《金融英语》教学课件

金融英语FinancialEnglishUnitOneDailyReceptionBackgroundInformation

Whenanewcustomercomestoabanktoinquireaboutsomethingordosomebusiness,itisalwayspoliteforabankclerktogreethimorherwithasmile.Atthistime,theclerkcanuse“Sir”,“Miss”or“Madam”tocallhimorherinplaceofhisorhername.Besurethatitisnotfollowedbyeitherthefirstnameorthelastname.BackgroundInformation Asforanoldcustomer,abankclerkcanoftenuse“Mr.”,“Mrs.”,“Miss”and“Ms”followedbythelastname.“Ms”isusedeitherforamarriedoranunmarriedwoman.Sowhenabankclerkisuncertainwhethertocallalady“Miss”or“Mrs.”,heorshemayjustcallher“Ms”.BackgroundInformation Whenacustomerwantstoseeamanager,it’snecessaryforasecretarytoaskhisorhername,titleandpurposeofcoming.Usually,acustomerisintroducedtoamanager,ajuniortoasenior.Afterintroduction,theremayalsobeahandshake,ifit’snormal.Asarule,themanagerreacheshisorherhandtothecustomer,theseniortothejunior.Butveryoftenthetwowouldjustsmileandsay“Hello”or“Hi”andthenbegintheirconversation.NewWordsandExpressionstransfer使转移withdraw取（款）bother打扰cooperation合作corridor走廊rent租借security证券NewWordsandExpressionsinsurance保险fee费用，专业服务费signature签名authorize授权，委托favor关切，好意remit汇出counterfeit伪造的，假冒的NewWordsandExpressionsforge伪造regulation规章，规定issue发行certificate证明，证明书identify鉴别，确认express表达NewWordsandExpressionswarm-hearted热心肠的considerate考虑周到的patient有耐心的charming迷人的comfortable舒适的NewWordsandExpressionssatisfy使满意duty义务，工作，责任，职责responsibility责任，职责goahead继续HumanResourceDepartment人力资源部safedepositbox保管箱insurancepolicy保险合同dependon依赖，随……而定UsefulWordsandSentencesGoodmorning./Goodafternoon.早上好。下午好Welcometoourbank.欢迎光临本行。MayIhelpyou?/CanIhelpyou?/WhatcanIdoforyou?要我为您效劳吗？Couldyoudomeafavor?能帮我一个忙吗？Couldyoutellme...?能告诉我......？Wouldyoumind...?介意我......？UsefulWordsandSentencesCertainly./Ofcourse./Noproblem./Sure./Mypleasure.当然可以；乐意效劳。Bytheway.顺便问一下。Thisway,please.这边请。Afterme,please.请跟我来。PleasegotocounterNo.3.请到三号柜台。Thankyou!/Thanksalot./Manythanks.谢谢UsefulWordsandSentencesYou'rewelcome./Notatall./Don'tmentionit.不用谢。Hello.Thisissbspeaking.(电话用语)你好，我是某某。Goodbye./Byebye./Seeyou.再见。I'mlookingforwardtoseeingyouagain.期待您下次光临。UnitTwoOpeninganAccountBackgroundInformationCommercialbanksprovidesavingsservicestocustomersandthosesavingsareoneoftheprimarysourcesoffundsforthebanks.Banksoffermanydifferentaccountstotheircustomers.Ingeneral,bankaccountscanbeclassifiedastwocategories,currentaccountandfixedaccount.BackgroundInformationCurrentaccountisalsocalledacheckingaccountintheWest.Normallyweusethetermcurrentordemandwhenwetalkaboutacheckingaccountmaintainedbyabusinessfirm.Anybody,eitherafirmoranindividual,mayopenacurrentaccount.ButintheWest,peopleoftencallindividualaccountspersonalcheckingaccounts.That’sjustadifferentnameforthesamething.BackgroundInformationThebalancesinthecurrentaccountsaresubjecttothewithdrawalsondemand.However,afixedaccountrequiresnoticetothebank,usuallysevendaysbeforethedepositorhasarighttomakeawithdrawal.Innormalpractice,banksusuallywaivenoticeandallowimmediatewithdrawals.NewWordsandExpressionssavings储蓄金account账户offer提供（东西或机会）Individual个人deposit存款certificate证明书depositor存款人interest利息passbook银行存折present把……交给handle处理，操纵NewWordsandExpressionsmeans方法，手段identification确认，鉴定slip小纸片，便条minimum最小的，最低的digit数字reminder提醒according依照NewWordsandExpressionsrelevant密切相关的regulation规则，规章制度currency通货，货币convenient方便的，便利的attractive诱人的valid有效的，合理的NewWordsandExpressionsinformation信息，消息，情报checkbook支票簿savingsaccount储蓄账户fixedaccount定期存款账户currentaccount活期账户jointventurecorporation合资公司checkingaccount支票账户interestrate利率fillin填写UsefulWordsandSentencessavings储蓄金deposit存款savingsaccount储蓄帐户currentaccount活期存款帐户fixedaccount定期存款帐户checkingaccount支票帐户interestrate利率passbook存折UsefulWordsandSentencesdepositcertificate存单depositslip存款凭条Whatkindofaccountdoyouwanttoopen?您想开立什么帐户？Youmayopenacurrentaccount.您可以开一个活期存款帐户。IwanttowithdrawmoneywheneverIneedit.我希望在需要钱时可以随时取款。UsefulWordsandSentencesDoyouhaveanymeansofidentification?您带身份证明了吗？WillmyIDcarddo?身份证可以吗？Wehavecheckingaccountsandsavingsaccounts.我们有支票帐户和储蓄帐户。Isthereanyminimumforthefirstdeposit?有最低起存存款额吗？Pleasefillintheslipfirst.请先填写凭条。UnitThreeHandlingDepositsBackgroundInformationMoneyhasthecapacitytogeneratemoremoney.Ifagivensumofmoneyisdepositedinasavingsaccount,itearnsinterest;ifitisusedtopurchasecorporatestock,itearnsdividends;ifitisusedtopurchaseawarehousethatisthenrentedtoabusinessfirm,itearnsrent.Thus,astimeelapsestheoriginalsumofmoneyexpandsthroughtheaccretionoftheseperiodicearnings.BackgroundInformation

