银行英语口语向客户提建议

银行英语口语－向客户提建议Customer:Hello,Iwouldliketoopenanaccount,butIdonotknowwhataccountitshouldbe.顾客：你好。我想开立一个帐户，但我不知道要开哪种帐户。Clerk:Doyouoftendepositmoneyanddrawmoney?职员：您经常存钱和取钱吗？Customer:No,Idonot.IjustwanttodepositmysalaryandusethisaccounttopaythethingsIbuyatdepartmentstoresonceamonth.顾客：不，我不经常存钱和取钱。我只想把工资存入并且用这个帐户来支付每月一次在百货商店所买的东西的帐款。Clerk:So,itwillbeagoodideaforyoutoopenacheckingaccount.Doyouthinkso?职员：那么您还是开立一个支票帐户的好。您认为怎么样？Customer:Allright,ifthataccountwillmake.顾客：行，如果这个帐户合适的话。DialogueTwo对话（2）Customer:Goodmorning,sir.IamfromJapan.MyEnglishispoor.Canyouhelpme?顾客：你好，先生。我是日本人。我的英语不太好，你能帮忙吗？Clerk:Itismypleasure,butIthinkitwouldbebetterforyoutotellmewhatyouwanttodo.职员：很高兴为您效劳，但我想您最好告诉我您想要干什么。Customer:Oh,Iwanttochangesomemoney,butIdonotknowhowtofillouttheexchangememo.顾客：啊，我想兑换些钱，但不知道怎样填写兑换水单。我不会看英文。Clerk:Wouldyoucaretogivemeyourpassportandwriteyournameonthepaper?职员：您能把您的护照给我，并把您的名字写在这张纸上吗？Customer:Thereyouare.MynameisTanaka.顾客：给你护照和姓名，我叫田中。Clerk:Good.Iwillfillouttheexchangememoforyounow.Whydonotyoutakeaseatoverthereforamoment?职员：好，我现在就为您填写这张兑换水单。您请在那里坐一会行吗？Customer:Iwouldliketo.Thanks.顾客：好的，谢谢。Clerk:Hello,Mr.Tanaka.IwaswonderingifyouwouldeverthoughtofconversingtheunusedRenminbibackintoJapanyenlater?职员：您好，田中先生，不知道您是否考虑到以后要把没有用完的人民币兑换成日元呢？Customer:Yes,ifIwillhaveRenminbileft.顾客：是的，如果有没用完的人民币的话，就要换成日圆。Clerk:So,IfImaymakeasuggestion,pleasekeepyourexchangememosafe,职员：那么，如果我还可以提一个建议的话，请您保管好您的这张兑换水单。Customer:Thankyouindeed.Iwilldothat.顾客：我会保管好的。谢谢。Clerk:Notatall.职员：不用谢。

银行英语口语－回答客户问题Customer:Excuseme,butcanIdrawonmyaccountforpaymentofthingsIbuyinChina?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.Howmuchdoyoudraw?职员：当然可以，先生。您要取多少钱？Customer:RMB8,000please.Wouldyoupleasetellmemybalance?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.YourbalanceisRMB34,000.职员：好的，先生。你的帐户余额是人民币34000元。Customer:Iamsorry,butmayIaskonemorequestion?顾客：对不起，我能不能再问一个问题？Clerk:Ofcourse,pleasedo.Whatisit?职员：当然可以了。请问是什么问题？Customer:Whatistheinterestrateforthesavingaccount?顾客：储蓄存款的利率是多少？Clerk:Thedetailedinformationisontheboard.Pleasegoandseeit.职员：详细的情况在那块利率牌上。请去那里看看吧。Customer:Manythanks.顾客：非常感谢。DialogueTow对话（2）Customer:Excuseme,butcouldyouhelpme?顾客：对不起，能帮我一个忙吗？Clerk:Withpleasure.WhatcanIdoforyou?职员：很高兴为您效劳。我能为您做些什么？Customer:CouldyoutellmewhereIcanfindMrZhang?顾客：请告诉我张先生在哪里，好吗？Clerk:SureMiss.MrZhangisupstairs.职员：没问题，小姐。张先生在楼上。Customer:Thankyouverymuch.顾客：非常感谢。Clerk:Notatall,miss.职员：不客气，小姐。DialogueThree对话（3）Customer:Doyouchargeforcheques?顾客：请问，兑换支票你们收手续费吗？Clerk:Yeswedo.EachchequeyouwritewillcostRMB2.