| I£®Product of Marketing | | Ò»¡¢ÓªÏú²úÆ· |
| Foreign Exchange Deposit | | Íâ±Ò´¢Ðî |
| II. Client¡¯s Background Information | | ¶þ¡¢¿Í»§±³¾° |
| 1.Name: Wang Qian 6.She lives with her son. Her husband works abroad and remits 800 US dollars to her every month. | | 1¡¢ÐÕÃû£ºÍõÙ» 6¡¢Ëý´øÒ»¶ù×ÓÉú»î¡£ÕÉ·òÔÚ¹úÍ⹤×÷£¬Ã¿Ô¸øËý»ã800ÃÀÔª¡£ |
| III. Content of Speech | | Èý¡¢Ñݽ²ÄÚÈÝ |
| I am Hu Jing , a bank clerk of ICBC Developing District Sub-branch, Hua Yang Savings Office. The product of marketing in my speech is Foreign Exchange Deposit. | | Îҽкú¾²£¬ÎÒÊǹ¤ÉÌÒøÐпª·¢ÇøÖ§ÐУ¬»ªÑî´¢ÐîËù´¢ÐîÔ±¡£ÎÒÓªÏúµÄ²úÆ·ÊÇ¡°Íâ±Ò´¢Ð¡£ |
| Hello! Welcome to Hua Yang savings office. I am Number 6 savings clerk. Since your husband is now working overseas and remits you 800 US dollars every month, I suggest you (should) open a foreign exchange account in our office to keep the money for your son¡¯s college education. Now let me explain what foreign currency deposit is. | | ÄúºÃ£¡»¶ÓÄú¹âÁÙ»ªÑî´¢ÐîËù£¬ÎÒÊÇ6ºÅ´¢ÐîÔ±£¬ºÜ¸ßÐËÄÜΪÄú·þÎñ¡£ÄúÕÉ·òÔÚ¹úÍ⹤×÷£¬Ã¿Ô¸øÄú»ãÀ´800ÃÀÔª£¬ÎÒ½¨ÒéÄúÔÚÎÒÃÇ´¢ÐîËù½«Íâ±Ò´æ´¢ÆðÀ´£¬½«À´Äú¶ù×ÓÉÏ´óѧÄÜÅÉÉÏ´óÓó¡¡£ÎÒÏȸøÄú½éÉÜÒ»ÏÂʲôÊÇÍâ±Ò´¢Ðî¡£ |
| Foreign exchange deposit refers to the savings account opened by the customer to deposit his cash or bill denominated in foreign currency and the bank repays the principal together with interest according to relevant regulations. The deposit account can be divided into two categories as the foreign exchange fixed deposit and the foreign exchange demand deposit based on the use of funds. You can select one of them or both freely. | | Íâ±Ò´¢ÐîÒµÎñÊÇÖ¸¸öÈ˽«Íâ±ÒÏÖ½ðÒÔ¼°Íâ±ÒƱ¾Ý´æÈë´¢ÐîÕË»§£¬ÒøÐÐÒÀ¾ÝÓйع涨֧¸¶±¾½ðºÍÀûÏ¢µÄ´¢Ðî´æ¿î¡£¸ù¾Ý×ʽðµÄʹÓÃÇé¿ö£¬Íâ±Ò´¢Ðî¿ÉÒÔ·ÖΪ¶¨ÆÚ¡¢»îÆÚÁ½ÖÖÐÎʽ¡£Äú¿ÉÒÔÑ¡ÔñÒ»ÖÖ»òÁ½ÖÖ´æ¿îÐÎʽ¡£ |
| Time deposits of lump-sum deposit and 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: one month, three months, six months, one year and two years. The bank issues registered deposit certificates for such deposits. The minimum amount for account opening is foreign currencies with a value not less than the equivalent