银行基本业务英语口语.doc

银行基本业务英语口语Unit1 Daily reception 日常接待Useful Words and Phrases 常用词汇与短语 head office 总行branch 分行sub-branch 支行savings office 储蓄所banking service manager 大堂经理Practical Sentences and Patterns 实用句型Hello.您好。Good morning. What can I do for you?早上好，我可以为您做些什么吗?Pardon? 能再说一遍吗？ Would you mind repeating your question, please?请重复一遍您的问题好吗？No problem. Ill do it for you right away.没问题，我马上为您办理。Please go to counter No.1. Its over there.请到一号柜台办理，在那边。Please wait a minute. 请稍等。Would you mind showing me your passport?请把您的护照给我。Could you please fill in this form and sign your name here?请填写这份表格并签上您的名字。Please use Arabic numbers.请用阿拉伯数字填写。Please fill in your address and phone number here.请您在此处填写地址和电话号码。Please enter your code number.请输入您的密码。We are open for business from 8:30 a.m. to 4:30 p.m. with no break at noon.我们的营业时间是上午8点半至下午4点半，中午不休息。We are open for business all week including Saturday and Sunday.我门星期六、星期日照常营业。Thank you so much.谢谢。With pleasure.不客气。 Hope to see you again.欢迎您再次光临。Dialogue 对话OneClerk: Good morning, madam. Customer: Good morning. Clerk: May I help you? Customer: Yes, I want to change some money. Clerk: This way, please. Customer: Thank you. Clerk: Youre welcome. TwoClerk: Good afternoon, Mr. Anderson. Customer: Good afternoon, Miss Li. Clerk: How nice to see you again! Customer: Nice to see you, too. Clerk: Its been a long time, hasnt it? How are you? Customer: Fine, thank you. And you? Clerk: Very well too, is there anything I can do for you? Customer: Yes. Could you guide me to where I can change money?Clerk: Sure, Mr. Anderson, please come along with me. Customer: Thank you. Clerk: My pleasure.Unit2 Opening an account 开立账户Useful Words and Phrases 常用词汇与短语 current deposit, current account 活期存款 fixed deposit, fixed account 定期存款 fixed deposit by installments 零存整取 Practical Sentences and Patterns 实用句型 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? Our minimum deposit for a current account is 1 yuan. 我们活期存款的最低存款额是人民币1元。 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。 Can I open a current account here? 我能否在这儿开个活期存款帐户？I should like to open a current account. 我想开一个活期存款帐户。 I think Id like a deposit account. 我想要开个定期存款帐户。 Is there any minimum for the first deposit? 第一次储蓄有最低限额吗？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。 Dialogues 对话OneClerk: May I help you, sir? Customer: Yes, please. Id like to open a bank account with you. Can you give me some information? Clerk: Yes, Id be very happy to help you. Usually we offer current accounts and fixed accounts for individuals. Customer: Oh, its almost the same in America. Clerk: What kind of account did you have in mind Customer: Well, Id prefer to open a current account. TwoCustomer: Could you tell me something about current accounts? Clerk: Id love to. You may open an account in your name. Then you can make deposits or withdrawals at anytime with presenting your passbook.Customer: Is there any minimum balance? Clerk: Yes, one yuan is the minimum balance. Customer: I see. There is one more thing Id like to know, that is, do I earn interest on the account? Clerk: Yes, of course, we pay the interest rate permitted for banks. Every quarter we credit the earned interest into your account automatically. Customer: I see. Thank you. By the way, when does the bank close? Clerk: It closes at 4:30 p.m. Customer: Thank you very much for the information. Clerk: You are welcome. Unit3 Handling deposits and withdrawals 办理存取款Useful Words and Phrases 常用词汇与短语 certificate of deposit 存单 deposit book, passbook 存折account number 账号 slip 存取款凭条to deposit 存款deposit receipt 存款收据 to draw money 取款 drawing-out slip 取款单to close an account, to clear an account 结清 teller, cashier 出纳员interest rate 利率 simple interest 单利 compound interest 复利 legal interest 法定利息Practical Sentences and Patterns 实用句型 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? 你计划在你的账户上定期存放多少钱？ 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。 I want to deposit 300 yuan in my account. 我想在我的户头上存300元。 Id like to pay 200 yuan into my deposit account. 我想在在我的定期存款账户上存200元。 Interest is paid at the rate of 0.72% per annum at present. 目前年利率是0.72%。 It varies from time to time. （利率）每个时期都不同。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 interest is added to your account every year. 每年的利息都加到你的存款中。Whats the interest rate for the current account? 活期存款的利率是多少？ 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。 Please tell me how you wish to draw your money. 请告诉我你希望怎样支款。Your balance at the bank is 300 yuan. 你在本行的结余是300元。 Your deposit is exhausted. 你的存款支净了。 I want to withdraw 200 yuan from my current account. 我要从我的活期存款中支取200元。 Could you tell me my balance? 能否把存款结余金额告诉我？ I want to close my account with you. 我想结束在你们这儿的帐户。