1
A:Xiao Li,what benefits can our corporation get from Corporate Agreement Savings?
B:You will increase your interest return.
A:How's that?
B:Oh,Corporate Agreement Savings are based on the Agreement Deposit Contract signed by customer and bank. And the contract decides the terms and the line of basic deposit withheld when settling the account.
A:And how does the interest count?
B:Within the line of basic deposit,the interest should be counted at the rate of current deposit on the day of settlement or withdrawal.
A:How about the exceeding part?
B:Beyond the basic deposit,the interest should be settled at the rate of agreement savings publicized by People's Bank of China on the day of settlement or drawing.
A:But,how on earth should it be counted?
B:It is higher than the interest of current deposit and lower than that of the 6-month-time deposit.
A:Well…,how can we make Corporate Agreement Savings in your bank?
B:Let me tell you about it.
A:小李，我們公司辦理單位協(xié)定存款有什么好處嗎？
B:增加利息收入。
A:怎么回事呢？
B:喔，單位協(xié)定存款的依據(jù)是客戶與銀行簽訂的協(xié)定存款合同，約定期限和結(jié)算賬戶需要保留的基本存款額度。
A:那存款利息如何計(jì)算呢？
B:基本存款額度內(nèi)的存款利息按結(jié)算日或支取日的活期存款利率計(jì)算。
A:超過部分呢？
B:超過基本存款額度的存款利息按人行公布的協(xié)定存款利率結(jié)息。
A:究竟怎么算呢？
B:它高于活期存款利率，但低于6個(gè)月定期存款利率。
A:嗯…，我們公司如何辦理單位定期存款呢？
B:讓我來告訴您。
2
A:Xiao Li,how can our corporation make a Corporate Agreement Savings with your bank?
B:Ah…,first,you should sign the Corporate Agreement Savings Contract with our bank, and then our bank will open an account of agreement savings on the basis of your settlement account.
A:How long will the contrast work?
B:The contract will hold for one year in maximum (including one year exactly). And it will be extended automatically if neither of the two parties suggests a termination or amendment prior to its expiration.
A:And what's the procedure for opening the account?
B:Before that,the corporation should first open a basic deposit account or a general deposit account ("settlement account" for short) for the accounting of normal economic activity.
A:How's that?
B:Settlement account is called A type account. And a B type account refers to the agreement deposit account automatically created in the computer.If a corporation already has a settlement account,our bank will take it as an A type account and transact its agreement deposit procedures.
A:Thank you for your information.
B:With pleasure.
A:小李，我公司如何在你們銀行辦理單位協(xié)定存款呢？
B:噢…，首先，你們公司要與我行簽訂單"單位協(xié)定存款合同"，然后我行為你在結(jié)算賬戶之上開立協(xié)定存款賬戶。
A:合同持續(xù)多久呢？
B:合同最長(zhǎng)期限為一年（含），到期任何一方如未提出終止或修改，則自動(dòng)延期。
A:那如何申辦該賬戶呢？
B:在此之前，企業(yè)必須開立一個(gè)基本存款賬戶或一般存款賬戶（簡(jiǎn)稱"結(jié)算賬戶"），用于正常經(jīng)濟(jì)活動(dòng)的會(huì)計(jì)核算。
A:這是怎么回事呢？
B:結(jié)算賬戶稱為A戶，同時(shí)電腦自動(dòng)生成協(xié)定存款賬戶（B戶）。如單位已有結(jié)算賬戶，則將原有的結(jié)算賬戶作為A戶，為其辦理協(xié)定存款手續(xù)。
A:謝謝您提供的信息。
B:很榮幸。
3
A:Is there any requirement for initial deposit of agreement savings?
B:It should be 100,000 RMB at least for A type account.
A:Then how do I withdraw?
B:Account of agreement savings ,or a type A, should be managed and used as a general settlement account,and it may be applied to the withdrawal of a cash transfer service.
A:Is overdrawal permitted?
B:No overdraft is allowed in either a type A or B. What's more,a type B account should not be directly involved in any transactions, nor be applied to any external withdrawal service.
A:How about interest settlement?
B:The interest of agreement savings should be settled on the 20th of the last month in each quarter, or when the owner of the agreement savings account cancels the account.
A:I see. We'll have one soon.
B:Hope to see you soon.
A:貴行對(duì)初次協(xié)定存款有什么要求嗎？
B:A戶的起存金額為10萬元。
A:如何取款呢？
B:協(xié)定存款賬戶的A戶視同一般結(jié)算賬戶管理使用，可用于現(xiàn)金轉(zhuǎn)賬業(yè)務(wù)支出。
A:可以透支嗎？
B:A戶、B戶均不得透支，而且，B戶作為結(jié)算戶的后備存款賬戶，不直接發(fā)生經(jīng)濟(jì)活動(dòng)，資金不得對(duì)外支付。
A:怎樣結(jié)息呢？
B:每季末月二十日或協(xié)定存款戶（B戶）銷戶時(shí)計(jì)算協(xié)定存款利息。
A:我明白了。我們公司將盡快辦一個(gè)賬戶。
B:歡迎您再次光臨。
A:Xiao Li,what benefits can our corporation get from Corporate Agreement Savings?
