银行实用英语手册.doc

本文档由【中文word文档库】提供，转载分发敬请保留本信息；中文word文档库免费提供海量范文、教育、学习、政策、报告和经济类word文档。word文档1.手册名称应为：银行英语实用学习手册，相应地英文翻译也要修改！银行英语翻译成“Bank of English”不正确！2.我的名字写错啦！CONTENTS Unit 1 About banking page 6 Banks ProfileBanking System of in ChinaUnit 2 General terms of Bank page 10 Bank terminology explained Oral English for Banking EnglishOperation of the general process of dialogue with customersInternet bankingUnit 3 Brief information of on banks enterprises in Wenzhou page30Unit 4 The international current trends page36Unit 5 Index page42Free talk of bankName list of world currencyFamous banks around the world (English-Chinese) Terms (这个还没有吗？)银行实用英文手册Bank of English Practical Manual一、 关于银行 About banking1 银行的简介 Banks Profile. 2 中国的银行体系 Banking System of in China二、 银行一般用语（以中国工商银行为例）General terms of Bank (Industrial and Commercial Bank of China) 1银行术语解释 Bank terminology explained.2银行口语Oral Banking English Oral English for Bank3客户操作一般过程对话 Operation of the general process of dialogue with customers(翻译不正确,请重新翻译)4网上银行 Internet banking三、 温州地区银行业的情况介绍和信息资料Brief information of on banks enterprises in Wenzhou四、 当前国际上的该领域最新动态The international current trends 五、附录Index 漫话银行Free talk of bank 世界货币名称一览表 Name list of world currencies 英汉对照世界著名银行Famous banks around the world (English-Chinese) IV 银行表格术语 (What about its English?) 一、 关于银行1.1.1 The history of BankIt came from the Italy ward Banca. The original meaning is benches or chairs. At first, people used it as tool of money exchange of for businessman businessmen in the market. GenerallyGradually, things change. The word Banca turns to Bank, and social accept finally（这样翻译可以吗？social解释为社会时是形容词）. 银行的历史银行这一词来源于意大利词，其原意是指长凳或椅子。最早的时候，人们把它用作货币兑换商在市场上的工具。后来逐渐的改变，单词Banca 英语逐渐地转变为bank，并被广泛接受。1.1.2 Development of Bank in ChinaChinese financial institutions were conducting all major banking functions, including the acceptance of deposits, the making of loans, issuing notes, money exchange, and long-distance remittance of money by the Song Dynasty (960-1279). In 1024, the first paper currency was issued by the state in Sichuan. The institutions of piaohao and qianzhuang more often cooperated than competed in Chinas financial market.中国银行的发展中国金融机构在宋朝（960-1279）就已经掌握重要的银行功能，包括接受存款，借贷款，出立票据，兑换银票，远距离汇款。第一张纸质的货币于1024年在四川发行。像这些机构票号和钱庄在中国的金融市场上相互合作比竞争要多在中国的金融市场上。Currency definition and functionMoney is a historical category, and it produces in last stage of primitive society. With more than 5 thousand years history, currency has itself own colorful culture. Money is often defined in terms of the five functions or services that it provides. Money serves as a medium of exchange, as a store of value, and as a unit of account, standard of deferred payment, world currency. 货币的定义和职能钱具有历史范畴，它产生于原始社会的最后一个阶段。货币富有多姿多彩的文化，有5千年的历史。货币被定义提供5基本职能，：交换媒介，贮藏价值，价格单位，支付手段，世界货币。1.2中国银行体系中国银行体系是中国人民银行为领导，国有独资商业银行为主体，国家政策性银行和其他商业银行同时并存、分工协作的体系。Chinese banking systemChinas banking system is the peoples bank of china, for the leadership of the wholly state-owned commercial banks as the state of policy-oriented banks and other commercial banks exist side by side, the system of collaborative. 