《常见银行英语》课件.ppt

常见银行名称及银行类别 中国人民银行People sBankofChina中国工商银行IndustrialandCommercialBankofChina中国农业银行AgriculturalBankofChina中国建设银行ConstructionBankofChina中国银行BankofChina招商银行ChinaMerchantsBankCo Ltd兴业银行IndustrialBankCo Ltd交通银行BankofCommunications华夏银行HuaxiaBank中信银行CITICBankofChina中国光大银行ChinaEverbrightBankofChina 中国民生银行ChinaMinshengBankingCo Ltd广东发展银行GuangdongDevelopmentofChina深圳发展银行ShenzhenDevelopmentofChina上海浦东发展银行ShanghaiPudongDevelopmentBank中国投资银行InvestmentBankofChina中国邮政储蓄银行PostalServiceofChina中国农业发展银行AgriculturalDevelopmentBankofChina国家开发银行ChinaDevelopmentBank国家进出口银行Export ImportBankofChina北京银行BankofBeijiang宁波银行BankofNingbo杭州银行BankofHangzhou花旗银行NationalCityBankofNewYork汇丰银行HongkongShanghaiBankingCorporation ChaseBank大通银行Citibank花旗银行HongkongShanghaiBankingCorporation汇丰银行CharteredBankofIndia AustraliaandChina麦加利银行BanquedeI IndoChine东方汇理银行centralbank nationalbank banker sbank中央银行bankofissue bankofcirculation发行币银行commercialbank商业银行 储蓄信贷银行memberbank creditbank储蓄信贷银行discountbank贴现银行exchangebank汇兑银行requestingbank委托开证银行 常用银行用语 accountnumber帐号depositor存户pay inslip存款单adepositform存款单abandingmachine自动存取机todeposit存款depositreceipt存款收据privatedeposits私人存款certificateofdeposit存单depositbook passbook存折 creditcard信用卡principal本金overdraft overdraw透支tocountersign双签toendorse背书endorser背书人tocash兑现tohonoracheque兑付todishonoracheque拒付tosuspendpayment止付 cheque check支票chequebook支票本ordercheque记名支票bearercheque不记名支票crossedcheque横线支票blankcheque空白支票rubbercheque空头支票chequestub counterfoil票根cashcheque现金支票traveler scheque旅行支票 chequefortransfer转帐支票outstandingcheque未付支票canceledcheque已付支票forgedcheque伪支票Bandar snote庄票 银票banker银行家president行长savingsbank储蓄银行 issuingbank openingbank开证银行advisingbank notifyingbank通知银行negotiationbank议付银行confirmingbank保兑银行payingbank付款银行associatebankerofcollection代收银行consignedbankerofcollection委托银行clearingbank清算银行localbank本地银行domesticbank国内银行 overseasbank国外银行unincorporatedbank钱庄branchbank银行分行trusteesavingsbank信托储蓄银行trustcompany信托公司financialtrust金融信托公司unittrust信托投资公司trustinstitution银行的信托部creditdepartment银行的信用部commercialcreditcompany discountcompany 商业信贷公司 贴现公司 neighborhoodsavingsbank bankofdeposit街道储蓄所creditunion合作银行creditbureau商业兴信所self servicebank无人银行landbank土地银行constructionbank建设银行industrialandcommercialbank工商银行bankofcommunications交通银行mutualsavingsbank互助储蓄银行postofficesavingsbank邮局储蓄银行 mortgagebank buildingsociety抵押银行industrialbank实业银行homeloanbank家宅贷款银行reservebank准备银行charteredbank特许银行correspondingbank往来银行merchantbank acceptingbank承兑银行investmentbank投资银行importandexportbank EXIMBANK 进出口银行jointventurebank合资银行 moneyshop nativebank钱庄creditcooperatives信用社clearinghouse票据交换所publicaccounting公共会计businessaccounting商业会计costaccounting成本会计depreciationaccounting折旧会计computerizedaccounting电脑化会计generalledger总帐subsidiaryledger分户帐 cashbook现金出纳帐cashaccount现金帐journal day book日记帐 