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有关银行英语的词汇 (5)


有关银行英语的词汇 credit cooperatives 信用社 construction bank 建设银行 industrial and commercial bank 工商银行 bank of communications 交通银行 National City Bank of New York 花旗银行 Hongkong Shanghai Banking Corporat

ion 汇丰银行 central bank, national bank, banker's bank 中央银行 credit union 合作银行 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 investment bank 投资银行 import and export bank (EXIMBANK) 进出口银行 joint venture bank 合资银行 银行英语口语-词汇补充 Banker 银行家 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 Hongkong Shanghai Banking Corporation 汇丰银行 Chartered Bank of India, Australia and China 麦加利银行 Banque de I'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 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 financial 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 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 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 investment 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 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 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 favourable 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 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 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, business hours 营业时间

银行英语口语-兑换货币
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 Japanese yen? 你要把多少汇款换成日圆? What kind of currency do you want? 要哪种货币? What's it you wish to change? 你有什么要换的? What kind of currency do you want to change? 要换哪种货币? 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? Is it in traveler's cheques? 换旅行支票吗? I'd like to know how I shall give it to you. 我想知道如何付钱给你。 How would you like it? 你要什么面额的? Would you kindly sign the exchange form, giving your name and address? 请在兑换单上签字,写出你的姓名和地址,好吗? Can you change me some money, please? 能否请你给我兑换一些钱? Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders. 这些就是:一些法国法郎,瑞士法郎,美圆和一些荷兰盾。 Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change. 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。 Would you mind giving me the six pence in coppers? 劳驾给我 6 便士的铜币。 I'd like to know if you could change this money back into U.S. dollars for me. 我想知道能否把这笔兑回成美圆。 Could you change these French francs for me? 能给我兑换这些法国法郎吗? Can you give me 100 dollars in Swiss francs? 能否给我 100 美圆的瑞士法郎? I'd like to convert the full amount of the remittance into U.S. dollars. 我想把全部汇款换成美圆。 I'd like some coins for this note. 我想把这张纸币换成硬币。 I'd like to break this 50 dollar note. 我想把这张 50 美圆纸币换开。 Five twenties and ten singles, please. 请给我 5 张 20 元和 10 张一元的。 I need 300 dollars in 100-dollar cheques.

我要 300 美圆票面为 100 美圆的支票。 I hope you'll give me ten traveler's cheques of 100 dollars each. 我希望给我 10 张面额为 100 美圆的旅行支票。 In fives, please. 请给我 5 元票面的。 Could you give me some small notes? 给我一些小票好吗? Useful Words and Phrases currency, money 货币 money changing 兑换货币 an exchange form 兑换单 bank note 钞票 note of large denomination 大票 note of small denomination 小票 small change 零钱 subsidiary money 辅币 nickel piece 镍币 plastic currency notes 塑料钞票 convertible money 可兑换(黄金)纸币

银行英语口语--新开帐户
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? 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。 Our minimum deposit for a savings account is 100 dollars. 我们储蓄存款的最低存款额是 100 美圆。 Five yuan is the minimum original deposit. 最低起存款额是 5 元。 You can open a savings account at any time with an initial deposit of 50 dollars. 你可随时以 50 美圆的起存额开立储蓄帐户。 Even one yuan is all right. 甚至一元也可以起存。 Here is your pasbook. 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。 I should 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 bill. 我需开个支票帐户,这样就能付帐。 We'd like to know how we 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。 Can I open a current account here? 我能否在这儿开个活期存款帐户? I want to open a deposit account with you. 我要开个储蓄帐户。 I'd like to open a deposit account with you. 我想在你们这儿开个定期存款帐户。 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 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。 Will 100 yuan be enough for a minimum deposit? 100 元作最低存款额够吗? 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? 第一次储蓄有最低限额吗?