Weshallgenerallyusetheterminterestinabroadsensetodenotethemoneyearnedbytheoriginalsum,regardlessofwhetherthemoneyearnedisreferredtoinordinarycommercialparlanceasinterest,dividends,rent,orbusinessprofits.BackgroundInformationThetimerateatwhichasumofmoneyearnsinterestisknownastheinterestrate;itisexpressedastheratiooftheinterestearnedduringagivenperiodtothesumofmoneythatisearninginterest.Forexample,ifthesumof$100earns$10interestin1year,theinterestrateis10/100,thatis10%perannum.NewWordsandExpressionssecurity证券treasury宝库；财政部bond债券amount金额，数量urgent紧急的maturity到期（应付款）regard把……视为NewWordsandExpressionsautomatic自动的renewal续订，更换installment（分期付款的）一期付款complicated复杂的interestrate利率regularsavingsaccount存折储蓄账户NewWordsandExpressionssecuritiesinvestmentfund证券投资基金treasurybond国债Whatif...?如果……将会怎样？lumpsum一次总付的钱款，总额currentsavingsdeposit活期储蓄存款lumpsumfixeddeposit整存整取定期存款NewWordsandExpressionsinstallmentfixeddeposit零存整取定期存款time-demanddeposit定活两便存款UsefulWordsandSentencessavings储蓄金deposit存款regularsavingsaccount存折储蓄帐户interestrate利率depositcertificate存单depositslip存款凭条CanIhaveadepositslip?能给我一张存单吗？UsefulWordsandSentencesIwanttodepositsomemoneyinmyaccount.我想在我的帐户里存点儿钱。Howmuchdoyouwanttodepositinyouraccount?您想存多少钱？Pleasefillinthedepositslipwithyourname,IDcardnumber,telephonenumber,deposittermandtheamount.请在这张存款条上填写您的姓名、身份证号、电话号码、存期和金额。Doyouprefermakingatimedepositoracurrentone?您要存定期还是活期？UsefulWordsandSentencesThebankcanofferaninterestrateof2.25%perannum.银行支付的年利率是2.25%。CanIwithdrawmytimedepositbeforematuritydate?到期日前我能提前支取定期存款吗？Ifyoudon'twithdrawallthemoneyyoudeposited,theamountremainingwillcontinuetobearthestatedtimedepositinterestrate.如果您不提前支取全部存款，剩下未支取的存款仍享有原定期存款的利率。Wecanrenewthecertificateautomaticallyonmaturitydateifyoulike.如果您愿意的话，我们可以为您办理存单自动转存。UnitFourHandlingWithdrawalsBackgroundInformationCommercialbanksprovidesavingsservicestocustomersandthosesavingsareoneoftheprimarysourcesoffundsforthebanks.Banksoffermanydifferentaccountstotheircustomers.Ingeneral,bankaccountscanbeclassifiedastwocategories,currentaccountandfixedaccount.BackgroundInformation

