| I. Product of Marketing | | Ò»¡¢ÓªÏú²úÆ· |
| Personal Notice Deposit | | ¸öÈË֪ͨ´æ¿î |
| II. Client¡¯s Background Information | | ¶þ¡¢¿Í»§±³¾° |
| 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¡¢ÐÕÃû£ºÍõÁÖ 6¡¢ÍõÁÖ¾ÓªÒ»¼Ò·þ×°³§£¬Ã¿ÔÂÊÕÈë½ü10,000ÔªÈËÃñ±Ò£¬µ«Ã¿ÔÂÊÕÈë¾³£ÓÃÓÚ×ʽðÖÜת¡£ |
| III. Content of Speech | | Èý¡¢Ñݽ²ÄÚÈÝ |
| 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. | | ÄúºÃ£¡Îҽкú½ò£¬Êǹ¤ÉÌÒøÐгDZ±Ö§ÐÐÎĻ㴢ÐîËù´¢ÐîÔ±¡£ÎÒÓªÏúµÄ²úÆ·ÊÇ¡°¸öÈË֪ͨ´æ¿î¡±¡£ |
| Welcome to our savings office. I am No 2 clerk. It¡¯s my pleasure to give you some advice for your reference. | | »¶ÓÄú¹âÁÙÎĻ㴢ÐîËù£¬ÎÒÊÇ2ºÅ´¢ÐîÔ±¡£ºÜ¸ßÐËÄÜΪÄú·þÎñ,¸øÄúÌá¸ö½¨Ò飬¹©Äú²Î¿¼¡£ |
| 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deposit is a sort of savings deposit, the term of which is not determined on occasion of deposit, and which can be withdrawn only after informing the bank of the withdrawal date and amount beforehand.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. | | ÏñÄúÕâÖÖÇé¿ö£¬Ã¿ÔÂÊÕÈë½Ï¸ß£¬ÓÖ¾³£ÓÃÓÚÖÜת£¬ÎÒ½¨ÒéÄú»¹ÊÇ°ìÀí֪ͨ´æ¿î½ÏΪºÏÊÊ¡£¸öÈË֪ͨ´æ¿îÊÇÖ¸´æ¿îÈËÔÚ´æÈë¿îÏîʱ²»Ô¼¶¨´æÆÚ£¬Ö§È¡Ê±ÐèÌáǰ֪ͨ½ðÈÚ»ú¹¹£¬Ô¼¶¨Ö§È¡´æ¿îÈÕÆںͽð¶î·½ÄÜ֧ȡµÄ´¢Ðî´æ¿î·½Ê½¡£¸öÈË֪ͨ´æ¿îÊÇΪÁËÂú×ãÏñÄúÕâÑùµÄÓжÌÆÚ´ó×Ú´æ¿îµÄÓÅÖÊ¿Í»§¶øÉèÖõÄÒ»ÖÖ´¢ÐîÖÖÀà¡£ |
| 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 It can be withdrawn in a lump sum or by several times with the minimum withdrawal sum not less than 50,000 RMB yuan each time.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. | | ¸öÈË֪ͨ´æ¿î²»ÂÛʵ¼Ê´æÆÚ³¤¶Ì£¬°´´æ¿îÈËÌáǰ֪ͨµÄÆÚÏÞ³¤¶Ì£¬»®·ÖΪһÌì֪ͨ´æ¿îºÍÆßÌì֪ͨ´æ¿îÁ½¸öÆ·ÖÖ¡£Ò»Ìì֪ͨ´æ¿î±ØÐëÖÁÉÙÌáÇ°Ò»Ìì֪ͨԼ¶¨Ö§È¡´æ¿î£¬ÆßÌì֪ͨ´æ¿î±ØÐëÖÁÉÙÌáÇ°ÆßÌì֪ͨԼ¶¨Ö§È¡´æ¿î¡£¸öÈË֪ͨ´æ¿îΪ¼ÇÃûʽ´æ¿î£¬¿ÉÒÔ¹Òʧ¡£Æð´æ½ð¶î50,000ÔªÈËÃñ±Ò£¬ÐëÒ»´ÎÐÔ´æÈ룬 ´æÈëʱ²»Ô¼¶¨ÆÚÏÞ¡£¸öÈË֪ͨ´æ¿î¿ÉÒ»´Î»ò·Ö´Î֧ȡ£¬Ã¿´Î×îµÍ֧ȡ¶îΪ50,000ÔªÈËÃñ±Ò¡£²¿·Ö֧ȡʱÕË»§Áô´æ½ð¶î²»µÃµÍÓÚ50,000ÔªÈËÃñ±Ò¡£ |
| 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. | | ¸öÈË֪ͨ´æ¿îÀûÂʱȻîÆÚ´æ¿îÀûÂʸߣ¬»îÆÚ´¢ÐîÀûÂÊÖ»ÓÐ0.72%£¬¶øÒ»Ìì֪ͨ´æ¿îµÄÀûÂʾÍΪ1.08%£¬¸ß³ö»îÆÚÀûÂÊ0.36¸ö°Ù·Öµã¡£ÆßÌì֪ͨ´æ¿îÀûÂʾ͸ü¸ß£¬Îª1.62%£¬¾ßÓлîÆÚÖ®±ã£¬¶¨ÆÚ֮ϢµÄ¹¦ÄÜ¡£ |
| 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. | | ÎҵĽ¨ÒéÄúÊÇ·ñ¿ÉÒÔ¿¼ÂÇһϡ£ÓûÖªÏêÇ飬Ç벦´òÎÒÃÇ´¢ÐîËùµç»°7323466£¬»ò²¦´òÎÒÐÐ24Сʱ¿Í»§·þÎñÈÈÏß95588×Éѯ¡£Ëæʱ»¶ÓÄúµÄ¹âÁÙ¡£ |
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