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单位协定存款

2006-04-26 11:11

  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,我们公司办理单位协定存款有什么好处吗?

  B:增加利息收入。

  A:怎么回事呢?

  B:喔,单位协定存款的依据是客户与银行签订的协定存款合同,约定期限和结算账户需要保留的基本存款额度。

  A:那存款利息如何计算呢?

  B:基本存款额度内的存款利息按结算日或支取日的活期存款利率计算。

  A:超过部分呢?

  B:超过基本存款额度的存款利息按人行公布的协定存款利率结息。

  A:究竟怎么算呢?

  B:它高于活期存款利率,但低于6个月定期存款利率。

  A:嗯…,我们公司如何办理单位定期存款呢?

  B:让我来告诉您。

  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,我公司如何在你们银行办理单位协定存款呢?

  B:噢…,首先,你们公司要与我行签订单"单位协定存款合同",然后我行为你在结算账户之上开立协定存款账户。

  A:合同持续多久呢?

  B:合同最长期限为一年(含),到期任何一方如未提出终止或修改,则自动延期。

  A:那如何申办该账户呢?

  B:在此之前,企业必须开立一个基本存款账户或一般存款账户(简称"结算账户"),用于正常经济活动的会计核算。

  A:这是怎么回事呢?

  B:结算账户称为A户,同时电脑自动生成协定存款账户(B户)。如单位已有结算账户,则将原有的结算账户作为A户,为其办理协定存款手续。

  A:谢谢您提供的信息。

  B:很荣幸。

  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:贵行对初次协定存款有什么要求吗?

  B:A户的起存金额为10万元。

  A:如何取款呢?

  B:协定存款账户的A户视同一般结算账户管理使用,可用于现金转账业务支出。

  A:可以透支吗?

  B:A户、B户均不得透支,而且,B户作为结算户的后备存款账户,不直接发生经济活动,资金不得对外支付。

  A:怎样结息呢?

  B:每季末月二十日或协定存款户(B户)销户时计算协定存款利息。

  A:我明白了。我们公司将尽快办一个账户。

  B:欢迎您再次光临。

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