CurrentaccountisalsocalledacheckingaccountintheWest.Normallyweusethetermcurrentordemandwhenwetalkaboutacheckingaccountmaintainedbyabusinessfirm.Anybody,eitherafirmoranindividual,mayopenacurrentaccount.ButintheWest,peopleoftencallindividualaccountspersonalcheckingaccounts.That’sjustadifferentnameforthesamething.BackgroundInformationThebalancesinthecurrentaccountsaresubjecttothewithdrawalsondemand.However,afixedaccountrequiresnoticetothebank,usuallysevendaysbeforethedepositorhasarighttomakeawithdrawal.Innormalpractice,banksusuallywaivenoticeandallowimmediatewithdrawals.NewWordsandExpressionssavings储蓄金account账户offer提供（东西或机会）individual.个人deposit存款certificate证明书depositor存款人NewWordsandExpressionsinterest利息passbook银行存折present把……交给handle处理，操纵means方法，手段identification确认，鉴定slip小纸片，便条minimum最小的，最低的NewWordsandExpressionsdigit数字reminder提醒according依照relevant密切相关的regulation规则，规章制度currency.通货，货币convenient方便的，便利的NewWordsandExpressionsattractive诱人的valid有效的，合理的information信息，消息，情报checkbook支票簿savingsaccount储蓄账户fixedaccount定期存款账户currentaccount活期账户jointventurecorporation合资公司NewWordsandExpressionscheckingaccount支票账户interestrate利率fillin填写UsefulWordsandSentencespassword/codenumber/PIN密码，口令signature签名principal本金closetheaccount销户Excuseme,Iwanttowithdrawsomemoneyfrommyaccount.打扰了，我想取钱。UsefulWordsandSentencesPleaseenteryoursix-digitpassword/PIN.请输入六位数字的密码。I'msorry.Thecodenumberyouentereddoesn'tcoincidewiththeoneyougaveuswhenyouopenedyouraccount.抱歉。您输入的密码与您开户时的密码不一致。Takeiteasy.Thinkitover别着急，再想一想。UsefulWordsandSentencesPleaseshowmeyourIDcardifyouredeemyourcertificateofdepositbeforematuritydate.如果您提前兑付您的定期存单的话，请出示您的身份证。Doyouwanttowithdrawallyourmoneyfromyouraccount?您想全部取走吗？Hereisyourprincipalandtheinterestyouhaveearned.您的本金和利息。Howwouldyoulikeyourmoney?Inwhatdenominations?您要多大面值的？Pleasegivemethreeone-hundred-yuannotesandfourfifties.请给我三张100元的和四张50元的。UnitFiveCheckBackgroundInformation Checksarethemostcommonformofnegotiableinstrumentandarethepreferredmethodofpaymentformanydebts.Theyofferconvenienceforbothwriterandrecipient,arelativelyhighdegreeofsafety,andarecordoftransactions.Theyareacceptedformosttransactionswhensupportedbyappropriateidentification,andtheircommonandrecognizableformmakesthemapartofnormallifeformostpeople.BackgroundInformationWhenyouwriteacheck,youmayissueittothepersonwhosenameisonthepayeeline,butyouareinfactwritingittoyourbank.Youaredirectingthebanktopaythesum“totheorderof”therecipient.

