完整版银行储蓄业务对话文档良心出品

1、储蓄存款业务对话:1. 办理活期存折客户：您好,我想开立一个账户,但我不知道要开哪种账户.职员：您经常存钱和取钱吗 客户：不,我不经常存钱和取钱.我只想把工资存起来,并且用这个账户来支付每月一次在百货商场所买的东西.职员：那么,您还是开立一个活期存折为好,您可以随用随取,您认为怎样客户：好的.职员：请您出示一下身份证.客户：给您！职员：请问您是否要设定密码客户：哦,需要.职员：请您输入您要设定的密码,一共是六位.客户：好的.职员：这是您的存折,请您拿好.客户：谢谢.1. Applying for a demand deposit passbookCustomer: Hello. I want

2、to open an account, but I do not know which type to choose.Bank Clerk: Do you often deposit and withdraw money?Customer: No, I don' t. I only want to deposit my salary in the account, and use the account to pay for my monthly shopping in department stores.Bank Clerk: A demand deposit account wil

3、l do. You can withdraw money whenever youneed. How do you thinkCustomer: It will do.Bank Clerk: Please show your identification card.Customer: Here you are!Bank Clerk: Excuse me; do you want to set a passwordCustomer: Oh, yes.Bank Clerk: Please input your password, 6 digits.Customer: OK.Bank Clerk:

4、This is your passbook. Please take it carefully.Customer: Thanks.2. 办理定期存折职员：您好,先生,我能为您做什么 客户：我想开一个储蓄账户,但我不知道开什么账户请给我一些建议,好吗职员：当然.我很愿意帮您的忙.我们为个人开办了活期账户和定期账户.客户：它们有些什么不同呢 职员：如果您开的是定期账户,您就会得到写有存款人名字的定期存单,享受较高的利率.客户：那么活期存款呢 职员：活期账户使用的是存折,您可以随时取款.取款时,您只要出示存折就行.客户：那活期与定期的利率分别是多少职员：请您看那边的提示板.客户：哦,我想存定期.请问

5、我需要存多久职员：定期储蓄的利率是根据存款的金额和存期决定的.您想存多少钱,存多久 客户：我想就存一年,存一万元.这是现金,请点一下.职员：谢谢.请给我您的身份证.2. Applying for time deposit passbookBank Clerk: Hello, sir. What can I do for you?Customer: I want to open a savings account, but I don' t know what to choose. Wouldyou please give me some advice?Bank Clerk: Sure,

6、 my pleasure. Weoffer individual customers with demand deposit and time deposit.Customer: What is the difference between them?Bank Clerk: If you open a time deposit account, you will obtain a certificate of deposit with the name of the depositor and enjoy a much higher interest rate. Customer: Then

7、how about demand deposit?Bank Clerk: The demand deposit allows you to withdraw money at any time with your demand deposit passbook. You only need to show your passbook at withdrawal.Customer: What are their respective interest rates?Bank Clerk: Look at the notification board over there, please.Custo

8、mer: Well, I want to open a time deposit account. Excuse me, how long should the term be?Bank Clerk: The interest rate of time deposit depends on the amount and term of deposit. How much money do you want to deposit? And how long?Customer: I want to deposit 10,000 Yuan for one year. Here is the cash

9、. Please check it.Bank Clerk: Thanks. Give me your identification card, please.3. 提前支取定期存款职员：我能为您做点什么吗客户：我在这里开了定期账户,一个月以后到期.我现在急于用钱,现在能取吗职员：可以.您可以在到期日之前取出,但是您拿不到规定的利息.客户：您的意思是您可以按我的要求取出我的钱,但是利息是根据取款当天的利率计算.职员：是的,如果您不取完,剩余的钱按存款时利率计算.客户：我明白了.您能告诉我活期利率是多少吗职员：X%客户：那么我要损失一点利息了.职员：是的,这就是为什么我们鼓励客户仔细地考虑存期和存

10、款金额,假设他们想获得长期 的利益.客户：我明白了 ,感谢您的帮助.职员：不用谢.3. Withdrawing time deposit before maturityBank Clerk: What can I do for you?Customer: I have a time deposit account here. It will due in a month. I' m now inurgent need of cash. Can I withdraw the money?Bank Clerk: Certainly. You can withdraw your money

11、before maturity, butyou can not receive the agreed interests.Customer: You meanthat I can withdraw mymoney, but the interests will be calculated at the rate of the withdrawal date.Bank Clerk: Yes. If you don ' t withdraw all your money, the interests of the rest will be calculated at the rate ag

