Chapter 3 银行外汇业务

Chapter3银行外汇业务ColumnAColumnBforwardcontractspottransactioncalloptionswapagreementdirectquotationforwardpremiumforwarddiscountputoptionlongpositionfuturescontractgolongfuturesaccountmargincalloptioncontractfuturesexchangegoshort期权合约直接标价 期货交易所即期交易；现货交易 看涨期权 追加保证金的通知掉期协议，互换协议远期合约买空，买进远期贴水期货账户远期升水看跌期权多头期货合约卖出，卖空Back

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Words&Expressions外国货币foreigncurrency本国货币domesticcurrency营业执照BusinessLicense企业标准代码证EnterpriseStandardCodeCertificate手续procedure同业银行interbank抵押品security供求supplyanddemand资产负债表balancesheet损益表profitandlossstatement贷款偿还能力loanrepayability记账bookkeeping个人理财顾问personalbanker现钞banknotes背书endorse合资企业jointventure自助self-service纪念品souvenir兑换单exchangeform兑换水单exchangememo收据receipt托收凭证collectionreceipt确认、核实verification取消，删除cancellation起伏、波动fluctuation确认、证实confirmation管理、规则regulation扣除deduction管理、行政administration目的地destination交易transaction限制、限额restriction开户行depositorybank汇出行remittingbank汇入行payingbank汇款人remitter汇出汇款outgoingremittance汇票remittancedraft汇票凭单remittanceslip支票账户checkaccount结算账户settlementaccount外汇资本账户foreigncapitalaccount外汇储蓄账户foreignsavingaccount固定利率贷款fixedrateloan浮动汇率贷款floatingrateloan担保贷款securedloan贷款申请loanapplication支票出票人chequedrawer持票人chequeholder记名支票ordercheque支付通知单paymentorder汇款通知remittanceadvice国际汇款单internationalmoneyorder卖出汇率sellingrate官方汇率officialrate即期汇率spotrate期货汇率forwardrate票据贴现率acceptancerate短期汇率shortrate名义汇率nominalrate汇率风险exchangerateriskSentences您首先要填写对应的取款单，注明您想要取的金额、日期、账户号，最后在这里签名。Youshouldfillouttherelevantwithdrawalformatfirst,statingtheamountyouwanttodraw,thedate,youraccountnumberandthensignhere.请填写这张表，注明您要兑换的金额、您的大写全名、护照号码、国籍和这儿所住的酒店地址，并签名。Wouldyoupleasefillinthisformstatingtheamountyouwishtochange,yourfullnameincapitalletters,yourpassportnumber,yournationality,yourhoteladdresshereandsignyourname.您需要什么面值的钱？Howdoyouwantyourmoney?百元大钞。One-hundrednotes,please.我们银行经过授权可以办理外币兑换。Ourbankisauthorizedtodealwithforeignexchange.现在的兑换率是100美元旅行支票可以兑换679.56人民币。Theexchangeratefortraveler’schequeis679.56RMBagainst100dollars.您还要支付票面额的0.67%作为贴现利息。Youshouldpay0.67%onthetotalamountasdiscountinterest.您要支付票面金额的0.2%作为托收费。Youmustbecharged0.2%collectionfeeonfacevalue.我们已受理背书支票的托收，一旦支票被支付，我们会马上通知您。Wewillaccepttheendorsedchequeforcollectionandnotifyyouassoonasit’spaid.Q&AQ:Whatmaterialsareneededifacompanywantstoopenaforeigncurrencyaccount?A:1,anapplicationform2,asealcardwhichhasbeenstampedwiththeunit’ssealandthecorporationseal3,theBusinessLicense4,theEnterpriseStandardCodeCertificate5,theCertificateofUseofForeignExchangeAccount6,theForeignExchangeAccountOpeningNoticeQ:Wouldyoupleaseexplaintheinterestrateandtermrespectively?A:Weofferfixedandfloatingrateloans,loanwithsecurityorwithout,short-termandlongtermloans.Q:Howtodosomeforeignexchangetransactioninthebank?A:Youshouldopenanaccountforinterbankdepositandwithdrawalofforeigncurrency,andthendepositsomeforeigncurrenciesintoit.Thecommissionisabout0.21%onthetotalamountofyourdeal.Q：What’sthedifferencebetweendirectquotationandindirectionquotation?Directquotationmeansthattheratesarequotedintermsofavariablenumberoflocalcurrenciesagainstafixedunitofothercurrencies.Inthedirectpricelaw,theamountofthenationalcurrencyremainedunchanged,whiletheamountofforeigncurrencieschangeincontrasttothechangesoftheirvalues.直接标价法是说汇率是用可变数量的本国货币对应一定数量的外国货币的形式标价。在间接标价法中，本国货币的数额保持不变，而外国货币的数额随着本国货币币值的对比变化而变动。BDTask4Role-PlayingBack

Role-playaconversationinpairsaccordingtothesituationandtasksgivenbelow.