Mostpeopleimmediatelyrecognizestandardfeaturesofpersonalchecks.BackgroundInformationDateisthedatethecheckiswritten.Post-datedorpre-datedchecksviolatemostbankdepositagreements.Payeeisthereceiverofthefunds.Thislinedirectsthebankto“paytotheorderof”aspecifiedparty.Amountspacesallowfortheamountofthechecktobeenteredinbothnumbersandwords,tominimizeerrors.Intheeventthewordsandnumbersdon’tmatch,theamountwritteninwordstakesprecedence.BackgroundInformationSignatureisavalidsignatureofthemakerofthecheck.Banksusuallywillnotnegotiatecheckswithoutasignature.Memoisanoptionalentrytonotethecheck’spurposeorotherinformation.Identificationnumbersshowthechecknumber,thebankroutingnumber,andtheaccountnumber.Thesenumbersareprintedwithmagneticinkinmachine-readablecharacters,calledmagneticinkcharacterrecognition(MICR)numbers.NewWordsandExpressionsNewWordsandExpressionsNewWordsandExpressionsNewWordsandExpressionsUsefulWordsandSentencescheck支票paymentinstrument支付工具drawer出票人payee收款人bearer持票人endorse背书endorser背书人endorsee被背书人UsefulWordsandSentencespaytotheorderof付款给……payatsight/payondemand见票即付generalcheck/uncrossedcheck/opencheck普通支票crossedcheck划线（转账）支票checktoorder记名支票checktobearer不记名支票badcheck/rubbercheck空头支票blankcheck未写金额的签名支票UsefulWordsandSentencesforgedcheck伪造签字的支票cancelledcheck/paidcheck注销（付讫）的支票presentacheckforpayment提示支票要求付款drawacheck签发支票cashacheck兑现支票Pleasesignyournameasthedraweronthefaceofthecheck.请以出票人身份身份于支票正面签名。UsefulWordsandSentencesPleasesignyournameatthebottomofright-handcorner.请在右下角签名。Pleaseendorsethecheckbysigningyournameonthebackofthecheck.请在支票背面背书。Thereareinsufficientfundstocoverthecheck.支票存款帐户余额不足。UnitSixTransferandRemittanceBackgroundInformation

Fundtransferarrangementviabanksisanessentialpartofdailybankingoptions.Nowadays,withthedevelopmentofinterbankelectronics,electronicfundstransferbecomesthemostnoteworthyfeatureoftoday’sfinancialservicesindustry.EFTsuseavarietyofsystemsandtechnologiestotransferfundselectronically(ratherbycheckorcash)amongvariousbankaccounts.Theymovemoneybetweenaccountsinafast,secure,lessexpensiveandpaperlessway.BackgroundInformation

Theremittingbank,attherequestofaremitter,sendstherequiredfundstoaremitteeorbeneficiarybythemeansinstructedbytheremitter,throughapayingbank(itsoverseasbranchoritscorrespondingbank).