12、reed on the depositing day.Customer: I see. Would you please tell me the current deposit rate?Bank Clerk: X%.Customer: Then I ' ll lose some interests.Bank Clerk: Yes, this is why we encourage the customer to carefully take account of the term and amount of deposit, if they want to obtain long-t

13、erm benefits.Customer: I see. Thanks for your help.Bank Clerk: You ' re welcome.4. 挂失存折职员：我能帮什么忙吗客户：我希望是的,很抱歉我丢了存折.职员：是那样啊,那么您能告诉我您存了多少钱吗客户：大约人民币 8000元.职员：好吧.请告诉我您的姓名、地址和您的账号.客户：我叫XXX我的地址是 XXX,但我想不起账号了.职员：先生您不用着急,让我查一下,请稍等.我查到了您的账号,您账户余额确实是 人民币8000元.客户：谢天谢地,钱还在.谢谢！职员：不用谢.请填写存折遗失单,然后写明您开户时使用的密码.4

14、. Loss reporting of passbookBank Clerk: Can I help you?Customer: Yes. I ' ve lost my passbook.Bank Clerk: Oh, would you please tell me how much money you have in it?Customer: About RMB8, 000 Yuan.Bank Clerk: OK. Please tell me your name, address and account number.Customer: My name is XXX, my ad

15、dress XXX, but I can not remember my account number.Bank Clerk: Don' t worry, sir. Let me check it. Wait a minute, please. I ' ve checked out your account number. The balance of your account is still RMB8,000 Yuan.Customer: Thank goodness! My money is still there. Thank you!Bank Clerk: You &

16、#39; re welcome. Please fill up the passbook loss statement, and write down the password you set when opening the account.5. 如何办理教育储蓄职员：早晨好,有什么可以效劳的客户：我想为孩子办一份教育储蓄,请问该怎么办理职员：请问您的孩子多大客户：13岁了.职员：哦,教育储蓄开户对象为在校小学四年级以上学生,您的孩子应该已经到了吧 客户：是的.职员：教育储蓄存期分为一年、三年、六年.教育储蓄 50元起存,每户本金最高限额为2万元,您需要带着您孩子的身份证或户口本来办理.客户

17、：哦,这样啊,那我改日再来,谢谢您.职员：您客气了.5. How to apply for a RMB education depositBank Clerk: Good morning. What can I do for you?Customer: I want to apply for an education deposit for my child. Would you please tell me how?Bank Clerk: Excuse me, how old is your child?Customer: 13.Bank Clerk: Well, education dep

18、osit account is for students in primary school grade four and above. Is your child old enough?Customer: Yes.Bank Clerk: The term of education deposit can be one year, three years and six years. The minimum amount of deposit is 50 Yuan., and the ceiling for each account is 20,000 Yuan. We need the id

19、entification card or household registration certificate of your kid.Customer: Oh, I see. Then I will come back another day. Thank you.Bank Clerk: You ' re welcome.6. 如何办理定活两便存款 客户：您好！职员：很快乐为您效劳.客户：我想存款,但是我不确定存活期还是定期,由于我要随时支取.职员：您可以办一个定活两便的存折,一次性存入本金随时可以支取.利率较活期高一些, 还可以质押贷款.客户：那需要怎么办理职员：您把身份证及现金给

20、我就可以办理.客户：好的,谢谢.6. How to apply for a Time / Demand Optional DepositCustomer: Hello!Bank Clerk: My pleasure to help you.Customer: I want to deposit money, but I ' m not sure whether to make a demand or time deposit, because I want to withdraw money at any time.Bank Clerk: You can apply for a Tim

21、e / Demand Optional Deposit. You can deposit the principal one time and withdraw cash at any time. Its interest rate is much higher than that of demand deposit. And you can also pledge it for a loan.Customer: Then how can I apply?Bank Clerk: Give me your ID card and cash.Customer: OK. Thanks.7. 如何办理

22、零存整取职员：您好,请问有什么能帮助的吗 客户：您好,我想存款.职员：您想存定期还是活期客户：我想把每个月剩下的工资存起来.职员：您可以办理零存整取,每月存入定额本金,到期一次支取本息的效劳.客户：那我需要存多久呢职员：零存整取存款存期分为一年、三年、五年.存款金额由客户自定,每月存入一次.客户：哦,可以提前支取吗职员：可以,可提前支取,可约定转存,可质押贷款.但是提前支取利率会有变化,您是否 还要考虑一下客户：好,就办这个吧.这是我的身份证和1000元钱.7. How to apply for a Small Savings for Lump-sum WithdrawalBank Clerk: Hello. What can I do for you?Customer: Hello. I want to deposit money.Bank Clerk: What do you want to apply, demand or time deposit?Customer: I want to deposit the rema