银行英语考试阅读：什么是银行.docx

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1、银行英语考试阅读：什么是银行 为了帮助大家学好银行英语，下面我给大家带来银行英语考试阅读：什么是银行，希望对大家有所帮助! 银行英语考试阅读：什么是银行 Whenever banks are mentioned in China， it is natural to be associated with the Peoples Bank of China. This is because its branches can be found in the cities in this country， and this bank is commonly known as the leading b

2、ody of the Chinese banking system which includes state commercial banks such as the Agricultural Bank of China， Bank of China， the Construction Bank of China， the Industrial and Commercial Bank of China， Bank of Communications， and other banking institutions. 在中国，人们一提到银行，就自然而然地和中国人民银行联系起来。这是因为它的分支机构

3、在全国的各城市都能找到，通常被认为是包括国有商业银行，比如中国农业银行、中国银行、中国建设银行、中国工商银行、交通银行，以及其它金融机构在内的中国金融体系的主管部门。 But what is a bank then? It may be advisable to define a bank as an institution for doing financial work. Here， each specialized bank has its own business activities，but there are two basic functions in common. 那么，什么

4、是银行?将银行说明为办理金融业务的机构可能是较为恰当的。这里，每家专业银行都有各自的业务范围，但一般有两项基本职能。 One is to accept deposits of money from customers; The other is to make loans to the customers who wish to borrow. With the continuous development of Chinas economy and trade， especially after the country has opened to the outside world， ban

5、ks will be playing more and more important role in our lives. 一是汲取客户的存款; 二是向那些想借款的客户发放贷款。 随着中国经济和贸易的持续发展，尤其是对外开放以后，银行将会在我们的生活中发挥越来越重要的作用。 New Words： 1.mention vt. 2.associate vt. 3.branch n. 4.leading adj. 5.body n. 6.banking n. 7.system n. 8.specialized adj. 9.construction n. mercial adj. municatio

6、n n. 12.investment n. 13.institution n. 14.advisable adj. 15.define vt. 16.financial adj. 17.function n. 18.accept vt. 19.deposit n. 20.loan n. 21.customer n.单词： 1.提及，说起 2.使发生联系，使联合 3.分行，分部 4.领导的，第一位的，最主要的 5.主体，团体 6.银行业 7.系统，体系，制度，体制 8.特地的，专科的 9.建筑，建设 10.商业的，贸易的 11.交通，通讯 12.投资 13.公共机构，协会，制度 14.可取的，明

7、智的 15.定义，具体说明 16.财政的，金融的 17.功能，作用 18.接受，承兑 19.存款 20.(借出的)贷款，借出 21.顾客，客户 Phrases and Expressions be associated with leading body banking system state commercial banks Agricultural Bank of China Bank of China Construction Bank of China Industrial and Commercial Bank of China Bank of Communications ban

8、king institutions 中国人民银行英语考试笔试题 最终央行的求职历程(11月9日-12月5日，2009)，今日可以打住了，虽然有些感伤，死在了笔试的路上，觉得最对不起的不是自己，而是姐姐及爸爸的信任，此时我不知道怎么向她诉说这个消息，似乎静默的把它吞在心里，烧烤着我吧!但是在应届生上得到了这么多求职帮助，我也想把自己的感想写下来，供大家共享，祝愿那些已通过笔试的同学也能顺当通过面试，没有过的同学也不要泄气，我们还有机会奋斗的! 时间：am，10：00-12：00，2009年12月5日 ;共计五大题;考试地点：福师大旗山校区，报考单位：广东河源支行，审核通过：77人。 今年有210

9、0多号人，聚在那里，不说别的，就是这个考生就让你感觉有震撼的。(当时还有现场一些“警察”)当然，核心要说是考试题目：许多考题是和银行业务相关的英语表述，假如平常没有接触的话，估计很难能在这次考试中有轻松的感觉，所以我觉得有些慌，我用了110分钟。这个考题和去年的相差很大，但总体上说来今年英语类考试详细如下： 一， 单选题，10道。 记得题目有: 存款保证金是按什么标准收取的(储蓄资产，商行总资产，.) C.M，评级标准的是(1， AAAA， 1 level，standing) 央行现代职能是从什么时候起先的(1986，1984，1985，) 外汇预期下降，会产生什么样的结果 商业银行不能从事的

