銀行賬戶(hù)及業(yè)務(wù)介紹

　　銀行業(yè)務(wù)是指銀行辦理的業(yè)務(wù)。按照其資產(chǎn)負(fù)債表的構(gòu)成，銀行業(yè)務(wù)主要分為負(fù)債業(yè)務(wù)、中間業(yè)務(wù)、資產(chǎn)業(yè)務(wù)三類(lèi)。小編為大家整理銀行賬戶(hù)及業(yè)務(wù)介紹，希望對(duì)你有幫助哦!

　　一、銀行賬戶(hù)

　　Customers generally visit a bank for two reasons. The first is to borrow money to purchase an item, which might cost more than their monthly income. The second is to deposit their money in the bank for safe- keeping. This money is kept in a bank account, and as compensation for the use of the customer's money the bank pays interest to the customer. There are many types of customer banking accounts. The most common are savings accounts, time or term deposit accounts, foreign currency accounts, cash management accounts, money market accounts and checking accounts. The level of interest available on these accounts depends on the whether the funds are available on demand (also referred to as at call deposits), the currency the account is denominated in and the source of end investment used by the bank. Usually the higher the interest rate, the less access the customer has to their money.

　　客戶(hù)訪(fǎng)問(wèn)銀行通常出于兩種目的。第一種目的是向銀行借錢(qián)購(gòu)買(mǎi)可能超過(guò)他們?cè)率杖氲纳唐?。第二種目的是基于安全考慮把錢(qián)存到銀行里。錢(qián)存在銀行的賬戶(hù)上，作為使用客戶(hù)資金的補(bǔ)償，銀行向客戶(hù)支付利息?？蛻?hù)的銀行賬戶(hù)有各種類(lèi)別。最常見(jiàn)的是儲(chǔ)蓄賬戶(hù)、定期存款賬戶(hù)、外匯賬戶(hù)、現(xiàn)金管理賬戶(hù)、貨幣市場(chǎng)賬戶(hù)和支票賬戶(hù)。這些賬戶(hù)的利率取決于這些資金是否可以被隨時(shí)支取(也被稱(chēng)為通知存款)。存款存放在賬戶(hù)里，是銀行用來(lái)投資的最終源泉。通常利率越高，客戶(hù)取回他們存款的難度就越高。

　　二、銀行業(yè)務(wù)

　　After the customer has set up an account, they can either deposit or withdraw money from their account depending on their individual requirements. These transactions are carried out at the counter of the bank branch. The person at the counter is usually referred to as a teller. The teller is authorized to accept and payout cash, issue bank checks, accept bill payments (e.g. electricity, gas, water, telephone), conduct foreign exchange, arrange money transfers between accounts and accept credit card payments.

　　在客戶(hù)開(kāi)立賬戶(hù)以后，他們可以在賬戶(hù)上隨意存款和取款。這些業(yè)務(wù)在銀行網(wǎng)點(diǎn)的柜臺(tái)上進(jìn)行。柜臺(tái)工作人員通常被稱(chēng)為出納。出納有權(quán)接受和支付現(xiàn)金、簽發(fā)銀行支票、接受賬單支付(比如水、電、煤氣、電話(huà)等)，進(jìn)行外匯交易、在賬戶(hù)間轉(zhuǎn)賬并接受信用卡付款。