金融英语口语.doc

上学吧（）金融英语口语：如何汇报你的工作进度1. Hows the project going? 项目进展得怎么样？ 2. Great! Were way ahead of schedule. 非常好！我们要提前完工了。 3. Were right on target. 我们正按计划进行。 4. Well, frankly, were running a little behind. 坦白地说，我们有点落后了。 5. Folks, were behind the eight-ballin meeting our sales target. Lets speed things up. 兄弟们，我们都快完不成销售目标了。我们得抓紧啊。 6. Its 70% done. 已经完成70了。 7. Itll be completed on time. 会按时完成的。 8. Were halfway there. 我们已经完成一半了。 9. Have the milestones been identified for the new project? 新项目的关键活动都已经确定了吗？ 10. What delivery date are we looking at? 什么时候交货？ 11. There must be no further delays. The drop-dead date/deadline is next Fridays close of business. 不能再推迟了，最后期限是下周五下班的时候。 12. Were approaching the critical point for success or failure of this project.金融英语口语：几个描述经济情况的句子How can we make the economy more vibrant? 我们怎样才能使经济更有活力? Inflation leads to more unemployment. 通货膨胀导致更多人失业. Inflation hurts the poor more than the rich. 通货膨胀伤害的是穷人而不是富人. They havent done anything to stimulate new jobs. 他们没有做过任何能刺激新的就业机会的事情. What about inflation? 如果出现通货膨胀怎么办? We need more jobs. 我们需要更多的就业机会. Were headed for a recession. 我们正走向衰退. The trade deficit is getting larger. 贸易赤字越来越大金融英语口语：Trade FinanceNew Words新单词multinationaladj.跨国的subsidiary adj.附属的irrevocable adj.不可撤销的confirm v.确认，使有效circumstances n.情况，环境confront v.面对Phrases & Expressionsclearing bank清算银行documentary collection跟单托收D:Hi, Roy. How are your things going?马：嗨，罗伊，近来一切都好吗？R:Fine. Everything is going smoothly.R：好，挺好。一切进展顺利。D:This is Miss Harriet Smith, finance manager of A & P Corporation.马：这位是哈里.史密斯先生，A$P公司的财务经理。This is Mr. Roy Stanford.这位是罗伊.斯坦福先生。H:How do you do?史：您好！R:How do you do? I work in the international trade and banking division.斯：您好！我在国际贸易与银行业务部任职。As you know, were very much involved with many large American corporations dealing with international trade.我们参与许多美国大公司的国际贸易事务。H:Yeah. Thats why I come here this afternoon.斯：是啊，这正是我今天下午此行的目的。R:What were doing is actively and hopefully developing a relationship with large companies including their subsidiaries or branches to ensure that we can provide all services they need.斯：我们正在积极乐观地与大公司以及它们的子公司或分支机构建立业务联系，以确保我们向他们提供各项服务。H:Would you please be more specific?史：请您具体谈谈。R:Sure. We handle all types of letters of credit, and also advise if they should be irrevocable,斯：可以，我们操作各类信用证，并且提供相应的咨询-例如建议哪些应做不可撤销信用证，whether they should be confirmed, whether we would recommend them in certain circumstances.哪些信用证应确认，有些时候，我还要推荐适当的信用证。And of course, we deal with documentary collections and so on.当然，我们也处理单据托收。H:So your division is to ensure that its customers receive payment for the goods they expect.史：因此，你们部负责确保客户及时收到贷款。R:Thats where we can help an exporter like your corporate.斯：对，是这样。我们可以在托收贷款方面为像你们这样的大公司提供服务。You see, it can happen any time that an exporter has to wait two or even three years before they are able to obtain their money after they ship goods to a buyer abroad.你想，有时候，出口商向国外发货以后，要等到二年，甚至三年以后才能拿到贷款。这样不愉快的事时有发生。It could be of any reason. Thats why we always hear people say that exporting is easy;原因可以是各种各样的，因此我们经常可以听到这样的牢骚：出口容易，its getting paid thats the hard part.要钱难。H:Im afraid its the case we sometimes have to confront.史：恐怕，我们公司也会不时地面临这种尴尬的局面。