Visible Certificates are registered and the holders of these can report any loss directly to the bank. Also, they can be cashed in advance, before the maturity is up.

凭证式国債是记名式的，持有人可以直接向银行挂失。此外，此种国债可以在到期之前提前兑现。

For a start, students could well find themselves in need of cash in advance of loans or grants being paid, so an account with a suitable overdraft facility and a bank that understands the problems are vital.

开始，学生很可能发现，自己在申请得到贷款或助学金前就很需要现金，所以一个有合适透支额度的账户和一家理解学生实际问题的银行是极其重要的。