银行业务例文

定期存款的条件为年利6%, 存期6个月以上，只要金额1,000元，我们均乐意接受。
We shall be pleased to receive a fixed deposit for any amount more than $1,000, for a period over six months at the rate of 6% p.a.
谨同函寄上新开定期存款第500号存折一份，面额100,000元，请查收为荷。该面额等于您寄来换新的旧存=折本金加上利息之和。
Enclosed please find a new deposit certificate No. 500 for $100,000, which represents the principal and interest of the old certificate you sent us for renewal.
如存款为100元以上，我们将乐意接受。
We shall be glad to receive deposits of 100 yen and upward.

结算

到目前为止，我公司应收帐尚有二万美元。兹奉上结算报告书一份，敬请查收为荷。
Enclosed we hand you a statement of account to date, showing a balance of $20,000 in our favour, which we trust will be found in order.
上开帐目，现正核对，如无错误，将遵照贵公司的指示，将转入新开的帐户内。
This account is under examination, and if found correct, it shall be carried to a new account, in conformity with your instructions.
您昨日函敬悉。兹遵照贵方请求，同函附上结算报告书，敬请惠予查收为荷。
Your favour of yesterday was duly received, and we hand you herewith a statement of your account as requested, which we hope you will find correct.
兹奉上棒铁总价为512,000元清单一份，恳请列入我公司贷方帐项为荷。
We hand you our account on the bar iron, amounting to $512,000, which kindly pass to our credit.

请求付款

恳请速予汇款为荷。
An early remittance will be appreciated.
迟付的60美元, 请速予寄下为荷。
Please let us have your check for the $60 now past overdue.
有鉴于此，相信贵方将随复函寄来支票, 特此致谢。
With these facts before you, we feel sure that you will send us your check by return mail. Thank you.
我们恳求，对此部分能速予结帐为荷。
We urge that you make this settlement without delay.
何不立即对此案作一结算? 请在今日将支票随函发出即可。
Why not settle this matter now? Just attach your check to this letter, and send it by today's mail.

催告付款

为加清本帐目，我方多次催促，但未有任何效果。所以为收回本帐款项，准备向法院起诉，特此通知。
Having made repeated applications for apyment of this amount without avail, we now give you notice that we shall take out a summons for recovery of the same
下星期一以前未能清结本件款项，不得已，将委任我公司顾问律师处理。
We wish to state that if the account be not paid by Monday next, we shall be forced to place the matter in the hands o four solicitors.
贵方虽多次答应付款结帐，但迄今尚未结清。如在本月底以前，尚未拔款结清，只好委托我公司顾问律师处理。
In spite of your repeated promises to let us have a cheque, we are still without a settlement of your outstanding account, and therefore, unless same is settled by the end of this month, we shall be compelled to hand over the matter to our solicitor.
对于此事，贵方似乎在趁机利用我公司的宽容态度。本函系最后通告所，复函时请汇足够金额，以结此帐，否则只好采取其它途径，特此函告。
As you seem to take advantage of you leniency in this matter, we now give you the final notice that, unless we shall receive a substantial amount on account by return of post, we shall adopt other measures for its recovery.

兹同函奉上支票面额50000元，请记入近藤幸造先生的帐款内，同时请寄收
据二份为荷。
Herewith we enclose a cheque, value $50,000, which please place to the credit of Mr. K.Kondo, and acknowledge receipt to us in duplicate.
依照佐藤先生指示并受其委托，兹奉上即期汇票一纸面额200000元。请贷入
该人的帐户为荷。
By order and for account of Mr.Satoh, I hand you enclosed a draft for $200,000 at sight, which please pass to the credit of his account.
兹奉上面额250000元的支票一张，敬请交付收据为荷。
I send you herewith a cheque, value $250,000, receipt of which please acknowledge.
为结清5月1日贵方发票，我们奉上三尾银行汇票面额125000元，惠请记入本
公司贷方帐户，并惠请开出收据为荷。
In settlement of your invoice of 1st May, $125,000, we enclose a draft, on the Mitsuo Bank, for which amount please credit our account and acknowledge receipt.
付款已收到
为结清委托销售，我们已收到面额100000元支票一张，现已转入贵贷方帐户，非常感谢。
We acknowledge receipt of your cheque, $100,000, in settlement of the charges on the consignment, and pass this sum to your credit, with best thanks.
我们于昨日收到贵函及面额55000元支票一张，谢谢。
We are in due receipt of your favour of yesterday, covering a cheque for $55,000, for which we thank you.
我们已收到贵方5月5日函及同函附寄的面额51250元的汇票一张，用以结清贵方帐款。
We are duly in receipt of your favour of the 5th May, enclosing a draft, value $51,250, to balance your account.
为结清到5月15日为止的贵方帐款，贵方所寄面额31250元支票我们已经收到。
We acknowledge with thanks the receipt of the cheque for $31,250, in settlement of your account to 15th May.