Usuallytherearefourpartiesinvolvedintheremittance.BackgroundInformation1)Aremitter,alsocalledthepayer,isthepersonwhorequireshisbanktoremitfundstoaremitteeinotherplaceoraforeigncountry.2)Aremittee,alsocalledthebeneficiary,isthepersonwhoisaddressedtoreceivetheremittance.3)Aremittingbankisthebanktransferringfundsattherequestofaremitterthroughitsbranchorcorrespondentbankandinstructingthelattertopayacertainsumofmoneytoaremitteeorabeneficiary.4)Adraweebankisthebankentrustedbytheremittingbanktopayacertainsumofmoneytoaremitteeorabeneficiarynamedintheremittanceadvice.BackgroundInformationTherearethreewaystoremitmoney:1.TelegraphicTransfer(T/T)2.MailTransfer(M/T)3.DemandDraft(D/D)NewWordsandExpressionsNewWordsandExpressionsNotesSWIFTstandsforSocietyforWorldwideInterbankFinancialTelecommunications.Itisanon-profitableworldwideinterbankorganizationwithitsheadquartersinBrussels,Belgium.Asearlyas1973,240largeEuropeanandNorthAmericanbanksfoundedthisinterbankcommunicationnetwork.Itwasestablishedtospeeduptheinterbankcommunicationsandtransferoffundsandsecuritiesinamoreefficientandsecureway.SWIFTisamessagingservice.Eachtypeofmessageisaconditionofwiretransfer.UsefulWordsandSentencestransfer转账remit汇款remittance汇款remitter汇款人remittee收款人remittingbank汇款银行draweebank付款银行cablecharge电报费UsefulWordsandSentencesT/T电汇M/T信汇D/D=demanddraft票汇SWIFT全球银行间金融电信协会CHIPS=ClearingHouseInterbankPaymentsSystem国际银行同业结算系统UsefulWordsandSentencesThereshouldhavebeenatransferoffivethousandyuanfrommyfriend'saccount.我应该有一笔金额为5000元的款项从我朋友的帐户转过来。Whenwasthetransfermade?什么时候转的？Ijustwanttotransfersomemoneyfrommycheckingaccounttomysavingsaccount.我想从我的支票帐户转些钱到我的储蓄帐户里。Pleasewritetheamountyouwanttotransferinwordsaswell.请您再用文字写一下您要转账的金额。Howmuchwouldyouliketoremit?您要汇多少钱？UsefulWordsandSentencesHowwouldyoulikeyourmoneytogo?.您想怎样汇款？DoyouwanttoremitmoneybyT/TorM/T?您想电汇还是信汇？Thecablechargeis20yuan,andweshouldalsochargeyouanservicecommission电报费是20元，另外我们还要收取服务费。Pleasefillouttheremittancerequestwiththenameandaccountnumberofthepayee,yournameandaddress,theamountandthereasonfortheremittance.请您填写汇款申请表，填上收款人的姓名和帐号，您的姓名和住址，回款额及汇款原因UsefulWordsandSentencesExcuseme.Hasmyremittanceof500dollarsfromNewYorkarrived?请问我的来自纽约的500美元汇款到了没有？Wouldyoulikeustocallyouwhenyourmoneyarrives?您的钱到时，我们电话通知您好吗？I'mcallingyouthatyourremittancehasarrived.Wehavemadeacreditentrytoyouraccount.我打电话是通知您，您的汇款已经到了。我们已经贷记到你的帐户里了。UnitSevenCreditCardsBackgroundInformation

Creditcardsareinstrumentsissuedbybankstocustomers(card-holders)toenablethemtoacquiregoods,servicesorcurrencies(whereregulationsallow)oncredit.