R:But of course, were not all the time selling a service.R：当然，我们部并不总是客户推销我们的服务。A lot of the time we give advice and solve problems to our customers.大部分时间，我们给客户一些参考意见并帮他们解决实际问题。H:Whats a typical problem that you would expect a customer to come to you about?史：一般情况下，客户会带着什么问题来向你们咨询呢？R:For example, just recently we had one with a contract that was signed to supply some machinery to a company in France.斯：就拿最近的例子来说吧。我们处理了一个向法国提供机械的合同。H:What happened? And what role did you play?史：怎么啦？你们在其中又扮演了什么角色？R:The contract was originally drawn in USD, but the French company was not permitted to cover forward for any length of time.斯：当初签合同时，是以美元为计算单位的。但那家法国公司无权做任何时间范围内的期货交易，They would have to buy the necessary USD to pay the bill.他们又必须买进一定数目的美元付帐。H:I see.史：噢！R:So we bought currency for the customer and our customer could then work out his price in French francs instead of US dollars.斯：于是我们为这家法国客户买进了美元，这样他们就可以用法郎而不是美元来计算货款了。H:Fine. OK, I think weve covered everything now, havent we?史：好，我想我俩已谈得很详尽了。R:Yes, I think so. It was good of you to see me.斯：是啊！很高兴您来与我们商洽。H:My pleasure. Thank you for answering me so many questions.史：我也感到很愉快。谢谢您解答了我不少的疑问。Im sure well buy your service in the near future.我敢肯定，不久的将来，我们就要来“买”你们的服务项目了。R:Thank you.斯：谢谢。金融英语口语:TimeDepositNew Words新单词anxious adj.担心的，焦急的available adj.可用的，可得到的option n.选择权maturity n.（票据等的）到期emergency n.紧急mature v.到期Phrases & Expressions短语regular savings account普通储蓄帐户time deposit定期存款time certificate of deposit定期存款单the stated interest return规定所归还的利息W:Liu Bing, I have two thousand yuan for the cost of this term,王琳：刘萍，我从家带来2000元供这一学期的生活费，enough to last from now until summer vacation.维持到暑假看来已足够。I feel anxious about carrying around such a large sum. What should I do?带着这么多钱我觉得不放心，我该怎么办？00:34.95L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.刘萍：让我想想。你可以拿其中一半作为活期存款，另一半作为定期存款。W:Thats a good idea. Will they earn a similar rate?王琳：这主意很好。那么存款利率是否一样呢？L:The interest rate for time deposits is much higher than regular savings account.刘萍：定期存款的利率要比活期存款高得多。W:How long do I have to keep the money in the account?王琳：那么我的定期存款应该多长呢？L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.刘萍：储蓄所在在大多数情况下备有三种定期存款，即分三个月，半年和一年。They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.另外，他们还提供2年，3年，5年或10年的长期定期存款。W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?王：对我们来说，短期存款合适。是否存款时间越长利率也就越高呢？L:Yes, of course. It would seem that three month time deposits are the best option for you.刘：是的，那当然啦。看来对你来说三个月的定期存款是最好的选择。W:I agree with you. Tomorrow, lets go to the bank to deposit my money.王：我同意你的看法，明天咱们俩就去银行存款。L:Yes, I want to deposit mine, too.刘：好，我自己也要去存款。W:What maturities are the most popular?王琳：哪一种期限最普遍？L:Most people use the six or twelve-months plans, of course,L：大部分人都选用半年或一年的期限。当然啦，they may renew the certificate on maturity if they wish.到期后人们还可以续存。W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?王：假如存款人由于急用要提前取款，那又如何处理呢？他能否把款提出呢？L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.刘：当然可以，在必要的情况下可以在到期之前提前取款。W:What will happen?王：那情况会怎样？L:He just wont receive the stated interest return.刘：他就不能拿到预先规定的定期利息。W:What a loss!王：那真可惜！L:So if you want to have a high rate of return, dont withdraw your cash before the end of the certificated period.