银行用语英语词汇

1、最新银行用语account number 帐目编号 depositor 存户 pay-in slip 存款单 a deposit form 存款单 a banding machine 自动存取机 to deposit 存款 deposit receipt 存款收据 private deposits 私人存款 certificate of deposit 存单 deposit book, passbook 存折 credit card 信用卡 principal 本金overdraft, overdraw 透支 to counter sign 双签 to endorse 背书 endorser

2、背书人 to cash 兑现 to honor a cheque 兑付 to dishonor a cheque 拒付 to suspend payment 止付 cheque, check 支票 cheque book 支票本 order cheque 记名支票 bearer cheque 不记名支票 crossed cheque 横线支票 blank cheque 空白支票 rubber cheque 空头支票 cheque stub, counterfoil 票根 cash cheque 现金支票 traveler's cheque 旅行支票 cheque for transfe

3、r 转帐支票 outstanding cheque 未付支票 canceled cheque 已付支票 forged cheque 伪支票 Bandar's note 庄票，银票 banker 银行家  president 行长 savings bank 储蓄银行Chartered Bank of India, Australia and China 麦加利银行Hong Kong Shanghai Banking Corporation 汇丰银行National City Bank of New York 花旗银行 Chase Bank 大通银行 Banquet de I&#

4、39;IndoChine 东方汇理银行 central bank, national bank, banker's bank 中央银行 bank of issue, bank of circulation 发行币银行commercial bank 商业银行，储蓄信贷银行 member bank, credit bank 储蓄信贷银行 discount bank 贴现银行 exchange bank 汇兑银行 requesting bank 委托开证银行  issuing bank, opening bank 开证银行 advising bank, notifying bank

5、 通知银行 negotiation bank 议付银行 confirming bank 保兑银行 paying bank 付款银行 associate banker of collection 代收银行 consigned banker of collection 委托银行 clearing bank 清算银行 local bank 本地银行 domestic bank 国内银行 overseas bank 国外银行 unincorporated bank 钱庄 branch bank 银行分行 trustee savings bank 信托储蓄银行 trust company 信托公司 fi

6、nancial trust 金融信托公司 unit trust 信托投资公司 trust institution 银行的信托部 credit department 银行的信用部 commercial credit company(discount company) 商业信贷公司（贴现公司） neighborhood savings bank, bank of deposit 街道储蓄所 credit union 合作银行 credit bureau 商业兴信所 self-service bank 无人银行 land bank 土地银行 construction bank 建设银行 indust

7、rial and commercial bank 工商银行 bank of communications 交通银行 mutual savings bank 互助储蓄银行 post office savings bank 邮局储蓄银行 mortgage bank, building society 抵押银行 industrial bank 实业银行 home loan bank 家宅贷款银行 reserve bank 准备银行 chartered bank 特许银行 corresponding bank 往来银行 merchant bank, accepting bank 承兑银行 invest

8、ment bank 投资银行 import and export bank (EXIMBANK) 进出口银行 joint venture bank 合资银行 money shop, native bank 钱庄 credit cooperatives 信用社 clearing house 票据交换所 public accounting 公共会计 business accounting 商业会计 cost accounting 成本会计 depreciation accounting 折旧会计 computerized accounting 电脑化会计 general ledger 总帐 sub

9、sidiary 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 investment 投资 surplus 结余 idle capital 游资 economic cycle 经济周期 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 devalu

10、ation 货币贬值 revaluation 货币增值 international balance of payment 国际收支 favorable balance 顺差 adverse balance 逆差 hard currency 硬通货  soft currency 软通货 international monetary system 国际货币制度 the purchasing power of money 货币购买力 money in circulation 货币流通量 note issue 纸币发行量 national budget 国家预算 national gross

11、 product 国民生产总值 public bond 公债 stock, share 股票 debenture 债券 treasury bill 国库券 debt chain 债务链 direct exchange 直接（对角）套汇 indirect exchange 间接（三角）套汇 cross rate, arbitrage rate 套汇汇率 foreign currency (exchange) reserve 外汇储备 foreign exchange fluctuation 外汇波动 foreign exchange crisis 外汇危机 discount 贴现 discoun

12、t rate, bank rate 贴现率 gold reserve 黄金储备 money (financial) market 金融市场 stock exchange 股票交易所 broker 经纪人 commission 佣金 bookkeeping 簿记 bookkeeper 簿记员 an application form 申请单 bank statement 对帐单 letter of credit 信用证 strong room, vault 保险库 equitable tax system 等价税则 specimen signature 签字式样 banking hours, bu

13、siness hours 营业时间 account number 帐目编号  depositor 存户  pay-in slip 存款单  a deposit form 存款单  a banding machine 自动存取机  to deposit 存款  deposit receipt 存款收据  private deposits 私人存款  certificate of deposit 存单  deposit book, passbook 存折  credit card 信用卡 