流水帐baddebts坏帐investment投资surplus结余idlecapital游资economiccycle经济周期economicboom经济繁荣economicrecession经济衰退 economicdepression经济萧条economiccrisis经济危机economicrecovery经济复苏inflation通货膨胀deflation通货收缩devaluation货币贬值revaluation货币增值internationalbalanceofpayment国际收支favourablebalance顺差adversebalance逆差 hardcurrency硬通货softcurrency软通货internationalmonetarysystem国际货币制度thepurchasingpowerofmoney货币购买力moneyincirculation货币流通量noteissue纸币发行量nationalbudget国家预算nationalgrossproduct国民生产总值publicbond公债stock share股票 debenture债券treasurybill国库券debtchain债务链directexchange直接 对角 套汇indirectexchange间接 三角 套汇crossrate arbitragerate套汇汇率foreigncurrency exchange reserve外汇储备foreignexchangefluctuation外汇波动foreignexchangecrisis外汇危机discount贴现 discountrate bankrate贴现率goldreserve黄金储备money financial market金融市场stockexchange股票交易所broker经纪人commission佣金bookkeeping簿记bookkeeper簿记员anapplicationform申请单bankstatement对帐单 letterofcredit信用证strongroom vault保险库equitabletaxsystem等价税则specimensignature签字式样bankinghours businesshours营业时间 银行英语口语 新开帐户 Whatkindofaccountdidyouhaveinyourmind 你想开哪种帐户 Doyouliketoopenacurrentaccount 你想开一个活期存款帐户吗 Adepositorcurrentaccount 定期还是活期 Pleasetellmehowyouwouldliketodeposityourmoney 请告诉我你想存何种户头 There saservicechargeforthecheckingaccountbutnochargeforthesavings 支票户头要收服务费 现金户头不收 Ourminimumdepositforasavingsaccountis100dollars 我们储蓄存款的最低存款额是100美圆 Fiveyuanistheminimumoriginaldeposit 最低起存款额是5元 Youcanopenasavingsaccountatanytimewithaninitialdepositof50dollars 你可随时以50美圆的起存额开立储蓄帐户 Evenoneyuanisallright 甚至一元也可以起存 Hereisyourpasbook Pleasebringitbackwhenyoudepositorwithdrawmoneyanytimeyoulike Keepitwellandinformuswheneveryouloseit 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 Ishouldliketoopenacurrentaccount 我想开一个活期存款帐户 IneedacheckingaccountsothatIcanpaymybill 我需开个支票帐户 这样就能付帐 We dliketoknowhowweopenachecking savingsaccount 我们想知道如何开一个支票储蓄帐户 Ihaveacheckingaccounthere 我在这里有一个支票存款帐户 IthinkI dlikeadepositaccount 我想要开个定期存款帐户 CanIopenacurrentaccounthere 我能否在这儿开个活期存款帐户 Iwanttoopenadepositaccountwithyou 我要开个储蓄帐户 I dliketoopenadepositaccountwithyou 我想在你们这儿开个定期存款帐户 Couldyoutellmethedifferencebetweenasavingsaccountandacheckingaccount 请告诉我储蓄存款与支票存款的区别好吗 Pleasetellmetheprocedureforopeningasavingsaccount 请告诉我开个储蓄帐户需要什么手续 Will100yuanbeenoughforaminimumdeposit 100元作最低存款额够吗 I dliketoknowwhethera200yuandepositwillbeenoughforopeningacheckingaccount 我想知道开一个支票帐户200元存款是否够 Couldyoutellmehowtooperatethisaccount 请告诉我如何经管这个帐户好吗 Isthereanyminimumforthefirstdeposit 第一次储蓄有最低限额吗 Howmuchdoeseachaccountcost 每个帐户要花多少钱 UsefulPhrasescurrentdeposit currentaccount活期存款fixeddeposit fixedaccount定期存款fixeddepositbyinstallments零存整取jointaccount联名存款帐户toopenanaccount开户头 银行英语口语 存款 Howmuchdoyouwanttodepositwithus 你想在我们这存多少 Howmuchdoyouwishtopayintoyouraccount 你希望在你的户头上存多少 Howmuchmoneydoyouplantokeepinyouraccountonaregularbasis 你计划在你的户头上定期存放多少钱 Howmuchcashdoyouplantodepositinyouraccount 