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:DoIhavetodepositalargesumofmoneyifIwanttoopenachequing-savingsaccount?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:Notnecessarily,sir.职员：不一定的，先生。Customer:Regardingtheinterestrate,whatisthedifferencebetweenasavingsaccountandcheckingaccount?顾客：在利率方面，储蓄存款和支票存款有什么不同？Clerk:Notbigdifference,sir.职员：没有太大的区别，先生。Customer:Isee.Iwouldliketoopenacheckingaccount.Will300dollarsbeenoughforaminimumdeposit?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。

银行英语口语－Negotiation押汇C:Excuseme,doyouprovideanytradeservicehere?你们有提供贸易押汇服务吗？T:Yes,wedo.CanIhelpyou,sir?有的，先生。我能为你效劳吗？C:Yes,I'dliketoknowhowabouttheservicesyouprovidetocustomersinwhichcreditfacilitiesarenotrequired?我想知道你们提供给客户无须信贷安排的服务有那些项目？T:Certainly,sir.Theserviceswillincludeexportfinancing;outwardbillscollectiontransferablelettersofcredit,lettersofcreditadvisingandconfirmation,inwardbillscollection,tradeinformationandinsurance.那当然可以，先生。服务范围包括出口贷款，出口单托收，信用证转让，信用证通知及确认，进口单托收，贸易资料及保险服务。C:HowcanIbenefitfromyourexportservices?那么在出口押汇文件的处理上，我所享有的服务有怎样？T:Ourstaffworksuntil6:00pmeachweekdaynightsothatyourexportdocumentscanbepromptlyprocessed.Thiswillgreatlyhelpyourcashflow.Inaddition,wecandispatchdocumentstoyourcounterparty'sbankforearlierpayment.Inturn,willsaveyourtransitinterest.我们的职员每日能为您服务到下午6点，确保各出口押汇文件可及时办妥，使你的现金周转更加灵活。同时，由于我们能助你将单据尽早递送到你的业务伙伴的银行及收取有关款项，所以能使你缩减利息开支。C:Bytheway,canIfaxmyinstructiontoyourbank?那么，我可以将押汇指示以传真方式通知贵行吗？T:Sure,thisiswhatwealwaysencourageourcustomerstodo.Besides,aswehaveanadvance-computerizedsystemtoprocessthedocumentsefficientlyandaccurately,youcanuseourelectronicfacilitiesfortradetransactions当然可以，我们一直鼓励客户这样做。此外，由于我们设有先进的电脑系统，能有效率及准确地处理贸易文件，所以，你也可透过我们的电子银行服务进行各项押汇交易。C:Canyourbankprovidetrainingorseminarsontradedocumentationtoourcompany?Aswenotethatitisverydifficulttotrainnewstaff.贵行会向我们提供有关贸易单据处理的培训班和讲座吗？因为我们在训练新职员时常遇到这方面的问题。T:Yes,wedo.Thisservicewillbesubjecttoyourrequest.我们会的。这服务将根据你们的需要和要求而定。C:Okay.I'llthinkaboutitseriouslyandwillprobablycontactyouagainlater.Thanksalot!好的，我将详细考虑这项服务，我会再联络你，谢谢！T:Notatall!不用客气！Negotiation押汇C:Excuseme,doyouprovideanytradeservicehere?你们有提供贸易押汇服务吗？T:Yes,wedo.CanIhelpyou,sir?有的，先生。我能为你效劳吗？C:Yes,I'dliketoknowhowabouttheservicesyouprovidetocustomersinwhichcreditfacilitiesarenotrequired?我想知道你们提供给客户无须信贷安排的服务有那些项目？T:Certainly,sir.Theserviceswillincludeexportfinancing;outwardbillscollectiontransferablelettersofcredit,lettersofcreditadvisingandconfirmation,inwardbillscollection,tradeinformationandinsurance.那当然可以，先生。服务范围包括出口贷款，出口单托收，信用证转让，信用证通知及确认，进口单托收，贸易资料及保险服务。C:HowcanIbenefitfromyourexportservices?