14、principal 本金  overdraft, overdraw 透支  to counter sign 双签  to endorse 背书  endorser 背书人      to cash 兑现      to honor a cheque 兑付 to dishonor a cheque 拒付to suspend payment 止付  cheque, check 支票  cheque book 支票本  order chequ

15、e 记名支票 bearer cheque 不记名支票      crossed cheque 横线支票      blank cheque 空白支票      rubber cheque 空头支票      cheque stub, counterfoil 票根      cash cheque 现金支票      travelers cheque

16、 旅行支票      cheque for transfer 转帐支票      outstanding cheque 未付支票      canceled cheque 已付支票      forged cheque 伪支票      Bandars note 庄票,银票      banker 银行家     &#

17、160; president 行长      savings bank 储蓄银行      Chase Bank 大通银行 National City Bank of New York 花旗银行      Hong Kong Shanghai Banking Corporation 汇丰银行      Chartered Bank of India, Australia and China 麦加利银行    

18、;  Banquet de IIndoChine 东方汇理银行      central bank, national bank, bankers bank 中央银行      bank of issue, bank of circulation 发行币银行  commercial bank 商业银行,储蓄信贷银行      member bank, credit bank 储蓄信贷银行  discount bank 贴现银行 

19、60;   exchange bank 汇兑银行     requesting bank 委托开证银行       issuing bank, opening bank 开证银行      advising bank, notifying bank 通知银行      negotiation bank 议付银行      confirming bank 保兑银行  &

20、#160;   paying bank 付款银行  associate banker of collection 代收银行  consigned banker of collection 委托银行  local bank 本地银行  domestic bank 国内银行  overseas bank 国外银行  unincorporated bank 钱庄  neighborhood savings bank, bank of deposit 街道储蓄所  credit union 合作银行&#

21、160;     credit bureau 商业兴信所  self-service bank 无人银行  land bank 土地银行      construction bank 建设银行      industrial and commercial bank 工商银行bank of communications 交通银行  mutual savings bank 互助储蓄银行      post office

22、savings bank 邮局储蓄银行      mortgage bank, building society 抵押银行  industrial bank 实业银行  home loan bank 家宅贷款银行  reserve bank 准备银行      chartered bank 特许银行      corresponding bank 往来银行      merchant bank, accep

23、ting bank 承兑银行  import and export bank (EXIMBANK) 进出口银行  investment bank 投资银行  joint venture bank 合资银行  money shop, native bank 钱庄  credit cooperatives 信用社  clearing house 票据交换所  public accounting 公共会计  business accounting 商业会计  cost accounting 成本会计 

24、 depreciation accounting 折旧会计  computerized accounting 电脑化会计  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  investment 投资  surplus 结余  idle capital 游资  economic cycle 经济周期&#

25、160; 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  international balance of payment 国际收支  favorable balance 顺差  adverse

26、 balance 逆差  hard currency 硬通货   soft currency 软通货  money in circulation 货币流通量  note issue 纸币发行量  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   

27、60;  treasury bill 国库券      debt chain 债务链      direct exchange 直接(对角)套汇      indirect exchange 间接(三角)套汇      cross rate, arbitrage rate 套汇汇率  foreign currency (exchange) reserve 外汇储备      f

28、oreign 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      money (financial) market 金融市场      stock exchange 股票交

29、易所  broker 经纪人      commission 佣金  bookkeeping 簿记      bookkeeper 簿记员      an application form 申请单     international monetary system 国际货币制度  the purchasing power of money 货币购买力  bank statement 对帐单

30、0;     letter of credit 信用证      strong room, vault 保险库      equitable tax system 等价税则      specimen signature 签字式样      banking hours, business hours 营业时间一、银行英语知识我国的几家老牌大银行还都拥有一套与行政区划相对应的结构，从中央到地方分别是：总行（H

31、ead Office）-省分行（Provincial Branch）-地市分行(Prefecture Branch)-县市支行(County Sub-branch)，中国人民银行的地市级分支机构又称"中心支行"（Central Sub-branch)。相应的英译举例：中国建设银行北京市分行安华支行（China Construction Bank，Beijing (Branch), Anhua Sub-branch）；中国银行上海市分行虹桥支行（Bank of China，Shanghai (Branch), Hongqiao Sub-Branch）；中国人民银行大连市中心支

32、行蓬莱支行（The People's Bank of China, Dalian Central Sub-branch, Penglai Sub-branch）支行以下，又有营业所(Operation Office)、营业部（Operation Department）、分理处(Office)、储蓄所（Savings Office），在名片上，Operation Office和Savings Office均可简单译为Office。 如：中国工商银行朝阳区支行朝外大街分理处（ICBC Chaoyang Sub-branch, Chaowai Office）；中国建设银行台州市分行黄岩支行天

