银行基础知识相关英语50661.docx

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1、n更多企业学院： 中小企业管理理全能版183套讲座+897000份资料总经理、高层层管理49套讲座+116388份份资料中层管理学院院46套讲座+66020份资料国学智慧、易易经46套讲座人力资源学院院56套讲座+227123份份资料各阶段员工培培训学院77套讲座+ 324份资料员工管理企业业学院67套讲座+ 8720份份资料工厂生产管理理学院52套讲座+ 139200份资料财务管理学院院53套讲座+ 179455份资料销售经理学院院56套讲座+ 143500份资料销售人员培训训学院72套讲座+ 4879份份资料n更多企业学院： 中小企业管理理全能版183套讲座+897000份资料总经理、高层

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3、词典：FFECT听力力：FECTT词汇：其他经济金融类类英语资料推推荐：金融英语-高级级-银行业务务与管理-银银行基础知识识英语通知储蓄存款 Noticce depposit is deefinedd as oone thhat dooes noot havve deffinitee termm whenn makiing deepositts andd the typess are choseen in advannce (nnow thhere aare twwo typpes: oone daay nottice ddeposiit andd seveen dayys nottice d

4、deposiit), aand yoou musst infform tthe baank beefore the wwithdrrawal of thhe datte andd amouunt off withhdrawaal. Ussuallyy the minimmum ammount of nootice depossit iss 50,0000 RMMB yuaan in a lummp summ withh the minimmum wiithdraawal ssum noot lesss thaan 50,000 RRMB yuuan eaach tiime. YYou caan

5、 depposit moneyy in aa lumpp sum and wwithdrraw mooney iin a llump ssum orr by sseveraal timmes. 通知储储蓄存款是一一种存款人在在存入款项时时不约定存期期，预先确定定品种（目前前分一天通知知储蓄存款、七七天通知储蓄蓄存款两个品品种），支取取时需提前通通知银行，约约定支取日期期及金额的储储蓄存款方式式。一般5万万元起存，最最低支取金额额5万元，一一次存入，可可分一次或多多次支取的储储蓄存款。通信存款 Depoosits by coorresppondennce reefer tto thee way

6、in whhich ooverseeas Chhinesee, Honng Konng, Maacao aand Taaiwan compaatriotts, Chhinesee of fforeiggn nattionallity aand doomestiic ressidentts appprovedd to ssettlee downn or sstudy abroaad autthorizze dommesticc bankks to handlle savvings depossits ffor thheir ffunds abroaad. 通信存存款是指华侨侨、港澳台胞胞、外籍华

7、人人及批准出境境定居或留学学的国内居民民，将其在国国外的资金委委托国内银行行办理储蓄存存款的一种方方式。 A cliennt sennding a lettter aauthorrizingg the bank to haandle the ddeposiits byy corrresponndencee may go thhroughh the accouunt oppeningg proccedurees by attacching dupliicatess of hhis orr her ID caard, ppasspoort orr exitt passs and otherr va

8、liid creedentiials, filliing ouut thee Appllicatiion Foorm foor Opeening Accouunt off Depoosits by Coorresppondennce, cchoosiing thhe typpe of depossits aaccordding tto thee typees of serviices aalreaddy traansactted byy the bank (say, currrent ddeposiit, tiime deepositt and curreent-tiime opptionaa

9、l deppositss, etcc.), aand allso prre-asssign tthe meethod of wiithdraawal llater. 来信委委托银行办理理通信存款开开户的客户，须须附身份证、护护照或出境通通行证等有效效证件的影印印件，填写“通通信存款开户户申请书”，根根据银行已开开办的业务种种类（如活期期、定期、定定活两便等）选选择存款种类类，并约定日日后的支取方方式，即可办办理开户手续续。储蓄存款挂失业业务 If aa certiificatte of depossit, a bank passbbook or a seal of a cliennt is l

10、ost or stoleen, or the passwword is forgootten, the loss reporrting may be handlled at the bank as the folloowing proceeduress: 客户的储储蓄存单、存存折、印鉴如如不慎遗失、被被盗或密码遗遗忘，可按下下列手续到银银行办理挂失失： Thee cliennt shalll immeddiatelly handlle the writtten loss reporrting proceeduress at the origiinal depossitoryy bank. In

11、 reporrting loss, the cliennt shalll preseent the persoonal credeentialls (ID card, residdence permiit, passpport, etc.) and also proviide the relatted depossit inforrmatioon such as accouunt, accouunt holdeers name, time of accouunt openiing, amounnt, type of curreency and maturrity. The loss repor

12、rting may be acceppted afterr the bank certiifies them correect, and the bank confiirms that the paymeent has not been made beforre the loss reporrting is handlled. If the cliennt can not be preseent at the bank in handlling the loss reporrting, he or she may authoorize anothher persoon to handlle i