How much does each account cost? 每个帐户要花多少钱? Useful Phrases current deposit, current account 活期存款 fixed deposit, fixed account 定期存款 fixed deposit by installments 零存整取 joint account 联名存款帐户 to open an account 开户头

银行英语口语-存款 How much do you want to deposit with us? 你想在我们这存多少? How much do you wish to pay into your account? 你希望在你的户头上存多少? 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? How much cash do you plan to deposit in your account? 你有多少钱要存入呢? 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。 Would you please fill in the depositing form, giving the sum of money you're to deposit as well as your name, address and professional unit? 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? 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'd like to pay 200 yuan into my deposit account. 我想在在我的定期存款户头上存 200 元。 I want to deposit my paycheck. 我想存入我的工资支票。 I'd like to know whether I can cash a cheque here. 我想知道我能否在这兑换支票。 Will you please cash this traveler's cheque? 请兑现这张旅行支票好吗? I'd like to cash this money order. 我想兑现这张汇款单。 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? 请告诉我兑换支票收手续费吗? Could you tell me how much the checks cost? 请告诉我这些支票要花多少钱? 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。 Please write your account number on the back of the check. 请在支票背面写上你的帐号。 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。 Please endorse the cheque. 请背签这张支票。 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%。 Here's the cheque book. When you send a cheque by post be careful to cross it, but if you wish to cash a cheque yourself, 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。 Each cheque you write will cost 2 dollars. 你每开一张支票将花 2 美圆。 Useful Words and Phrases 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 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 transfer 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

银行英语口语-取款、结余 I'd like to know if I can draw on my account for payment of things I buy in Tianjin. 我想知道一下我是否能提取存款来支付天津购物的费用。 I want to withdraw 200 dollars from my deposit account. 我要从我的定期存款中支取 200 美圆。 I want to close my account with you. 我想结束在你们这儿的帐户。 I'd like to draw 100 yuan against this letter of credit. 我想从这份信用证上提款 100 元。 May I draw money against the letter of credit here? 我可以在这儿用这份信用证取钱吗? Could you tell me my balance? 能否把存款结余金额告诉我? Please let me know my balance. 请告诉我结余金额。 I think you can draw on this account by cheque in payment of goods. 我以为你可用支票提款支付购物费用。 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。 Your letter of credit is used up. 你的信用证用完了。 Please tell me how you wish to draw your money. 请告诉我你希望怎样支款。 Fill our a withdrawal form, please. 请填写取款单。 The letter of credit is exhausted. 信用证上的款子已提清。 The letter at Counter 6 will pay you against your number slip. 六号柜台的出纳员将根据你的号码牌付给你钱。 Useful Words and Phrases to close an account, to clear an account 结清 to draw money 取款 drawing-out slip 取款单 the number slip 号码牌 a withdrawal form 取款单 to fill in the receipt in duplicate 一式两份填这张收据 teller, cashier 出纳员 银行英语口语-储蓄存款利息 What's the interest rate for the savings account? 储蓄存款的利率是多少? 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。 Interest is paid at the rate of 1% per annum at present. 目前每年的利率是 1%。 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 account carries interest of 4%. 该存款有 4%的利息。 The interest is added to your account 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。 Useful Words and Phrases interest rate 利率 simple interest 单利 compound interest 复利 legal interest 法定利息 prime rate 优待利率 payable interest 应付利息 lending rate 贷款利率 usury 高利贷 the subsidy rate for value-preserved savings 保值储蓄补贴率

银行英语口语-外汇率 Tell me the current rate for RMB, please. 请告诉我人民币的现价。 What's your selling rate for RMB yuan in notes today? 你们今天人民币现钞的售价是多少? What's the dollar going for today? 美圆今天的售价是多少? Our buying rate for notes is 523 yuan for 100 dollars. 我们 100 美圆的现钞买入价是 523 元。 It's 200 French francs at today's selling rate. 今天的卖出价是 200 法国法郎。

The buying rate of U.S. dollar notes is 460 yuan per hundred dollars. 美圆现钞买入价是 100 美圆付 460 元。 Useful Phrases buying rate 买进价格 selling rate 卖出价格 And how much will it be in Japanese currency? 换成日本币是多少? How much would I get for 300 Japanese yen? 300 日圆可兑换多少钱? I'd like to know the exchange rate for German marks. 我想知道德国马克的兑换率。 What rate are you giving? 你们提供的兑换率是多少? What's 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. 请告诉我这些美圆可以兑换多少钱。

Please tell me the current rate for sterling. 请告诉我英国货币的现行兑换率。

If you'll wait a moment, I'll find out the rates of exchange. 请等一会儿,我查一下兑换率。

Please wait a moment. I'll find out the exchange rate between U.S. dollars and RMB. 请等一会儿,我查一下美圆对人民币的兑换率。 It's 470 yuan for 100 dollars.