Firstly,thecustomerwillbeprovidedwithacardcarryingalineofcreditthatvariesaccordingtothecreditabilityofthecustomer.BackgroundInformation

Then,thecustomercanobtaingoodsorservicesbyshowinghis/hercardtoastore,ahotelorarestaurantthathasapre-arrangementwiththeissuingbanktoacceptcreditcards.Havingexaminedthevalidityofthecard,thesupplierwillcompleteasalesslip.Thefollowinginformationwillbeprocessedonthesliptogetherwiththecreditcardsthroughanimprintersuppliedbytheissuingbank:thecustomer’saccountnumberandname,expirationdateofthecard,andthemerchant’saccountnumberandname.BackgroundInformation

Finally,thecustomerhastosignthesalesslipwhichisthencomparedwiththesignatureonthecard.Insomecases,thecardissuingbankmayapprovetheexceedingofeachsaleamountabovethecardceilinglimit.BackgroundInformation

Afterthesaleorservice,themerchantwillreturnthecardandacopyofthesalessliptothecustomer,keepanothercopyforthefileandsendathirdtotheissuingbankforreimbursementwithinthreebusinessdaysafterthetransactiondate.Ontheotherside,thecustomerwillreceiveamonthlybillfromthebankforpaymentofhis/herpurchase.Usually,he/sheisallowedainterest-freeperiodof20~50days.NewWordsandExpressionsNewWordsandExpressionsNewWordsandExpressionsNOTESUsefulWordsandSentencescreditcardcenter信用卡中心PeonyCard牡丹卡TheGreatWallCard长城卡VISACard维萨卡MasterCard万事达卡AmericanExpressCard运通卡DinnersClubCard大莱卡JCBCardJCB卡UsefulWordsandSentencesGoldenCard金卡ordinarycard普卡POSterminalsPOS机终端creditstanding资信authorization授权lineofcredit信用额度monthlystatement对帐单annualfee年费withdrawalrecord提款记录UsefulWordsandSentencesWhatkindofpeoplecanapplyforthecreditcard?请问什么人可以申请信用卡？Withacreditcard,youdon’thavetocarrymuchmoney.有了信用卡，您就不必随身带许多现金了。OurbankhasanagencyforVISA,Master,Express,DinnersandJCBcards.我行代理维萨卡、万事达卡、运通卡、大莱卡和JCB卡。UsefulWordsandSentencesYoucanuseittomakewithdrawalsandinquiresfromanATM.您可以用卡在ATM机上取款和查询。Foranyamountexceedingthelineofcredit,we’llhavetocalltheauthorizationCenter.金额超过信用额度，我们必须经过授权。We’llchargeyouRMB20yuanforyourreportoftheloss.我们收取您20元人民币的挂是费。Wecanreissueyouacreditcard,butyoushouldpay10yuanforthecostofthecard.我们会给您补发新卡，但您要支付10元的工本费。UnitEightForeignExchangeBackgroundInformationOnNovember27,1996,ChinaformallyliftedallremainingcurrentaccountrestrictionsandbecameanArticleⅧmemberoftheInternationalMonetaryFund.Thepaymentintransferofforeignexchangeforinternationaltransactionsundercurrentaccountwasnolongersubjecttothegovernmentcontrolorrestriction.BackgroundInformationTheStateAdministrationofForeignExchange(SAFE)istheagencyresponsibleforforeignexchangeadministration.TheSAFEhasasimilarbranchstructurewiththatofthePeople’sBankofChina(PBC),China’scentralbank.TheBankofChinaremainstheprincipalforeignexchangebank.OtherbanksandfinancialinstitutionsmayhandledesignatedtransactionswiththeapprovaloftheSAFE.BackgroundInformationForeignexchangeincludesthefollowingmeansofpaymentsandassetsdenominatedinaforeigncurrencythatcanbeusedforinternationalsettlement:Foreigncurrencies,includingbanknotesandcoins;Paymentvouchersdenominatedinforeigncurrency,includingnegotiableinstruments,bankcertificatesofdepositandcertificateofpostalsavings;BackgroundInformationSecuritiesdenominatedinforeigncurrency,includinggovernmentbonds,corporatebondsandstocks;SupernationalcurrenciessuchasSpecialDrawingRightsandtheEuro;Otherassetsdenominatedinforeigncurrency.NewWordsandExpressionsNewWordsandExpressionsUsefulWordsandSentencesforeignexchange外汇foreigncurrency外币exchangerate汇率exchangememo兑换水单buyingrate买入价sellingrate卖出价directquotation直接报价indirectquotation间接报价UsefulWordsandSentencesspotrate即期汇率forwardrate远期汇率USdollar美元Britishpound/poundsterling英镑franc法郎Japaneseyen日元Euro欧元UsefulWordsandSentencesHowmuchdoyouwanttoexchange?您想要兑换多少？Whatkindofcurrencydoyouwant?您要兑换什么货币？I'dliketoknowifyoucouldchangemymoneyintoUSdollarsforme?您能否为我兑换美元？WouldyouliketochangeyourforeigncurrencyintoRMB?您想将外币兑换成人民币吗？UsefulWordsandSentencesYoushouldpresentyourexchangememowhenyoureconvertyourleftoverintoforeigncurrencies.当您想要把剩余的钱兑换成外币时，您应当出示您的兑换水单。Canyougiveme100dollarsinSwissfrancs?你能为我兑换100美元的瑞士法郎吗？PleasetellmethecurrentrateforRMB.请告诉我目前的人民币兑换汇率What'stheexchangerateforUSdollartoRMBtoday?今天美元对人民币的汇率是多少？UsefulWordsandSentencesI'dliketoknowtheexchangerateforJapaneseyen.我想知道日元的汇率。Pleasewaitamoment.I'llfindouttheexchangeratebetweenUSdollarandRMB.请稍候。我查一下美元对人民币的汇率。Today'sexchangerateis6.9yuanto1dollar.今天美元对人民币的汇率是1美元兑换6.9元人民币。Thebuyingrateforcashis690yuanagainst100dollars.美元对人民币的现钞买入价是100美元兑换690元人民币。It’s690yuanfor100dollars.汇率是100美元兑换690元人民币。UnitNineTraveler'sCheckBackgroundInformationTraveler’scheck(traveler’scheque)—atypeofcheckdesignedespeciallyforbusinessorvacationtravelers.Traveler’schecksareissuedbyafinancialinstitutionoratravelagency,suchasAmericanExpress,Citibank,ThomasCook,etc.Thebuyerpaysforthechecksinadvance,andsignsthecheckstwice—oncewhengettingthechecks,andoncewhencashingthechecks.BackgroundInformationTraveler’schecksareissuedinvariousfixeddenominationsandcurrencies,suchas5USdollars,10USdollars,20Britishpoundsandsoon.Theymaybeanywhereintheworld.Manymerchantsreadilyaccepttraveler’schecks.Traveler’schecksareconsideredtheworld’ssafestcurrencybecauseiftheyareeverlostorstolen,theycanbereplacedquicklyandeasily,almostanywhereintheworld,usuallywithin24hours.BackgroundInformation