13、t on his / her behallf and at the same time the credeentialls of the agentt shalll be preseented. The loss reporrting of passwword may not be handlled on agenccy. 客户应应立即到原存存款行办理书书面挂失手续续，挂失时客客户应持本人人身份证件（身身份证、暂住住证、护照等等）并提供账账户、户名、开开户时间、金金额、币种、期期限等有关存存 款内容，经经银行审核无无误后即可办办理挂失，银银行经查实确确未支付方可可受理。如客客户不能亲自自前往银

14、行，可可委托他人代代办挂失，同同时提供代办办人身份证件件。密码挂失失不 准代办。 个人外汇预结汇汇业务 If yyou reemit ffund ffrom aabroadd intoo Chinna andd wantt to ppay thhe benneficiiary iin RMBB, bannk oveersea officce cann convvert iit intto RMBB accoordingg to tthe exxchangge ratte levvel onn the remitttancee day and iinformm domeestic officce

15、 to pay RRMB fuund too the benefficiarry apppointeed by you. 如您在在境外向国内内汇入汇款，并并要求以人民民币交付给收收款人，银行行境外机构可可先按照汇款款日的汇率水水平折成人民民币，告知国国内机构，并并将人民币款款项交付给您您指定的收款款人。外币兑换业务 Bankks cann handdle thhe excchangee betwween RRMB annd forreign curreenciess at ccurrennt quootatioons onn the day. Conveertiblle currrenciie

16、s inncludee US ddollarr, HK dollaar, Jaapanesse yenn, Eurro, Ennglishh pounnd, Swwiss ffranc, Austtraliaan dolllar, Singaapore dollaar, Noorwegiian krrone, Danissh kroone, MMacao patacca, Neew Zeaaland dollaar, annd etcc. Thhe bannks caan hanndle fforeiggn excchangee purcchase for oofficiial fooreig

17、nn visiit grooups. You aare onnly reequireed to take the eexit ppaper approoved bby thee Admiinistrrationn of FForeiggn Excchangee for the bbankss examminatiion beefore acquiiring foreiign exxchangge. Fooreignners lleavinng thee counntry ccan coonvertt the unuseed RMBB, whiich weere coonvertted whhe

18、n thhey ennteredd the counttry, iinto fforeiggn currrenciies acccordiing too theiir passsportts andd origginal foreiign cuurrenccy connversiion reeceiptts witthin ssix moonths. 银行可可按当日牌价价为您办理人人民币与外币币的兑换。可可兑换的货币币包括：美元元、港币、日日元、欧元、英英镑、瑞士法法郎、澳大利利亚元、新加加坡元、加拿拿大元、瑞典典克郎、挪威威克郎、丹麦麦克郎、澳门门元和新西兰兰元等。 银行可可办理公派出出国团

19、组的购购汇业务。您您只需持外汇汇管理局审批批的出国批件件，经银行审审核无误后即即可予以供汇汇。 境外人人员离境前，可可在银行凭本本人护照和六六个月内原工工商银行外币币兑换水单将将入境时兑换换的未用完的的人民币兑回回外币。零存整取定期储储蓄SmallSaavingssforLuump-suumWithhdrawaal零存整取取定期储蓄 Timme depossit of smalll savinngs for lump-sum withddrawall referrs to savinngs depossit whosee termss are agreeed, and whosee fixed

20、d amounnt is depossited everyy monthh when openiing an accouunt. The minimmum amounnt of depossit is 5 RMB yuan and the maturritiess rangee from threee gradees: 1 year, 3 yearss and 5 yearss. 零存整取取定期储蓄存存款是指开户户时约定存期期，每月固定定存额，起存存金额为5元元人民币，存存期分一年、三三年、五年的的一种储蓄存存款形式。 外币定活两便存存款 Savinngs/Tiime Opptionaal D

21、eppositss 定活两便便存款 Saavingss/timee optiional depossit inn foreeign ccurrenncy arre reggisterred deepositt withhout ffixed amounnt, wiithoutt defiinite maturrity, whosee inteerest rate variees in line with the llengthh of mmaturiity. TThe miinimumm amouunt off depoosit iis thee foreeign ccurrenncy wii

22、th a valuee not less than the eequivaalent of 500 RMB yuan. The longeest maaturitty is 1 yeaar, annd thee inteerest is coomputeed at a disscountt ratee releevant to thhe corrrespoondingg gradde of interrest rrate ffor tiime deepositts of lump-sum ddeposiiting and llump-ssum wiithdraawal aaccordding

