【正文】 n更多企業(yè)學(xué)院： 《中小企業(yè)管理全能版》183套講座+89700份資料《總經(jīng)理、高層管理》49套講座+16388份資料《中層管理學(xué)院》46套講座+6020份資料《國(guó)學(xué)智慧、易經(jīng)》46套講座《人力資源學(xué)院》56套講座+27123份資料《各階段員工培訓(xùn)學(xué)院》77套講座+ 324份資料《員工管理企業(yè)學(xué)院》67套講座+ 8720份資料《工廠生產(chǎn)管理學(xué)院》52套講座+ 13920份資料《財(cái)務(wù)管理學(xué)院》53套講座+ 17945份資料《銷售經(jīng)理學(xué)院》56套講座+ 14350份資料《銷售人員培訓(xùn)學(xué)院》72套講座+ 4879份資料n更多企業(yè)學(xué)院： 《中小企業(yè)管理全能版》183套講座+89700份資料《總經(jīng)理、高層管理》49套講座+16388份資料《中層管理學(xué)院》46套講座+6020份資料《國(guó)學(xué)智慧、易經(jīng)》46套講座《人力資源學(xué)院》56套講座+27123份資料《各階段員工培訓(xùn)學(xué)院》77套講座+ 324份資料《員工管理企業(yè)學(xué)院》67套講座+ 8720份資料《工廠生產(chǎn)管理學(xué)院》52套講座+ 13920份資料《財(cái)務(wù)管理學(xué)院》53套講座+ 17945份資料《銷售經(jīng)理學(xué)院》56套講座+ 14350份資料《銷售人員培訓(xùn)學(xué)院》72套講座+ 4879份資料大家論壇2012年FECT考試必備資料：FECT指定教材： FECT教材配套必備手冊(cè)：FECT教材配套必備習(xí)題：FECT歷年真題：FECT推薦詞典：FECT聽(tīng)力：FECT詞匯：其他經(jīng)濟(jì)金融類英語(yǔ)資料推薦：金融英語(yǔ)高級(jí)銀行業(yè)務(wù)與管理銀行基礎(chǔ)知識(shí)英語(yǔ)通知儲(chǔ)蓄存款 Notice deposit is defined as one that does not have definite term when making deposits and the types are chosen in advance (now there are two types: one day notice deposit and seven days notice deposit), and you must inform the bank before the withdrawal of the date and amount of withdrawal. Usually the minimum amount of notice deposit is 50,000 RMB yuan in a lump sum with the minimum withdrawal sum not less than 50,000 RMB yuan each time. You can deposit money in a lump sum and withdraw money in a lump sum or by several times. 通知儲(chǔ)蓄存款是一種存款人在存入款項(xiàng)時(shí)不約定存期，預(yù)先確定品種（目前分一天通知儲(chǔ)蓄存款、七天通知儲(chǔ)蓄存款兩個(gè)品種），支取時(shí)需提前通知銀行，約定支取日期及金額的儲(chǔ)蓄存款方式。一般5萬(wàn)元起存，最低支取金額5萬(wàn)元，一次存入，可分一次或多次支取的儲(chǔ)蓄存款。通信存款 Deposits by correspondence refer to the way in which overseas Chinese, Hong Kong, Macao and Taiwan patriots, Chinese of foreign nationality and domestic residents approved to settle down or study abroad authorize domestic banks to handle savings deposits for their funds abroad. 通信存款是指華僑、港澳臺(tái)胞、外籍華人及批準(zhǔn)出境定居或留學(xué)的國(guó)內(nèi)居民，將其在國(guó)外的資金委托國(guó)內(nèi)銀行辦理儲(chǔ)蓄存款的一種方式。 A client sending a letter authorizing the bank to handle the deposits by correspondence may go through the account opening procedures by attaching duplicates of his or her ID card, passport or exit pass and other valid credentials, filling out the Application Form for Opening Account of Deposits by Correspondence, choosing the type of deposits according to the types of services already transacted by the bank (say, current deposit, time deposit and currenttime optional deposits, etc.), and also preassign the method of withdrawal later. 來(lái)信委托銀行辦理通信存款開(kāi)戶的客戶，須附身份證、護(hù)照或出境通行證等有效證件的影印件，填寫“通信存款開(kāi)戶申請(qǐng)書”，根據(jù)銀行已開(kāi)辦的業(yè)務(wù)種類（如活期、定期、定活兩便等）選擇存款種類，并約定日后的支取方式，即可辦理開(kāi)戶手續(xù)。