10、业务(credit, treasure bonds,.) 实物交易不要的是(golden, printed currency,.) 其他的不知道了，“.”表示记不清晰了，你可以参考一下，其他的同学的回忆吧， 二， 完型填空，20道。 主要说是关于全球温室效应(warming)的探讨方法的演化，文章整体难度不大，看2篇基本能懂 ，只是选一个恰当的词填空，的确有些耗时间。 三， 阅读，4篇。 前两篇是说明文，第一篇是：人类与机器人的发展演化，较为简洁。 其次篇，似乎遗忘了。(感觉有点像2005年的探讨生入学考试题的完型填空改编的) 第三篇，说的是经济学中的逆向选择：一种是行为上的，一种是道德上。

11、第四篇，说的整个经济环境的衰退对银团贷款的影响。 四，翻译，2部分。 第一篇， 英译汉，说的futures(期货)合同的订立须要在清算中心的参加完成，这样才能保证，合同的双方的权益。 其次篇， 汉译英，说的信用社的起源及基本内容。很简洁，知道一些专出名字，翻译也就不成问题了。 五， 作文，整个试卷最简洁的部分了，120字，论述电脑是好还是坏。 PS: 其次天，就能知道笔试结果了，但是只有过与不过，没有成果。英语专业招的最少，全省不到29人参考; 一般一个单位只招一个英语的，所以很难保证你是否进如面试，不同听说似乎是说1：5的比例面试的，也就是说假如你考不到前五名，那么进入面试的机会也就很少了;

12、 考前打算，也不是没有方向可行，多了解中英文金融基础学问，肯定对你考试有帮助的，而非往年说的像高考题一样的，考一些基础语法。自己去衡量吧，你进入的是银行，而非只是英语本身而与; 所以，我这次幻想破灭了，只能把希望放在中银和招商的了，这次肯定要仔细打算了。不然又是奢侈一个机会了! 银行术语-银行业务例文 银行业务例文 定期存款的条件为年利6%，存期6个月以上，只要金额1,000元，我们均乐意接受。We shall be pleased to receive a fixed deposit for any amount more than $1,000, for a period over six

13、 months at the rate of 6% p.a. 谨同函寄上新开定期存款第500号存折一份，面额100,000元，请查收为荷。该面额等于您寄来换新的旧存=折本金加上利息之和。Enclosed please find a new deposit certificate No. 500 for $100,000, which represents the principal and interest of the old certificate you sent us for renewal. 如存款为100元以上，我们将乐意接受。We shall be glad to receive

14、 deposits of 100 yen and upward. 结算到目前为止，我公司应收帐尚有二万美元。兹奉上结算报告书一份，敬请查收为荷。Enclosed we hand you a statement of account to date, showing a balance of $20,000 in our favour, which we trust will be found in order.上开帐目，现正核对，如无错误，将遵照贵公司的指示，将转入新开的帐户内。This account is under examination, and if found correct, i

15、t shall be carried to a new account, in conformity with your instructions.您昨日函敬悉。兹遵照贵方恳求，同函附上结算报告书，敬请惠予查收为荷。Your favour of yesterday was duly received, and we hand you herewith a statement of your account as requested, which we hope you will find correct.兹奉上棒铁总价为512,000元清单一份，恳请列入我公司贷方帐项为荷。We hand yo

16、u our account on the bar iron, amounting to $512,000, which kindly pass to our credit. 恳求付款恳请速予汇款为荷。an early remittance will be appreciated.迟付的60美元, 请速予寄下为荷。Please let us have your check for the $60 now past overdue.有鉴于此, 信任贵方将随复函寄来支票, 特此致谢。With these facts before you , we feel sure that you will se