那么在出口押汇文件的处理上，我所享有的服务有怎样？T:Ourstaffworksuntil6:00pmeachweekdaynightsothatyourexportdocumentscanbepromptlyprocessed.Thiswillgreatlyhelpyourcashflow.Inaddition,wecandispatchdocumentstoyourcounterparty'sbankforearlierpayment.Inturn,willsaveyourtransitinterest.我们的职员每日能为您服务到下午6点，确保各出口押汇文件可及时办妥，使你的现金周转更加灵活。同时，由于我们能助你将单据尽早递送到你的业务伙伴的银行及收取有关款项，所以能使你缩减利息开支。C:Bytheway,canIfaxmyinstructiontoyourbank?那么，我可以将押汇指示以传真方式通知贵行吗？T:Sure,thisiswhatwealwaysencourageourcustomerstodo.Besides,aswehaveanadvance-computerizedsystemtoprocessthedocumentsefficientlyandaccurately,youcanuseourelectronicfacilitiesfortradetransactions当然可以，我们一直鼓励客户这样做。此外，由于我们设有先进的电脑系统，能有效率及准确地处理贸易文件，所以，你也可透过我们的电子银行服务进行各项押汇交易。C:Canyourbankprovidetrainingorseminarsontradedocumentationtoourcompany?Aswenotethatitisverydifficulttotrainnewstaff.贵行会向我们提供有关贸易单据处理的培训班和讲座吗？因为我们在训练新职员时常遇到这方面的问题。T:Yes,wedo.Thisservicewillbesubjecttoyourrequest.我们会的。这服务将根据你们的需要和要求而定。C:Okay.I'llthinkaboutitseriouslyandwillprobablycontactyouagainlater.Thanksalot!好的，我将详细考虑这项服务，我会再联络你，谢谢！T:Notatall!不用客气！银行英语口语－兑换货币Pleasetellmehowmuchyouwanttochange.请告诉我你要换多少。HowmuchoftheremittancedoyouwanttoconvertintoJapaneseyen?你要把多少汇款换成日圆？Whatkindofcurrencydoyouwant?要哪种货币？What'sityouwishtochange?你有什么要换的？Whatkindofcurrencydoyouwanttochange?要换哪种货币？Inwhatdenominations?要什么面值的？Pleasetellmewhatnoteyouwant.请告诉我要什么钞票。Willseventensbeallright?7张10元的可以吗？Isitintraveler'scheques?换旅行支票吗？I'dliketoknowhowIshallgiveittoyou.我想知道如何付钱给你。Howwouldyoulikeit?你要什么面额的？Wouldyoukindlysigntheexchangeform,givingyournameandaddress?请在兑换单上签字，写出你的姓名和地址，好吗？Canyouchangemesomemoney,please?能否请你给我兑换一些钱？Hereitis,someFrenchfrancs,Swissfrancs,AmericandollarsandafewDutchguilders.这些就是：一些法国法郎，瑞士法郎，美圆和一些荷兰盾。Wouldyoupleasegivemesevenfive-poundnotes,fourpoundnotesandfourten-shillingnotes,andtherestinsmallchange.请你给我7张5镑纸币，4张1镑纸币，4张10先令纸币，剩下的要零票。Wouldyoumindgivingmethesixpenceincoppers?劳驾给我6便士的铜币。I'dliketoknowifyoucouldchangethismoneybackintoU.S.dollarsforme.我想知道能否把这笔兑回成美圆。CouldyouchangetheseFrenchfrancsforme?能给我兑换这些法国法郎吗？Canyougiveme100dollarsinSwissfrancs?能否给我100美圆的瑞士法郎？I'dliketoconvertthefullamountoftheremittanceintoU.S.dollars.我想把全部汇款换成美圆。I'dlikesomecoinsforthisnote.我想把这张纸币换成硬币。I'dliketobreakthis50dollarnote.我想把这张50美圆纸币换开。Fivetwentiesandtensingles,please.请给我5张20元和10张一元的。Ineed300dollarsin100-dollarcheques.我要300美圆票面为100美圆的支票。Ihopeyou'llgivemetentraveler'schequesof100dollarseach.我希望给我10张面额为100美圆的旅行支票。Infives,please.请给我5元票面的。Couldyougivemesomesmallnotes?给我一些小票好吗？