I. Product of Marketing
一、營銷產品
Education Deposit
教育儲蓄
II. Client's Background Information
二、客戶背景
1.Name： Yang Hua
2.Sex： Female
3.Age： Thirty eight years old
4.Occupation： A management clerk at a store
5.Education： College
6.Monthly income： 1，500 RMB yuan
7.She has a daughter， who is reading in high middle school.
1、姓名：楊華
2、性別：女
3、年齡：38歲
4、職業(yè)：某商場中層管理人員
5、文化程度：大專文化
6、月收入：1500元人民幣
7、她有一女，在讀高中。
III.Content of Speech
三、演講內容
I am Wang Hua， a bank clerk of the Industrial and Commercial Bank of China， East City District Branch Savings Office. The product of marketing in my speech is Education Deposit.
我叫王華，是工商銀行城東支行儲蓄所儲蓄員。我營銷的產品是“教育儲蓄”。
Hello！ Welcome to East City District Branch savings office. I am No. 8 clerk. It's my pleasure to serve you.
您好！歡迎您光臨城東支行儲蓄所，我是8號儲蓄員，很高興能為您服務。
In the light of your specific conditions， I advise you to open an education deposit account for your daughter， which is introduced for the purpose of encouraging residents to deposit a certain fund for their children's non-compulsory education expenditure in the future. Any pupils of equal to or over fourth grade in primary schools can open an education deposit account in his/her own name against a personal household register booklet or ID card at any business offices of our bank. The education deposit is one of the Time Deposit of Small Savings for Lump-sum Withdrawal with the minimum initial amount of deposit of 50 RMB yuan and the maximum limit of total capital sum of 20，000 RMB yuan. The provided terms are 1-year， 3-year and 5-year respectively. You may choose one in light of the pupil's school age.
根據您的現狀，我建議您為您女兒辦理一份教育儲蓄。教育儲蓄是工商銀行為滿足廣大中小學生將來接受非義務教育而開辦的一種儲蓄品種。凡在校四年級（含）以上學生，均可憑本人戶口簿或居民身份證，到本行網點以本人姓名開立教育儲蓄賬戶。它是零存整取定期儲蓄存款的一種，50元人民幣就可起存，但本金合計有限額，不得超過20，000元人民幣。存期有一年、三年、五年，可根據學齡選擇存期。
The education deposit is characterized by flexible term， controlled sum， favorable interest rate and tax-free interest. Real-name system is required in handling the education deposit.
教育儲蓄有很多優(yōu)勢，它不僅存儲方式靈活、計劃性強，而且利率優(yōu)惠、稅收優(yōu)惠。辦理教育儲蓄業(yè)務，實行實名制。
The education deposit interest of 1-year or 3-year term will be computed at the same rate and the same term of lump-sum deposit & withdrawal time deposit， while the interest of 6-year term will be computed at the 5-year term fixed deposit rate with the exemption of 20% income tax of the savings interest. In case you are in need of money before the maturity， you are allowed to make a withdrawal ahead of time and also enjoy the preferential interest rate， being computed at the same rate and the same term of lump-sum deposit & withdrawal time deposit quoted on the day of withdrawal from the account-opening day with presentation of certification. In due time， you may have the bank collect your deposit in different places against your passbook.
1年期、3年期教育儲蓄按開戶日同期同檔次整存整取定期儲蓄存款利率計息；6年期按開戶日五年期整存整取定期儲蓄存款利率計息，并免征20%的儲蓄利息所得稅。如急需用款可提前支取，利率也很優(yōu)惠，有證明時利息按開戶日掛牌公告的整存整取定期儲蓄存款同期同檔次利率計息；到期后還可辦理異地托收。
In your case， your daughter is in high middle school， and your monthly income is 1，500 RMB yuan， you may choose the 3-year term， deposit 555 RMB yuan every month. Three years later， you can gather 20，000 RMB yuan for education expense.
像您女兒正在讀高中，您每月收入1，500元人民幣，您可選擇3年期，每月存款555元，三年后，您可為您女兒存儲20，000元的教育經費。
At the time of withdrawal， with the valid certificate of student in non-compulsory education， you will enjoy the same interest rate as lump sum time deposit.