100 美圆可兑 470 元。 The exchange rate today is 200 yen to the pound. 今天的兑换率是一英镑可兑 200 日圆。 The rate for traveler's cheques is 300 yuan against 100 dollars. 旅行支票的兑换率是 100 美圆兑 300 元。 These dollars are worth 1,000 yuan. 这些美圆可换 1000 元。 Useful Phrases exchange table, conversion table 汇兑换算表 foreign exchange 外汇 exchange rate 外汇率 conversion rate 折合率 foreign exchange restriction 外汇限额 foreign exchange quotations 外汇行情 to check the rate for sb. 查牌价

DIALOGUE 1 C= Customer 顾客 T=Teller 职员 T: Can I help you, sir? 能帮你什么忙吗,先生? C: Yes, I want to open an L/C, but I do not know how to work? 对, 我想开个信用正, 但我不明白如何运作? T: Ok, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer (always the importer). It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter (beneficiary). The bank acts as the first payer and this is the most important feature of L/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: I see, would you tell me what is the main content of an L/C? 我明白了, 你能告诉我信用证的主要内容吗? T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/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: Then how can I send an L/C to my customer? 那么, 我怎么才可以向我的客户开出信用证呢? T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent (advising bank) will send the L/C to the exporter. 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: How can my customer receive the proceeds? 我的客户怎样才能收到钱? T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer,s account when releasing the shipping documents to the importer. The whole transaction now comes to the end. 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: I see, Thank you very much 我明白了,谢谢你! T: you are welcome! 别客气!

DIALOGUE 2 C=Customer T=Teller 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? 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: Of course. We would be happy cash it for you. 当然, 我很乐意为您兑现。 C: I was going to cash it at the hotel, but one of my friends said that banks always give better exchange rates. 我原本打算在家旅馆兑现, 但我朋友说银行的兑现率通常有点高。 T: Well, any bank will cash it at our present traveler,s check-buying rate, which we somewhat better than at hotels because of the service charge. You see, hotels are not 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。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: You mean there is really not much of a difference? 您是说,实际上银行与旅馆的兑换率差距并不大。 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,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 will 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. T: And will you please sign this foreign exchange request? I have already written down your name and address for you, but I will read your passport number. 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。

T: Mr. Bang, you have made a check for RMB35,000. But you have only RMB20,000 in your account. 潘先生,您开了一张 3。5 万元人民币的支票,但是您的帐户只有人民币 2 万元。 C: That is strange! There should have been a transfer of RMB30,000 from CCB Bank. 真奇怪,因该有 3 万元人民币从 CCB 银行转进来才对。 T: When should the transfer have been made, sir? 什么时候转的呢,先生? C: This morning, I called up CCB Bank this morning and they told me they could make the transfer right away. 今天早上。我今天早上打电话给 CCB 银行,他们告诉我说他们可以立即转。 T: I see. I will go and check. 我知道了,我会去检查核对一下。 C: Yes, please, and call CCB Bank. 是的,拜托了,请打电话给 CCB 银行。 T: Certainly, sir. 当然,先生。

DIALOGUE Negotiation 押汇
C: Excuse me, do you provide any trade service here? 你们有提供贸易押汇服务吗? T: Yes, we do. Can I help you, sir? 有的,先生。我能为你效劳吗? C: Yes, I would like to know how about the services you provide to customers in which credit facilities are not required? 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. The services will include export financing; outward bills collection transferable letters of credit, letters of credit advising and confirmation, inward bills collection, trade information and insurance. 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: How can I benefit from your export services? 那么在出口押汇文件的处理上,我所享有的服务有怎样? T: Our staff works until 6:00pm each weekday night so that your export documents can be promptly processed. This will greatly help your cash flow. In addition, we can dispatch documents to your counterpart,s bank for earlier payment. In turn, will save your transit interest. 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: By the way, can I fax my instruction to your bank? 那么,我可以将押汇指示以传真方式通知贵行吗? T: Sure, this is what we always encourage our customers to do. Besides, as we have an advance-computerized system to process the documents efficiently and accurately, you can use our electronic facilities for trade transactions 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: Can your bank provide training or seminars on trade documentation to our company? As we note that it is very difficult to train new staff. 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, we do. This service will be subject to your request. 我们会的。这服务将根据你们的需要和要求而定。 C: Okay. I will think about it seriously and will probably contact you again later. Thanks a lot! 好的,我将详细考虑这项服务,我会再联络你,谢谢! T: Not at all! 不用客气!