UsefulWordsandPhrasescurrency,money货币moneychanging兑换货币anexchangeform兑换单banknote钞票noteoflargedenomination大票noteofsmalldenomination小票smallchange零钱subsidiarymoney辅币nickelpiece镍币plasticcurrencynotes塑料钞票convertiblemoney可兑换（黄金）纸币银行英语口语－信用证L/C(信用证)C=Customer顾客T=Teller职员T:CanIhelpyou,sir?能帮你什么忙吗，先生？C:Yes,IwanttoopenanL/C,butIdon'tknowhowtowork?对，我想开个信用正，但我不明白如何运作？T:Ok,Lettellyou.Aletterofcreditisawrittenpaymentinstrumentissuedbyabankattherequestofacustomer(alwaystheimporter).ItwillbesenttotheexportertomakeshipmentandpreparethedocumentsspecifiedintheL/C.AssoonastheL/Canddocumentsarepresentedtotheissuingbank,thebankmustpaytotheexporter(beneficiary).ThebankactsasthefirstpayerandthisisthemostimportantfeatureofL/C.好，让我来告诉你。信用正是应客户（通常是进口商）的要求而开立的一种付款承诺文件，信用证将被寄给出口商，使出口商可以把货物装船，并根据信用正的要求准备单据。一旦信用证和单据提交给开证行，开证行必须立即付款给出口商（受益人）。银行就作为第一支付人进行支付，这就是信用证最重要的特征。C:Isee,wouldyoutellmewhat'sthemaincontentofanL/C?我明白了，你能告诉我信用证的主要内容吗？T:Name,quality,unitpriceandamountofgoods,portsofloadinganddestination,priceandpaymentterms,shippingdocuments,latestshipmentdateandvalidityoftheL/C.商品的品名，数量，单价和种类，装货港和目的地，价格和付款条件，装船单据，最后装运期和到目的地的有效期。C:ThenhowcanIsendanL/Ctomycustomer?那么，我怎么才可以向我的客户开出信用证呢？T:Inpractice,theissuingbankwillsendtheL/Ctooneofitscorrespondentsattheplaceofexportbymailofcable.AfterverifyingtheauthenticityoftheL/C,thecorrespondent(advisingbank)willsendtheL/Ctotheexporter.习惯上，开证行总是向出口商所在地的代理行发出邮件或电报，在检验信用证的真实性后，代理行（通知行）将向出口方发出信用证。C:Howcanmycustomerreceivetheproceeds?我的客户怎样才能收到钱？T:TheexporterwillmakeshipmentandpresenttheL/Cwithallthedocumentstoanegotiationbankifitisavailablebynegotiation.IfthedocumentsareincompliancewiththetermsoftheL/Cthroughcarefullychecking,thebankwillnegotiatethedocumentsandsendthemtotheissuingbankforreimbursement.Theissuingbankwilldebitimporter'saccountwhenreleasingtheshippingdocumentstotheimporter.Thewholetransactionnowcomestotheend.信用证是可以议付的，出口商向议付行提交信用证所要的所有单据，只要所提交的单据和信用证要求的条件是一致的话，银行将议付。当开证行将装船单据交给进口商时，开证行就借记进口方的帐户，整个交易就完成了。C:Isee,Thankyouverymuch我明白了，谢谢你！T:you'rewelcome!别客气L/C(信用证)C=Customer顾客T=Teller职员T:CanIhelpyou,sir?能帮你什么忙吗，先生？C:Yes,IwanttoopenanL/C,butIdon'tknowhowtowork?对，我想开个信用正，但我不明白如何运作？T:Ok,Lettellyou.Aletterofcreditisawrittenpaymentinstrumentissuedbyabankattherequestofacustomer(alwaystheimporter).ItwillbesenttotheexportertomakeshipmentandpreparethedocumentsspecifiedintheL/C.AssoonastheL/Canddocumentsarepresentedtotheissuingbank,thebankmustpaytotheexporter(beneficiary).ThebankactsasthefirstpayerandthisisthemostimportantfeatureofL/C.好，让我来告诉你。信用正是应客户（通常是进口商）的要求而开立的一种付款承诺文件，信用证将被寄给出口商，使出口商可以把货物装船，并根据信用正的要求准备单据。一旦信用证和单据提交给开证行，开证行必须立即付款给出口商（受益人）。银行就作为第一支付人进行支付，这就是信用证最重要的特征。C:Isee,wouldyoutellmewhat'sthemaincontentofanL/C?