银行基本业务口语_精

1、银行根本业务口语新开What kind of account did you Do you like to open a current A deposit or current account? Please tell me how you wouldhave in your mind? 你想开哪种 ? account? 你想开一个活期存款吗 ? 定期还是活期 ?like to deposit your money. 请告诉我你想存何种 户头?There's a service charge for the checking account but no charge for the

2、 savi ngs. 支票户头要收效劳费，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 do llars.甚至一元也可以起存。你可随时以 50 美圆的起存额开立储蓄。Even one yuan is all righ

3、t.you deposit or withdraw us whenever you lose it.Here is your passbook . Please bring it back when money any time you like. Keep it well and inform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.I need a checking account so that I can 帐。 I have a checking account here.I think I

4、'd like a deposit account.我想开一个活期存款。pay my bill. 我需开个支票， 这样就能付我在这里有一个支票存款。我想要开个定期存款。Could you tell me the difference between a savings account and a checking account?a savings account.deposit? 100 元作最低存款额够吗？ 我想把这纸币换成硬币。 我想把这 50 美圆纸币换开。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

5、请告诉我开个储蓄需要什么手续。Will 100 yuan be enough for a minimumI'd like some coins for this note.I'd like to break this 50 dollar note.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 i

6、t is 6%. 年息 每个时期都不同， 现在是 六厘。 Could you tell me how to operate this 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I'd like to know if I can取款、结余draw on my accountfor payment 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

7、dollars from my deposit account. 取 200 美圆。I want to close my account with you.Your deposit is exhausted.Your letter of creditis used up .Fill our a withdrawal form, please.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一式两份填这收据我要

8、从我的定期存款中支我想结束在你们这儿的。你的存款支净了。 你的信用证用完了。 请填写取款单。teller, cashier 出纳员外汇率Tell me the current rate for RMB, please.What's your selling rate for RMB yuan in notes today? 多少？What's the dollar going for today?Our buying rate for notes is 523 yuan for 100 dollars. 是 523 元。It's 200 French francs at

9、 today's selling rate.请告诉我人民币的现价。你们今天人民币现钞的售价是美圆今天的售价是多少？ 我们 100 美圆的现钞买入价今天的卖出价是 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If you'll wait a moment, I'll find out the rates of exchange. 换率。I'd like to know the

10、exchange rate for German marks. The exchange rate today is 200 yen to the pound. 日圆。These dollars are worth 1,000 yuan.It's 470 yuan for 100 dollars. 银行业务部门名称中英对照selling rate 卖出价格请等一会儿，我查一下兑我想知道德国马克的兑换率。今天的兑换率是一英镑可兑 200这些美圆可换 1000 元。100 美圆可兑 470 元。Executive Office 经理办总务部International Dept. 国际Boa

11、rd of Directors 公室Personnel Dept. 人事部 Co-ordination & Planning 业务部董事会 President 行长General Affairs Dept.Dept. 综合方案部Overseas Branches Dept. 海外部First Credit Dept. 信贷一部Foreign Exchange Dept. 外汇资金部Second Credit Dept. 信贷二部Accounting Dept.财会部Banking Dept. 营 业 部 Dept. 总稽核室Computer Center 电脑部 Trust and C

12、onsultation Co.International Clearing Dept国际清算部Credit Card Dept.信 用 卡 部 General AuditingTraining Management Dept. 教育部信托咨询公司I need some more cash for my visit in China. May I cash a traveler's 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？We'd be happy cash it for you.我很乐意为您兑现。Overdraft 透支Cash Car

13、d 现金卡Debit Card 借记卡Credit card 信用卡deposit receipt 存款收据 存单 deposit book, passbookpay-in slip 存款单a deposit form存款单private deposits 私人存款 certificate of deposit 存折overdraft, 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:

14、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? 少钱？Clerk: Sure Miss. Mr Zhang is upstairs. Customer: Do you charge for cheques? 吗？Clerk: Not necessarily, sir.职员：当然可以，先生。您要取多职员：没问题，小姐。先生在楼上。顾客：请问，兑换支票你们收手续费职员：不一定的，先生

15、。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 ofte

16、n 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

17、 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 cash 兑现 blank cheque cheque stub, counterfoil 票根 construction bank 建设银行to endorse 背书 endorser 背书人空白支票 rubber cheque空头支票industrial and commercialbank

18、工商银行industrial bank实业银行bank of communications 交通银行 joint venture bank 合资银行depreciation accounting商业会计折旧会计 cost accounting本钱会计 business accountinggeneral ledger 总帐 subsidiary ledger cash book 现金出纳帐 cash account journal, day-book 日记帐，流水帐分户帐现金帐bad debt s 坏帐economic boom 经济繁荣economic recession 经济衰退natio

19、nal budget 国家预算 public bond 公债 stock, share foreign exchange fluctuation 外汇波动 discount 贴现 discount rate, bank rate I want to deposit 300 yuan in my account. 失效支票，过期支票 stale cheque 开发支票 to make out a cheque 透支支票 to overdraw a cheque to refuse a cheque拒付支票存款缺乏economic depression 经济萧条economic crisis 经济

20、危机 economic recovery经济复inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值national gross product 国民生产总值 股票 debenture 债券 foreign exchange crisis 外汇危机 贴现率 gold reserve 黄金储藏 我想在我的户头上存 300 元。 未获兑现支票，退票 returned cheque 填写支票数额 to fill up a cheque 支票退票 to dishonour a cheque 已过期 | 无效 out of date

21、 | staleN/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annualpayment月分期付款monthlypayment|monthlyinstalment预付

22、货 | 先付payment in advance|prepayment延付货款deferredpayment立即付款promptpayment|immediatepayment结清 to clear off|to pay off请求付款恳求付帐to ask for payme nt to solicit payme nt|to request payme nt货到付现款 即时付款cash on arrival prompt cash储蓄存款利息What's the in terest rate for the savi ngs acco unt?储蓄存款的利率是多少？Do you pa

23、y in terest on this acco unt?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。In terest is paid at the rate of 1% per annum at prese nt.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 acco unt carries in terest of 4%.该存款有4%的利息。The in terest is

24、added to your acco unt 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 Phrasesin terest rate禾U率simple in terest 单利compo und in terest复禾 Ulegal in terest 法定利息prime rate 优待利率payable i

25、nterest 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，您有事需要帮助吗？C: Yes, I hope so. I need some more cash for my visit in China. May I cash a traveler's 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. We'd be

26、 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， 但我朋友说银行的兑现率通常有点高。T: Well, any bank will cash it at our present traveler's check-buying rate, which wesomewhat better than at hotels bec

27、ause of the service charge. You see, hotels aren't really in the money exchange business although they will cash traveler's 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 there's really not mu

28、ch of a difference? 您是说，实际上银行与旅馆的兑换率差距并不大。T: No, madam, not very much.是的，夫人，没多大差距。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, I'll 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

29、支票复签一下。答复客户问题Customer: Excuse me , but can I draw on my account for payment of things 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

30、: 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, but 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 informa

31、tion 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：很快乐为您效劳。我能为您做些什么？ Customer: Could you tell me where I can find Mr Zhang? 顾客：请

32、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。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，我们收手续费。您每开一支票就要花人民币 2

33、元。open aCustomer: Do I have to deposit a large sum of money if I want to 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 bearer