Chapter3银行外汇业务

1、Column AColumn Bforward contract spot transaction call option swap agreement direct quotationforward premiumforward discountput optionlong position futures contract go long futures account margin call option contract futures exchange go short期权合约直接标价期货交易所即期交易；现货交易看涨期权追加保证金的通知掉期协议，互换协议远期合约买空，买进远期贴水期货

2、账户远期升水看跌期权多头期货合约卖出，卖空Back Back Continue Continue l外国货币lforeign currencyl本国货币ldomestic currencyl营业执照lBusiness Licensel企业标准代码证lEnterprise Standard Code Certificatel手续lprocedurel同业银行linterbankl抵押品lsecurityl供求lsupply and demandl资产负债表lbalance sheetl损益表lprofit and loss statementl贷款偿还能力lloan repay abilityl

3、记账lbookkeepingl个人理财顾问lpersonal bankerl现钞lbank notesl背书lendorsel合资企业ljoint venturel自助lself-servicel纪念品lsouvenirl兑换单lexchange forml兑换水单lexchange memol收据lreceiptl托收凭证lcollection receiptl确认、核实lverificationl取消，删除lcancellationl起伏、波动lfluctuationl确认、证实lconfirmationl管理、规则lregulationl扣除ldeductionl管理、行政ladmini

4、strationl目的地ldestinationl交易ltransactionl限制、限额lrestrictionl开户行ldepository bankl汇出行lremitting bankl汇入行lpaying bankl汇款人lremitterl汇出汇款loutgoing remittancel汇票lremittance draftl汇票凭单lremittance slipl支票账户lcheck accountl结算账户lsettlement accountl外汇资本账户lforeign capital accountl外汇储蓄账户lforeign saving accountl固定利率

5、贷款lfixed rate loanl浮动汇率贷款lfloating rate loanl担保贷款lsecured loanl贷款申请lloan applicationl支票出票人lcheque drawerl持票人lcheque holderl记名支票lorder chequel支付通知单lpayment orderl汇款通知lremittance advicel国际汇款单linternational money orderl卖出汇率lselling ratel官方汇率lofficial ratel即期汇率lspot ratel期货汇率lforward ratel票据贴现率lacceptan

6、ce ratel短期汇率lshort ratel名义汇率lnominal ratel汇率风险lexchange rate riskl您首先要填写对应的取款单，注明您想要取的金额、日期、账户号，最后在这里签名。lYou should fill out the relevant withdrawal form at first, stating the amount you want to draw, the date, your account number and then sign here.l请填写这张表，注明您要兑换的金额、您的大写全名、护照号码、国籍和这儿所住的酒店地址，并签名。lWo

7、uld you please fill in this form stating the amount you wish to change, your full name in capital letters, your passport number, your nationality, your hotel address here and sign your name.l您需要什么面值的钱？lHow do you want your money?l百元大钞。lOne-hundred notes, please.l我们银行经过授权可以办理外币兑换。lOur bank is authori

8、zed to deal with foreign exchange.l现在的兑换率是100美元旅行支票可以兑换679.56人民币。lThe exchange rate for travelers cheque is 679.56RMB against 100 dollars.l您还要支付票面额的0.67%作为贴现利息。lYou should pay 0.67% on the total amount as discount interest.l您要支付票面金额的0.2%作为托收费。lYou must be charged 0.2% collection fee on face value.l我

9、们已受理背书支票的托收，一旦支票被支付，我们会马上通知您。lWe will accept the endorsed cheque for collection and notify you as soon as its paid.lQ: What materials are needed if a company wants to open a foreign currency account?lA:l1, an application forml2, a seal card which has been stamped with the units seal and the corporat

10、ion seall3, the Business Licensel4, the Enterprise Standard Code Certificatel5, the Certificate of Use of Foreign Exchange Accountl6, the Foreign Exchange Account Opening NoticelQ: Would you please explain the interest rate and term respectively?lA: We offer fixed and floating rate loans, loan with

11、security or without, short-term and long term loans.lQ: How to do some foreign exchange transaction in the bank?lA: You should open an account for interbank deposit and withdrawal of foreign currency, and then deposit some foreign currencies into it. The commission is about 0.21% on the total amount

12、 of your deal.lQ：Whats the difference between direct quotation and indirection quotation?lDirect quotation means that the rates are quoted in terms of a variable number of local currencies against a fixed unit of other currencies.lIn the direct price law, the amount of the national currency remained

13、 unchanged, while the amount of foreign currencies change in contrast to the changes of their values.l直接标价法是说汇率是用可变数量的本国货币对应一定数量的外国货币的形式标价。l在间接标价法中，本国货币的数额保持不变，而外国货币的数额随着本国货币币值的对比变化而变动。BDBackBack Role-play a conversation in pairs according to the situation and tasks given below. Mr. Wang goes to the

14、 Dealing Department of Guangzhou Branch, Bank of China. He wants to exchange for 5,000 euros because he is going to some European countries on business missions. The exchange rate of Euro against RMB yuan is declining. Mr. Zhang meets him and attends to the service for him.ContinueContinue Back Back