你有多少钱要存入呢 Ithinkyoumaydeposityourmoneywiththebank orleaveitherefortemporarysafe keeping 我认为你可把钱存入银行 或留在银行暂保管起来 Wouldyoupleasefillinthedepositingform givingthesumofmoneyyou retodepositaswellasyourname addressandprofessionalunit 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 Iwanttodeposit300yuaninmyaccount 我想在我的户头上存300元 Iwanttodepositthesechequesinmyaccount 我想把这些支票存在我的户头上 I dliketopay200yuanintomydepositaccount 我想在在我的定期存款户头上存200元 Iwanttodepositmypaycheck 我想存入我的工资支票 I dliketoknowwhetherIcancashachequehere 我想知道我能否在这兑换支票 Willyoupleasecashthistraveler scheque 请兑现这张旅行支票好吗 I dliketocashthismoneyorder 我想兑现这张汇款单 Iwanttocashthebalanceofatraveler sletterofcredit 我要把旅行信用证的结余兑现 Willyoupleasetellmewhetheryouchargeforcheques 请告诉我兑换支票收手续费吗 Couldyoutellmehowmuchthecheckscost 请告诉我这些支票要花多少钱 WhatifIoverdraw 如果透支了怎么办 Pleasesignyournameonthebottomlineifyouwanttocashthecheck 如果想兑支票 请在底线上签名 Pleasewriteyouraccountnumberonthebackofthecheck 请在支票背面写上你的帐号 Wehonoredthecheckastheoverdraftwasonly5yuan 我们承兑这张支票的透支额只有5元 Pleaseendorsethecheque 请背签这张支票 Thetraveler scheckscost1 5 ofthetotalamountofpurchase 旅行支票手续费是购买总额的1 5 Here sthechequebook Whenyousendachequebypostbecarefultocrossit butifyouwishtocashachequeyourself youmustleaveit 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 Eachchequeyouwritewillcost2dollars 你每开一张支票将花2美圆 UsefulWordsandPhrasesaccountnumber帐目编号depositor存户pay inslip存款单adepositform存款单abandingmachine自动存取机todeposit存款depositreceipt存款收据privatedeposits私人存款certificateofdeposit存单depositbook passbook存折 creditcard信用卡principal本金overdraft overdraw透支tocountersign双签toendorse背书endorser背书人tocash兑现tohonoracheque兑付todishonoracheque拒付tosuspendpayment止付 cheque check支票chequebook支票本ordercheque记名支票bearercheque不记名支票crossedcheque横线支票blankcheque空白支票rubbercheque空头支票chequestub counterfoil票根cashcheque现金支票traveler scheque旅行支票 chequefortransfer转帐支票outstandingcheque未付支票canceledcheque已付支票forgedcheque伪支票Bandar snote庄票 银票 银行英语口语 取款 结余 I dliketoknowifIcandrawonmyaccountforpaymentofthingsIbuyinTianjin 我想知道一下我是否能提取存款来支付天津购物的费用 Iwanttowithdraw200dollarsfrommydepositaccount 我要从我的定期存款中支取200美圆 Iwanttoclosemyaccountwithyou 我想结束在你们这儿的帐户 I dliketodraw100yuanagainstthisletterofcredit 我想从这份信用证上提款100元 MayIdrawmoneyagainsttheletterofcredithere 我可以在这儿用这份信用证取钱吗 Couldyoutellmemybalance 能否把存款结余金额告诉我 Pleaseletmeknowmybalance 请告诉我结余金额 Ithinkyoucandrawonthisaccountbychequeinpaymentofgoods 我以为你可用支票提款支付购物费用 Yourbalanceatthebankis300yuan 你在本行的结余是300元 Yourdepositisexhausted 你的存款支净了 Yourletterofcreditisusedup 你的信用证用完了 Pleasetellmehowyouwishtodrawyourmoney 请告诉我你希望怎样支款 Fillourawithdrawalform please 请填写取款单 Theletterofcreditisexhausted 信用证上的款子已提清 TheletteratCounter6willpayyouagainstyournumberslip 六号柜台的出纳员将根据你的号码牌付给你钱 UsefulWordsandPhrasestocloseanaccount toclearanaccount结清todrawmoney取款drawing