Dialogue 对话OneCustomer: Hello! Id like to deposit some foreign currency.Clerk: which currency do you have?Customer: US dollars. Clerk: How much do you want to deposit?Customer: 1000 US dollars. Clerk: Time deposit or demand deposit?Customer: Time one.Clerk: How long are you going to deposit your money?Customer: One year.Clerk: Thats okay. Ill do that for you now. TwoCustomer: Excuse me, but can I draw on my account for payment of things I buy in China?Clerk: Certainly, sir. How much do you draw?Customer: RMB 8,000 please. Would you please tell me my balance? Clerk: Yes, sir. Your balance is RMB 34,000.Customer: I am sorry, but may I ask one more question?Clerk: Of course, please do. What is it?Customer: What is the interest rate for the current account?Clerk: The detailed information is on the board. Please go and see it.Customer: Many thanks.Clerk: My pleasure.Unit4 Money exchange 货币兑换Useful Words and Phrases 常用词汇与短语 currency, money 货币 convertible money 可兑换纸币an exchange form 兑换单 foreign exchange 外汇 foreign exchange quotations 外汇行情foreign exchange restriction 外汇限额SAFE (The State Administration of Foreign Exchange) 国家外汇管理局to check the rate 查牌价exchange rate 外汇率buying rate 买进价格 selling rate 卖出价格bank note 钞票 note of large denomination 大票 note of small denomination 小票 small change 零钱 Practical Sentences and Patterns 实用句型 What kind of currency do you want to change? 请问您想要换哪种货币？Please tell me how much you want to change. 请告诉我你要换多少。 How much of the remittance do you want to convert into Chinese yuan? 你要把多少汇款换成人民币？ If youll wait a moment, Ill find out the rates of exchange. 请等一会儿，我查一下兑换率。 The buying rate of U.S. dollar notes is 699 yuan per hundred dollars. 美元现钞买入价是100美元付699元人民币。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, and write down your name as well as address? 请在兑换单上签字，写出你的姓名和地址，好吗？ Could you change these dollars for me? 能给我兑换这些美元吗？ Id like to convert the full amount of the remittance into Renminbi. 我想把全部汇款换成人民币。 Whats the exchange rate today? 今天的兑换率是多少？ Please tell me what you would give me for my U.S. dollars. 请告诉我这些美元可以兑换多少钱。 Id like some coins for this note. 我想把这张纸币换成硬币。 Could you give me some small notes? 给我一些小票好吗？Dialogue 对话OneCustomer: Excuse me. Do you exchange foreign currency here?Clerk: Yes, we do.Customer: I want to convert 1000 US dollars into Chinese yuan. Clerk: This is an exchange memo. Please fill in the amount you intend to change along with your name, nationality, passport number and address. Customer: Whats the exchange rate for the dollars?Clerk: Todays rate for cash purchase is RMB 699 yuan for US $ 100 banknote. Do you have your passport with you? Customer: Yes. Here you are. How much RMB will I get?Clerk: Let me see. US $ 1000 makes RMB 6990 yuan. Youll receive the money in a moment.Customer: No hurry.Clerk: Here is the cash and the exchange memo. Please check it. TwoClerk: What can I do for you?Customer: Yes. Id like to get some US dollars. Whats todays rate of US dollars against Chinese yuan?Clerk: Its RMB 701 yuan per hundred US dollars. How much would you like to change? Customer: 200 US dollars total.Clerk: Please fill out the exchange form.Customer: All right.Clerk: Would you mind showing me your passport?Customer: Here it is.Clerk: Please wait a moment. Ill do it for you as soon as possible.Unit5 Using an ATM 如何使用自动柜员机Useful Words and Phrases 常用词汇与短语 ATM (automatic teller machine) 自动柜员机insert the bankcard 插入银行卡slot 卡槽PIN (personal identification number) 个人密码amending password 修改密码transferring money 转账making inquiry 查询arrow 箭头screen 荧光屏、屏幕the available services 能够提供的服务CASH WITHDRAWL 提取现金ENTER 输入、确定Dialogue 对话OneCustomer: Excuse me, would you tell me how to use this ATM?Clerk: With pleasure. First, you should check whether the ATM is at work.Customer: Next step?Clerk: And then you should insert your card as shown on the screen.Customer: Do you mean to put the card into the slot of the machine?Clerk: Youre right. Then a screen message will ask you to enter your personal identification number (PIN) on the keyboard. After that, press the “ENTER” button. Be sure to remember your PIN correctly and press the right buttons.Customer: I do remember.Clerk: After you enter your PIN, you will be asked which service you need, e.g. amending password, withdrawing money, transferring money, making inquiry. Press the button corresponding to the service required. And you may follow the arrows at the edge of the screen.Customer: I see. Thank you very much.Clerk: Finally, dont forget to take out your card.TwoClerk: What can I do for you?Customer: Excuse me, how can I get the money from the ATM?Clerk: At first, insert your bankcard and enter your PIN. Then you press the “ENTER” button.Customer: Then I will get the money from the ATM?Clerk: You see, the screen shows the available services. One of them is “CASH WITHDRAWL”.Customer: I see. I can press the “CASH WITHDRAWL” button if I want to get cash from my account. Clerk: Thats right. After you press the “CASH WITHDRAWL” button, the screen will show the sente