我们于本日向贵公司开出第123号面额500000元。汇票一张见票即付。
We have this day drawn the following bill of exchange on your esteemed firm- No.123, $500,000, payable at sight.
遵照贵方指示，我们已于本日向田中公司开出见票后60日付款的面额200000元汇票一张，费用包括在内。
We have to acquaint you that, in accordance with your instructions, we have this day drawn upon Messrs, tanaka & Co., at 60d/s for $200,000, inclusive of charges.
我们已于本月开出由贵方所指定的人于三个月后付款的面额为100000元汇票一张，恳请惠予承兑为荷，特此通知。
We advise you that we have drawn on you this day for $100,000, at 3m/d, to the order fo yourself, which we commend to your kind protection.
我们于本月向贵方开出三个月后付款的面额为500000元的汇票一张。对此，我们依惯例，记入贵贷方帐内，特此通知。
We have the pleasure to inform you that we have drawn this day on you for $500,000, at 3m/s. for which we have credited you as usual.
请求开出汇票
因葡萄酒尚未售出，近期也难有攻观，我方目前不能遵照齐滕先生的指示将余额向贵方开出汇票或汇给贵方。
As the wines are not yet disposed of, nor likely to be for some time, we cannot obey Mr. Saito's orders as to drawing on you or remitting you the balance at present.
如有机会，请向本人开出煤炭价款加上保险费的汇票。对于这批出口货物，为弥补发生损害的损失，请办理保险并在货值上再加保5%金额 。
Should you have an opportunity, you may draw on me for the cost of coal, together with that of insurance, which you will be so good as to effect on the outward cargo to its full value, with an addition of five per cent, to cover expenses in case of loss.
为收回款项，请依照最有利的汇率，向我方开出见票后60日付款的汇票，并请同时提供发票、提单及保险单为荷。
For your reimbursement, you will draw on me at sixty days' sight, and at the most favourable exchange, furnishing me at the same time, with an invoice, bill of lading and insurance policy.
对贵方的发票金额，请向汉堡A公司开出见票后三个月付款的汇票，附寄该公司提单一份，并请该公司办理保险。
For the amount of your invoice, you will be so good as to draw on Messrs. A & Co. of Hamburg, at three months' date, and forward them a bill of lading, requesting them to effect insurance.

请求承兑汇票

兹向贵公司开陈这批货见票后60日付款、面额500,000元汇票一张，请予承兑为荷。
We have taken the liberty of drawing on you today against this consignment for $500,000 at sixty days' sight, which please protect on presentation.
我同函寄上由Axbridge的布莱克先生付款、见票后30日付款的面额为50美元汇票一张，请向付款人提出后请其承兑，并予保管，到期请将金额给我汇来。不胜感激。
I take liberty to trouble you with the enclosed draft for $50, at thirty days' sight, on Mr. Black of Axbridge, which I shall be obliged by your getting accepted, and retaining in your possession until due, at which time you can remit me the amount.
我公司伦敦分公司开出面额300,000元的汇票一张，兹同函奉上，请承兑后寄还为荷。
Enclosed we hand you a draft, $300,000, drawn on you by our London house. Kindly accept same and return.
同函奉上神户Brown兄弟公司向贵公司开出的汇票一张，恳请惠予承兑后并及时寄还为荷。
Herewith we hand you a draft from Messrs. Brown & Bros., of Kobe, on your goodselves, which please accept and return to us in due course.

