银行基本业务口语-精.doc

银行基本业务口语新开帐户What kind of account did you have in your mind? 你想开哪种帐户? Do you like to open a current account? 你想开一个活期存款帐户吗? 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帐户。 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帐户。 I need a checking account so that I can pay my bill. 我需开个支票帐户，这样就能付帐。I have a checking account here. 我在这里有一个支票存款帐户。 I think Id like a deposit account. 我想要开个定期存款帐户。 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. 请告诉我开个储蓄帐户需要什么手续。 Will 100 yuan be enough for a minimum deposit? 100元作最低存款额够吗？ Id like 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。 The interest is added to your account every year. 每年的利息都加到你的存款中。 The interest rate for the savings account is 4%. 储蓄存款的利率是4%。 It varies from time to time. At present it is 6%. （年息）每个时期都不同，现在是六厘。Could you tell me how to operate this account? 请告诉我如何经管这个帐户好吗？current deposit, current account 活期存款 fixed deposit, fixed account 定期存款 取款、结余Id like to know if I can draw on my account for payment of things I buy in Tianjin.我想知道一下我是否能提取存款来支付天津购物的费用。I want to withdraw 200 dollars from my deposit account. 我要从我的定期存款中支取200美圆。 I want to close my account with you. 我想结束在你们这儿的帐户。Your deposit is exhausted. 你的存款支净了。Your letter of credit is used up. 你的信用证用完了。Fill our a withdrawal form, please. 请填写取款单。The cashier at Counter 6 will pay you against your number slip. 六号柜台的出纳员将根据你的号码牌付给你钱。to fill in the receipt in duplicate 一式两份填这张收据 teller, cashier 出纳员外汇率Tell me the current rate for RMB, please. 请告诉我人民币的现价。Whats your selling rate for RMB yuan in notes today? 你们今天人民币现钞的售价是多少？Whats the dollar going for today? 美圆今天的售价是多少？Our buying rate for notes is 523 yuan for 100 dollars. 我们100美圆的现钞买入价是523元。 Its 200 French francs at todays selling rate. 今天的卖出价是200法国法郎。 The buying rate of U.S. dollar notes is 460 yuan per hundred dollars. 美圆现钞买入价是100美圆付460元。 buying rate 买进价格 selling rate 卖出价格 If youll wait a moment, Ill find out the rates of exchange. 请等一会儿，我查一下兑换率。Id like to know the exchange rate for German marks. 我想知道德国马克的兑换率。The exchange rate today is 200 yen to the pound. 今天的兑换率是一英镑可兑200日圆。These dollars are worth 1,000 yuan. 这些美圆可换1000元。Its 470 yuan for 100 dollars. 100美圆可兑470元。银行业务部门名称中英对照Board of Directors 董事会 President 行长 Executive Office 经理办公室 Personnel Dept. 人事部 General Affairs Dept. 总务部Co-ordination & Planning Dept. 综合计划部 International Dept. 国际业务部Overseas Branches Dept. 海外部 Foreign Exchange Dept. 外汇资金部 First Credit Dept. 信贷一部 Second Credit Dept.信贷二部Accounting Dept. 财会部 International Clearing Dept 国际清算部Banking Dept. 营业部 Credit Card Dept. 信用卡部 General Auditing Dept. 总稽核室Computer Center 电脑部 Training Management Dept.教育部Trust and Consultation Co. 信托咨询公司 I need some more cash for my visit in China. May I cash a travelers check here?我需要些现金，在中国观光时使用。我能在这儿兑现旅行支票吗？Wed be happy cash it for you. 我很乐意为您兑现。 Overdraft（透支）Cash Card（现金卡） Debit Card（借记卡） Credit card（信用卡）pay-in slip 存款单 a deposit form 存款单 deposit receipt 存款收据 private deposits 私人存款 certificate of deposit 存单 deposit book, passbook 存折overdraft, overdraw 透支 principal 本金 credit cooperatives 信用社 bank statement 对帐单 strong room, vault 保险库banking hours, business hours 营业时间Clerk: The detailed information is on the board. Please go and see it.