English Chinese translation sample-Auto-transfer-Cases

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Cases
I. Auto-transfer – Recurring
Madame Zhao, Vice President of a Beijing Company. Her son studies in Peking University. She gives a fixed sum for his living expenses every month to let him know how to manage money.
In the past: On the first day of each month, Madame Zhao goes to ICBC to transfer a sum to her son's Peony Money Link Card.
Now: Through this service, ICBC will transfer a specified amount to her son's account on the first day of each month. Madame Zhao does not need to go to the bank every month any more.
　　☆ 服务案例
　　1. 固定周期型自动转账
　　赵女士，北京某公司副总裁，她的儿子就读于北京大学，为了培养孩子的理财观念，她每月定时给孩子提供生活费。
　　过去：每月1日到银行向儿子的牡丹灵通卡上转入每月生活费。现在：通过办理“固定周期型自动转账”，银行将在每月1日从赵女士的账户向她儿子的账户转入指定金额的生活费，赵女士再也不用月月跑银行了。

II. Auto-transfer – Balance top-up
Mr. Zhang a typical family where income entirely comes from Mr. Zhang's salary and bonus, and Madame Zhang, as a full-housewife, takes care of all the expenditure. Mr. Zhang, in consideration of safety and convenience, applies a Peony Money Link Card for his wife as the expense account of the family. He wants to always have a balance of around RMB10, 000 in this card to make sure his wife can have money to spend and withdraw in cash.
In the past: Mr. Zhang and Madame Zhang have always to check the balance of Peony Money Link Card. When balance below RMB 10,000, Mr. Zhang has to go to the bank to transfer money from his payroll account.
Now: Through this service, ICBC checks the spending account in Madame Zhang's Peony Money Link Card each day. When the money in the account is less than RMB 10,000, ICBC automatically transfers a certain sum from an account specified by Mr. Zhang to make up the shortfall.
　　2. 余额补足型自动转账
　　张先生家庭属于典型的“收支两条线”：全家的收入来源于张先生的工资和奖金，而作为全职太太的张太太则主管全家的消费支出。出于安全和方便考虑，张先生专门为太太办理了一张牡丹灵通卡作为全家的消费账户，他希望这张卡上的余额保持在10000元左右，以满足张太太日常刷卡消费和取现需要。
　　过去：张先生和太太经常需要检查牡丹灵通卡的余额，在余额低于10000元的时候需要到银行从张先生的工资账户转账。
　　现在：张先生通过办理“余额补足型自动转账”，银行将每天检查张太太牡丹灵通卡的消费账户，当消费账户资金低于10000元时，银行将自动从张先生指定的账户中划入一定金额补足消费账户。

III. Auto-transfer – Trigger
Mr. Ding, Professional writer, monthly income is about RMB 20,000. A special current account is opened under Elite Club Account to receive money from publisher and magazine house.
In the past: Mr. Ding too busy to manage his idle fund. Large amount of income stood still in current account. Every 6 months, he will transfer all his income to deposit as 1-year fixed deposit. Assume Mr. Ding collects his income on the first and fifteenth day of each month, RMB 10,000 each time. From January 1 till July 1, interest on his income will be: 10000*0.72*80％/24*(12+11+……+1)= RMB 187.2.
Now: Through this service, ICBC will automatically check Mr. Ding's receiving account each day. Once money in the account is over the specified amount, ICBC automatically transfers the exceeded amount to deposit as 1-year fixed deposit. Now Mr. Ding's income will be automatically transferred and deposited as 1-year fixed deposit on the day of income credited into account. Interest accrued on 6 months' income will be: 10000*2.25*80％/24*(12+11+……+1)= RMB585, 3.125 times of before.
　　3. 起点触发型自动转账
　　丁先生，专职作家，每月的稿费收入将近2万元，在理财金账户卡内开立了专门的活期账户用来收取出版社和杂志社的稿费。
　　过去：由于写作繁忙，丁先生没有时间打理自己的闲置资金，大量的稿费收入都在活期账户里面趴着，他一般半年才会把稿费收入转为一年期的定期存款。假设丁先生稿费收入日为每月1日和15日，每次收入1万元，则从1月1日至7月1日，他的稿费收入的利息为：10000*0.72*80％/24*（12+11+……+1）＝187.2元。
　　现在：丁先生通过办理“起点触发型自动转账”，银行将自动每天检查丁先生的收款账户，当收款账户资金超出过指定金额时，银行自动将超出金额转存为一年期的定期存款。现在丁先生的稿费收入在入账当天即自动转为一年期定期存款，半年内的稿费收入利息为： 10000*2.25*80％/24*（12+11+……+1）＝585元，是以前的3.125倍。

☆ Service Channel
At ICBC business offices, through Internet Banking.
　　☆ 服务渠道
　　营业网点、网上银行。