17、nd us your check by return mail. Thank you.我们请求, 对此部分能速予结帐为荷。We urge that you make this settlement without delay.何不马上对此案作一结算?请在今日将支票随函发出即可。Why not settle this matter now? Just attach your check to this letter, and send it by today's mail. 催告付款为加清本帐目，我方多次督促，但未有任何效果。所以为收回本帐款项，打算向法院起诉，特此通知。Having m

18、ade repeated applications for apyment of this amount without avail, we now give you notice that we shall take out a summons for recovery of the same.下星期一以前未能清结本件款项，不得已，将委任我公司顾问律师处理。We wish to state that if the account be not paid by Monday next, we shall be forced to place the matter in the hands o

19、four solicitors.贵方虽多次答应付款结帐，但迄今尚未结清。如在本月底以前，尚未拔款结清，只好托付我公司顾问律师处理。In spite of your repeated promises to let us have a cheque, we are still without a settlement of your outstanding account, and therefore, unless same is settled by the end of this month, we shall be compelled to hand over the matter to

20、 our solicitor.对于此事，贵方好像在趁机利用我公司的宽容看法。本函系最终通告所，复函时请汇足够金额，以结此帐，否则只好实行其它途径，特此函告。As you seem to take advantage of you leniency in this matter, we now give you the final notice that, unless we shall receive a substantial amount on account by return of post, we shall adopt other measures for its recovery

21、. 汇票汇款例文兹同函奉上支票面额50000元，请记入近藤幸造先生的帐款内，同时请寄收 据二份为荷。Herewith we enclose a cheque, value $50,000, which please place to the credit of Mr. K.Kondo, and acknowledge receipt to us in duplicate.依照佐藤先生指示并受其托付，兹奉上即期汇票一纸面额200000元。请贷入该人的帐户为荷。By order and for account of Mr.Satoh, I hand you enclosed a draft for

22、 $200,000 at sight, which please pass to the credit of his account.兹奉上面额250000元的支票一张，敬请交付收据为荷。I send you herewith a cheque, value $250,000, receipt of which please acknowledge.为结清5月1日贵方发票，我们奉上三尾银行汇票面额125000元，惠请记入本公司贷方帐户，并惠请开出收据为荷。In settlement of your invoice of 1st May, $125,000, we enclose a draft

23、, on the Mitsuo Bank, for which amount please credit our account and acknowledge receipt. 付款已收到为结清托付销售，我们已收到面额100000元支票一张，现已转入贵贷方帐户，特别感谢。We acknowledge receipt of your cheque, $100,000, in settlement of the charges on the consignment, and pass this sum to your credit, with best thanks.我们于昨日收到贵函及面额55

24、000元支票一张，感谢。We are in due receipt of your favour of yesterday, covering a cheque for $55,000, for which we thank you.我们已收到贵方5月5日函及同函附寄的面额51250元的汇票一张，用以结清贵方帐款。We are duly in receipt of your favour of the 5th May, enclosing a draft, value $51,250, to balance your account.为结清到5月15日为止的贵方帐款，贵方所寄面额31250元支

25、票我们已经收到。We acknowledge with thanks the receipt of the cheque for $31,250, in settlement of your account to 15th May. 开立汇票我们于本日向贵公司开出第123号面额500000元。汇票一张见票即付。We have this day drawn the following bill of exchange on your esteemed firm- No.123, $500,000, payable at sight.遵照贵方指示，我们已于本日向田中公司开出见票后60日付款的面额2

26、00000元汇票一张，费用包括在内。We have to acquaint you that, in accordance with your instructions, we have this day drawn upon Messrs, tanaka & Co., at 60d/s for $200,000, inclusive of charges.我们已于本月开出由贵方所指定的人于三个月后付款的面额为100000元汇票一张，恳请惠予承兑为荷，特此通知。We advise you that we have drawn on you this day for $100,000,

27、at 3m/d, to the order fo yourself, which we commend to your kind protection.我们于本月向贵方开出三个月后付款的面额为500000元的汇票一张。对此，我们依惯例，记入贵贷方帐内，特此通知。we have the pleasure to inform you that we have drawn this day on you for $500,000, at 3m/s. for which we have credited you as usual. 恳求开出汇票因葡萄酒尚未售出，近期也难有攻观，我方目前不能遵照齐滕先生