职员：详细的情况在那块利率牌上。请去那里看看吧。Clerk: Certainly, sir. How much do you draw? 职员：当然可以，先生。您要取多少钱？Clerk: Sure Miss. Mr Zhang is upstairs. 职员：没问题，小姐。张先生在楼上。Customer: Do you charge for cheques? 顾客：请问，兑换支票你们收手续费吗？Clerk: Not necessarily, sir. 职员：不一定的，先生。Clerk: Yes we do. Each cheque you write will cost RMB 2.职员：是的，我们收手续费。您每开一张支票就要花人民币2元。Clerk: Not big difference, sir. 职员：没有太大的区别，先生。Clerk: Definitely. 职员：足够了。向客户提建议Customer: Hello, I would like to open an account, but I do not know what account it should be.顾客：你好。我想开立一个帐户，但我不知道要开哪种帐户。Clerk: Do you often deposit money and draw money ? 职员：您经常存钱和取钱吗？I just want to deposit my salary and use this account to pay the things I buy at department stores我只想把工资存入并且用这个帐户来支付在百货商店所买的东西的帐款Clerk: So, it will be a good idea for you to open a checking account. Do you think so?职员：那么您还是开立一个支票帐户的好。您认为怎么样？My English is poor 我的英语不太好 Clerk: Not at all 职员：不用谢。非常遗憾, 本公司目前实在无力结清该帐。 We tegret that we are not able at the moment to make you a settlement.a banding machine 自动存取机 to endorse 背书 endorser 背书人 to cash 兑现 blank cheque 空白支票 rubber cheque 空头支票cheque stub, counterfoil 票根construction bank 建设银行 industrial and commercial bank 工商银行 bank of communications 交通银行 industrial bank 实业银行 joint venture bank 合资银行 depreciation accounting 折旧会计 cost accounting 成本会计business accounting 商业会计 general ledger 总帐 subsidiary ledger 分户帐 cash book 现金出纳帐 cash account 现金帐 journal, day-book 日记帐，流水帐 bad debts 坏帐 economic boom 经济繁荣 economic recession 经济衰退 economic depression 经济萧条 economic crisis 经济危机 economic recovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值national budget 国家预算 national gross product 国民生产总值 public bond 公债 stock, share 股票 debenture 债券foreign exchange fluctuation 外汇波动 foreign exchange crisis 外汇危机 discount 贴现 discount rate, bank rate 贴现率 gold reserve 黄金储备 I want to deposit 300 yuan in my account. 我想在我的户头上存300元。 失效支票，过期支票 stale cheque 未获兑现支票，退票 returned cheque开发支票 to make out a cheque 填写支票数额 to fill up a cheque透支支票to overdraw a cheque 支票退票 to dishonour a cheque to refuse a cheque 拒付支票 已过期|无效 out of date | stale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 支票毁损 cheque mutilated汇款|寄钱 to remit|to send money 寄款人 a remitter 收款人a remittee 逾期汇票 overdue bill电汇 telegraphic transfer (T.T) 定期付款 payment on term年分期付款 annual payment 月分期付款 monthly payment|monthly instalment预付货|先付 payment in advance|prepayment 延付货款 deferred payment 立即付款 prompt payment|immediate payment结清 to clear off|to pay off 请求付款 to ask for payment | to request payment 恳求付帐 to solicit payment 货到付现款 cash on arrival 即时付款 prompt cash 储蓄存款利息Whats the interest rate for the savings account? 储蓄存款的利率是多少？ Do you pay interest on this account? 这种存款付给利息吗？ Please tell me what the annual interest rate is. 请告诉我年利率是多少。 Interest is paid at the rate of 1% per annum at present. 目前每年的利率是1%。 It allows you to earn a little interest on your money. 这可使你从存款中获得一点利息。 The account carries interest of 4%. 该存款有4%的利息。 The interest is added to your account every year. 每年的利息都加到你的存款中。 The interest rate for the savings account is 4%. 