被迫到期不分红。
• The first quarter dividend has been increased by nearly 4 per cent.第一季度的股息增长了近 4%。

2 fixed   

adj.固定的，不变的，准备好的；(计算机)固定的

参考例句：

• Have you two fixed on a date for the wedding yet?你们俩选定婚期了吗？
• Once the aim is fixed,we should not change it arbitrarily.目标一旦确定，我们就不应该随意改变。

3 premium   

n.加付款；赠品；adj.高级的；售价高的

参考例句：

• You have to pay a premium for express delivery.寄快递你得付额外费用。
• Fresh water was at a premium after the reservoir was contaminated.在水库被污染之后，清水便因稀而贵了。