Theissuinginstitutionsofferthereassuranceofa24-hourglobalrefundservice.Traveler’schecksaresimplysaferthancash,andprovidepeaceofmindwhileyoutravel.Theyalsoallowyoutobudget,trackandcontrolyourtravelexpenseseasily.Inaddition,AmericanExpressTraveler’schecksarethemostwidelyusedandrecognizedtravelcurrencyintheworld.Inaword,traveler’schecksaresafe,convenientandacceptable.NewWordsandExpressionsNewWordsandExpressionsNewWordsandExpressionsNewWordsandExpressionsUsefulWordsandSentencestraveller'scheck旅行支票AmericanExpress美国运通ThomasCook通济隆denomination面值countersign复签inthepresenceof当面PurchaseAgreement购买协议refund退款cash兑现UsefulWordsandSentencesDoyouselltraveller'scheckshere?你这出售旅行支票吗？Iwanttobuysometraveller'scheck.我想购买一些旅行支票。Inwhatdenominations,sir?先生，您要多大面值的。MayIhaveyoursignatureonthetopline?请您在上面的横线上签名。UsefulWordsandSentencesCanyoutellmehowtousetraveller'schecksabroad?你能告诉我在国外如何使用旅行支票吗？Traveller'scheckhasmanyadvantages.Theyaresafe,convenientandacceptable.旅行支票有许多有点，安全，方便，被普遍接受。Pleasecountersignyourcheck.请您复签支票。Youcangetrefundifyouloseyourtraveller'schecks.如果您丢失了旅行支票的话，你可以得到退款。UnitTenReportingaLossBackgroundInformation