寄汇票

同函奉上由贵城三木银行付款、面额为500,000元的即期汇票一张，收到后敬请告知为荷。
We hand you enclosed a draft, value $500,000 at sight, on the Mitsuki Bank of your city, receipt of which please acknewledge.
兹同函奉上以Robert父子公司为付款人、面额26.15美元的即期汇票一张，用以清偿所欠贵方债务。
Enclosed is a sight draft for $26.15 on Messrs. Robert & Sons, which clears off our indebtedness to you.
谨同函奉上以George Bury公司为付款人、面额500美元见票后60日付款的第一联汇票一张，请办理手续取款后，记我的贷方帐户为荷。
Enclosed you will receive first of exchange for $500 at sixty days' sight, on George Bury &Co., with which you will please to do the needful, and credit my account accordingly.
同函寄上五张汇票, 金额总计为5,620,000元，详见注脚。
Enclosed please find five bills of exchange, as noted at foot, amounting to $5,620,000.

承兑汇票

贵方9月1日函及所附以George Bury公司为付款人、面额500美元见票后60日付款的汇票一张均已收悉，现已获得及时承兑，到期后将记入贵方贷方帐户。
I am favoured with your esteemed letter of the first Sept., encloseing $500 in a bill at sixty days' sight, on George Bury & Co., which, having been duly honoured, will appear to your credit at maturity.
你方由本人指定以Martin公司为付款人的三张汇票，已由史密斯公司承兑。
Your three drafts on Martin & Co., to my order, have been accepted by Smith & Co.
贵方10月7日开出的，票面日期30天后付款、由贵方指定付款人的汇票，将及时获得承兑。
Your draft under date of th 7th Oct., at 30 days' date to your own order, will be duly honoured.

无法承兑汇票

我们很遗憾地声明，以须藤先生为付款人的票面560,000美元的汇票已遭拒付，我们不得不要求贵方汇寄567,500美元。包括由此而产生的费用在内。
We regret to state that the bill for $560,000 on Mr. sutoh, hsa been dishonoured by non-payment, and we shall be obliged by your remitting us $567,500, amount of same and charges incurred.
由矢野先生承兑的贵方汇票第2345号、面额2,500,000美元，已遭拒付，特此声明。
We state that your draft, No. 2345, for $2,500,000, duly accepted by Mr. Yano, has been dishonoured by non-payment.
3月1日已通知贵方的未获承兑的汇票，金额1,000,000美元, 虽已到期但未获清偿。我不得不将该票寄还并附寄拒付证书一份以及我的佣金和费用的帐目一份。这笔金额共计1,013,500美元，我已向贵方开出凭大木先生或指定付款人的即期汇票一张，请查收。
the draft for $1,000,000 which, as I advised you on the 1st March had not been accepted, having since become due and not being discharged, I have now to return it to you with a protest for non-payment, together with an account of my commission and charges, amounting to $1,013,500, for which I have drawn on you at sight, to the order of Mr. Ohki.

请求延期付款

我公司小泽先生因急事出差大阪，5月1日以前不能返回, 故该件请宽延至5月1日， 我们将于5月2日汇款。
Our Mr. Osawa is away in Osaka on an urgent business, and will not return until the 1st May, and so if you will kindly let the matter stand over till then, we will send you a cheque by the first post on the 2nd of the same month.
数日之内我们将有三笔大额近款，所以我们最迟于下星期一以前定给贵方汇款。
As we expect to receive three large sums within the next few days, days, we will send you some money by Monday at the latest.
对6月1日应付款项，如果能延些时间，我将非常感谢。
I shall be very much obliged if you will give me a little more time to settle your account due 1st June

无力付款

非常遗憾，本公司目前实在无力结清该帐。
We tegret that we are not able at the moment to make you a settlement.
贵公司要求该帐在7月16日以前结清，但我公司恐怕无能为力，我们将乐意接受贵方二个月期的汇票以结清这笔款项。
We are afraid it will be impossible for us to settle your account by the 16th July next--the date you mention--but we shall be willing to accept a bill for the settlement at 2 m/date.
由于目前生意普遍地不景气，由我公司承兑、10月18日到期、面额1,500美元的汇票将无法兑现。
Owing to the serious depression of trade now prevailing, we shall be unable to meet our acceptance for $1,500, which matures for payment on the 18th Oct.