儲(chǔ)蓄存款掛失業(yè)務(wù) If a certificate of deposit, a bank passbook or a seal of a client is lost or stolen, or the password is forgotten, the loss reporting may be handled at the bank as the following procedures: 客戶的儲(chǔ)蓄存單、存折、印鑒如不慎遺失、被盜或密碼遺忘，可按下列手續(xù)到銀行辦理掛失： The client shall immediately handle the written loss reporting procedures at the original depository bank. In reporting loss, the client shall present the personal credentials (ID card, residence permit, passport, etc.) and also provide the related deposit information such as account, account holder’s name, time of account opening, amount, type of currency and maturity. The loss reporting may be accepted after the bank certifies them correct, and the bank confirms that the payment has not been made before the loss reporting is handled. If the client can not be present at the bank in handling the loss reporting, he or she may authorize another person to handle it on his / her behalf and at the same time the credentials of the agent shall be presented. The loss reporting of password may not be handled on agency. 客戶應(yīng)立即到原存款行辦理書面掛失手續(xù)，掛失時(shí)客戶應(yīng)持本人身份證件（身份證、暫住證、護(hù)照等）并提供賬戶、戶名、開(kāi)戶時(shí)間、金額、幣種、期限等有關(guān)存 款內(nèi)容，經(jīng)銀行審核無(wú)誤后即可辦理掛失，銀行經(jīng)查實(shí)確未支付方可受理。如客戶不能親自前往銀行，可委托他人代辦掛失，同時(shí)提供代辦人身份證件。密碼掛失不 準(zhǔn)代辦。 個(gè)人外匯預(yù)結(jié)匯業(yè)務(wù) If you remit fund from abroad into China and want to pay the beneficiary in RMB, bank oversea office can convert it into RMB according to the exchange rate level on the remittance day and inform domestic office to pay RMB fund to the beneficiary appointed by you. 如您在境外向國(guó)內(nèi)匯入?yún)R款，并要求以人民幣交付給收款人，銀行境外機(jī)構(gòu)可先按照匯款日的匯率水平折成人民幣，告知國(guó)內(nèi)機(jī)構(gòu)，并將人民幣款項(xiàng)交付給您指定的收款人。外幣兌換業(yè)務(wù) Banks can handle the exchange between RMB and foreign currencies at current quotations on the day. Convertible currencies include US dollar, HK dollar, Japanese yen, Euro, English pound, Swiss franc, Australian dollar, Singapore dollar, Norwegian krone, Danish krone, Macao pataca, New Zealand dollar, and etc. The banks can handle foreign exchange purchase for official foreign visit groups. You are only required to take the exit paper approved by the Administration of Foreign Exchange for the bank’s examination before acquiring foreign exchange. Foreigners leaving the country can convert the unused RMB, which were converted when they entered the country, into foreign currencies according to their passports and original foreign currency conversion receipts within six months. 銀行可按當(dāng)日牌價(jià)為您辦理人民幣與外幣的兌換。可兌換的貨幣包括：美元、港幣、日元、歐元、英鎊、瑞士法郎、澳大利亞元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麥克郎、澳門元和新西蘭元等。 銀行可辦理公派出國(guó)團(tuán)組的購(gòu)匯業(yè)務(wù)。您只需持外匯管理局審批的出國(guó)批件，經(jīng)銀行審核無(wú)誤后即可予以供匯。 境外人員離境前，可在銀行憑本人護(hù)照和六個(gè)月內(nèi)原工商銀行外幣兌換水單將入境時(shí)兌換的未用完的人民幣兌回外幣。零存整取定期儲(chǔ)蓄SmallSavingsforLumpsumWithdrawal零存整取定期儲(chǔ)蓄 Time deposit of small savings for lumpsum withdrawal refers to savings deposit whose terms are agreed, and whose fixed amount is deposited every month when opening an account. The minimum amount of deposit is 5 RMB yuan and the maturities range from three grades: 1 year, 3 years and 5 years. 零存整取定期儲(chǔ)蓄存款是指開(kāi)戶時(shí)約定存期，每月固定存額，起存金額為5元人民幣，存期分一年、三年、五年的一種儲(chǔ)蓄存款形式。 外幣定活兩便存款 Savings/Time Optional Deposits 定活兩便存款 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