金融英语：银行外汇存取汇款介绍.docx

美联英语提供：金融英语：银行外汇存取汇款介绍小编给你一个美联英语官方试听课申请链接：/?tid=16-73374-0You can conveniently and swiftly remit your foreign exchange fund to any account of other cities or foreign countries您可在银行方便快捷地将自己的外汇款项汇往异地或境外的任一账户。You can select a method from T/T， M/T and D/D on the basis of your own needs您可根据自己需要任意选择电汇、信汇和票汇三种方式办理业务。You can also enjoy more convenient remittance services by means of ICBCs remittance express service Besides the abovementioned personal remittances， you may also select MoneyGram， a kind of individualtoindividual international urgent remittance service With this service， the funds normally can be received within 10 minutes ICBC has already signed cooperation agreements with the Thomas Cook MoneyGram Payment Systems Inc您也可以通过工商银行的汇款直通车服务享受到更加便捷的汇款服务。除上文述及的个人汇款外，您还可选择速汇金（Money Gram）这种个人与个人之间的国际特快汇款服务。通过这种服务，正常情况下10分钟之能内便收到款项。工商银行已经与通济隆速汇金付款系统公司签订了合作协议。银行产品介绍外币旅行Foreign Currency Travelers Check Agency Sales外币旅行支票代理销售业务The travelers check is easy to carry， safe to use and simple to handle It is a kind of payment tool suitable for an official visit or touring abroad It is more convenient and secure than cash It can be cashed or directly used in various major banks， international hotels， restaurants， and other consumption facilities旅行支票携带方便、使用安全、手续简便，是一种用于公务出国或旅游，比现金更为方便和安全的支付工具。可到各大银行、国际酒店、餐厅及其他消费场所兑换现金或直接使用。ICBC currently can handle travelers checks agency sales and cashing Youre only required to produce the travelers check with your own signature and your own valid identification certificate， and countersign it on the counter If both signatures are in conformity， cash can be withdrawn at once工商银行目前可提供旅行支票的代售和兑付业务，您只需出具本人签发的旅行支票及本人有效身份证件并在银行柜台当场复签，双签核对相符后即可办理兑付现金。银行产品介绍：SavingsDeposits外币活期存款Savings Deposits外币活期存款Foreign currency savings deposits may be kept in the account of deposit certificate or checking account They may be deposited and withdrawn at any time The minimum amount for such deposit is foreign currencies with a value not less than the equivalent of RMB 100 yuan for a Btype account of deposit， or foreign currencies with a value not less than the equivalent of 20 RMB yuan for a Ctype account of deposit外币活期存款为存折户和支票户，可随时存取，开户起存金额：乙种账户存款为不低于人民币100元的等值外币；丙种账户存款为不低于人民币20元的等值外币。银行产品介绍：DepositCollectionsinDifferentPlaces储蓄存款异地托收In case of his post transfer， household register transfer or any other circumstances， a client may have the bank collect his deposit in different places and draw the deposit or continue to keep the deposit against his certificates of deposit （passbook） at a local bank客户因工作调动，户口迁移或其它原因，均可以凭存单（折）将存在异地的储蓄存款通过银行办理托收，在当地银行支取或继续存储。The client may entrust any savings office to transact deposit collections in different places by presenting his own credentials and the deposit certificate （passbook）客户可凭本人身份证件和存单（折）向储蓄机构委托办理异地托收。Services of deposit collections in different places cover： current deposit， time deposit and currenttime optional deposit in local and foreign currencies Only full amount collections of the abovementioned certificates of deposit （passbook） are handled The collections apply to none of unregistered deposits储蓄存款办理异地托收业务的种类有：本外币活期储蓄存款、定期储蓄存款和定活两便储蓄存款，只办理存单（折）全部金额托收。无记名式的储蓄存款不办理托收。银行产品介绍外币七天通知存款Sevenday Notice Deposit七天通知存款The principal is deposited in a lumpsum for a maturity of not less than seven days The minimum amount of deposit is the foreign currency with a value not less than the equivalent 5，000 RMB yuan For the withdrawal of such deposit， the Bank shall be informed in writing seven days ahead of time一次性存入本金，存期不少于7天，起存金额不低于5，000元人民币的等值外币。支取存款需在7天前书面通知银行。银行产品介绍：Savings/Time Optional Deposits外币定活两便存款Savings/Time Optional Deposits定活两便存款Savings/time optional deposit in foreign currency are registered deposit without fixed amount， without definite maturity， whose interest rate varies in line with the length of maturity The minimum amount of deposit is the foreign currency with a value not less than the equivalent of 50 RMB yuan The longest maturity is 1 year， and the interest is computed at a discount rate relevant to the corresponding grade of interest rate for time deposits of lumpsum depositing and lumpsum withdrawal according to the actual number of days deposited The interest is computed with reference to interest rate of the RMB Time/Current Optional Deposits外币定活两便存款是一种不确定存期，利率随存期长短而变动的记名式不定额存款。起存金额不低于人民币50元的等值外币。存期最长为1年，按实存天数，符合整存整取定期存款哪个档次就按该档次利率打折计息。计息参照“人民币定活两便储蓄存款”。银行产品介绍：Agency Duty Refund for Consumption Abroad代理境外消费退税Signified by the signing of the “Agency Personal Duty Refund Collection for Consumption Abroad” agreement by ICBC Shanghai Branch， Beijing Branch and the world renowned refund agencyGlobal Refund Inc， ICBC took the lead in the country to offer Agency Duty Refund for Consumption Abroad以工商银行上海、北京分行与世界著名退税机构环球退税公司签定“代理个人托收境外消费退税业务”协议书为标志，工商银行率先在国内开办了代理境外消费退税业务。No matter youre a domestic or foreign resident， after consuming in over 130，000 shops with Global Refund Tax Free Shopping mark in Austria， Belgium， Denmark， Finland， France， Germany， England， Greece， Holland， Iceland， Ireland， Italy， Luxemburg， Norway， Portugal， Spain， Sweden， Switzerland， Singapore， Argentina， Czechoslovakia， and so on， you can take your identification certificate， shopping receipts， and Global Refunds refund checks with Customs seal acquired from these shops to ICBC to handle spot cash duty refund or collect fund from your designated account You enjoy convenient service of consumption abroad and refund at home无论您是国内居民还是外国居民，在奥地利、比利时、丹麦、芬兰、法国、德国、英国、希腊、荷兰、冰岛、爱尔兰、意大利、卢森堡、挪威、葡萄牙、西班牙、瑞典、瑞士、新加坡、阿根廷、捷克等国家的13万多家有Global Refund “TAX FREE SHOPPING”标志的商店消费后，均可持身份证件、购物收据以及从这些商店获得的加盖海关图章的Global Refund退税支票等，来工商银行办理即时现金退税业务或通过您指定的账户收取款项，享受到“境外消费、境内退税”的便捷服务。银行产品介绍：Time Deposits of Deposit & Withdrawal外币定期存款Time Deposits of Lumpsum Deposit and Withdrawal外币整存整取定期存款Time deposits of lumpsum deposit and lumpsum withdrawal are fixed deposits that are deposited by lumpsum， and whose principal and interest are paid by lumpsum upon maturity The terms of deposit are div