刘萍：所以你想要获得较高的利息就不要在到期之前提取存款。W:Good idea.王：好主意。金融英语口语：The HistoryNew Words新单词Babylon n.巴比伦(古代巴比伦王国首都)temple n.庙宇，专供某种活动场所(the) Renaissance n.文艺复兴，ancient adj.古代的Greece n.希腊breakup n.分裂，崩溃decline n.下降，衰落usury n.高利贷，高利illegal adj.不合法的；非法的Belgium n.比利时function n.功能，作用complex adj.复杂的especially adv.特别地expand v.扩大partially adv.部分地Venice n.威尼斯(意大利港市)semi-public adj.半公立的Phrases & ExpressionsRoman Empire罗马帝国emerge from出现，冒出feudal system封建体制Middle Ages中世纪bill of exchange汇票regulatory function常规作用Z:Good afternoon!张：下午好！A:Good afternoon!全体：下午好！Z:Today Ill introduce something about the history of banking in the west.张：今天我要讲点西方银行史。Well, thats very interesting, the earliest banks started in Babylon almost 4 000 years ago.这是很有意思的，最早的银行大约是四千年前在巴比伦建立的。They were really temples which collected deposits and made loans.实际上，那些银行只是一种收集存款并进行的放款的场所。S1:I see, but I had always thought that banking started during the Renaissance in Europe.学1：我明白了，但我原来一直以为银行业务始于欧洲文艺复兴时期。N:No, it was much earlier than that. Then, there were banks in ancient Greece and Rome, too.周：不，比那个时期早多了。古希腊和罗马都有许多银行，It wasnt until the breakup of the Roman Empire and the decline in trade and commercial transactions that banking lost its previous importance.直到罗马帝崩溃和商贸业务的衰落，银行业才失去了它以往的重要性。S2:What about the laws against usury during the Middle Ages?学2：中世纪时，放禁止放高利贷是怎么回事？Didnt such laws make it illegal to charge interest on loans?这些法律没有规定贷款收取利息是非法的吗？Z:Yes, they did, but these laws were gradually changed during the 14th and 15th centuries and banking functions started appearing again in Italy and Belgium and later in France,周：是的，规定了，但是这些法律在14，15世纪时逐步地改变了，银行的作用又在意大利和比利时开始出现，后来又在法国，Germany and England.德国和英国。S3:So we can really say that banking restarted during the Renaissance.学3：所以实际上我们可以说，银行业在文艺复兴时期又重新开始了。Z:You are right. We can easily see the need for the development of the banks during that period.张：对的。显而易见，银行的发展正是出于那个时期的需要。当欧洲从中世纪封建制度的禁锢中挣脱出来时，Commercial and financial transactions had once again started to become more complex as Europe emerged from the feudal system of the Middle Ages.商业和金融交易再一次开始变得复杂起来了。S4:Could you tell us more in detail?学4：您能说得再具体些吗？Z:Yeah. For one thing, many banks started that way, especially in France and England,周：是的。一方面很多银行就是这样兴起的，特别是在法国和英国。but they gradually expanded their activities to handling deposits and loans,可是他们逐渐地扩展他们的经营活动，发展到从事储蓄，贷款，issuing and trading bills of exchange and even issuing their own notes;发行和买卖汇票，甚至发行他们自己的货币。for another thing, they started the fractional reserve system which is the central feature of modern banks.另一方面他们开始建立起部分储备制度，而这一点正是现代银行的主要特征。S5:When did the idea of central banks get started?学5：建立中央银行的想法是什么时候开始的？Z:Well, the first bank that was partially owned and controlled by a state government was established in Venice in 1587.张：哦，第一个由国家政府部分拥有和控制的银行是1587年在威尼斯建立起来的。Then, the bank of England appeared. We could call them semi-public.后来英格兰银行出现。我们称这种银行为半公立银行。As a matter of fact, the central banks with specific regulatory functions were created in the middle of 19th century. OK, we call it a day.事实上在19世纪中叶具有明确常规作用的中央银行已建立起来。好吧！下课。A:Good-bye!全：再见！金融英语口语:SHALLNew Words新单词teller n.出纳员director n.主任collate v.核对shall用于第二，三人称表示说话人的许诺accompany v.伴随。陪同arrange v.安排result n.