outslip取款单thenumberslip号码牌awithdrawalform取款单tofillinthereceiptinduplicate一式两份填这张收据teller cashier出纳员 银行英语口语 兑换货币 Pleasetellmehowmuchyouwanttochange 请告诉我你要换多少 HowmuchoftheremittancedoyouwanttoconvertintoJapaneseyen 你要把多少汇款换成日圆 Whatkindofcurrencydoyouwant 要哪种货币 What sityouwishtochange 你有什么要换的 Whatkindofcurrencydoyouwanttochange 要换哪种货币 Inwhatdenominations 要什么面值的 Pleasetellmewhatnoteyouwant 请告诉我要什么钞票 Willseventensbeallright 7张10元的可以吗 Isitintraveler scheques 换旅行支票吗 I dliketoknowhowIshallgiveittoyou 我想知道如何付钱给你 Howwouldyoulikeit 你要什么面额的 Wouldyoukindlysigntheexchangeform givingyournameandaddress 请在兑换单上签字 写出你的姓名和地址 好吗 Canyouchangemesomemoney please 能否请你给我兑换一些钱 Hereitis someFrenchfrancs Swissfrancs AmericandollarsandafewDutchguilders 这些就是 一些法国法郎 瑞士法郎 美圆和一些荷兰盾 EUROWouldyoupleasegivemesevenfive poundnotes fourpoundnotesandfourten shillingnotes andtherestinsmallchange 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 Wouldyoumindgivingmethesixpenceincoppers 劳驾给我6便士的铜币 I dliketoknowifyoucouldchangethismoneybackintoU S dollarsforme 我想知道能否把这笔兑回成美圆 CouldyouchangetheseFrenchfrancsforme 能给我兑换这些法国法郎吗 Canyougiveme100dollarsinSwissfrancs 能否给我100美圆的瑞士法郎 I dliketoconvertthefullamountoftheremittanceintoU S dollars 我想把全部汇款换成美圆 I dlikesomecoinsforthisnote 我想把这张纸币换成硬币 I dliketobreakthis50dollarnote 我想把这张50美圆纸币换开 Fivetwentiesandtensingles please 请给我5张20元和10张一元的 Ineed300dollarsin100 dollarcheques 我要300美圆票面为100美圆的支票 Ihopeyou llgivemetentraveler schequesof100dollarseach 我希望给我10张面额为100美圆的旅行支票 Infives please 请给我5元票面的 Couldyougivemesomesmallnotes 给我一些小票好吗 UsefulWordsandPhrasescurrency money货币moneychanging兑换货币anexchangeform兑换单banknote钞票noteoflargedenomination大票noteofsmalldenomination小票smallchange零钱subsidiarymoney辅币nickelpiece镍币plasticcurrencynotes塑料钞票convertiblemoney可兑换 黄金 纸币 银行英语口语 储蓄存款利息 What stheinterestrateforthesavingsaccount 储蓄存款的利率是多少 Doyoupayinterestonthisaccount 这种存款付给利息吗 Pleasetellmewhattheannualinterestrateis 请告诉我年利率是多少 Interestispaidattherateof1 perannumatpresent 目前每年的利率是1 Itallowsyoutoearnalittleinterestonyourmoney 这可使你从存款中获得一点利息 Theaccountcarriesinterestof4 该存款有4 的利息 Theinterestisaddedtoyouraccounteveryyear 每年的利息都加到你的存款中 Theinterestrateforthesavingsaccountis4 储蓄存款的利率是4 Itvariesfromtimetotime Atpresentitis6 年息 每个时期都不同 现在是六厘 UsefulWordsandPhrasesinterestrate利率simpleinterest单利compoundinterest复利legalinterest法定利息primerate优待利率payableinterest应付利息lendingrate贷款利率usury高利贷thesubsidyrateforvalue preservedsavings保值储蓄补贴率 银行英语口语 外汇率 TellmethecurrentrateforRMB please 请告诉我人民币的现价 What syoursellingrateforRMByuaninnotestoday 你们今天人民币现钞的售价是多少 What sthedollargoingfortoday 美圆今天的售价是多少 Ourbuyingratefornotesis523yuanfor100dollars 我们100美圆的现钞买入价是523元 It s200Frenchfrancsattoday ssellingrate 今天的卖出价是200法国法郎 ThebuyingrateofU S dollarnotesis460yuanperhundreddollars 美圆现钞买入价是100美圆付460元 buyingrate买进价格sellingrate卖出价格AndhowmuchwillitbeinJapanesecurrency 