SituationMr.WanggoestotheDealingDepartmentofGuangzhouBranch,BankofChina.Hewantstoexchangefor5,000eurosbecauseheisgoingtosomeEuropeancountriesonbusinessmissions.TheexchangerateofEuroagainstRMByuanisdeclining.Mr.Zhangmeetshimandattendstotheserviceforhim.Continue

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Exchangegreetings;Tellwhatserviceisneeded;Presentthevaliddocumentsneededforthetransaction:-ID;-Passport;-Visa;AskthecurrentspotrateofeuroagainstRMB;TellthebankclerktoexchangeRMByuanincashfor5,000euros;Checktheexchangedforeigncurrency;Takebackalldocuments;Givethankstothebankclerkforhisservice.Mr.WangContinue

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Tasksofeachrole:Sayhellotohiscustomer;Attendtothebusiness:-TellthecustomertoshowhisIDorpassport;-Askwhatcurrencyandhowmuchtobeexchangedfor;-Fillintheexchangememo;-Tellthecurrentnotesellingrate:100:775；-MakecalculationandtellhowmuchRMByuanisneeded;-Askthecustomertochecktheamountofforeignmoney;-Askthecustomertokeeptheexchangememoforlateruse;-Returnallthedocumentstothecustomer;Saygoodbye.Mr.ZhangContinue

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SituationAnAmericancustomercomestothebanktoexchangemoney.Hecan’tspeakChinese,whilethebankclerkcan’tspeakEnglish.Youarerequiredtoactasatranslatorforthem.Continue

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Customer:Hello.Doyouexchangemoneyhere?职员：是的。您有哪种外币？要兑换多少？Customer:IwanttoexchangeUS$500.职员：首先，请填写这张兑换单，一式两份。然后，请出示您的护照。(afterawhile)（过了一会儿）Customer:Hereisthememofilledoutandthemoney.职员：好的。请稍等。一会儿就好。您想要什么面额的？Customer:Anykindwilldo.职员：好的，这是您的钱，总共是3850元。请数一下，还有您的护照和收据。Customer:Everythinglooksright.Thanksforyourhelp.Goodbye!职员：再见Customer:Hello.Doyouexchangemoneyhere?顾客：您好。你们这里兑换外币吗？Clerk:Yes.Whatkindofforeigncurrencydoyouhave?Andhowmuchdoyouwanttoexchange?职员：是的。您有哪种外币？要兑换多少？Customer:IwanttoexchangeUS$500.顾客：我想换500美元。Clerk:Firstofall,pleasefilloutthisexchangememoinduplicate.Thenshowmeyourpassport.职员：首先，请填写这张兑换单，一式两份。然后，请出示您的护照。(afterawhile)（过了一会儿）Customer:Hereisthememofilledoutandthemoney.顾客：这是填好的兑换单和钱。Clerk:A1lright.Pleasewait.Thiswillonlytakeamoment.Whatdenominationswouldyoulikeyourmoneytocomein?职员：好的。请稍等。一会儿就好。您想要什么面额的？Customer:Anykindwilldo.顾客：哪种面额的都行。Clerk:OK.Hereisyourmoney.That's3,850yuanintotal.Pleasechecktheamount,andyourpassportandreceipt.职员：好的，这是您的钱，总共是3850元。请数一下，还有您的护照和收据。Customer:Everythinglooksright.Thanksforyourhelp.Goodbye!顾客：没错。谢谢你的帮助。再见！Clerk:Goodbye!职员：再见Task4Role-PlayingBack

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Role-playaconversationinpairsaccordingtothesituationandtasksgivenbelow.Situation:Johnson,managerofanimportcompany,meetsProfessorWilliamattheairport.TheytalkaboutthefinancialsituationofChinaandthechangesintheexchangerateofRMByuanagainsttheUSdollar.JohnsonhasdifferentopinionsonthetendencyoftheexchangerateofRMByuanagainsttheUSdollar.

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Johnson’sopinions:

Theyuanshouldcontinuetoweakenagainstabackdropofglobaleconomicuncertainty;Lettingtheyuandepreciateisagoodoptionsinceinflationisnolongerathreat;China’sexportsarecloselyrelatedtoglobaleconomicgrowthandarenotwhollydecidedbytheforeignexchangerateoftheyuan;Minorchangesinthevalueoftheyuanwillnot