结果，成果sharp adv.正Phrases & Expressions短语accompany us on the piano用钢琴给我们伴奏profit-sharing得益分配1.Shall I make you a cup of coffee before the interview?在接见前我给你来一杯咖啡好吗？-Yes, thank you very much.行，非常感谢你。2.Shall I call the teller?要不要我去把出纳员叫来？-Yes, if she is free, please ask her to come here now.好，假如她现在有空，请她来一下。3.Shall we wait for the reply today?3.我们今天能等到答复吗？-Yes, our director says he will reply in half an hour.能，我们的主任说半个小时之后答复你们。4.Shall we collate the accounts today?4.今天我们要核对帐目吗？-Please do it as quickly as possible.请尽快核对。5.Shall I ask him?5.要我去请他吗？-Yes, please tell him to join us this evening.是的，请你告诉他今晚来参加。6.Shall those goods from abroad be sent to you at once?6.从国外运来的那些货物要不要马上送到你们那儿？-No, thats not necessary. I will come and take a look myself.没有必要，我将亲自来看一看。7.Shall she sing for us?7.她能为我们唱一支歌吗？-Yes, why not?当然可以。8.Shall we ask her to accompany us on the piano?8.我们去请她给我们用钢琴伴奏好吗？-Yes, piano accompaniment will add a lot to our singing.是，我们唱歌请她用钢琴伴奏效果更好。9.Shall we send these old computers to the store?9.我们要不要把这些陈旧的计算机放到仓库里去？-Sure, please arrange it.行，请你安排一下。10.Shall I phone you tonight?10.今天晚上要不要我给你打电话？-Yes, Id like to hear the result of the negotiation.要，我想听一听谈判的结果。11.We shall discuss profit-sharing, shant we?11.我们将讨论利润分配，是不是？-Yes, its very important.是，这很重要。12.Lets meet at the station, shall we?12.我们在车站会面，行不行？-Yes, wed better meet at six sharp this evening.行，我们最好今晚6点整在车站见面。金融英语口语：Money(1)New Words新单词campus n.校园sinkv.使陷入，使沉浸importance n.重要性power n.力量,权力gold n.金silver n.银coper n.铜nickel n.镍aluminium n.铝alloy n.合金depict v.描绘commemorative adj.纪念性的mint v.铸造A:Today is such a fine spring day, lets take a walk after lunch.A：今天真是美好的春天，阳光明媚。咱们午饭后去散散步吧！B:Good idea. Lets go now.B：好，走吧。A:Do you feel ourselves being sunk bit by bit in a sea of money,A：你是否有这样一种态度，我们日复一日地正被浸泡在金钱中，but we cant earn as much as accountants do.但我们不可能挣得像会计师那么多。B:Yes, but what can we do to make money?B：是啊，但假如我们要赚钱，那我们该去做什么呢？A:I think its too early to think about it now. There is no one who doesnt like money.A：我想这个问题现在考虑为时过早。世上无人不喜欢金钱。B:Including us.B：也包括我们。A :Ha, Ha, Ha, Ha!(laughing)A：哈，哈，哈，哈！ B:Still in our daily life, I feel the importance of money and we know the power of it and will be dealing with money every day.B：在日常生活中，我感到金钱的重要性，我们都知道金钱的能量，几乎天天要同钱打交道。A:Do you know all the uses of the word money?A：你知道“money”这个词的全部用法吗？B:No.B：不知道。A:Does the word money usually mean the bills we use every day to buy something?A：“money”这个词的含意是否指的是我们天天用来买东西的钞票吗？B:Only bills?B：仅仅是指钞票吗？A:No, money is in two kinds, one is hard currency money and the other is paper.A：不，货币有两种，硬的货币和纸做的货币，The former is called coins, a coin may be made of gold, silver, copper, aluminium.前者称为硬币，硬币可由于金，银，铜，镍和铝等金属铸成，usually metals are used as alloy.一般都用作合金铸造硬币。B:In the museums we can see that Chinese copper money had a long history.B：在博物馆里我们可以看到中国使用的铜币具有很悠久的历史。A:Yes, the form of them changed. Copper coins were in use until Kuomintang time when the coin became round,确实如此，但铜币的形式在过去也在不断变化，我国的铜币一直使用到国民党时代，这时铜币成了圆形，rather than having the square hole in the middle as in the Ching and Ming Dynasties.不再像清明两代用的铜币中间留有一个方形空洞。B:How many kinds of coins were used then?B：国民党时代的硬币有几种？