我明白了，你能告诉我信用证的主要内容吗？T:Name,quality,unitpriceandamountofgoods,portsofloadinganddestination,priceandpaymentterms,shippingdocuments,latestshipmentdateandvalidityoftheL/C.商品的品名，数量，单价和种类，装货港和目的地，价格和付款条件，装船单据，最后装运期和到目的地的有效期。C:ThenhowcanIsendanL/Ctomycustomer?那么，我怎么才可以向我的客户开出信用证呢？T:Inpractice,theissuingbankwillsendtheL/Ctooneofitscorrespondentsattheplaceofexportbymailofcable.AfterverifyingtheauthenticityoftheL/C,thecorrespondent(advisingbank)willsendtheL/Ctotheexporter.习惯上，开证行总是向出口商所在地的代理行发出邮件或电报，在检验信用证的真实性后，代理行（通知行）将向出口方发出信用证。C:Howcanmycustomerreceivetheproceeds?我的客户怎样才能收到钱？T:TheexporterwillmakeshipmentandpresenttheL/Cwithallthedocumentstoanegotiationbankifitisavailablebynegotiation.IfthedocumentsareincompliancewiththetermsoftheL/Cthroughcarefullychecking,thebankwillnegotiatethedocumentsandsendthemtotheissuingbankforreimbursement.Theissuingbankwilldebitimporter'saccountwhenreleasingtheshippingdocumentstotheimporter.Thewholetransactionnowcomestotheend.信用证是可以议付的，出口商向议付行提交信用证所要的所有单据，只要所提交的单据和信用证要求的条件是一致的话，银行将议付。当开证行将装船单据交给进口商时，开证行就借记进口方的帐户，整个交易就完成了。C:Isee,Thankyouverymuch我明白了，谢谢你！T:you'rewelcome!别客气.

银行英语口语－存款Howmuchdoyouwanttodepositwithus?你想在我们这存多少？Howmuchdoyouwishtopayintoyouraccount?你希望在你的户头上存多少？Howmuchmoneydoyouplantokeepinyouraccountonaregularbasis?你计划在你的户头上定期存放多少钱？Howmuchcashdoyouplantodepositinyouraccount?你有多少钱要存入呢？Ithinkyoumaydeposityourmoneywiththebank,orleaveitherefortemporarysafe-keeping.我认为你可把钱存入银行，或留在银行暂保管起来。Wouldyoupleasefillinthedepositingform,givingthesumofmoneyyou'retodepositaswellasyourname,addressandprofessionalunit?请填张存款单，写明要存的数额以及你的姓名，地址和工作的单位，好吗？Iwanttodeposit300yuaninmyaccount.我想在我的户头上存300元。Iwanttodepositthesechequesinmyaccount.我想把这些支票存在我的户头上。I'dliketopay200yuanintomydepositaccount.我想在在我的定期存款户头上存200元。Iwanttodepositmypaycheck.我想存入我的工资支票。I'dliketoknowwhetherIcancashachequehere.我想知道我能否在这兑换支票。Willyoupleasecashthistraveler'scheque?请兑现这张旅行支票好吗？I'dliketocashthismoneyorder.我想兑现这张汇款单。Iwanttocashthebalanceofatraveler'sletterofcredit.我要把旅行信用证的结余兑现。Willyoupleasetellmewhetheryouchargeforcheques?请告诉我兑换支票收手续费吗？Couldyoutellmehowmuchthecheckscost?请告诉我这些支票要花多少钱？WhatifIoverdraw?如果透支了怎么办？Pleasesignyournameonthebottomlineifyouwanttocashthecheck.如果想兑支票，请在底线上签名。Pleasewriteyouraccountnumberonthebackofthecheck.请在支票背面写上你的帐号。Wehonoredthecheckastheoverdraftwasonly5yuan.我们承兑这张支票的透支额只有5元。Pleaseendorsethecheque.请背签这张支票。Thetraveler'scheckscost1.5%ofthetotalamountofpurchase.旅行支票手续费是购买总额的1.5%。Here'sthechequebook.Whenyousendachequebypostbecarefultocrossit,butifyouwishtocashachequeyourself,youmustleaveit"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。