I. Product of Marketing
一、營(yíng)銷(xiāo)產(chǎn)品
Education Deposit
教育儲(chǔ)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(chǎng)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(nèi)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(chǔ)蓄所儲(chǔ)蓄員。我營(yíng)銷(xiāo)的產(chǎn)品是“教育儲(chǔ)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(chǔ)蓄所，我是8號(hào)儲(chǔ)蓄員，很高興能為您服務(wù)。
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(jù)您的現(xiàn)狀，我建議您為您女兒辦理一份教育儲(chǔ)蓄。教育儲(chǔ)蓄是工商銀行為滿足廣大中小學(xué)生將來(lái)接受非義務(wù)教育而開(kāi)辦的一種儲(chǔ)蓄品種。凡在校四年級(jí)（含）以上學(xué)生，均可憑本人戶口簿或居民身份證，到本行網(wǎng)點(diǎn)以本人姓名開(kāi)立教育儲(chǔ)蓄賬戶。它是零存整取定期儲(chǔ)蓄存款的一種，50元人民幣就可起存，但本金合計(jì)有限額，不得超過(guò)20，000元人民幣。存期有一年、三年、五年，可根據(jù)學(xué)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(chǔ)蓄有很多優(yōu)勢(shì)，它不僅存儲(chǔ)方式靈活、計(jì)劃性強(qiáng)，而且利率優(yōu)惠、稅收優(yōu)惠。辦理教育儲(chǔ)蓄業(yè)務(wù)，實(shí)行實(shí)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(chǔ)蓄按開(kāi)戶日同期同檔次整存整取定期儲(chǔ)蓄存款利率計(jì)息；6年期按開(kāi)戶日五年期整存整取定期儲(chǔ)蓄存款利率計(jì)息，并免征20%的儲(chǔ)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(shí)利息按開(kāi)戶日掛牌公告的整存整取定期儲(chǔ)蓄存款同期同檔次利率計(jì)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(chǔ)20，000元的教育經(jīng)費(fèi)。
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(shí)凡能提供學(xué)校出具的非義務(wù)教育學(xué)生身份證明，均能享受定期整存整取同檔次利率。
一、營(yíng)銷(xiāo)產(chǎn)品
Education Deposit
教育儲(chǔ)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(chǎng)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(nèi)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(chǔ)蓄所儲(chǔ)蓄員。我營(yíng)銷(xiāo)的產(chǎn)品是“教育儲(chǔ)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(chǔ)蓄所，我是8號(hào)儲(chǔ)蓄員，很高興能為您服務(wù)。
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(jù)您的現(xiàn)狀，我建議您為您女兒辦理一份教育儲(chǔ)蓄。教育儲(chǔ)蓄是工商銀行為滿足廣大中小學(xué)生將來(lái)接受非義務(wù)教育而開(kāi)辦的一種儲(chǔ)蓄品種。凡在校四年級(jí)（含）以上學(xué)生，均可憑本人戶口簿或居民身份證，到本行網(wǎng)點(diǎn)以本人姓名開(kāi)立教育儲(chǔ)蓄賬戶。它是零存整取定期儲(chǔ)蓄存款的一種，50元人民幣就可起存，但本金合計(jì)有限額，不得超過(guò)20，000元人民幣。存期有一年、三年、五年，可根據(jù)學(xué)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(chǔ)蓄有很多優(yōu)勢(shì)，它不僅存儲(chǔ)方式靈活、計(jì)劃性強(qiáng)，而且利率優(yōu)惠、稅收優(yōu)惠。辦理教育儲(chǔ)蓄業(yè)務(wù)，實(shí)行實(shí)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(chǔ)蓄按開(kāi)戶日同期同檔次整存整取定期儲(chǔ)蓄存款利率計(jì)息；6年期按開(kāi)戶日五年期整存整取定期儲(chǔ)蓄存款利率計(jì)息，并免征20%的儲(chǔ)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(shí)利息按開(kāi)戶日掛牌公告的整存整取定期儲(chǔ)蓄存款同期同檔次利率計(jì)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(chǔ)20，000元的教育經(jīng)費(fèi)。
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(shí)凡能提供學(xué)校出具的非義務(wù)教育學(xué)生身份證明，均能享受定期整存整取同檔次利率。