B:You will increase your interest return.
A:How's that?
B:Oh,Corporate Agreement Savings are based on the Agreement Deposit Contract signed by customer and bank. And the contract decides the terms and the line of basic deposit withheld when settling the account.
A:And how does the interest count?
B:Within the line of basic deposit,the interest should be counted at the rate of current deposit on the day of settlement or withdrawal.
A:How about the exceeding part?
B:Beyond the basic deposit,the interest should be settled at the rate of agreement savings publicized by People's Bank of China on the day of settlement or drawing.
A:But,how on earth should it be counted?
B:It is higher than the interest of current deposit and lower than that of the 6-month-time deposit.
A:Well…,how can we make Corporate Agreement Savings in your bank?
B:Let me tell you about it.
A:小李，我們公司辦理單位協(xié)定存款有什么好處嗎？
B:增加利息收入。
A:怎么回事呢？
B:喔，單位協(xié)定存款的依據(jù)是客戶與銀行簽訂的協(xié)定存款合同，約定期限和結(jié)算賬戶需要保留的基本存款額度。
A:那存款利息如何計(jì)算呢？
B:基本存款額度內(nèi)的存款利息按結(jié)算日或支取日的活期存款利率計(jì)算。
A:超過部分呢？
B:超過基本存款額度的存款利息按人行公布的協(xié)定存款利率結(jié)息。
A:究竟怎么算呢？
B:它高于活期存款利率，但低于6個(gè)月定期存款利率。
A:嗯…，我們公司如何辦理單位定期存款呢？
B:讓我來告訴您。
2
A:Xiao Li,how can our corporation make a Corporate Agreement Savings with your bank?
B:Ah…,first,you should sign the Corporate Agreement Savings Contract with our bank, and then our bank will open an account of agreement savings on the basis of your settlement account.
A:How long will the contrast work?
B:The contract will hold for one year in maximum (including one year exactly). And it will be extended automatically if neither of the two parties suggests a termination or amendment prior to its expiration.
A:And what's the procedure for opening the account?
B:Before that,the corporation should first open a basic deposit account or a general deposit account ("settlement account" for short) for the accounting of normal economic activity.
A:How's that?
B:Settlement account is called A type account. And a B type account refers to the agreement deposit account automatically created in the computer.If a corporation already has a settlement account,our bank will take it as an A type account and transact its agreement deposit procedures.
A:Thank you for your information.
B:With pleasure.
A:小李，我公司如何在你們銀行辦理單位協(xié)定存款呢？
B:噢…，首先，你們公司要與我行簽訂單"單位協(xié)定存款合同"，然后我行為你在結(jié)算賬戶之上開立協(xié)定存款賬戶。
A:合同持續(xù)多久呢？
B:合同最長(zhǎng)期限為一年（含），到期任何一方如未提出終止或修改，則自動(dòng)延期。
A:那如何申辦該賬戶呢？
B:在此之前，企業(yè)必須開立一個(gè)基本存款賬戶或一般存款賬戶（簡(jiǎn)稱"結(jié)算賬戶"），用于正常經(jīng)濟(jì)活動(dòng)的會(huì)計(jì)核算。
A:這是怎么回事呢？
B:結(jié)算賬戶稱為A戶，同時(shí)電腦自動(dòng)生成協(xié)定存款賬戶（B戶）。如單位已有結(jié)算賬戶，則將原有的結(jié)算賬戶作為A戶，為其辦理協(xié)定存款手續(xù)。
A:謝謝您提供的信息。
B:很榮幸。
3
A:Is there any requirement for initial deposit of agreement savings?
B:It should be 100,000 RMB at least for A type account.
A:Then how do I withdraw?
B:Account of agreement savings ,or a type A, should be managed and used as a general settlement account,and it may be applied to the withdrawal of a cash transfer service.
A:Is overdrawal permitted?
B:No overdraft is allowed in either a type A or B. What's more,a type B account should not be directly involved in any transactions, nor be applied to any external withdrawal service.
A:How about interest settlement?
B:The interest of agreement savings should be settled on the 20th of the last month in each quarter, or when the owner of the agreement savings account cancels the account.
A:I see. We'll have one soon.
B:Hope to see you soon.
A:貴行對(duì)初次協(xié)定存款有什么要求嗎？
B:A戶的起存金額為10萬元。
A:如何取款呢？
B:協(xié)定存款賬戶的A戶視同一般結(jié)算賬戶管理使用，可用于現(xiàn)金轉(zhuǎn)賬業(yè)務(wù)支出。
A:可以透支嗎？
B:A戶、B戶均不得透支，而且，B戶作為結(jié)算戶的后備存款賬戶，不直接發(fā)生經(jīng)濟(jì)活動(dòng)，資金不得對(duì)外支付。
A:怎樣結(jié)息呢？
B:每季末月二十日或協(xié)定存款戶（B戶）銷戶時(shí)計(jì)算協(xié)定存款利息。
A:我明白了。我們公司將盡快辦一個(gè)賬戶。
B:歡迎您再次光臨。