Eachchequeyouwritewillcost2dollars.你每开一张支票将花2美圆。UsefulWordsandPhrasesaccountnumber帐目编号depositor存户pay-inslip存款单adepositform存款单abandingmachine自动存取机todeposit存款depositreceipt存款收据privatedeposits私人存款certificateofdeposit存单depositbook,passbook存折creditcard信用卡principal本金overdraft,overdraw透支tocountersign双签toendorse背书endorser背书人tocash兑现tohonoracheque兑付todishonoracheque拒付tosuspendpayment止付cheque,check支票chequebook支票本ordercheque记名支票bearercheque不记名支票crossedcheque横线支票blankcheque空白支票rubbercheque空头支票chequestub,counterfoil票根cashcheque现金支票traveler'scheque旅行支票chequefortransfer转帐支票outstandingcheque未付支票canceledcheque已付支票forgedcheque伪支票Bandar'snote庄票，银票

常见银行英语词汇accountnumber帐目编号depositor存户pay-inslip存款单adepositform存款单abandingmachine自动存取机todeposit存款depositreceipt存款收据privatedeposits私人存款certificateofdeposit存单depositbook,passbook存折creditcard信用卡principal本金overdraft,overdraw透支tocountersign双签toendorse背书endorser背书人tocash兑现tohonoracheque兑付todishonoracheque拒付tosuspendpayment止付cheque,check支票chequebook支票本ordercheque记名支票bearercheque不记名支票crossedcheque横线支票blankcheque空白支票rubbercheque空头支票chequestub,counterfoil票根cashcheque现金支票traveler'scheque旅行支票chequefortransfer转帐支票outstandingcheque未付支票canceledcheque已付支票forgedcheque伪支票Bandar'snote庄票，银票banker银行家president行长savingsbank储蓄银行ChaseBank大通银行NationalCityBankofNewYork花旗银行HongkongShanghaiBankingCorporation汇丰银行CharteredBankofIndia,AustraliaandChina麦加利银行BanquedeI'IndoChine东方汇理银行centralbank,nationalbank,banker'sbank中央银行bankofissue,bankofcirculation发行币银行commercialbank商业银行，储蓄信贷银行memberbank,creditbank储蓄信贷银行discountbank贴现银行exchangebank汇兑银行requestingbank委托开证银行issuingbank,openingbank开证银行advisingbank,notifyingbank通知银行negotiationbank议付银行confirmingbank保兑银行payingbank付款银行associatebankerofcollection代收银行consignedbankerofcollection委托银行clearingbank清算银行localbank本地银行domesticbank国内银行overseasbank国外银行unincorporatedbank钱庄branchbank银行分行trusteesavingsbank信托储蓄银行trustcompany信托公司financialtrust金融信托公司unittrust信托投资公司trustinstitution银行的信托部creditdepartment银行的信用部commercialcreditcompany(discountcompany)商业信贷公司（贴现公司）neighborhoodsavingsbank,bankofdeposit街道储蓄所creditunion合作银行creditbureau商业兴信所self-servicebank无人银行landbank土地银行constructionbank建设银行industrialandcommercialbank工商银行bankofcommunications交通银行mutualsavingsbank互助储蓄银行postofficesavingsbank邮局储蓄银行mortgagebank,buildingsociety抵押银行industrialbank实业银行homeloanbank家宅贷款银行reservebank准备银行charteredbank特许银行correspondingbank往来银行merchantbank,acceptingbank承兑银行investmentbank投资银行importandexportbank(EXIMBANK)进出口银行jointventurebank合资银行moneyshop,nativebank钱庄creditcooperatives信用社clearinghouse票据交换所publicaccounting公共会计businessaccounting商业会计costaccounting成本会计depreciationaccounting折旧会计computerizedaccounting电脑化会计generalledger总帐subsidiaryledger分户帐cashbook现金出纳帐cashaccount现金帐journal,day-book日记帐，流水帐baddebts坏帐investment投资surplus结余idlecapital游资economiccycle经济周期economicboom经济繁荣economicrecession经济衰退economicdepression经济萧条economiccrisis经济危机economicrecovery经济复苏inflation通货膨胀deflation通货收缩devaluation货币贬值revaluation货币增值internationalbalanceofpayment国际收支favourablebalance顺差adversebalance逆差hardcurrency硬通货softcurrency软通货internationalmonetarysystem国际货币制度thepurchasingpowerofmoney货币购买力moneyincirculation货币流通量noteissue纸币发行量nationalbudget国家预算nationalgrossproduct国民生产总值publicbond公债stock,share股票debenture债券treasurybill国库券debtchain债务链directexchange直接（对角）套汇indirectexchange间接（三角）套汇crossrate,arbitragerate套汇汇率foreigncurrency(exchange)reserve外汇储备foreignexchangefluctuation外汇波动foreignexchangecrisis外汇危机discount贴现discountrate,bankrate贴现率goldreserve黄金储备money(financial)market金融市场stockexchange股票交易所broker经纪人commission佣金bookkeeping簿记bookkeeper簿记员anapplicationform申请单bankstatement对帐单letterofcredit信用证strongroom,vault保险库equitabletaxsystem等价税则specimensignature签字式样bankinghours,businesshours营业时间

在国外常用银行英语到英国后，要尽快到银行开户。英国的金融业非常发达，服务也很完善，在学习期间你会享受到一些目前在国内还没有的银行服务。下面列出一些与银行打交道的常用语，你一定会发现它们非常有用。ØCashCard（现金卡）：可以从银行或ATM机提取现金ØChequeGuaranteeCard（支票保证卡）：在你使用支票时，商家会要求你出示此卡，作为支付的保证。支票保证卡上注明了担保的金额，也就是每次可开支票的最高限额。ØDebitCard（借记卡）：使用此卡可以直接在商店里消费，费用会通过银行的结算系统，直接从你的帐号上扣除。实际上以上三卡通常会合并成一卡，包含了上述功能，使用起来十分方便。ØCreditcard（信用卡）：如你的资信较好，经申请并审核后，银行可能会提供信用卡。信用卡允许你先花后付，你会定期收到上一个月的帐单，要求你安排付款事宜。ØCurrentAccount（现金帐户）：用于存（Deposit），取（Withdraw），日常开支，通常利息较低或没有利息。ØSavingAccount（存款帐户）；有利息，通常不能用于支付支票，有时支取需要提前通知。ØOverdraft（透支）：透支是不准许的，如你确实需要透支，建议你提前与银行协商，有的银行会同意学生在一定金额和时间内无偿透支，但通常你需要为透支的金额支付利息。为避免这种情况出现，建议你经常查看现金帐户中的余额（Balance），提前将预期的花费从存款帐户转入现金帐户。

银行英语口语－支票结算T:Hello!MayIhelpyou?您好，您有事需要帮忙吗？C:Yes,Ihopeso.IneedsomemorecashformyvisitinChina.MayIcashatraveler'scheckhere?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:Ofcourse.We'dbehappycashitforyou.当然，我很乐意为您兑现。C:Iwasgoingtocashitatthehotel,butoneofmyfriendssaidthatbanksalwaysgivebetterexchangerates.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,anybankwillcashitatourpresenttraveler'scheck-buyingrate,whichwesomewhatbetterthanathotelsbecauseoftheservicecharge.Yousee,hotelsaren'treallyinthemoneyexchangebusinessalthoughtheywillcashtraveler'schecksfortheirguests.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:Youmeanthere'sreallynotmuchofadifference?您是说，实际上银行与旅馆的兑换率差距并不大。T:No,madam,notverymuch.是的，夫人，没多大差距。