Making Inquiries Of A Customer Dialogue One Clerk: Hello. Would you like to open a saving account? 职员:您好!您要开立一个储蓄帐户吗? Customer: Yes, I would like to. 顾客:是的,我想开立一个储蓄帐户。 Clerk: How much cash do you plan to deposit in you account? 职员:您想在您的帐户上存多少现款? Customer: RBM¥5,000,please. 顾客:请帮我存入人民币 5,000 元。 Clerk: All right. May I ask your name and address? 职员:好。请问您的姓名和地址。 Customer: Wad Woolworth. No.105,Jianshe Road. 顾客:我叫韦德· 伍尔斯。地址是建设路 105 号。 Dialogue Tow Clerk: Excuse me, but may I ask your name and account number? 职员: 对不起,您的姓名和帐号是什么? Customer: Ah, I forgot to fill in. My name is Sully Thomas. My account number is 78007476. 顾客:啊,我忘记填写了。我叫萨利· 托马斯。我的帐号是 78007476。 Clerk: How do you want your money? 职员:这笔钱您要多少面值的现金? Customer: Five tens, please. 顾客:五张十元的吧。 Clerk: O.K. By the way, do you have a telephone number? Our office is to move someday this month. I can tell you our new location. 职员:可以。顺便问问,您的电话号码是多少?我们的办公地点这个月要搬迁,我可以打电话告诉您我们的新办公地点。 Customer: It is 3352496. Thank you very much. 顾客:我的电话号码是 3352496。谢谢你。 Dialogue Three Clerk: Good morning, sir. Do you want to change your money, do not you? 职员:早上好,先生,您要兑换钱吗? Customer: Yes, I do. 顾客:是的,我想兑换钱。 Clerk: What kind of currency do you want to change? 职员:您要兑换哪种货币? Customer: Dutch guilders, please. 顾客:请帮我兑一些荷兰盾。 Clerk: Would you mind if I asked your nationality? 职员:请问您的国籍是哪里的? Customer: Turkey. I am from Turkey. 顾客:土耳其。我来自土耳其。 Clerk: Here is your money. What is your passport number? 职员:给您钱。您的护照号码是多少? Customer: It is P356470. 顾客:是 P356470。 Clerk: Thank you. 职员:谢谢。

Dialogue One 对话(1) Customer: Excuse me , but can I draw on my account for payment of things I buy in China ? 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. How much do you draw? 职员:当然可以,先生。您要取多少钱? Customer: RMB 8,000 please. Would you please tell me my balance? 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. Your balance is RMB 34,000. 职员:好的,先生。你的帐户余额是人民币 34000 元。 Customer: I am sorry, but may I ask one more question? 顾客:对不起,我能不能再问一个问题? Clerk: Of course, please do. What is it? 职员:当然可以了。请问是什么问题? Customer: What is the interest rate for the saving account? 顾客:储蓄存款的利率是多少? Clerk: The detailed information is on the board. Please go and see it. 职员:详细的情况在那块利率牌上。请去那里看看吧。 Customer: Many thanks. 顾客:非常感谢。 Dialogue Tow 对话(2) Customer: Excuse me, but could you help me? 顾客:对不起,能帮我一个忙吗? Clerk: With pleasure. What can I do for you? 职员:很高兴为您效劳。我能为您做些什么? Customer: Could you tell me where I can find Mr Zhang? 顾客:请告诉我张先生在哪里,好吗? Clerk: Sure Miss. Mr Zhang is upstairs. 职员:没问题,小姐。张先生在楼上。 Customer: Thank you very much. 顾客:非常感谢。 Clerk: Not at all, miss. 职员:不客气,小姐。 Dialogue Three 对话(3) Customer: Do you charge for cheques? 顾客:请问,兑换支票你们收手续费吗? Clerk: Yes we do. Each cheque you write will cost RMB 2. 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: Do I have to deposit a large sum of money if I want to open a chequing-savings account? 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: Not necessarily, sir. 职员:不一定的,先生。 Customer: Regarding the interest rate, what is the difference between a savings account and checking account? 顾客:在利率方面,储蓄存款和支票存款有什么不同? Clerk: Not big difference, sir. 职员:没有太大的区别,先生。 Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit? 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。