储蓄存款的利率是4%。 It varies from time to time. At present it is 6%. （年息）每个时期都不同，现在是六厘。 Useful Words and Phrases interest rate 利率 simple interest 单利 compound interest 复利 legal interest 法定利息 prime rate 优待利率 payable interest 应付利息 lending rate 贷款利率 usury 高利贷 the subsidy rate for value-preserved savings 保值储蓄补贴率支票结算T: Hello! May I help you?您好，您有事需要帮忙吗？ C: Yes, I hope so. I need some more cash for my visit in China. May I cash a travelers check here?是的， 是这样。 我需要些现金，在中国观光时使用。我能在这儿兑现旅行支票吗？T: Of course. Wed be happy cash it for you.当然， 我很乐意为您兑现。C: I was going to cash it at the hotel, but one of my friends said that banks always give better exchange rates.我原本打算在家旅馆兑现， 但我朋友说银行的兑现率通常有点高。T: Well, any bank will cash it at our present travelers check-buying rate, which we somewhat better than at hotels because of the service charge. You see, hotels arent really in the money exchange business although they will cash travelers checks for their guests.任何银行都是按现时买入旅行支票的兑换率来兑现的。这个兑现率我们已经列在这里了。当然，因为手续费的差异，我们的兑换率比旅馆的稍高些。您知道，旅馆虽然为客人兑换旅行支票， 但他们并不是专门从事兑换业务的。C: You mean theres really not much of a difference?您是说，实际上银行与旅馆的兑换率差距并不大。T: No, madam, not very much.是的，夫人，没多大差距。C: Well, may I cash these three checks for $100 each? I think that will be enough.那么，我能把每张100美圆的3张支票兑现吗？ 我想该够用了。T: Yes, Ill be happy to cash these for you. Would you please countersign them here?好的，我很乐意为你兑换。请您将支票复签一下。回答客户问题Customer: Excuse me , but can I draw on my account for payment of things I buy in China ? 顾客：劳驾，请问我能不能提取存款尝付我在中国买东西的费用？ Clerk: Certainly, sir. How much do you draw? 职员：当然可以，先生。您要取多少钱？ Customer: RMB 8,000 please. Would you please tell me my balance? 顾客：请给我人民币8，000元。请把我帐号上的节余金额告诉我好吗？ Clerk: Yes, sir. Your balance is RMB 34,000. 职员：好的，先生。你的帐户余额是人民币34000元。 Customer: I am sorry, but may I ask one more question? 顾客：对不起，我能不能再问一个问题？ Clerk: Of course, please do. What is it? 职员：当然可以了。请问是什么问题？ Customer: What is the interest rate for the saving account? 顾客：储蓄存款的利率是多少？ Clerk: The detailed information is on the board. Please go and see it. 职员：详细的情况在那块利率牌上。请去那里看看吧。 Customer: Many thanks. 顾客：非常感谢。 Dialogue Tow 对话（2） Customer: Excuse me, but could you help me? 顾客：对不起，能帮我一个忙吗？ Clerk: With pleasure. What can I do for you? 职员：很高兴为您效劳。我能为您做些什么？ Customer: Could you tell me where I can find Mr Zhang? 顾客：请告诉我张先生在哪里，好吗？ Clerk: Sure Miss. Mr Zhang is upstairs. 职员：没问题，小姐。张先生在楼上。 Customer: Thank you very much. 顾客：非常感谢。 Clerk: Not at all, miss. 职员：不客气，小姐。 Dialogue Three 对话（3） Customer: Do you charge for cheques? 顾客：请问，兑换支票你们收手续费吗？ Clerk: Yes we do. Each cheque you write will cost RMB 2. 职员：是的，我们收手续费。您每开一张支票就要花人民币2元。 Customer: Do I have to deposit a large sum of money if I want to open a chequing-savings account? 顾客：如果我要开一个支票储蓄帐户，我必须存一大笔钱吗？ Clerk: Not necessarily, sir. 职员：不一定的，先生。 Customer: Regarding the interest rate, what is the difference between a savings account and checking account? 顾客：在利率方面，储蓄存款和支票存款有什么不同？ Clerk: Not big difference, sir. 职员：没有太大的区别，先生。 Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit? 顾客：我知道了。我想开一个支票存款帐户。300美圆作最低存款额够了吗？ Clerk: Definitely. 职员：足够了。支票用语支票薄 cheque book 支票陈票人 cheque drawer 持票人 cheque holder 不记名支票 che