支取時凡能提供學校出具的非義務教育學生身份證明，均能享受定期整存整取同檔次利率。
一、營銷產品
Education Deposit
教育儲蓄
II. Client's Background Information
二、客戶背景
1.Name： Yang Hua
2.Sex： Female
3.Age： Thirty eight years old
4.Occupation： A management clerk at a store
5.Education： College
6.Monthly income： 1，500 RMB yuan
7.She has a daughter， who is reading in high middle school.
1、姓名：楊華
2、性別：女
3、年齡：38歲
4、職業(yè)：某商場中層管理人員
5、文化程度：大專文化
6、月收入：1500元人民幣
7、她有一女，在讀高中。
III.Content of Speech
三、演講內容
I am Wang Hua， a bank clerk of the Industrial and Commercial Bank of China， East City District Branch Savings Office. The product of marketing in my speech is Education Deposit.
我叫王華，是工商銀行城東支行儲蓄所儲蓄員。我營銷的產品是“教育儲蓄”。
Hello！ Welcome to East City District Branch savings office. I am No. 8 clerk. It's my pleasure to serve you.
您好！歡迎您光臨城東支行儲蓄所，我是8號儲蓄員，很高興能為您服務。
In the light of your specific conditions， I advise you to open an education deposit account for your daughter， which is introduced for the purpose of encouraging residents to deposit a certain fund for their children's non-compulsory education expenditure in the future. Any pupils of equal to or over fourth grade in primary schools can open an education deposit account in his/her own name against a personal household register booklet or ID card at any business offices of our bank. The education deposit is one of the Time Deposit of Small Savings for Lump-sum Withdrawal with the minimum initial amount of deposit of 50 RMB yuan and the maximum limit of total capital sum of 20，000 RMB yuan. The provided terms are 1-year， 3-year and 5-year respectively. You may choose one in light of the pupil's school age.
根據您的現狀，我建議您為您女兒辦理一份教育儲蓄。教育儲蓄是工商銀行為滿足廣大中小學生將來接受非義務教育而開辦的一種儲蓄品種。凡在校四年級（含）以上學生，均可憑本人戶口簿或居民身份證，到本行網點以本人姓名開立教育儲蓄賬戶。它是零存整取定期儲蓄存款的一種，50元人民幣就可起存，但本金合計有限額，不得超過20，000元人民幣。存期有一年、三年、五年，可根據學齡選擇存期。
The education deposit is characterized by flexible term， controlled sum， favorable interest rate and tax-free interest. Real-name system is required in handling the education deposit.
教育儲蓄有很多優(yōu)勢，它不僅存儲方式靈活、計劃性強，而且利率優(yōu)惠、稅收優(yōu)惠。辦理教育儲蓄業(yè)務，實行實名制。
The education deposit interest of 1-year or 3-year term will be computed at the same rate and the same term of lump-sum deposit & withdrawal time deposit， while the interest of 6-year term will be computed at the 5-year term fixed deposit rate with the exemption of 20% income tax of the savings interest. In case you are in need of money before the maturity， you are allowed to make a withdrawal ahead of time and also enjoy the preferential interest rate， being computed at the same rate and the same term of lump-sum deposit & withdrawal time deposit quoted on the day of withdrawal from the account-opening day with presentation of certification. In due time， you may have the bank collect your deposit in different places against your passbook.
1年期、3年期教育儲蓄按開戶日同期同檔次整存整取定期儲蓄存款利率計息；6年期按開戶日五年期整存整取定期儲蓄存款利率計息，并免征20%的儲蓄利息所得稅。如急需用款可提前支取，利率也很優(yōu)惠，有證明時利息按開戶日掛牌公告的整存整取定期儲蓄存款同期同檔次利率計息；到期后還可辦理異地托收。
In your case， your daughter is in high middle school， and your monthly income is 1，500 RMB yuan， you may choose the 3-year term， deposit 555 RMB yuan every month. Three years later， you can gather 20，000 RMB yuan for education expense.
像您女兒正在讀高中，您每月收入1，500元人民幣，您可選擇3年期，每月存款555元，三年后，您可為您女兒存儲20，000元的教育經費。
At the time of withdrawal， with the valid certificate of student in non-compulsory education， you will enjoy the same interest rate as lump sum time deposit.
支取時凡能提供學校出具的非義務教育學生身份證明，均能享受定期整存整取同檔次利率。