你上文的翻译还是不正确哦，你仔细看看。这句话的意思是：中国银行体系是一个体系，在这个体系里，中国人民银行是领导，国有独资商业银行为是主体，国家政策性银行和其他商业银行同时并存、分工协作。使用定语从句或用and，with来连接句子结构会清晰一点。1.2.1中国人民银行中国人民银行是中国的中央银行，负责制定和执行国家的金融政策，调节货币流通与信用活动。Peoples Bank of ChinaAs the central bank, the Peoples Bank of China has sole responsibility for issuing currency and controlling the money supply, as well as regulating currency circulation and credit activities.1.2.2、商业银行 商业银行体系由独资国有商业银行、其他股份制商业银行和外资商业银行。Commercial Bank Commercial bank system is made up with solely state-owned commercial banks, other joint-stock commercial banks and foreign commercial banks.1.2.3、政策性银行 从1994年起，组建了3家政策性银行，即国家开发银行、中国农业发展银行及中国进出口银行。 Policy banks From 1994 to set up a family of operating non-commercial banks, namely, the state development bank, the agricultural development bank of china, import and export bank.(to set up前面连主语都没有，改成被动好一点：Since 1994, three policy banks have been set up ,namely)目前商业银行体系为：1、工、农、中、建四大国有商业银行体系；2、交通、中信、光大、华夏、招商、民生等11家股份制商业银行体系3、上海银行、北京银行、渤海银行、浙商银行等区域辐射和鲜明个性化的商业银行体系4、全国112个城市商业银行；5、外资银行、合资银行；The current commercial bank system:1. Industrial and Commercial Bank, Agricultural Bank, Bank of China and Construction Bank are four state-owned commercial banking systems.2. Bank of Communications, CITIC Bank, China Ever bright Bank, Huaxia Bank China Merchants Bank, MinSheng Bank and 11 joint-stock commercial banking system,3. Shanghai Bank, Beijing Bank, Bohai Bank and the Zhejiang region of radiation and distinctive banking and other personalized commercial banking system personalized.4. 112 city commercial banks all around of China.5. Foreign banks, joint venture banks.1.3 The organization chart of a Bank银行的组织机构图Chief Administrative Officers (including the Board Chairman and President or CEO)Lending DivisionAccounting and Operations DivisionFund-Raising and Marketing DivisionTrust DivisionCommercial Loan OfficersAccounting and Audit DepartmentConsumer Loan OfficersOperationsTellersNew AccountsPersonal TrustsBusiness TrustsAdvertising and Planning二、 银行一般用语2.1银行术语支票薄 cheque book支票陈票人 cheque drawer持票人 cheque holder不记名支票 cheque to bearer | bearer cheque记名支票| 认人支票 cheque to order到期支票 antedated cheque未到期支票 postdated cheque保付支票 certified cheque未获兑现支票，退票 returned cheque横线支票 crossed cheque普通横线 general crossing特别横线 special crossing空白支票 blank cheque失效支票，过期支票 stale cheque普通支票 open cheque打10%折扣的10000元支票，(即9000元) a cheque for $10,000, less 10% discount清理票款 to clear a cheque保证兑现 to certify a cheque填写支票数额 to fill up a cheque支票上划线 to cross a cheque签发支票，开立支票 to draw a cheque | to issue a cheque透支支票 to overdraw a cheque 请付票款| 清付票款 to pay a cheque | to honor a cheque支票退票 to dishonor a cheque拒付支票 to refuse a cheque拒付支票 to stop payment of a cheque提示要求付款 to present for payment见票即付持票人 payable to bearer支付指定人 payable to order已过期|无效 out of date | stale请给出票人 R/D| refer to drawer存款不足 N/S|N.S.F.| not sufficient funds| I/F | insufficient funds文字与数字不一致 words and figures differ更改处应加盖印章 alterations require initials交换时间已过 effects not cleared停止付款 payment stopped支票毁损 cheque mutilated国内汇票 inland Bill即期汇票 sight bill | bill on demand. 