23、tto thee actuual nuumber of daays deepositted. TThe innteresst is compuuted wwith rrefereence tto intterestt ratee of tthe RMMB Timme/Currrent Optioonal DDeposiits. 外币定定活两便存款款是一种不确确定存期，利利率随存期长长短而变动的的记名式不定定额存款。起起存金额不低低于人民币550元的等值值外币。存期期最长为1年年，按实存天天数，符合整整存整取定期期存款哪个档档次就按该档档次利率打折折计息。计息息参照“人民民币定活两便便储蓄存款”

24、。代理境外消费退退税 Signnifiedd by the signiing of the “Agenncy Persoonal Duty Refunnd Colleectionn for Consuumptioon Abroaad” agreeement by ICBC Shangghai Brancch, Beijiing Brancch and the worldd renowwned refunnd agenccyGloobal Refunnd Inc., ICBC took the lead in the counttry to offerr Agenccy Duty Refunnd

25、 for Consuumptioon Abroaad. 以工商银银行上海、北北京分行与世世界著名退税税机构环环球退税公司司签定“代理理个人托收境境外消费退税税业务”协议议书为标志，工工商银行率先先在国内开办办了代理境外外消费退税业业务。 No matteer yourre a domesstic or foreiign residdent, afterr consuuming in over 130,0000 shopss with Globaal Refunnd Tax Free Shoppping mark in Austrria, Belgiium, Denmaark, Finlaand

26、, Francce, Germaany, Englaand, Greecce, Hollaand, Icelaand, Irelaand, Italyy, Luxemmburg, Norwaay, Portuugal, Spainn, Swedeen, Switzzerlannd, Singaapore, Argenntina, Czechhoslovvakia, and so on, you can take your identtificaation certiificatte, shoppping receiipts, and Globaal Refunnds refunnd check

27、ks with Custooms seal acquiired from thesee shopss to ICBC to handlle spot cash duty refunnd or colleect fund from your desiggnatedd accouunt. You enjoyy conveenientt serviice of consuumptioon abroaad and refunnd at home. 无论您 是国内居民民还是外国居居民，在奥地地利、比利时时、丹麦、芬芬兰、法国、德德国、英国、希希腊、荷兰、冰冰岛、爱尔兰兰、意大利、卢卢森堡、挪威威、葡萄牙

28、、西西班牙、瑞典典、瑞 士、新加坡坡、阿根廷、捷捷克等国家的的13万多家家有Globbal Refunnd “TAX FREE SHOPPPING”标标志的商店消消费后，均可可持身份证件件、购物收据据以及从这些些商店获得的的加盖海关图图章的Gloobal Refunnd退税支票票等，来工商商银行办理即即时现金退税税业务或通过过您指定的账账户收取款项项，享受到“境境外消费、境境内退税”的的便捷服务。 外币定期存款Time Deepositts of Lump-sum DDeposiit andd Withhdrawaal 外币整整存整取定期期存款 Timme deppositss of llum

29、p-ssum deepositt and lump-sum wwithdrrawal are ffixed depossits tthat aare deepositted byy lumpp-sum, and whosee prinncipall and interrest aare paaid byy lumpp-sum upon maturrity. The tterms of deepositt are dividded innto fiive grrades: 1 moonth, 3 monnths, 6 monnths, 1 yeaar or 2 yeaars. TThe Baan

30、k isssues regissteredd certtificaates oof depposit for ssuch ddeposiits. 整整存整取定期期存款为固定定存期，一次次存入，到期期一次支取本本息，存期分分为1个月、33个月，6个个月，1年，22年五个档次次。银行出具具记名式存单单。 Forreign curreenciess withh a vaalue nnot leess thhan thhe equuivaleent off 500 RMB yyuan ffor a B-typpe depposit, or fforeiggn currrenciies wiith a

31、valuee not less than the eequivaalent of RMMB50 yyuan ffor a C-typpe depposit. Suchh depoosit mmay bee withhdrawnn fullly or partiially priorr to mmaturiity foor oncce, orr, upoon autthorizzationn in aadvancce, haandledd on aagencyy reneewal oof deppositiing uppon maaturitty by the bbank. 乙种存款为为不低于人

32、民民币500元元的等值外币币；丙种存款款为不低于人人民币50元元的等值外币币。本存款可可允许全部或或部分提前支支取一次，也也可预约由银银行代办到期期转期 续存存。活期存折储蓄存存款 Currrent ppassboook deepositt is ddefineed as one tthat ddoes nnot haave deefinitte terrm witth thee miniimum aamountt of 11 RMB yuan in thhe acccount; thatt the depossitorss can make depossits oor witthdrawwa

33、ls aat anyy timee withhout ssubjecct to amounnt limmits aafter you aare isssued a depposit passbbook bby thee saviings oofficee 活期存存折储蓄存款款是指不确定定存期，起存存金额为1元元人民币，开开户后由储蓄蓄机构发给存存折，凭存折折存取款，存存取金额不受受限制的一种种储蓄方式。外币携带证业务务 The bank s cliennt with foreiign curreency depossit accouunt need withddraw foreiign exc