往来账目

兹同函奉上贵方的往来帐，余额为15.7美元，于本日列入新帐借方内，敬请核查见复为荷。
Enclosed I wait on you with your account current, balance carried to your debit this day in a new account, $15.7, which Itrust you find correct.
谨同函奉上贵方的往来帐，我方顺差500美元，如核查无误，请列入新帐为荷。
Enclosed I now wait on you with your account current, leaving a balance of $500 in my favour, which if found correct, you will be so good as to pass to a new account.
兹同函寄上贵方的往来帐，其上显示我方顺差500美元。
I hand you, enclosed, your account current, showing a balance in my fivour of $500.

分期付款

我们送货后，顾客直接向我们办分期付款。我们收款时，要将收据交付顾客。
The customer pays the instalments direct to us, after delivery o fthe articles and we send him the receipts.
您租用我公司的缝纫机一台，同时送上一张契约书，记明您应为此每月付款15美元。
You have on hire from us a sewing machine, for which we hold your written agreement to make regular payments at the rate o f$15 per month.
我们约定分期付款而将该机械组给贵公司使用。我们希望贵公司对此协议能严格履行。
As the machine was hired to you on the understanding that regular payments would be made, we must ask that in future the terms of the afreement should be strictly adhered to.

付款日通知

敬请留意，我公司对市区的付款日，订于每周星期三上午11时起至下午3时。但是，我们希望各位债权人至少提前三天派代表与我行接洽清偿金额。
Please note that our pay day for Town Accounts is Wednesday of any Week, between the hours of 11 a.m. and 3 p.m., but we expect creditors to send representatives to agree to amounts for settlement at least three days prior to calling for their cheques.
提交清算书后15日内付款可打10%的折扣，超过15日，依全额付清。
The account is subject to 10% discount if settled within fifteen days of rendering, after which it is strictly net.

Board of Directors 董事会
President 行长
Executive Office 经理办公室
Personnel Dept 人事部
General Affairs Dept 总务部
Co-ordination & Planning Dept 综合计划部
International Dept 国际业务部
Overseas Branches Dept 海外部
Foreign Exchange Dept 外汇资金部
First Credit Dept 信贷一部
Second Credit Dept 信贷二部
Accounting Dept 财会部
International Clearing Dept 国际清算部
Banking Dept 营业部
Credit Card Dept 信用卡部
General Auditing Dept 总稽核室
Computer Center 电脑部
Training Management Dept 教育部
Institute of International Finance 国际金融研究所
Trust and Consultation Co 信托咨询公司