33、长北路储蓄所 CCB Taizhou (Branch), Huangyan Sub-branch, North Tianchang Road Office）。在中国复杂的银行体系里边，还有一个信用社系统，如：三门县农村信用合作社联社（Sanmen Rural Credit Cooperatives Union）；台州市泰隆城市信用社（Tailong Urban Credit Cooperative, Taizhou）。开户行 Account with Bank简写式：A/C with Bank或Bank 帐户名 Beneficiary's Name简写式：Beneficiary 帐号

34、Account Number 简写式：A/C No. 活期存款current deposit, current account 定期存款fixed deposit, fixed account 零存整取fixed deposit by installments 税号Tax ID Number联名存款帐户joint account 存户depositor 存款单pay-in slip/deposit form 自动存取机banding machine 存款收据deposit receipt 私人存款private deposits 存单certificate of deposit 存折depos

35、it book, passbook 单利simple interest 复利compound interest 法定利息legal interest 优待利率prime rate 应付利息payable interest lending rate 贷款利率 高利贷usury 利率interest rate 取款to withdraw money 取款单drawing-out slip 号码牌the number slip 取款单a withdrawal form 出纳员teller / cashier 双签to counter sign 背书to endorse 背书人endorser 兑现t

36、o cash 兑付to honor a cheque 拒付to not honor a cheque 止付to suspend payment 记名支票order cheque 不记名支票bearer cheque 横线支票crossed cheque 空白支票blank cheque 空头支票rubber cheque 票根cheque stub, counterfoil 现金支票cash cheque 旅行支票traveler's cheque 转帐支票cheque for transfer 未付支票outstanding cheque 已付支票 canceled cheque 伪

37、支票forged cheque 庄票，银票Bandar's note 保值储蓄补贴率the subsidy rate for value-preserved savings 结清to close an account, to clear an account 一式两份填这张收据to fill in the receipt in duplicate 二、银行开户英语常用句型What kind of account would you like to have? 你想开哪种帐户? Would you like to open a current account? 你想开一个活期存款帐户吗?

38、 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? There's a service charge for the checking account but no charge for the savings. 支票户头要收服务费，现金户头不收服务费。 You can open a savings account at any time with an initial deposit of one RMB. 你可随时以一

39、块钱的起存额开立储蓄帐户。 Here is your passbook. Please bring it back when you deposit or withdraw money any time you like. Please inform us immediately if 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 would 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 bills. 我需开个支票

40、帐户，这样就能付帐。 We'd like to know how to open a checking-savings account. 我们想知道如何开一个支票储蓄帐户。 I have a checking account here. 我在这里有一个支票存款帐户。 I think I'd 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

41、 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。 I'd 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帐户200元存款是否足够。 Could you tell me how to operate this account? 请告诉我如何经管这个帐户好吗？ Is there any minimum for the first deposit? 第一次

42、储蓄有最低限额吗？ How much does each account cost? 每个帐户要花多少钱？ 三、银行存钱英语常用句型How much do you want to deposit with us? 存多少？ How much do you wish to pay into your account? 你想在户头上存多少？ 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？ Would you please fill in the depositing f

43、orm, giving the sum of money you're to deposit as well as your name and your account number? 请填张存款单，写明要存的数额以及你的姓名和帐号。 I want to deposit 300 Yuan in my account. 我想在我的户头上存300元。 I want to deposit these cheques in my account. 我想把这些支票存在我的户头上。I want to deposit my paycheck. 我想存入我的工资支票。 What's the i

44、nterest rate for the savings account? 存款利率是多少？ Do you pay interest on this account? 这种存款有利息吗？ Please tell me what the annual interest rate is. 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%。 The account carries interest of 4%. 该存款有4%的利息。 The interest is added to your acco

45、unt 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。 四、银行取钱英语常用句型Please tell me how you wish to withdraw your money. 你要怎么取钱？ I want to withdraw 200 RMB from my deposit account. 我想取200块。 I'

46、d like to withdraw 100 RMB against this letter of credit. 我想从这份信用证上提100块钱。 May I withdraw money against the letter of credit here? 这个信用证在这儿能取钱吗？ Fill out a withdrawal form, please. 请填写取款单。 Could you tell me my balance? 我的账户里还剩多少钱？ Your balance at the bank is 300 RMB. 你在本行的结余是300元。 Your deposit is ex

47、hausted. 你的帐号里没有存款了。 Your letter of credit is used up. 你信用证上的钱用完了。 The letter of credit is exhausted. 信用证上的款项已提清。 I think you can withdraw on this account by cheque in payment of goods. 我想你可以用支票提款支付购物的费用。I want to close my account with you. 我想销户。 五、银行支票英语常用句型I'd like to know whether I can cash a