of RMB500 for a B-type deposit, or foreign currencies with a value not less than the equivalent of RMB50 for a C-type deposit. Such deposit may be withdrawn fully or partly prior to maturity for once, or, upon authorization in advance, has the bank handle on agency renewal of depositing upon maturity. | | Õû´æÕûÈ¡¶¨ÆÚ´æ¿îΪ¹Ì¶¨´æÆÚ£¬Ò»´Î´æÈ룬µ½ÆÚÒ»´Î֧ȡ±¾Ï¢£¬´æÆÚ·ÖΪ1¸öÔ¡¢3¸öÔ£¬6¸öÔ£¬1Ä꣬2ÄêÎå¸öµµ´Î£¬ÒøÐгö¾ß¼ÇÃûʽ´æµ¥¡£ÒÒÖÖ´æ¿îΪ²»µÍÓÚÈËÃñ±Ò500ÔªµÄµÈÖµÍâ±Ò£»±ûÖÖ´æ¿îΪ²»µÍÓÚÈËÃñ±Ò50ÔªµÄµÈÖµÍâ±Ò¡£±¾´æ¿î¿ÉÔÊÐíÈ«²¿»ò²¿·ÖÌáǰ֧ȡһ´Î£¬Ò²¿ÉÔ¤Ô¼ÓÉÒøÐдú°ìµ½ÆÚתÆÚÐø´æ¡£ |
| Foreign currency savings deposits may be kept in the account of deposit certificate and checking account. They may be deposited and withdrawn at any time. The minimum amount for account opening is foreign currencies with a value not less than the equivalent of 100 RMB yuan for a B-type account of deposit, or with a value not less than the equivalent of 20 RMB yuan for a C-type account of deposit. | | Íâ±Ò»îÆÚ´æ¿îΪ´æÕÛ»§ºÍ֧Ʊ»§£¬¿ÉËæʱ´æÈ¡£¬¿ª»§Æð´æ½ð¶î£ºÒÒÖÖÕË»§´æ¿îΪ²»µÍÓÚÈËÃñ±Ò100ÔªµÄµÈÖµÍâ±Ò£»±ûÖÖÕË»§´æ¿îΪ²»µÍÓÚ20ÔªÈËÃñ±ÒµÄµÈÖµÍâ±Ò¡£ |
| The following 8 kinds of foreign currencies are available: US dollar, Japanese yen, Hong Kong Dollar, Euro, Pound sterling, Switzerland franc, Australian dollar, Canadian dollar. Both foreign exchange and cash are receivable. | | Ä¿Ç°ÎÒÐÐÓÐ8ÖÖÍâ±Ò¿ÉÒÔ´æ´¢£ºÃÀÔª¡¢ÈÕÔª¡¢¸Û±Ò¡¢Å·Ôª¡¢Ó¢°÷¡¢ÈðÊ¿·¨ÀÉ¡¢°ÄÔª¡¢¼ÓÔª¡£Ïֻ㡢ÏÖ³®¾ù¿É´æÈ¡¡£ |
| Will you think over my suggestions? I can handle it if you want to open an account right now or contact me later. Remember that I am No. 8 clerk. | | ÄúÄÜ¿¼ÂÇÒ»ÏÂÎҵĽ¨ÒéÂð£¿Èç¹û¿ÉÒԵĻ°£¬ÎÒ½ñÌì¾Í¿ÉΪÄú°ìÀí¡£Èç¹ûÒÔºó°ìÀí£¬µ½Ê±¿É±ðÍüÁËÕÒÎÒ£¬ÎҵŤºÅÊÇ8¡£ |
ÓÅ»ÝȯÁìÈ¡ºó72СʱÄÚÓÐЧ£¬10ÍòÖÖ×îÐÂöλÔÓéÀֵǼÈë¿ÚÏÂÔØ¿¼Ö¤Ààµç×Ó´òÓ¡öλÔÓéÀÖ¹Ù·½appÏÂÔØÈÎÄãÑ¡¡£º¸ÇÈ«¹ú500ÓàËùԺУöλÔÓéÀÖ¹Ù·½appÏÂÔØöλÔÓéÀֵǼÈë¿ÚÏÂÔؿΡ¢200¶àÖÖÖ°Òµ×ʸñöλÔÓéÀֵǼÈë¿ÚÏÂÔØ¡¢1100¶àÖÖ¾µä½Ì²Ä£¬²úÆ·ÀàÐÍ°üº¬µç×ÓÊé¡¢Ìâ¿â¡¢È«Ì×öλÔÓéÀÖ¹Ù·½appÏÂÔØÒÔ¼°ÊÓƵ£¬ÎÞÂÛÄúÊÇöλÔÓéÀÖ¹Ù·½appÏÂÔظ´Ï°¡¢¿¼Ö¤Ë¢Ì⣬»¹ÊÇ¿¼Ç°³å´ÌµÈ£¬²»Í¬ÀàÐ͵IJúÆ·¿ÉÂú×ãÄúѧϰÉϵIJ»Í¬ÐèÇó¡£ ...öλÔÓéÀֵǼÈë¿ÚÏÂÔØÓÅ»Ýȯ ±¾Õ¾Ð¡±à FreeÒ¼°Û·ÖѧϰÍø 2022-09-19