Nome 名称 Symbol or Abbreviation 称号或缩写 Country of Place 国家或地区
Afghani 阿富汗尼 Af Afghanistan阿富汗
bath 铢 B Thailand泰国
balboa 巴波亚 B Panama巴拿马
aolivar 博利瓦 ＄b Venezuela委内瑞拉
colon（哥斯达黎加）科郎 ￠ Costa Rica哥斯达黎加
colon（萨尔瓦多）科郎 ￠ El Salvador萨尔瓦多
cordoba 科多巴 C＄ Nicaragua尼加拉瓜
cruzeiro 克鲁赛罗 Cr＄ brazil巴西
dalasi 达拉西 DG Gambia冈比亚
dinar（阿尔及利亚）第纳尔 DA Algeria阿尔及利亚
dinar（伊拉克）第纳尔 ID Iraq伊拉克
dinar（约旦）第纳尔 JD Jordan约旦
dinar（科威特）第纳尔 KD Kuwait科威特
dinar（利比亚）第纳尔 LD Libya利比亚
dinar（也门民主人民共和国）第纳尔 YD The People’s Democratic Republic of Yemen 也门民主人民共和国
dinar（突尼斯）第纳尔 D Tunisia突尼斯
dinar（南斯拉夫）第纳尔 DIN Yugoslavia南斯拉夫
dirham 迪拉姆 DH Morocco摩洛哥
dollar（澳大利亚）元 ＄A Australia澳大利亚
dollar（巴哈马）元 B＄ Bahamas巴哈马
dollar（百慕大）元 DB＄ Bermuda百慕大
dollar（加拿大）元 Can＄ Canada加拿大
dollar 埃塞俄比亚）元 ＄Eth Ethiopia埃塞俄比亚
dollar（斐济）元 F＄ Fiji斐济
dollar（圭亚那）元 G＄ Guyana圭亚那
dollar（香港）元 HK＄ Hongkong香港
dollar（牙买加）元 J＄ Jamaica牙买加
dollar（利比里亚）元 L＄ Liberia利比里亚
dollar（马来西亚）元 M＄ Malaysia马来西亚
dollar（新西兰）元 NA＄ NewZealand 新西兰
dollar（新加坡）元 S＄ Singapore新加坡
dollar（特立尼达和多巴哥 TT＄ Trinidad and Tobago特立尼达和多巴哥
dollar（美国）元 US＄ USA美国
dong（越南）盾 D DBVN越南民主共和国
drachma 德拉克马 Dr Greece希腊
escudo（智利）埃斯库多 E Chili智利
escudo（葡萄牙）埃斯库多 Esc Portugal葡萄牙
forint 福林 Ft Hungary匈牙利
franc（比利时）法郎 BF Belgium比利时
franc（布隆迪）法郎 Fbu Burundi布隆迪
Franc（非洲金融共同体）法郎 Franc（非洲金融共同体）法郎 CFAF Cameroon喀麦隆；The Central African Republic中非共和国； Chad乍得；The People's Republic of the Congo 刚果人民共和国；Dahomey达荷美；Gabon加蓬；Ivory Coast象牙海岸；Niger　尼日尔；Senegal塞内加尔；Toto多哥；Upper Volta上沃尔特等
franc（法国）法郎 FF France法国
franc（卢森堡）法郎 LuxF Luxemb(o)urg 卢森堡
franc（马尔加什）法郎 FMG The Malagasy Republic马尔加什共和国
franc（马里）法郎 MF Mali马里
franc（卢旺达）法郎 RF Rwanda卢旺达
franc（瑞士）法郎 Sf Switzerland瑞士
gourde 古德 G Haiti海地
guarani 瓜拉尼 C Paraguay巴拉圭
Guilder（或florin）（荷兰）盾 fF Netherlands荷兰
kip 基普 K Laos老挝
koruna（捷克）克朗 KeS Czechoslovakia捷克斯洛伐克
krona（冰岛）克朗 IKr Iceland冰岛
krona（瑞典）克朗 SKr Sweden瑞典
krone（丹麦）克朗 DKr Denmark丹麦
krone（挪威）克朗 NKr Norway挪威
kwacha（马拉维）克瓦查 MK Malawi马拉维
kwacha（赞比亚）克瓦查 K Zambia赞比亚
kyat（缅甸）元 K Burma缅甸
lek 列克 Lek Albania阿尔巴尼亚
lempira 伦皮拉 L Honduras洪都拉斯
leone 利昂 Le Sierra Leone塞拉利昂
leu 列伊 Lv Romania罗马尼亚
lev 列弗 L Bulgaria保加利亚
lira（意大利）里拉 Lit Italy意大利
Lira（土耳其）里拉（或镑） LT Turkey土耳其
Mark（德意志联邦共和国）马克 DM GFR德意志联邦共和国
Markka（芬兰）马克 Fmk Finland芬兰
Naira　奈拉 Nigeria 尼日利亚
new cedi　新塞地 NC Ghana加纳
Ouguiya　乌吉亚 UM Mauritania毛里塔尼亚
pa'anga　邦加 T＄ Tonga汤加
Peseta　比塞塔 Ptas Spain西班牙
peso（阿根廷）比索 ＄a Argentina阿根廷
peso（玻利维亚）比索 ＄b Bolivia玻利维亚
peso（哥伦比亚）比索 Col＄ Colombia哥伦比亚
peso（古巴）比索 Cub＄ Cuba古巴
peso（多米尼加）比索 RD＄ The Dominican Republic多米尼加共和国
peso（墨西哥）比索 Mex＄ Mexico墨西哥
peso（菲律宾）比索 P Philippines菲律宾
peso（乌拉圭）比索 Ur＄ Uruguay乌拉圭
pound（塞浦路斯）镑 ￡C Cyprus塞浦路斯
pound（埃及）镑 LE Egypt埃及
pound（英国）镑 ￡(￡ Stg) Great Britain英国
pound（爱尔兰）镑 ￡Ir Ireland爱尔兰
pound（黎巴嫩）镑 LL Lebanon黎巴嫩
pound（马耳他）镑 ￡M Malta马耳他
pound（苏丹）镑 ￡S Sudan苏丹
pound（叙利亚）镑 LS Syria叙利亚
quetzal 格查尔 Q Guatemala危地马拉
Renminbiyuan 人民币元 RMB China中国
rial（伊朗）里亚尔 Rls Iran伊朗
riel 瑞尔 Cambodia柬埔寨
riyal（沙特阿拉伯）里亚尔 SRls Saudi Arabia沙特阿拉伯
riyal（阿拉伯也门共和国）里亚尔 YRls The Arab Republic of Yemen阿拉伯也门共和国
rouble 卢布 R(rub, Rbl) USSR俄罗斯
rupee（印度）卢比 Rs India印度
rupee（毛里求斯）卢比 MRs Mauritius毛里求斯
rupee（尼泊尔）卢比 NRs Nepal尼泊尔
rupee（巴基斯坦）卢比 PRs Pakistan巴基斯坦
rupee（斯里兰卡）卢比 SRs Sri Lanka斯里兰卡
rupiah（印度尼西亚）卢比（或盾） Rp Indonesia印度尼西亚
schilling（奥地利）先令 Sch Austria(奥地利)
shilling（肯尼亚）先令 KSh Kenya(肯尼亚)
shilling（坦桑尼亚）先令 TSh 坦桑尼亚
shilling（乌干达）先令 USh 乌干达
sol 索尔 s/ 秘鲁
Somali shilling 索马里先令 ShSo Somali索马里
sucre 苏克雷 S/ Ecuador厄瓜多尔
syli 西里 syli syli几内亚
tugrik 图格里克 Tug Mongolia蒙古
won（朝鲜）圆 W The Democratic People's republic of Korea 朝鲜民主主义人民共和国
日元 ￥ Japan日本
扎伊尔 Z Zaire扎伊尔
兹罗提 Zl Poland波兰
注：①dellar的符号＄也可作＄。
②有些货币的符号或缩写用复数，如比塞塔（Ptas）、里亚尔（Rls）、卢比（Rs）等，
一般去掉末尾的即为其单数形式，但卢比（urpee）的单数形式为Re。
③非洲金融共同体法郎（CFAF）的全称为Communaute Financiere Africaine Franc.