日后付款 . days after date |. days after date. 月后付款 . months after date |. months after date见票后. 日付款 . days after sight |. days sight见票后. 月付款 . months after sight|. months sight同组票据 set of bills单张汇票 sola of exchange | sole of exchange逾期汇票 overdue bill宽限日期 days of grace电汇 telegraphic transfer (T.T)邮汇 postal order | postal note (Am.) | post office Order | money order本票 promissory note (P/N)押汇负责书|押汇保证书 letter of hypothecation副保|抵押品|附属担保物 collateral security担保书 trust receipt | letter of indemnity承兑|认付 acceptance单张承兑 general acceptance有条件承兑 qualified acceptance附条件认付 conditional acceptance部分认付 partial acceptance拒付|退票 dishonor拒绝承兑而退票 dishonor by non-acceptance提交 presentation背书 endorsement| indorsement托收 collection新汇票|再兑换汇票 re-exchange | re-draft外汇交易 exchange dealing | exchange deals汇兑合约 exchange contract外汇行情 exchange quotation交易行情表 course of exchange | exchange table汇价|兑换率 exchange rate | rate of exchange官方汇率 official rate挂牌汇率|名义汇率 nominal rate现汇汇率 spot rate兑现率|兑现汇率 demand rate私人汇票折扣率 rate on a private bill远期汇票兑换率 forward rate收到汇款 to receive remittance填写收据 to make out a receipt 账目编号 account number存户 depositor 存款单 pay-in slip 存款单 a deposit form自动存取机 a banding machine存款 to deposit 存款收据 deposit receipt 私人存款 private deposits存单 certificate of deposit 存折 deposit book, passbook信用卡 credit card本金 principal 透支 overdraft, overdraw双签 to counter sign 背书 to endorse 兑现 to cash 兑付 to honor a cheque 拒付 to dishonor a cheque止付 to suspend payment支票 cheque, check未付支票 outstanding cheque 已付支票 canceled cheque伪支票 forged cheque 庄票，银票 Bandars note储蓄银行 savings bank 大通银行 Chase Bank花旗银行 National City Bank of New York 汇丰银行 Hong Kong Shanghai Banking Corporation麦加利银行 Chartered Bank of India, Australia and China东方汇理银行 Banquet de IIndoChine中央银行 Central bank, national bank, bankers bank（这几个银行还是放在后面的世界著名银行列表里吧，如果没多少名气就删除）发行币银行 bank of issue, bank of circulation商业银行，储蓄信贷银行 commercial bank 储蓄信贷银行 member bank, credit bank贴现银行 discount bank汇兑银行 exchange bank委托开证银行 requesting bank 开证银行 issuing bank, opening bank通知银行 advising bank, notifying bank议付银行 negotiation bank保兑银行 confirming bank付款银行 paying bank代收银行 associate banker of collection委托银行 consigned banker of collection清算银行 clearing bank本地银行 local bank国内银行 domestic bank国外银行 overseas bank钱庄 unincorporated bank银行分行 branch bank信托储蓄银行 trustee savings bank 信托公司 trust company金融信托公司 financial trust信托投资公司 unit trust银行的信托部 trust institution银行的信用部 credit department商业信贷公司（贴现公司） commercial credit company(discount company)街道储蓄所 neighborhood savings bank, bank of deposit合作银行 credit union商业兴信所 credit bureau无人银行 self-service bank土地银行 land bank交通银行 bank of communications互助储蓄银行 mutual savings bank邮局储蓄银行 post office savings bank抵押银行 mortgage bank, building society实业银行 industrial bank家宅贷款银行 home loan bank特许银行 chartered bank往来银行 corresponding bank承兑银行 merchant bank, accepting bank投资银行 investment bank进出口银行 import and export bank (EXIMBANK)合资银行 joint venture bank钱庄 money shop, native bank营业时间 banking hours, business hours 2.2银行口语2.2.1新开账户（句子前请编号1.2.3）What kind of account did you have in your mind? 