Ifacertificateofdeposit,abankpassbookorabankcardislostorstolen,orthepasswordisforgotten,lossreportingmaybehandledatthebankaccordingtothefollowingprocedures:1.Theclientshouldimmediatelyinitiatetheloss-reportingproceduresinwriting.Iftheclientcannotgotothebanktohandlelossreportingintimeandinperson,sheorhemaymakeanorallossreportingbymailorbyphone.Andthentheclientshouldgotothebankwithin7daystohandletheformallossreportingprocedures.Otherwise,theorallossreportingwillbeinvalid.BackgroundInformation

2.TheclientshouldpresentpersonalidentificationsandalsoproviderelateddepositcontentssuchasaccountNo.,accountholder’sname,balance,typeofcurrency.Thelossreportingproceduresmaybehandledafterthebankcertifiesandfindsthemcorrect.BackgroundInformation

3.Inhandlingthelossreportingprocedures,theclientshallfillintheapplicationformforlossreporting,withanextracopyoftheapplicationformkeptbytheclient.Sevendayslater,theclientshallcometothebankwiththecopyoftheapplicationformtogetanewcertificateofdeposit,anewpassbookoranewcard.BackgroundInformation

4.If,afterformallossreportingproceduresarehandled,theoriginallostcertificateofdeposit,passbookorbankcardisfound,theclientmaycancelthelossreportingstatusatthebankbypresentingherorhisidentifications,andalsoreturntheextracopyoftheapplicationform.Theoriginaloneisstillvalid.NewWordsandExpressionsUsefulWordsandSentencespassword/PIN密码bankbook/passbook存折certificateoftimedeposit存单IDcard身份证reporttheloss挂失Doyouhaveapasswordforthelostbankbook?您丢失的存折设有密码吗？UsefulWordsandSentencesIcometoreportmylostbankbook.What'stheprocedure?我来挂失我的存折。如何办理？I'llcheckwhetheryourmoneyisstillonyouraccountornot,accordingtoyournameandIDcardnumber.根据您的姓名和身份证号，我将核查一下您的钱是否还在账上。Couldyoutellmeyourbalanceofaccount?Andshowmeyouridentification.您能告诉您的帐户余额吗？并请出示您的身份证明。Yourmoneywillbetransferredtoanewaccount.您的存款将被转到新帐户里.UsefulWordsandSentencesWe'llchargeyou10yuanforthereportoftheloss.我们收取您10元的挂失手续费。PleasecomeandgetyournewcardtogetherwiththeapplicationformandyourIDcardafter7days.请您7天后持挂失申请书和身份证来领取您的新卡。Youcanmakeatemporaryreportofthelossthroughtelephonebankingoronlinebankingifyoucan'tcometobank.如果您不能来银行的话，可以通过电话银行或者网上银行办理临时挂失。It'syou,yourselfwhocometoourbanktomaketheformalreportoftheloss.必须是您本人到我行来办理正式挂失。UnitElevenPersonalLoansBackgroundInformation

Personalloanisageneralloanofferedbybankstoconsumersforpersonaluse.Howmuchyoucanborrowwilldependonyourloantype,yourloanpurpose,yoursalaryandyourcredithistoryandsoon.Personalloanperiodwillgenerallyrunfrom6monthsto30yearsdependingonthetypeofloan.Mostpe