Making Requests To A Customer (向客户提请求) Clerk: Would you please fill out this form? It is necessary for you to draw money. 职员:取款需要填单,请您填写这张单,好吗? Customer: By all means. 顾客:当然可以。 Clerk: Oh, I am sorry to trouble you, but could you write the sum in the word, not in the figures? 职员:喔,对不起,打扰您了,您可以用文字填写而不是用数字写出金额吗? Customer: Yes, I would love to. 顾客:好的。 Clerk: You have got a wrong word here. Would you mind correct it? 职员:您写错了一个字。请您改正一下,好吗? Customer: Sorry. I will. 顾客:真对不起,我改。 Clerk: Thank you. Here is your money. 职员:谢谢。这是您的钱。 Dialogue Tow 对话(2) Clerk: Would you please do me a favor? 职员:请您帮个忙好吗? Customer: Yes. What is it? 顾客:好的。什么事呢? Clerk: Pass me the pen on the counter, please. 职员:请帮忙把柜台上的钢笔给我。 Customer: Here you are. May I change some foreign currency here? 顾客:给你。我能换些外币吗? Clerk: Yes, please. What kind of currency do you want to change? 职员:可以。请问您想换什么外币呢? Customer: Swiss Francs. 顾客:瑞士法郎。 Clerk: I am not quite sure how to put this, but do you think you could possibly change the date? 职员:我真不知道怎么说才好, 不过您能改天过来吗? Customer: You mean I can not change Swiss Francs today, and come again another day, don,t you? 顾客:你是说我今天不能兑换瑞士法郎,得改天再来是吗? Clerk: Exactly ,sir. May I have your telephone number? I will call you when Swiss Francs are ready for you. 职员:对极了,先生。请留下您的电话号码,好吗?如果我们把瑞士法郎准备好了,再打个电话给您。 Customer: Thank you. This is my name card. 顾客:谢谢。这是我的名片。

Making Suggestion To A Customer (向客户提建议) Dialogue one Customer: Hello, I would like to open an account, but I do not know what account it should be. 顾客:你好。我想开立一个帐户,但我不知道要开哪种帐户。 Clerk: Do you often deposit money and draw money ? 职员:您经常存钱和取钱吗? Customer: No, I do not. I just want to deposit my salary and use this account to pay the things I buy at department stores once a month. 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, it will be a good idea for you to open a checking account. Do you think so? 职员:那么您还是开立一个支票帐户的好。您认为怎么样? Customer: All right ,if that account will make. 顾客:行,如果这个帐户合适的话。 Dialogue Two Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me? 顾客:你好,先生。我是日本人。我的英语不太好,你能帮忙吗? Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do. 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, I want to change some money, but I do not know how to fill out the exchange memo. 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: Would you care to give me your passport and write your name on the paper? 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: There you are. My name is Tanaka. 顾客:给你护照和姓名,我叫田中。 Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment? 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: I would like to. Thanks. 顾客:好的,谢谢。 Clerk: Hello, Mr. Tanaka. I was wondering if you would ever thought of conversing the unused Renminbi back into Japan yen later? 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, if I will have Renminbi left. 顾客:是的,如果有没用完的人民币的话,就要换成日圆。 Clerk: So, If I may make a suggestion , please keep your exchange memo safe, 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: Thank you indeed. I will do that. 顾客:我会保管好的。谢谢。 Clerk: Not at all. 职员:不用谢。

L/C(信用证) (对话) C= Customer 顾客 T=Teller 职员 T: Can I help you, sir? 能帮你什么忙吗,先生? C: Yes, I want to open an L/C, but I don't know how to work? 对, 我想开个信用正, 但我不明白如何运作? T: Ok, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer (always the importer). It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter (beneficiary). The bank acts as the first payer and this is the most important feature of L/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: I see, would you tell me what's the main content of an L/C? 我明白了, 你能告诉我信用证的主要内容吗? T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/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: Then how can I send an L/C to my customer? 那么, 我怎么才可以向我的客户开出信用证呢? T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent (advising bank) will send the L/C to the exporter. 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: How can my customer receive the proceeds? 我的客户怎样才能收到钱? T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer's account when releasing the shipping documents to the importer. The whole transaction now comes to the end. 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: I see, Thank you very much 我明白了,谢谢你! T: you're welcome! 别客气!


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