2022年银行基本业务口语_精 .pdf

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1、银行基本业务口语新开What kind of account did you havein your mind? 你想开哪种 ? Do you like to open a current account? 你想开一个活期存款吗? 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 ? Theres a service charge for the checking account but no charge for the savi

2、ngs. 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。Even one yuan is all right. 甚至一元也可以起存。Here is

3、 your passbook. Please bring it back when you deposit or withdraw moneyany time you like. Keep it welland 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。I need a checking account so that I can pay my bill. 我需开个支票， 这样就能付帐。 I have a chec

4、king account here. 我在这里有一个支票存款。I think Id like a deposit account. 我想要开个定期存款。Could you tell me the difference between a savings account and a checkingaccount? 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. 请告诉我开个储蓄需要什么手续。Will 100 yuan be enough for a minimum deposit? 1

5、00 元作最低存款额够吗？Id like some coins for this note. 我想把这纸币换成硬币。Id like to break this 50 dollar note. 我想把这50 美圆纸币换开。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

6、是六厘。 Could you tell me how to operatethis account? 请告诉我如何经管这个好吗？current deposit, current account 活期存款fixed deposit, fixed account 定期存款名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 1 页，共 10 页 - - - - - - - - - 取款、结余Id like to know if I can draw on my account for paym

7、ent 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。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。Fill our a withdrawal form, please. 请填写取款单

8、。The cashier at Counter 6 will pay you against your number slip. 六号柜台的出纳员将根据你的牌付给你钱。to fill in the receipt in duplicate 一式两份填这收据teller, cashier 出纳员外汇率Tell me the current rate for RMB, please. 请告诉我人民币的现价。Whats your selling rate for RMB yuan in notes today? 你们今天人民币现钞的售价是多少？Whats the dollar going for t

9、oday? 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。Its 200 French francs at todays 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。buying rate 买进价格selling rate 卖出价格If youll wait a mo

10、ment, Ill find out the rates of exchange. 请等一会儿，我查一下兑换率。Id like to know the exchange rate for German marks. 我想知道德国马克的兑换率。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。These dollars are worth 1,000 yuan. 这些美圆可换1000元。Its 470 yuan for 100 dollars.100 美圆可兑470 元。银行业务部门名称中英对照Board of

11、Directors 董事会President 行长Executive Office 经理办公室Personnel Dept. 人事部General Affairs Dept. 总务部Co-ordination & Planning Dept. 综合计划部International Dept. 国际业务部Overseas Branches Dept. 海外部Foreign Exchange Dept. 外汇资金部First Credit Dept. 信贷一部Second Credit Dept. 信贷二部名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - -

12、 - - - - - 名师精心整理 - - - - - - - 第 2 页，共 10 页 - - - - - - - - - Accounting Dept. 财会部International Clearing Dept 国际清算部Banking Dept. 营 业 部Credit Card Dept. 信 用 卡 部General Auditing Dept. 总稽核室Computer Center 电脑部Training Management Dept. 教育部Trust and Consultation Co. 信托咨询公司I need some more cash for my vis

13、it in China. May I cash a travelers check here? 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？Wed be happy cash it for you. 我很乐意为您兑现。Overdraft（透支）Cash Card（现金卡）Debit Card（借记卡）Credit card（信用卡）pay-in slip 存款单a deposit form 存款单deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折ov

14、erdraft, overdraw 透支principal 本金credit cooperatives 信用社bank statement 对帐单strong room, vault 保险库banking hours, business hours 营业时间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。Clerk: Certainly, sir. How much do you draw? 职员：当然可以，先生。您要取多少钱？Clerk: Sure M

15、iss. Mr Zhang is upstairs. 职员：没问题，小姐。先生在楼上。Customer: Do you charge for cheques? 顾客：请问，兑换支票你们收手续费吗？Clerk: Not necessarily, sir. 职员：不一定的，先生。Clerk: Yes we do. Each cheque you write will cost RMB 2. 职员：是的，我们收手续费。您每开一支票就要花人民币2 元。Clerk: Not big difference, sir. 职员：没有太大的区别，先生。Clerk: Definitely. 职员：足够了。向客户提

16、建议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，但我不知道要开哪种。 Clerk: Do you often deposit money and draw money ? 职员：您经常存钱和取钱吗？I just want to deposit my salary and use this account to pay the things I buy at department stores 名师资料总结 - - -精品资料

17、欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 3 页，共 10 页 - - - - - - - - - 我只想把工资存入并且用这个来支付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的好。您认为怎么样？My English is poor 我的英语不太好Clerk: Not at all 职员：不用。非常遗憾 , 本公司目前实在无力结

18、清该帐。We tegret that we are not able at the moment to make you a settlement. a banding machine自动存取机to endorse背书endorser 背书人to cash 兑现blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根construction bank 建设银行industrial and commercial bank 工商银行bank of communications交通银行industrial bank 实业银行join

