往来账户(双语)

　　A current account （also called a cheque account）is a convenient and safe method of handling money. Your salary can go straight into your account， and these days more and more people are paid by direct credit instead of in cash. Direct credit means that your employer， or anyone else who wishes to pay you money， can pay the money straight out of their account into yours. Cheques， postal orders and money orders （including International Money Orders） can be paid direct to your account also.

　　往来账户（也叫支票账户）用于管理资金非常的方便，而且安全。你的薪金可以直接划到你的账户上，最近，越来越多的客户不用现金支付，而是直接入账。直接入账是指你的老板，或任何其他人要付款给你，可以将货币直接从他的账户上支付到你的账户上。支票、邮局汇款单和汇票（包括国际汇票）也可以直接支付到你的账户上。

　　You can pay your bills by cheque in shops，hotels， airports， restaurants and other places（but not in taxes， for example）。 You can pay regular bills by direct debit from your account. These regular bills include insurance premiums，rent， rates and hire purchase installments. These regular bills must be for sums of money where the amount remains the same every month during a certain period.

　　客户可以在商店、旅馆、机场、饭店及其他地方（也有例外，如出租车）用支票支付账单，也可以从你的账户上直接划款，定期支付账单。这些定期账单必须用来支付货币总额，并可以在一段时期内，每个月支付相同的金额。

　　You can tell your bank， for example， to pay Monarch Insurance Co. ￡10 per month on the 21st of every month from now until further notice. The bank will pay this automatically， by banker's order （also called standing order） or direct debit. You don't have to post the cheque to Monarch Insurance Co.； you don't have to travel to their office.

　　例如，客户可以要求银行从现在起在每个月的21号，按月向摩纳卡保险公司支付10美元，直到通知止付时为止。该行可以用本票（也叫约期付款委托书），或以直接贷记的方式自动支付这笔款项。这样客户就不用向摩纳卡保险公司寄送支票；也不用来回跑了。

　　With a current account you have the advantage of a cheque book service， which means that you don‘t have the risk of carrying large amounts of cash with you. You also know where your money goes and where it comes from， because you get a regular statement from your bank， showing debit and credit entries （or payments and receipts respectively），and the balance. Nowadays banks in the UK do not return your cheque with each statement， so it is advisable to keep a record of transactions on the counterfoil or stub.

　　有了往来账户，客户就可以享受到支票簿服务的便利，也就是说，客户用不着随身携带大量现金，避免了风险。客户还可以了解到款项的去向和来源，因为你可以定期收到银行的对账单，对账单表明借记和贷记的金额（或分别显示收、支金额），以及余额。目前，英国银行在发送对账单时不附支票，因此，保存好每笔交易记录的支票存根或票根是明智的。