28、的指示将余额向贵方开出汇票或汇给贵方。As the wines are not yet disposed of, nor likely to be for some time, we cannot obey Mr. Saito's orders as to drawing on you or remitting you the balance at present.如有机会，请向本人开出煤炭价款加上保险费的汇票。对于这批出口货物，为弥补发生损害的损失，请办理保险并在货值上再加保5%金额。Should you have an opportunity, you may draw on me

29、 for the cost of coal, together with that of insurance, which you will be so good as to effect on the outward cargo to its full value, with an addition of five per cent, to cover expenses in case of loss.为收回款项，请依照最有利的汇率，向我方开出见票后60日付款的汇票，并请同时供应发票、提单及保险单为荷。For your reimbursement, you will draw on me a

30、t sixty days' sight, and at the most favourable exchange, furnishing me at the same time, with an invoice, bill of lading and insurance policy.对贵方的发票金额，请向汉堡A公司开出见票后三个月付款的汇票，附寄该公司提单一份，并请该公司办理保险。For the amount of your invoice, you will be so good as to draw on Messrs. A & Co. of Hamburg, at th

31、ree months' date, and forward them a bill of lading, requesting them to effect insurance. 恳求承兑汇票兹向贵公司开陈这批货见票后60日付款、面额500,000元汇票一张，请予承兑为荷。We have taken the liberty of drawing on you today against this consignment for $500,000 at sixty days' sight, which please protect on presentation.我同函寄上由Ax

32、bridge的布莱克先生付款、见票后30日付款的面额为50美元汇票一张,请向付款人提出后请其承兑，并予保管，到期请将金额给我汇来。不胜感谢。I take liberty to trouble you with the enclosed draft for $50, at thirty days' sight, on Mr. Black of Axbridge, which I shall be obliged by your getting accepted, and retaining in your possession until due, at which time you c

33、an remit me the amount.我公司伦敦分公司开出面额300,000元的汇票一张，兹同函奉上，请承兑后寄还为荷。Enclosed we hand you a draft, $300,000, drawn on you by our London house. Kindly accept same and return.同函奉上神户Brown兄弟公司向贵公司开出的汇票一张，恳请惠予承兑后并刚好寄还为荷。Herewith we hand you a draft from Messrs. Brown & Bros., of Kobe, on your goodselves,

34、which please accept and return to us in due course. 寄汇票同函奉上由贵城三木银行付款、面额为500,000元的即期汇票一张，收到后敬请告知为荷。We hand you enclosed a draft, value $500,000 at sight, on the Mitsuki Bank of your city, receipt of which please acknewledge.兹同函奉上以Robert父子公司为付款人、面额26.15美元的即期汇票一张，用以清偿所欠贵方债务。Enclosed is a sight draft fo

35、r $26.15 on Messrs. Robert & Sons, which clears off our indebtedness to you.谨同函奉上以George Bury公司为付款人、面额500美元见票后60日付款的第一联汇票一张，请办理手续取款后，记我的贷方帐户为荷。Enclosed you will receive first of exchange for $500 at sixty days' sight, on George Bury &Co., with which you will please to do the needful, and

36、 credit my account accordingly.同函寄上五张汇票，金额总计为5,620,000元，详见注脚。Enclosed please find five bills of exchange, as noted at foot, amounting to $5,620,000. 承兑汇票贵方9月1日函及所附以George Bury公司为付款人、面额500美元见票后60日付款的汇票一张均已收悉，现已获得刚好承兑，到期后将记入贵方贷方帐户。I am favoured with your esteemed letter of the first Sept., encloseing

37、$500 in a bill at sixty days' sight, on George Bury & Co., which, having been duly honoured, will appear to your credit at maturity.你方由本人指定以Martin公司为付款人的三张汇票，已由史密斯公司承兑。Your three drafts on Martin & Co., to my order, have been accepted by Smith & Co.贵方10月7日开出的，票面日期30天后付款、由贵方指定付款人的汇票，将