C:Well,mayIcashthesethreechecksfor$100each?Ithinkthatwillbeenough.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,I'llbehappytocashtheseforyou.Wouldyoupleasecountersignthemhere?好的，我很乐意为你兑换。请您将支票复签一下。C:Thereyouare.T:Andwillyoupleasesignthisforeignexchangerequest?I'vealreadywrittendownyournameandaddressforyou,butIwillreadyourpassportnumber.对您所管理的分支机构负责人应要求他对预算目标出现的任何偏离。都必须做出正式合理的解释，因为这是衡量其工作能力的最佳尺度。银行英语口语－储蓄存款利息What'stheinterestrateforthesavingsaccount?储蓄存款的利率是多少？Doyoupayinterestonthisaccount?这种存款付给利息吗？Pleasetellmewhattheannualinterestrateis.请告诉我年利率是多少。Interestispaidattherateof1%perannumatpresent.目前每年的利率是1%。Itallowsyoutoearnalittleinterestonyourmoney.这可使你从存款中获得一点利息。Theaccountcarriesinterestof4%.该存款有4%的利息。Theinterestisaddedtoyouraccounteveryyear.每年的利息都加到你的存款中。Theinterestrateforthesavingsaccountis4%.储蓄存款的利率是4%。Itvariesfromtimetotime.Atpresentitis6%.（年息）每个时期都不同，现在是六厘。UsefulWordsandPhrasesinterestrate利率simpleinterest单利compoundinterest复利legalinterest法定利息primerate优待利率payableinterest应付利息lendingrate贷款利率usury高利贷thesubsidyrateforvalue-preservedsavings保值储蓄补贴率

银行英语口语－外汇率TellmethecurrentrateforRMB,please.请告诉我人民币的现价。What'syoursellingrateforRMByuaninnotestoday?你们今天人民币现钞的售价是多少？What'sthedollargoingfortoday?美圆今天的售价是多少？Ourbuyingratefornotesis523yuanfor100dollars.我们100美圆的现钞买入价是523元。It's200Frenchfrancsattoday'ssellingrate.今天的卖出价是200法国法郎。ThebuyingrateofU.S.dollarnotesis460yuanperhundreddollars.美圆现钞买入价是100美圆付460元。UsefulPhrasesbuyingrate买进价格sellingrate卖出价格AndhowmuchwillitbeinJapanesecurrency?换成日本币是多少？HowmuchwouldIgetfor300Japaneseyen?300日圆可兑换多少钱？I'dliketoknowtheexchangerateforGermanmarks.我想知道德国马克的兑换率。Whatrateareyougiving?你们提供的兑换率是多少？What'stheexchangeratetoday?今天的兑换率是多少？PleasetellmewhatyouwouldgivemeformyU.S.dollars.请告诉我这些美圆可以兑换多少钱。Pleasetellmethecurrentrateforsterling.请告诉我英国货币的现行兑换率。Ifyou'llwaitamoment,I'llfindouttheratesofexchange.请等一会儿，我查一下兑换率。Pleasewaitamoment.I'llfindouttheexchangeratebetweenU.S.dollarsandRMB.请等一会儿，我查一下美圆对人民币的兑换率。It's470yuanfor100dollars.100美圆可兑470元。Theexchangeratetodayis200yentothepound.今天的兑换率是一英镑可兑200日圆。Theratefortraveler'schequesis300yuanagainst100dollars.旅行支票的兑换率是100美圆兑300元。Thesedollarsareworth1,000yuan.这些美圆可换1000元。UsefulPhrasesexchangetable,conversiontable汇兑换算表foreignexchange外汇exchangerate外汇率conversionrate折合率foreignexchangerestriction外汇限额foreignexchangequotations外汇行情tochecktherateforsb.查牌价

银行英语口语－取款、结余I'dliketoknowifIcandrawonmyaccountforpaymentofthingsIbuyinTianjin.我想知道一下我是否能提取存款来支付天津购物的费用。Iwanttowithdraw200dollarsfrommydepositaccount.我要从我的定期存款中支取200美圆。Iwanttoclosemyaccountwithyou.我想结束在你们这儿的帐户。I'dliketodraw100yuanaga