关于银行资产的流动性知识（双语）
下面是本站小编整理的关于银行资产的流动性知识，以供大家学习参考。
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.
流动性对于银行就如同人体的健康。形象地说，如果银行的流动性不佳，那么就可能被关进重病护理病房;换句话说，也就是破产。按字面意思理解，流动性就是指资产转换为现金的速度。当公司或银行考虑将钱变为流动资产时，就意味着将钱投资到金融市场有价证券、短期存单或银行储蓄账户。对银行来说，这是一个在中央银行持有的账户。如果他们持有过多的流动资产，银行的投资所得就会受到严重影响，这是因为流动资产越多，收益就越低。某些不应视为流动资产的有债券(包括国家债券)、共同基金、股票和保单。
(1)前台咨询：
Good morning, sir, what can I do for you? 您好，先生，我能为您做点什么呢?
I want to exchange some money/ open an account/ apply for a credit card.
我想兑换一些钱/ 开个账户/ 办张信用卡。
Did you bring your ID? 带身份证了么?
Excuse me, could you tell me where is the counter for remittance (汇款)?
请问，哪个窗口能办理汇款?
Well, please go to counter (柜台，窗口)No. 4. 请您到4号窗口办理。
This is your number slip (叫号单)，you may sit in the rest area, and wait a moment.
这是您的叫号单，请到休息区稍候。
Fill in this application form and line up at Window
2, please. 填一下这张申请表，然后去二号窗口排队就可以了。
(2)排队等候：
Hey mister. What are you doing? Why don't you wait in line? 嘿，这位先生，你干吗?怎么不排队?
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。我其实来得挺早的，但这儿的职员让我去拿身份证，所以……
Sorry, I need the money fast. My mother is in the hospital. 对不起，我急着用钱。我母亲要住院。
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。别人都排队，不能就你自己插队啊。
I'm sorry, I didn't know you were in urgent need of money.
不好意思，我不知道你急用钱。
It doesn't matter. Anyway, the rules must be followed. I will go back to the end of the line.
没关系。不管怎么说，还是该按规定来。我这就站到队尾去。
(3)开户及存款：
Good morning, sir/ madam! 早上好，先生/ 女士!
I ’d like to open a savings account and deposit some money. 我想开个储蓄帐户然后存些钱进去。
Current or fixed accounts? 活期还是定期账户?
I think I ’ll open a current account. 那我还是开个活期账户吧。
Ok. Do you have ID card on you? 您带身份证了吗?
Yes. 带了。