34、haange and take foreiign curreency to go abroaad afterr his succeessfull appliicatioon for settlling down abroaad or visitting famillies, traveeling, invesstigatting or studyying is approoved, he can make an appliicatioon to the origiinal businness officce. The bank is to issuee a “Foreeign Exchaang

35、e Holdiing Permiit for Goingg Abroaad ” to the cliennt accorrding to proviisionss. 在银行存存有外币的储储户，如获准准出境定居、探探亲、旅游、考考察、学习等等需要提取外外币存款，携携带外币出境境时，可向原原存款营业网网点提出申请请，银行将按按规定签发“携携带外币出境境许可证”。定活两便储蓄存存款 Timee-demaand opptionaal depposit is deefinedd as oone thhat dooes noot havve a ddefiniite teerm wiith thhe mi

36、nnimum amounnt of 50 RMMB yuaan in the aaccounnt; thhat deeposittors ccan maake deepositts or withddrawalls at any ttime wwithouut subbject to ammount limitts aftter yoou aree issuued a depossit ceertifiicate or deepositt passsbook by thhe savvings officce. Thhe cerrtificcate oof depposit has ttwo k

37、iinds: regissteredd or uunregiistereed. Thhe unrregisttered certiificatte cannt bee repoorted loss. The passbbook mmust bbe reggisterred. TThe reegisteered ccertifficatee or ppassboook caan be reporrted lloss. 定活两两便储蓄存款款是指不确定定存期，起存存金额为500元人民币，开开户后由储蓄蓄机构发给存存单或存折，存存户凭存单（折折）存取款，存存取金额不受受限制的一种种储蓄方式。存存单有两

38、种类类型：记名存存单和不记名名存单。不记记名存单不能能挂失。存折折必须记名，记记名存单（折折）可以挂失失。金融英语-高级级-银行业务务与管理-银银行业务英语语：取款，结余： Id liike too knoww if II can draw on myy accoount ffor paaymentt of tthingss I buuy in Tianjjin. 我想知知道一下我是是否能提取存存款来支付天天津购物的费费用。 I wwant tto witthdraww 200 dollaars frrom myy depoosit aaccounnt. 我要从从我的定期存存款中支取2200美

39、圆。 I want to close my account with you. 我想结束在你们这儿的帐户。 Id 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 dra

40、w 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

41、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

42、receipt in duplicate 一式两份填这张收据 teller, cashier 出纳员银行基本业务： What kkind oof acccount did yyou haave inn yourr mindd? 你想开开哪种帐户? Do you llike tto opeen a ccurrennt acccount? 你想开开一个活期存存款帐户吗? A ddeposiit or curreent acccountt? 定期还还是活期? Pleease ttell mme howw you wouldd likee to ddeposiit youur monney. 请告诉诉

43、我你想存何何种户头? Theeres a serrvice chargge forr the checkking aaccounnt butt no cchargee for the ssavinggs. 支票户户头要收服务务费，现金户户头不收。 Ourr miniimum ddeposiit forr a saavingss accoount iis 1000 dolllars. 我们储储蓄存款的最最低存款额是是100美圆圆。 Fivve yuaan is the mminimuum oriiginall depoosit. 最低起起存款额是55元。 Youu can open a savv

44、ings accouunt att any time with an innitiall depoosit oof 50 dollaars. 你可随随时以50美美圆的起存额额开立储蓄帐帐户。 Eveen onee yuann is aall riight. 甚至一一元也可以起起存。 Heere iss yourr pasbbook. Pleasse briing itt backk whenn you depossit orr withhdraw moneyy any time you llike. Keep it weell annd infform uus wheeneverr you l

45、ose it. 这是你你的存折，存存取款时请带带来。保管好好存折，遗失失请告诉我们们。 I sshouldd likee to oopen aa currrent aaccounnt. 我想开开一个活期存存款帐户。 I nneed aa checcking accouunt soo thatt I caan payy my bbill. 我需开开个支票帐户户，这样就能能付帐。 Wed likke to know how wwe opeen a ccheckiing-saavingss accoount. 我们想想知道如何开开一个支票储储蓄帐户。 I hhave aa checcking acc

46、ouunt heere. 我在这这里有一个支支票存款帐户户。 I tthink Id llike aa depoosit aaccounnt. 我想要要开个定期存存款帐户。 Cann I oppen a curreent acccountt heree? 我能否否在这儿开个个活期存款帐帐户？ I wwant tto opeen a ddeposiit acccount with you. 我要开开个储蓄帐户户。 Idd likee to oopen aa depoosit aaccounnt witth youu. 我想在在你们这儿开开个定期存款款帐户。 Couuld yoou telll me the ddifferrence betweeen a savinngs acccountt and a cheeckingg