A:My grandfather told me that when he was young, there were four kinds:A：我的祖父告诉我说，在他小的时候当时有4种硬币流通，a silver coin called yuan, on which was the head of Yuan Shikai and the other depicted Sun Yat-sen.第一种是一元的银币，上面印铸有袁世凯的头像，另一种是印铸有孙中山的头像，The people called them Yuan big head and Sun big head in Chinese.人们把这两种硬币叫作袁大头和孙大头。The second was a 20-cent coin made of silver alloy.第二种硬币是两角的合金银币。The third was a one-cent copper coin and my grandfather told me that he used another kind of copper coin to buy sweets.第三种是一分钱的铜币。爷爷还告诉我他当时还用另一种铜币买糖吃。B:What was its value?B：那这种铜币价值多大？A:A one-cent copper coin could be exchanged for three copper coins.A：当时一分铜可兑换三枚“铜板”。B:How different from today! Nowadays there are six kinds of currency.B：这同今天我们使用的硬币大不一样！今天我国市场上流通的有6种。The first is the one yuan coin, then fifty-cent piece, ten-cent piece, a five-cent piece,第一种是一元硬币，其次是五角硬币，一角，五分，two-cent piece and the smallest is the one-cent coin. Only the fifty-cent piece is golden in colour.二分和最小值的一分硬币。其中只有五角硬币呈金黄色。A:Very well! But have you ever seen other kinds of big round gold coins?A：很对，但你可见到过另外发行的大而圆的金币吗？B:No, I have not seen them.B：我还没有见过。A:They are commemorative coins, one in honour of the world famous giant pandas,A：那是纪念币，一种是世界闻名的大熊猫命名的，which live only in China, so China minted a Giant Panda Gold Coin.这种动物仅生活在中国，所以我国专业些铸造大熊猫金币。The other is in honour of the XI Asian Games, China produced this special big gold coin to commemorate the holding of the XI Asian Games in China.另一种是以十一届亚运会命名的大金币，为纪念该届亚运会在中国的召开。It is worth fifty yuan and foreigners collect them.它值50元人民币。供外宾收藏。B:What a pity I havent seen them!B：没有亲眼目睹，真可惜！A:Yes. Few Chinese has interest in these coins.A：在中国仅有少数人对这两种金币发生兴趣。金融英语口语：Money(2)New Words新单词buck n.元greenback n.美钞dough n.(美俚)钱assistant n.售货员changen.找头，零钱sovereign adj.独立自主的uncountableadj.不可数的mare n.母马，牝驴Phrases & Expressions短语public money公款tax money税款A:Now lets talk about paper money.A：现在我们来谈谈纸币吧。B:Yes, paper money can be folded into a wallet. Every country produces its own.B：好，纸币可以折叠放进钱包。每个国家都印制纸币。A:Another term for paper money is note or banknote, we say a five-yuan note,A：纸币的另一种叫法是钞票，我们一般讲一张五元的钞票，a twenty-cent note. In American English, bill is another term.一张两角的钞票。美国英语把钞票叫Bill。美国俚语中叫钞票的词更多，In American slang you may hear a hundred dollar bill or a buck as ten bucks or greenback or long green(folding green) or folding money.我们到听到一百元美钞，一元，十元，以及greenback ，long green（folding green ），folding money等钞票的各种说法。B:How complex it is!B：多复杂啊！A:Yes, wed better understand these terms when we deal with Americans.A：是很复杂，我们在同美国人交往中最好还是要知道这些叫法。B:Whats cash?B：什么是现金？A:Cash is really a common term including everything - currency, coins, paper money.A：现金是对流通货币，硬币，钞票的共同叫法。American people may also say dough for cash. When you use one dollar to buy something worth less than one dollar,美国人民把钱，现钞也叫做dough。当你去买小东西不到一美元时，the assistant will give you change. We always say a dollar note (banknote),售货员还将给你拢头。我们还经常说：一张一美元的钞票，a fivepound note, a ten-yuan note.一张五英镑的钞票，一张十元的钞票。B:Is every countrys monetary unit different?B：每一国家的货币单位是否不一样？A:In general, each sovereign state has its own money.A：一般来说，每一个独立自主的国家都有自己的货币。B:Does your family have many money?B：你家是否很有钱？A:The word money is uncountable, so youd say much money. My family is the same as yours,A：“money”这个词属不可数