48、 cheque here. 这儿能兑换支票吗？ Will you please cash this traveler's cheque? 帮我兑现这张旅行支票好吗？ I'd like to cash this money order. 我想取这张汇款单上的钱。 I want to cash the balance of a traveler's letter of credit. 我要把旅行信用证的结余兑现。 Will you please tell me whether you charge for cheques? 兑换支票要收手续费吗？ Could you tel

49、l me how much the checks cost? 这些支票要多少钱？ Each cheque you write will cost 2 dollars. 每开一张支票2美圆。 The traveler's checks cost 1.5% of the total amount of purchase. 旅行支票手续费是购买总额的1.5%。 What if I overdraw? 如果透支了怎么办？ Please sign your name on the bottom line if you want to cash the check. 如果想兑支票，请在底线上签名。

50、 Please write your account number on the back of the check. 请在支票背面写上你的帐号。 Please endorse the cheque. 请背签这张支票。 We honored the check as the overdraft was only 5 Yuan. 我们承兑这张支票的透支额只有5元。 Here's the cheque book. When you send a cheque by post is careful to cross it, but if you wish to cash a cheque y

51、ourself, you must leave it open. 这是一本支票簿，你邮寄支票时，注意要在支票上打叉线。但是如果你本人想开张兑现支票，就不可打叉线。  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 traveler's check here?哦，是这样。我需要些现金，在中国游览时使用。我能在这儿兑现旅行支票吗？ T: Of course. We'd be happy cas

52、h it for you.当然，我们很乐意为您兑现。 C: I was going to cash it at the hotel, but one of my friends said that banks always give better exchange rates.我原本打算在旅馆兑现，但我朋友说银行的兑现率通常会高一点。 T: Well, any bank will cash it at our present traveler's check-buying rate, which is somewhat better than at hotels because of

53、the service charge. You see, hotels aren't really in the money exchange business although they will cash traveler's 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。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 there's really not much of a difference?您是说，实际上银行与旅馆的

54、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，麻烦帮我兑换三张100美圆的支票吧，我想该够用了。 T: Yes, I'll 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。 C: There you are.签好了。 T: An

55、d will you please sign this foreign exchange request? I've already written down your name and address for you, but I will need your passport number.请签一下这张外币兑换申请表。我已经写好了您的名字地址，还需要您的护照号码。 六、银行常用英语十句1. I'd like to open an account in your bank. Should I take a number first?我想在你们银行开户。我要先取号码牌吗？2.

56、What's your interest rate for your checking accounts?你们的活期存款利率是多少？3. I'd like to transfer my account.我要转帐。4. I'd like to withdraw NT$10,000 from my account.我想从户头提领一万元出来。5. I'd like to report the loss of my credit card and cancel it.我要办理信用卡挂失并取消那张卡。6. I'd like to exchange some U.S

57、. dollars. What's today's exchange rate?我想兑换一些美金。今天的汇率是多少？7. Where's the ATM? / Do you have an automatic passbook entry machine?自动提款机在哪里？/ 你们这里有没有存折自动补登机？8. Do you offer an inter-bank transfer service?你们有跨行转帐的服务吗？9. My credit card is expired. Can you renew it for me?我的信用卡过期了。可以换发新卡给我吗？10

58、. Can my credit limit be increased?我的信用额度可以提高吗？银行储蓄柜面常用英语100句1.Good morning（Good afternoon ）2.Please3.Hello4.Welcome5.Welcome to deposit in ICBC6.Welcome to USE Peony Credit Card7.Welcome to use ATM8.Sorry9.Please line up10.Please wait a moment11.Thank you12.We/'ll glad to receive any suggestion

59、s to help us improve our service13.Goodbye14.Don/'t mention it （Not at all）15.Hope to see you again16.Demand（CURRENT）deposit17.Demand（current）bankbook18.Rate for current deposit19.Time（fixed）deposit20.Interest Rate for fixed deposit21.Certificates of deposit22.Flexible maturity deposit23.Transfe

60、rable certificate of large amount time deposit24.Withdrawal form26.Termination of a deposit27.Date due28.Automatic teller machine（ATM）29.The detailed list of interest30.Peony Credit Card31.Exchange U.S.dollars for Renminbi32.What can I do for you？33.May I help you？34.We are open for business form 8：

61、00 a.m to 6：00 p.m with no break at noon35.We are open for business all week including Saturday and Sunday36.I/'d like to deposit（withdraw）37.Which type of deposit do you prefer，time deposit or current deposit？38.I prefer time deposit（current deposit）39.Is it your first time to deposit here？I am going to open an ac