你想开哪种账户? Do you like to open a current account? 你想开一个活期存款账户吗? A deposit or current account? 定期还是活期?Please tell me how you would like to deposit your money. 请告诉我你想存何种户头？Theres a service charge for the checking account but no charge for the savings.支票户头要收服务费，现金户头不收。Our minimum deposit for a savings account is 100 dollars. 我们储蓄存款的最低存款额是100美圆。Five Yuan is the minimum original deposit. 最低起存款额是5元。You can open a savings account at any time with an initial deposit of 50 dollars.你可随时以50美圆的起存额开立储蓄账户。Even one Yuan is all right. 甚至一元也可以起存。Here is your passbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it. 这是你的存折，存取款时请带来。保管好存折，遗失请告诉我们。I should like to open a current account.我想开一个活期存款账户。I need a checking account so that I can pay my bill.我需开个支票账户，这样就能付账。Wed like to know how we open a checking-savings account. 我们想知道如何开一个支票储蓄账户。I have a checking account here.我在这里有一个支票存款账户。I think Id like a deposit account.我想要开个定期存款账户。Can I open a current account here? 我能否在这儿开个活期存款账户？I want to open a deposit account with you.我要开个储蓄账户。Id like to open a deposit account with you.我想在你们这儿开个定期存款账户。Could you tell me the difference between a savings account and a checking account? 请告诉我储蓄存款与支票存款的区别好吗？Please tell me the procedure for opening a savings account.请告诉我开个储蓄账户需要什么手续。Will 100 Yuan be enough for a minimum deposit? 100元作最低存款额够吗？Id like to know whether a 200 Yuan deposit will be enough for opening a checking account.我想知道开一个支票账户200元存款是否够。Could you tell me how to operate this account?请告诉我如何经管这个账户好吗？Is there any minimum for the first deposit? 第一次储蓄有最低限额吗？How much does each account cost? 每个账户要花多少钱？ 2.2.2兑换货币口语Can you change me some money, please?能否请你给我兑换一些钱？Please tell me how much you want to change.请告诉我你要换多.Can you change me some money, please?能否请你给我兑换一些钱？How much of the remittance do you want to convert into Japanese yen?你要把多少汇款换成日圆？What kind of currency do you want?要哪种货币？Whats it you wish to change?你有什么要换的？In what denominations?要什么面值的？Please tell me what note you want.请告诉我要什么钞票。Will seven tens be all right?7张10元的可以吗？Would you kindly sign the exchange form, giving your name and address?请在兑换单上签字，写出你的姓名和地址，好吗？Here it is some French francs, Swiss francs, American dollars and a few Dutch guilders.这些就是：一些法国法郎，瑞士法郎，美圆和一些荷兰盾。Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change?请你给我7张5镑纸币，4张1镑纸币，4张10先令纸币，剩下的要零票。 Id like to know if you could change this money back into U.S. dollars for me.我想知道能否把这笔兑回成美圆。Id like to convert the full amount of the remittance into U.S. dollars.我想把全部汇款换成美圆。Id like some coins for this note.我想把这张纸币换成硬币。Id like to break this 50 dollar note.我想把这张50美圆纸币换开。I need 300 dollars in 100-dollar cheques.我要300美圆票面为100美圆的支票。Could you give me some small notes?给我一些小票好吗？I hope youll give me ten travelers cheques of 100 dollars each.我希望给我10张面额为100美圆的旅行支票。2.2.3存款口语How much do you want to deposit with us?你想在我们这存多少？How much money do you plan to keep in your account on a regular basis?你计划在你的户头上定期存放多少钱？I think you may deposit your money with the bank, or leave it here for temporary safe-keeping.我认为你可把钱存入银行，或留在银行暂保管起来。Would you please fill in t