關於銀行資產的流動性知識（雙語）
下面是本站小編整理的關於銀行資產的流動性知識，以供大家學習參考。
Liquidity to a bank is a little bit like health to an individual. Figuratively speaking, if a bank has poor liquidity, then it is likely that they will be in the intensive care ward; in other words insolvent. Liquidity literally refers to the speed in which an asset can be converted into cash. When a company or bank considers putting its' money into liquid assets, it means investing money in money market securities, short term CDs or a savings account held at a bank. For banks, this is an account held at the central bank. A bank's investment earnings can be severely affected if they hold too many liquid assets, as the more liquid the asset, the lower the yield tends to be. Some assets that should not be considered as liquid are bonds (including State bonds), mutual funds, stocks and insurance policies.
流動性對於銀行就如同人體的健康。形象地說，如果銀行的流動性不佳，那麼就可能被關進重病護理病房;換句話說，也就是破產。按字面意思理解，流動性就是指資產轉換為現金的速度。當公司或銀行考慮將錢變為流動資產時，就意味著將錢投資到金融市場有價證券、短期存單或銀行儲蓄賬戶。對銀行來說，這是一個在中央銀行持有的賬戶。如果他們持有過多的流動資產，銀行的投資所得就會受到嚴重影響，這是因為流動資產越多，收益就越低。某些不應視為流動資產的有債券(包括國家債券)、共同基金、股票和保單。
(1)前臺諮詢：
Good morning, sir, what can I do for you? 您好，先生，我能為您做點什麼呢?
I want to exchange some money/ open an account/ apply for a credit card.
我想兌換一些錢/ 開個賬戶/ 辦張信用卡。
Did you bring your ID? 帶身份證了麼?
Excuse me, could you tell me where is the counter for remittance (匯款)?
請問，哪個視窗能辦理匯款?
Well, please go to counter (櫃檯，視窗)No. 4. 請您到4號視窗辦理。
This is your number slip (叫號單)，you may sit in the rest area, and wait a moment.
這是您的叫號單，請到休息區稍候。
Fill in this application form and line up at Window
2, please. 填一下這張申請表，然後去二號視窗排隊就可以了。
(2)排隊等候：
Hey mister. What are you doing? Why don't you wait in line? 嘿，這位先生，你幹嗎?怎麼不排隊?
I'm sorry; I was here first, but then the clerk told me I need to go get my ID, so…
不好意思。我其實來得挺早的，但這兒的職員讓我去拿身份證，所以……
Sorry, I need the money fast. My mother is in the hospital. 對不起，我急著用錢。我母親要住院。
Even so, that's your own carelessness. You can't jump the line while others are waiting.
那也得怪你自己粗心。別人都排隊，不能就你自己插隊啊。
I'm sorry, I didn't know you were in urgent need of money.
不好意思，我不知道你急用錢。
It doesn't matter. Anyway, the rules must be followed. I will go back to the end of the line.
沒關係。不管怎麼說，還是該按規定來。我這就站到隊尾去。
(3)開戶及存款：
Good morning, sir/ madam! 早上好，先生/ 女士!
I ’d like to open a savings account and deposit some money. 我想開個儲蓄帳戶然後存些錢進去。
Current or fixed accounts? 活期還是定期賬戶?
I think I ’ll open a current account. 那我還是開個活期賬戶吧。
Ok. Do you have ID card on you? 您帶身份證了嗎?
Yes. 帶了。