换成日本币是多少 HowmuchwouldIgetfor300Japaneseyen 300日圆可兑换多少钱 I dliketoknowtheexchangerateforGermanmarks 我想知道德国马克的兑换率 Whatrateareyougiving 你们提供的兑换率是多少 What stheexchangeratetoday 今天的兑换率是多少 PleasetellmewhatyouwouldgivemeformyU S dollars 请告诉我这些美圆可以兑换多少钱 Pleasetellmethecurrentrateforsterling 请告诉我英国货币的现行兑换率 Ifyou llwaitamoment I llfindouttheratesofexchange 请等一会儿 我查一下兑换率 Pleasewaitamoment I llfindouttheexchangeratebetweenU S dollarsandRMB 请等一会儿 我查一下美圆对人民币的兑换率 It s470yuanfor100dollars 100美圆可兑470元 Theexchangeratetodayis200yentothepound 今天的兑换率是一英镑可兑200日圆 Theratefortraveler schequesis300yuanagainst100dollars 旅行支票的兑换率是100美圆兑300元 Thesedollarsareworth1 000yuan 这些美圆可换1000元 UsefulPhrasesexchangetable conversiontable汇兑换算表foreignexchange外汇exchangerate外汇率conversionrate折合率foreignexchangerestriction外汇限额foreignexchangequotations外汇行情tochecktherateforsb 查牌价 对话练习 对话 1 找人 Customer Excuseme butcouldyouhelpme Clerk Withpleasure WhatcanIdoforyou Customer CouldyoutellmewhereIcanfindMr Zhang Clerk Sure Miss Mr Zhangisupstairs Customer Thankyouverymuch Clerk Notatall miss 对话 2 开户 Clerk Goodmorning canIhelpyou Customer Goodmorning I dliketodepositsomemoney Clerk Ok Wouldyouliketoopenacurrentaccountorfixedaccount Customer USD1 000forcurrentaccount USD5 000forfixedaccountforayear Clerk Thencashaccountorexchangeaccount 现金帐户还是外汇 Customer Sorry whatyousaidisbeyondme Clerk Anexchangeaccountisanaccountopenedwithinwardremittancefromabroad andacashaccountisopenedwithforeigncurrencyincash Customer Ok Igotit Today I dliketodepositincash Clerk Irecommendsavingsdepositaccountpassbookandfixedsavingsaccountpassbook YoucandepositnotonlyUSDdollars butalsoRMB GBP JapaneseYenandothers Pleasefillintheseformsplease Customer Ok Customer Hereyouare Clerk Yourpassportandmoney please Customer Ok Clerk Thankyou 对话 3 开户 Customer Doyouchargeforcheques Clerk Yeswedo EachchequeyouwritewillcostRMB2 Customer DoIhavetodepositalargesumofmoneyifIwanttoopenacheque savingsaccount Clerk Notnecessarily sir Customer Regardingtheinterestrate whatisthedifferencebetweenasavingsaccountandcheckingaccount Clerk Notbigdifference sir Customer Isee Iwouldliketoopenacheckingaccount Will300dollarsbeenoughforaminimumdeposit Clerk Definitely 对话 4 开户 Clerk Goodmorning canIhelpyou Customer Goodmorning I dliketodepositsomemoney Clerk Ok Wouldyouliketoopenacurrentaccountorfixedaccount Customer USD1 000forcurrentaccount USD5 000forfixedaccountforayear Clerk Thencashaccountorexchangeaccount 现金帐户还是外汇 Customer Sorry whatyousaidisbeyondme Clerk Anexchangeaccountisanaccountopenedwithinwardremittance 汇款 Customer Ok Igotit Today I dliketodepositincash Clerk Irecommendsavingsdepositaccountpassbookandfixedsavingsaccountpassbook YoucandepositnotonlyUSDdollars butalsoRMB GBP JapaneseYenandothers Pleasefillintheseformsplease Customer Ok Customer