19、t venture bank 合资银行depreciation accounting 折旧会计cost accounting成本会计business accounting 商业会计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

20、inflation 通货膨胀deflation 通货收缩devaluation 货币贬值revaluation 货币增值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I want to deposit 300 yuan in my ac

21、count. 我想在我的户头上存300 元。失效支票，过期支票stale cheque 未获兑现支票，退票returned cheque 开发支票to make out a cheque 填写支票数额to fill up a cheque 透支支票 to overdraw a cheque 支票退票to dishonour a cheque to refuse a cheque 拒付支票已过期 |无效out of date| stale 存款不足N/S|N.S.F.|not sufficient funds|I/F|insufficient funds 文字与数字不一致words and fi

22、gures differ 支票毁损cheque mutilated 汇款 |寄钱to remit|to send money 寄款人a remitter 收款人 a remittee 逾期汇票overdue bill 电汇telegraphic transfer (T.T) 定期付款payment on term 年 分 期 付 款annual payment 月 分 期 付 款monthly payment|monthly instalment 预付货 |先付payment in advance|prepayment 延 付 货 款deferred payment 立 即 付 款prompt

23、 payment|immediate payment 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 4 页，共 10 页 - - - - - - - - - 结清to clear off|to pay off 请求付款to ask for payment | to request payment 恳求付帐to solicit payment 货到付现款cash on arrival 即时付款prompt cash 储蓄存款利息Whats the interest rate for

24、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 in

25、terest 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 Phrasesinterest rate 利率simple interest 单利compound interest 复利leg

26、al interest 法定利息名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 5 页，共 10 页 - - - - - - - - - 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 保值储蓄补贴率支票结算T: Hello! May I help you? 您好，您有事需要帮忙吗？C: Yes, I hope so.

27、I need some more cash for my visit in China. May I cash a travelers 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. Wed 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

28、友说银行的兑现率通常有点高。T: Well, any bank will cash it at our present travelers check-buying rate, which we somewhat better than at hotels because of the service charge. You see, hotels arent really in the money exchange business although they will cash travelers 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

29、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 theres 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。名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 6 页，共 10 页 - - - - - - - - - T: No, madam, not very much. 是的，夫人，没多大

30、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100 美圆的 3 支票兑现吗？我想该够用了。T: Yes, Ill 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。回答客户问题Customer: Excuse me , but can I draw on my account for payment of things

31、 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。你的余额是人民币34000元。Customer: I am sorry, bu

32、t 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

33、客：非常感。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：请告诉我先生在哪里，好吗？Clerk: Sure Miss. Mr Zhang is upstairs. 职员：没问题，小姐。先生在楼上。名师资料总结 - - -精品资料欢迎下载 - -

34、 - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 7 页，共 10 页 - - - - - - - - - Customer: Thank you very much. 顾客：非常感。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

35、手续费。您每开一支票就要花人民币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，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

36、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。300 美圆作最低存款额够了吗？Clerk: Definitely. 职员：足够了。支票用语支票薄cheque book 支票票人cheque drawer 持票人cheque holder 不记名支票cheque to

37、bearer|bearer cheque 记名支票 |认人支票cheque to order 到期支票antedated cheque 未到期支票postdated cheque 保付支票certified cheque 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 8 页，共 10 页 - - - - - - - - - 未获兑现支票，退票returned cheque 横线支票crossed cheque 普通横线general crossing 特别横线special cro

38、ssing 空白支票blank cheque 失效支票，过期支票stale cheque 普通支票open cheque 打 10% 折扣的 10000元支票，（即 9000元）a cheque for $10,000, less 10% discount 加 10% 费用的 10000元支票，（即 11000元）a cheque for $10,000, plus 10% charges 支票换现金 |兑现to cash a cheque 清理票款to clear a cheque 保证兑现to certify a cheque 填写支票数额to fill up a cheque 支票上划线

39、to cross a cheque 开发支票to make out a cheque 签发支票，开立支票to draw a cheque|to issue a cheque 透支支票to overdraw a cheque 背书支票to endorse a cheque 请付票款 |清付票款to pay a cheque|to honour a cheque 支票退票to dishonour a cheque 拒付支票to refuse a cheque 拒付支票to stop payment of a cheque 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - -

40、 - - - - - - - - - 名师精心整理 - - - - - - - 第 9 页，共 10 页 - - - - - - - - - 提示要求付款to present for payment 见票即付持票人payable to bearer 支付指定人payable to order 已过期 |无效out of date|stale 请给出票人R/D|refer to drawer 存款不足N/S|N.S.F.|not sufficient funds|I/F|insufficient funds 文字与数字不一致words and figures differ 支票交换时间已过account closed 更改处应加盖印章alterations require initials 交换时间已过effects not cleared 停止付款payment stopped 支票毁损cheque mutilated 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 10 页，共 10 页 - - - - - - - - -