问个银行里面的术语

francais

再看银行的投资项计划时候，经常看到cashable这个词，如看到GIC产品时候可以看到： Non Cashable Products products and Cashable Products   请问这具体是啥意思呀。
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还有我们通常说的利滚利，用英文应该怎么说呀？

Xbfeng

Non Cashable Products  定期存款，
Cashable Products  活期存款，
利滚利 Compound Interest
Compound interest is the concept of adding accumulated interest back to the principal, so that interest is earned on interest from that moment on. The act of declaring interest to be principal is called compounding (i.e., interest is compounded). A loan, for example, may have its interest compounded every month: in this case, a loan with $100 principal and 1% interest per month would have a balance of $101 at the end of the first month.

Interest rates must be comparable in order to be useful, and in order to be comparable, the interest rate and the compounding frequency must be disclosed. Since most people think of rates as a yearly percentage, many governments require financial institutions to disclose a (notionally) comparable yearly interest rate on deposits or advances. Compound interest rates may be referred to as Annual Percentage Rate, Effective interest rate, Effective Annual Rate, and by other terms. When a fee is charged up front to obtain a loan, APR usually counts that cost as well as the compound interest in converting to the equivalent rate. These government requirements assist consumers to more easily compare the actual cost of borrowing.
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Compound interest rates may be converted to allow for comparison: for any given interest rate and compounding frequency, an "equivalent" rate for a different compounding frequency exists.

8 c# Z$ k/ N+ ]( p6 N& ~3 I: |Compound interest may be contrasted with simple interest, where interest is not added to the principal (there is no compounding). Compound interest predominates in finance and economics, and simple interest is used infrequently (although certain financial products may contain elements of simple interest).

贝壳

原帖由 Xbfeng 于 2009-2-18 23:33 发表
Non Cashable Products  定期存款，
Cashable Products  活期存款，
利滚利 Compound Interest
Compound interest is the concept of adding accumulated interest back to the principal, so that interest is  ...

感谢沙发的解释

francais

如果cashable是活期的意思。
% |2 K, ]0 z! M7 c# O$ U3 Z. O那这个产品怎么解释呀？
CIBC Cashable Escalating Rate GIC® (3-Year)
这一款是说一个利率增长的3年的GIC存款。

魂游天外

原帖由 francais 于 2009-2-18 22:46 发表
% E8 b2 ^( |/ R8 w# [* b再看银行的投资项计划时候，经常看到cashable这个词，如看到GIC产品时候可以看到： Non Cashable Products products and Cashable Products   请问这具体是啥意思呀。
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7 _# {6 N. o4 B" v0 Z0 E
0 v; i) w1 C1 M" C/ z还有我们通常说的利滚利，用英文应该怎么说 ...

趕緊把精打互換出來吧！

Xbfeng

原帖由 francais 于 2009-2-20 15:13 发表
6 K0 [7 t$ U) N: G+ G3 Q% C; @( }如果cashable是活期的意思。
/ C& i2 `/ I( U那这个产品怎么解释呀？
! g) a, _8 w  E; M! ?( O3 P3 ~CIBC Cashable Escalating Rate GIC® (3-Year)
. a4 C# d+ Z& ?  t这一款是说一个利率增长的3年的GIC存款。

每一项GIC都是银行的产品。
9 s+ G: f; v3 P" N2 y0 a, A( zCIBC Cashable Escalating Rate GIC® (3-Year)
这一款是说一个可以兑现的（有的是在存满周年时可以兑现的）利率逐年增长的3年的GIC存款。

billzhao

楼上讲的好

小叶子

原帖由 Xbfeng 于 2009-2-18 23:33 发表
" q5 a. r1 ^2 I1 E- @9 m, x  lNon Cashable Products  定期存款，
Cashable Products  活期存款，
1 g" S. i/ N: `7 W( e- N* c利滚利 Compound Interest
Compound interest is the concept of adding accumulated interest back to the principal, so that interest is  ...

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6 K! y5 B4 d9 Z+ w' ?0 p回答太准确了！

kensu

cashable= cash+able
for instance, "cashable after 30 full days without panality"

soogod

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