Hereyouare Clerk Yourpassportandmoney please Customer Ok Clerk Thankyou 对话 6 开户 Customer I dliketoopenasavingsaccount What stheinterestratenow Bankclerk Itis3 2 Youmayearnalittleinterestonmoney Customer Isthereanyminimumdepositforthefirsttime Bankclerk Yes theopeningminimumdepositis1 000Yuan Customer Whataboutthelaterdeposits Bankclerk Forthelaterdeposits youcandepositanyyouwant EvenoneYuanisOK Customer OK that sgood Bankclerk YourID please Customer Hereyouare athousandYuanandmyID Bankclerk Waitamoment please Hereisyourbankbook Keepitwellplease Customer Thanks Iwill 对话 7 Clerk Excuseme doyouwanttoregisteracode Customer Yes mayIenter4digits Clerk Sorry thecodemustbe6digits Customer ok Clerk pleaserepeatit thankyou AfterawhileClerk Sir hereisyourdepositbooksandpassport Customer Thankyou MayIaskyousomequestions Clerk Mypleasure Customer Arethereanystipulations 规定 fordrawingfromadepositbook Clerk Accordingtotheregulations 法规 ofthePBOC 中国人民银行 fordrawingcashfromaforeignexchangeaccountofaforeigner acommissionof0 3 ischargedontheamountofdrawing AndifyoudrawmorethanUSD 10 000orRMB50 000orthesameamountofothercurrenciesatatime youhavetoshowyourpassportorIDCustomer Thisisaoneyeartimedeposit DoIhavetocomehereforrenewaleachitexpires Clerk No Ifyoudonotcomehereattheexpirationdate it llberenewedautomaticallytogetherwiththeinterestaccrued Customer Thankyou Ireallyappreciateyourhelp Clerk You rewelcome 对话 8 取款 Customer Excuseme butcanIdrawonmyaccountforpaymentofthingsIbuyinChina Clerk Certainly sir Howmuchdoyoudraw Customer RMB8 000please Wouldyoupleasetellmemybalance Clerk Yes sir YourbalanceisRMB34 000 Customer Iamsorry butmayIaskonemorequestion Clerk Ofcourse pleasedo Whatisit Customer Whatistheinterestrateforthesavingaccount Clerk Thedetailedinformationisontheboard Pleasegoandseeit Customer Manythanks 对话 9 取款 A IsthereanythingIcandoforyou B Yes Myfixeddepositcertificatewasduethedaybeforeyesterday A Doyouwanttoredeemyourcertificateorrenewit B Iwanttoredeemit A Noproblem Howdoyouwantthemoney B Fortytensandtwentyfives pleaseandtherestasyoulike A Pleasewaitforawhile B Takeyourtime A Hereisthemoneywithyourinterestnote Pleasecheck B It scorrect 对话 10 取款 A WhatcanIdoforyou B Yes Iwanttowithdraw50 000yuanfrommycorporationaccount A Didyoumakeanadvanceappointmentyesterday B Yes Hereisthecheck A Sorry thenumberiswrong B Oh Iamtoocareless Couldyoudealwithitinalittlewhile A Youneedtocomebackbefore5 30 ifnottomorrow B Isee I llbebackassoonaspossible A halfanhourlater Hereisthemoneywithyourcheckslip Pleasecheckit B That sright 对话 11 取款 A CanIhelpyou B Yes IwanttowithdrawsomemoneyfrommyPeonyCard A Pleasefilloutawithdrawalslip Theredone B Allright A Willyougivemeyourcardwiththeslip B Okay Heretheyare A Howmuchdoyouwant B 400RMByuan A PleaseshowmeyourIDcardandenteryoursecretcode B Okay 对话 12