38、刚好获得承兑。Your draft under date of th 7th Oct., at 30 days' date to your own order, will be duly honoured. 无法承兑汇票我们很缺憾地声明，以须藤先生为付款人的票面560,000美元的汇票已遭拒付，我们不得不要求贵方汇寄567,500美元。包括由此而产生的费用在内。We regret to state that the bill for $560,000 on Mr. sutoh, hsa been dishonoured by non-payment, and we shall be o

39、bliged by your remitting us $567,500, amount of same and charges incurred.由矢野先生承兑的贵方汇票第2345号、面额2,500,000美元，已遭拒付，特此声明。We state that your draft, No. 2345, for $2,500,000, duly accepted by Mr. Yano, has been dishonoured by non-payment.3月1日已通知贵方的未获承兑的汇票，金额1,000,000美元，虽已到期但未获清偿。我不得不将该票寄还并附寄拒付证书一份以及我的佣金和费

40、用的帐目一份。这笔金额共计1,013,500美元，我已向贵方开出凭大木先生或指定付款人的即期汇票一张，请查收。The draft for $1,000,000 which, as I advised you on the 1st March had not been accepted, having since become due and not being discharged, I have now to return it to you with a protest for non-payment, together with an account of my commission a

41、nd charges, amounting to $1,013,500, for which I have drawn on you at sight, to the order of Mr. Ohki. 恳求延期付款我公司小泽先生因急事出差大阪，5月1日以前不能返回，故该件请宽延至5月1日，我们将于5月2日汇款。Our Mr. Osawa is away in Osaka on an urgent business, and will not return until the 1st May, and so if you will kindly let the matter stand ov

42、er till then, we will send you a cheque by the first post on the 2nd of the same month.数日之内我们将有三笔大额近款，所以我们最迟于下星期一以前定给贵方汇款。As we expect to receive three large sums within the next few days, days, we will send you some money by Monday at the latest.对6月1日应付款项，假如能延些时间，我将特别感谢。I shall be very much obliged

43、 if you will give me a little more time to settle your account due 1st June. 无力付款特别缺憾，本公司目前实在无力结清该帐。We tegret that we are not able at the moment to make you a settlement.贵公司要求该帐在7月16日以前结清，但我公司唯恐无能为力，我们将乐意接受贵方二个月期的汇票以结清这笔款项。We are afraid it will be impossible for us to settle your account by the 16th

44、 July next-the date you mention-but we shall be willing to accept a bill for the settlement at 2 m/date.由于目前生意普遍地不景气，由我公司承兑、10月18日到期、面额1,500美元的汇票将无法兑现。 Owing to the serious depression of trade now prevailing, we shall be unable to meet our acceptance for $1,500, which matures for payment on the 18th

45、 Oct. 往来账目兹同函奉上贵方的往来帐，余额为15.7美元，于本日列入新帐借方内，敬请核查见复为荷。Enclosed I wait on you with your account current, balance carried to your debit this day in a new account, $15.7, which Itrust you find correct.谨同函奉上贵方的往来帐，我方顺差500美元，如核查无误，请列入新帐为荷。Enclosed I now wait on you with your account current, leaving a bala

46、nce of $500 in my favour, which if found correct, you will be so good as to pass to a new account.兹同函寄上贵方的往来帐，其上显示我方顺差500美元。I hand you, enclosed, your account current, showing a balance in my fivour of $500. 分期付款我们送货后，顾客干脆向我们办分期付款。我们收款时，要将收据交付顾客。The customer pays the instalments direct to us, after

47、delivery o fthe articles and we send him the receipts.您租用我公司的缝纫机一台，同时送上一张契约书，记明您应为此每月付款15美元。You have on hire from us a sewing machine, for which we hold your written agreement to make regular payments at the rate o f$15 per month.我们约定分期付款而将该机械组给贵公司运用。我们希望贵公司对此协议能严格履行。As the machine was hired to you on the understanding that regular payments would be made, we must ask that in future the terms of the afreement should be strictly adhered to. 付款日通知敬请留意，我公司对市区的付款日，订于每周星期三上午11时起至下午3时。