15、 lExchange greetings;lTell what service is needed;lPresent the valid documents needed for the transaction: - ID; - Passport; - Visa; lAsk the current spot rate of euro against RMB;lTell the bank clerk to exchange RMB yuan in cash for 5,000 euros;lCheck the exchanged foreign currency;lTake back all d

16、ocuments;lGive thanks to the bank clerk for his service.Mr. WangContinueContinue Back Back lSay hello to his customer;lAttend to the business: - Tell the customer to show his ID or passport; - Ask what currency and how much to be exchanged for; - Fill in the exchange memo; - Tell the current note se

17、lling rate: 100:775； - Make calculation and tell how much RMB yuan is needed; - Ask the customer to check the amount of foreign money; - Ask the customer to keep the exchange memo for later use; - Return all the documents to the customer;lSay goodbye.Mr. ZhangContinueContinue Back Back Back Back An

18、American customer comes to the bank to exchange money. He cant speak Chinese, while the bank clerk cant speak English. You are required to act as a translator for them.ContinueContinue Back Back lCustomer: Hello. Do you exchange money here? Customer: Hello. Do you exchange money here? l职员：是的。您有哪种外币？

19、要兑换多少？职员：是的。您有哪种外币？要兑换多少？lCustomer: I want to exchange US$500. Customer: I want to exchange US$500. l职员：首先，请填写这张兑换单，一式两份。然后，请出示职员：首先，请填写这张兑换单，一式两份。然后，请出示您的护照。您的护照。l(after a while ) (after a while ) l（过了一会儿）（过了一会儿）lCustomer: Here is the memo filled out and the money. Customer: Here is the memo filled

20、 out and the money. l职员：好的。请稍等。一会儿就好。您想要什么面额的？职员：好的。请稍等。一会儿就好。您想要什么面额的？lCustomer: Any kind will do. Customer: Any kind will do. l职员：好的，这是您的钱，总共是职员：好的，这是您的钱，总共是38503850元。请数一下，还有元。请数一下，还有您的护照和收据。您的护照和收据。lCustomer: Everything looks right. Thanks for your Customer: Everything looks right. Thanks for you

21、r help. Goodbye! help. Goodbye! l职员：再见职员：再见lCustomer: Hello. Do you exchange money here? Customer: Hello. Do you exchange money here? l顾客：您好。你们这里兑换外币吗？顾客：您好。你们这里兑换外币吗？lClerk: Yes. What kind of foreign currency do you Clerk: Yes. What kind of foreign currency do you have? And how much do you want to

22、exchange? have? And how much do you want to exchange? l职员：是的。您有哪种外币？要兑换多少？职员：是的。您有哪种外币？要兑换多少？lCustomer: I want to exchange US$500. Customer: I want to exchange US$500. l顾客：我想换顾客：我想换500500美元。美元。lClerk: First of all, please fill out this exchange Clerk: First of all, please fill out this exchange memo

23、 in duplicate. Then show me your passport. memo in duplicate. Then show me your passport. l职员：首先，请填写这张兑换单，一式两份。然后，请出示职员：首先，请填写这张兑换单，一式两份。然后，请出示您的护照。您的护照。l(after a while ) (after a while ) l（过了一会儿）（过了一会儿）lCustomer: Here is the memo filled out and the money. Customer: Here is the memo filled out and t

24、he money. l顾客：这是填好的兑换单和钱。顾客：这是填好的兑换单和钱。lClerk: A1l right. Please wait. This will only take a moment. Clerk: A1l right. Please wait. This will only take a moment. What denominations would you like your money to come in?What denominations would you like your money to come in?l职员：好的。请稍等。一会儿就好。您想要什么面额的？

25、职员：好的。请稍等。一会儿就好。您想要什么面额的？lCustomer: Any kind will do. Customer: Any kind will do. l顾客：哪种面额的都行。顾客：哪种面额的都行。lClerk: OK. Here is your money. Thats 3,850 yuan in total. Clerk: OK. Here is your money. Thats 3,850 yuan in total. Please check the amount, and your passport and receipt. Please check the amoun

26、t, and your passport and receipt. l职员：好的，这是您的钱，总共是职员：好的，这是您的钱，总共是38503850元。请数一下，还有您的护照元。请数一下，还有您的护照和收据。和收据。lCustomer: Everything looks right. Thanks for your help. Customer: Everything looks right. Thanks for your help. Goodbye! Goodbye! l顾客：没错。谢谢你的帮助。再见！顾客：没错。谢谢你的帮助。再见！lClerk: Goodbye! Clerk: Goodb

27、ye! l职员：再见职员：再见BackBack ContinueContinue Role-play a conversation in pairs according to the situation and tasks given below. Johnson, manager of an import company, meets Professor William at the airport. They talk about the financial situation of China and the changes in the exchange rate of RMB yua

28、n against the US dollar. Johnson has different opinions on the tendency of the exchange rate of RMB yuan against the US dollar. Back Back ContinueContinue lThe yuan should continue to weaken against a backdrop of global economic uncertainty;lLetting the yuan depreciate is a good option since inflation is no longer a threat;lChinas exports are closely related to global economic growth and are not wholly decided by the foreign exchange rate of the yuan;lMinor changes in the value of