What kind of account did you have in your mind?
你想开哪种帐户？
Do you like to open a current account?
你想开一个活期存款帐户吗？
A deposit or current account?
定期还是活期？
Please tell me how you would like to deposit your money.
请告诉我你想存何种户头？
There's a service charge for the checking account but no charge for the savings.
支票户头要收服务费，现金户头不收。
Our minimum deposit for a savings account is 100 dollars.
我们储蓄存款的最低存款额是100美圆。
Five yuan is the minimum original deposit.
最低起存款额是5元。
You can open a savings account at any time with an initial deposit of 50 dollars.
你可随时以50美圆的起存额开立储蓄帐户。
Even one yuan is all right.
甚至一元也可以起存。
Here is your pasbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it.
这是你的存折，存取款时请带来。保管好存折，遗失请告诉我们。
I should like to open a current account.
我想开一个活期存款帐户。
I need a checking account so that I can pay my bill.
我需开个支票帐户，这样就能付帐。
We'd like to know how we open a checking-savings account.
我们想知道如何开一个支票储蓄帐户。
I have a checking account here.
我在这里有一个支票存款帐户。
I think I'd like a deposit account.
我想要开个定期存款帐户。
Can I open a current account here?
我能否在这儿开个活期存款帐户？
I want to open a deposit account with you.
我要开个储蓄帐户。
I'd like to open a deposit account with you.
我想在你们这儿开个定期存款帐户。
Could you tell me the difference between a savings account and a checking account?
请告诉我储蓄存款与支票存款的区别好吗？
Please tell me the procedure for opening a savings account.
请告诉我开个储蓄帐户需要什么手续。
Will 100 yuan be enough for a minimum deposit?
100元作最低存款额够吗？
I'd like to know whether a 200 yuan deposit will be enough for opening a checking account.
我想知道开一个支票帐户200元存款是否够。
Could you tell me how to operate this account?
请告诉我如何经管这个帐户好吗？
Is there any minimum for the first deposit?
第一次储蓄有最低限额吗？
How much does each account cost?
每个帐户要花多少钱？

Useful Phrases
current deposit, current account 活期存款
fixed deposit, fixed account 定期存款
fixed deposit by installments 零存整取
joint account 联名存款帐户
to open an account 开户头