银行业务常用英语词汇以及对话

1、to counter signto cash 兑现双签to suspend payment 止付cheque,check 支票account number 帐号depositora deposit form 存款单to deposit 存款private deposits 私人存款deposit book, passbook 存折principal 本金to endorseto honor a cheque存户pay-in slip 存款单a banding machine自动存取机deposit receipt存款收据certificate of deposit存单credit card信用

2、卡overdraft, overdraw透支背书endorser 背书人兑付to dishonor a cheque 拒付cheque book支票本order cheque 记名支票crossed cheque 横线支票rubber cheque 空头支票cash cheque 现金支票cheque for transfer转帐支票bearer cheque不记名支票blank cheque 空白支票cheque stub, counterfoil 票根traveler's cheque旅行支票outstanding cheque未付支票canceled cheque已付支票forg

3、ed cheque 伪支票bandar's note 庄票，银票banker银行家savings bank 储蓄车艮行president 行长chase bank大通银行citibank 花旗银行hongkong shanghai banking corporation汇丰车艮行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中央车艮行bank of issue, bank of c

4、irculation发行币车艮行commercial bank 商业银行，储蓄信贷银行member bank, credit bank储蓄信贷车艮行exchange bank 汇兑车艮行issuing bank, opening bank 开证车艮行negotiation bank 议付银行paying bank 付款银行consigned banker of collection委托车艮行local bank本地银行overseas bank国夕卜车艮行branch bank 车艮行分行trust company 信托公司unit trust信托投资公司credit department 银

5、行的信用部commercial credit company(discount company)discount bank贴现银行requesting bank委托开证车艮行advising bank, notifying bank通知车艮行confirming bank 保兑车艮行associate banker of collection代收车艮行clearing bank清算车艮行domestic bank国内车艮行unincorporated bank 钱庄trustee savings bank信托储蓄车艮行financial trust金融信托公司trust institution

6、银行的信托部商业信贷公司(贴现公司)neighborhood savings bank, bank of deposit街道储蓄所credit union 合作车艮行credit bureau 商业兴信所self-service bank无人银行land bank 土地银行construction bank 建设车艮行industrial and commercial bank 工商车艮行bank of communications交通车艮行mutual savings bank互助储蓄车艮行post office savings bank邮局储蓄车艮行mortgage bank, build

7、ing society 抵押银行industrial bank 实业银行home loan bank家宅贷款银行economic boom经济繁荣import and export bank (eximbank)economic crisis经济危机economic recovery经济复苏通货收缩devaluation货币贬值revaluation货币增值reserve bank 准备车艮行corresponding bank往来车艮行investment bank 投资车艮行joint venture bank合资车艮行credit cooperatives 信用社public accou

8、nting 公共会计cost accounting 成本会计computerized accounting电脑化会计subsidiary ledger 分户帐cash account 现金帐bad debts 坏帐investment 投资economic cycle 经济周期economic depression经济萧条inflation 通货膨胀deflationinternational balance of payment 国际收支favourable balance 顺差hard currency 硬通货international monetary system国际货币制度the p

9、urchasing power of money货币购买力money in circulation货币流通量note issue 纸币发行量national gross product国民生产总值stock, share 股票chartered bank特许车艮行merchant bank, accepting bank承兑车艮行进出口银行money shop, native bank 钱庄clearing house 票据交换所business accounting商业会计depreciation accounting折旧会计general ledger 总帐cash book 现金出纳帐j

10、ournal, day-book日记帐，流水帐surplus 结余idle capital游资economic recession经济衰退adverse balance 逆差soft currency 软通货national budget国家预算public bond 公债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 7匚 7匚率foreign currency (exchange) reserve外汇储

11、备foreign exchange fluctuation夕 m 匚波动foreign exchange crisis夕 m 匚危机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e

12、quitable tax system 等价税贝 1specimen signature签字式样banking hours, business hours营业时间银行英语口语-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

13、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

14、 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 ne

15、ed 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 ope

16、n 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。w川 100 yuan be enough

17、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?

18、每个帐户要花多少钱？useful phrasescurrent 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

19、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 f川 in the depositing form, g

20、iving 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.

21、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

22、.我要把旅行信用证的结余兑现。w川 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

23、 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% ohere's the cheque book. when you send a cheque by post be careful to cross it, b

24、ut 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。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

25、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 balanc

26、e?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 dr

27、aw 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 phrasesto close an account, to clear an account 结清to draw money 取款drawing-out slip 取款单t

28、he 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-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

29、 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 y

30、ou 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 s

31、even five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.请你名合我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

32、 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

33、。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 phr

34、asescurrency, money 货币money changing 兑换货币an exchange form 兑换单bank note 钞票note of large denomination 大票小票note of small denominationsmall change 零钱subsidiary money 辅币nickel piece 银币plastic currency notes塑料钞票convertible money 可兑换（黄金）纸币银行英语口语-储蓄存款利息what's the interest rate for the savings account?储蓄

35、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 i

36、nterest 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% oit 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legal interest 法定利息prime rate 优待利率paya

37、ble interest 应付利息lending rate 贷款利率usury高利贷the subsidy rate for value-preserved savings保值储蓄补贝占率银行英语口语-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&#