常见银行英语

1、常见银行名称及银行类别 中国人民银行 Peoples Bank of China 中国工商银行 Industrial and Commercial Bank of China 中国农业银行 Agricultural Bank of China 中国建设银行 Construction Bank of China 中国银行 Bank of China 招商银行 China Merchants Bank Co., Ltd 兴业银行 Industrial Bank Co., Ltd 交通银行 Bank of Communications 华夏银行 Huaxia Bank 中信银行 CITIC Bank

2、 of China 中国光大银行 China Everbright Bank of China 中国民生银行 China Minsheng Banking Co., Ltd 广东发展银行 Guangdong Development of China 深圳发展银行 Shenzhen Development of China 上海浦东发展银行 Shanghai Pudong Development Bank 中国投资银行 Investment Bank of China 中国邮政储蓄银行 Postal Service of China 中国农业发展银行 Agricultural Developme

3、nt Bank of China 国家开发银行 China Development Bank 国家进出口银行 Export-Import Bank of China 北京银行 Bank of Beijiang 宁波银行 Bank of Ningbo 杭州银行 Bank of Hangzhou 花旗银行 National City Bank of New York 汇丰银行 Hongkong Shanghai Banking Corporation Chase Bank 大通银行 Citibank 花旗银行 Hongkong Shanghai Banking Corporation 汇丰银行 C

4、hartered Bank of India, Australia and China 麦加利银行 Banque de IIndoChine 东方汇理银行 central bank, national bank, bankers bank 中央银行 bank of issue, bank of circulation 发行币银行 commercial bank 商业银行，储蓄信贷银行 member bank, credit bank 储蓄信贷银行 discount bank 贴现银行 exchange bank 汇兑银行 requesting bank 委托开证银行 常用银行用语 accoun

5、t number 帐号 depositor 存户 pay-in slip 存款单 a deposit form 存款单 a banding machine 自动存取机 to deposit 存款 deposit receipt 存款收据 private deposits 私人存款 certificate of deposit 存单 deposit book, passbook 存折 credit card 信用卡 principal 本金 overdraft, overdraw 透支 to counter sign 双签 to endorse 背书 endorser 背书人 to cash 兑

6、现 to honor a cheque 兑付 to dishonor a cheque 拒付 to suspend payment 止付 cheque,check 支票 cheque book 支票本 order cheque 记名支票 bearer cheque 不记名支票 crossed cheque 横线支票 blank cheque 空白支票 rubber cheque 空头支票 cheque stub, counterfoil 票根 cash cheque 现金支票 travelers cheque 旅行支票 cheque for transfer 转帐支票 outstanding

7、cheque 未付支票 canceled cheque 已付支票 forged cheque 伪支票 Bandars note 庄票，银票 banker 银行家 president 行长 savings bank 储蓄银行 issuing bank, opening bank 开证银行 advising bank, notifying bank 通知银行 negotiation bank 议付银行 confirming bank 保兑银行 paying bank 付款银行 associate banker of collection 代收银行 consigned banker of colle

8、ction 委托银行 clearing bank 清算银行 local bank 本地银行 domestic bank 国内银行 overseas bank 国外银行 unincorporated bank 钱庄 branch bank 银行分行 trustee savings bank 信托储蓄银行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投资公司 trust institution 银行的信托部 credit department 银行的信用部 commercial credit company(discount com

9、pany) 商业信贷公司（贴现公司） neighborhood savings bank, bank of deposit 街道储蓄所 credit union 合作银行 credit bureau 商业兴信所 self-service bank 无人银行 land bank 土地银行 construction bank 建设银行 industrial and commercial bank 工商银行 bank of communications 交通银行 mutual savings bank 互助储蓄银行 post office savings bank 邮局储蓄银行 mortgage b

10、ank, building society 抵押银行 industrial bank 实业银行 home loan bank 家宅贷款银行 reserve bank 准备银行 chartered bank 特许银行 corresponding bank 往来银行 merchant bank, accepting bank 承兑银行 investment bank 投资银行 import and export bank (EXIMBANK) 进出口银行 joint venture bank 合资银行 money shop, native bank 钱庄 credit cooperatives 信

11、用社 clearing house 票据交换所 public accounting 公共会计 business accounting 商业会计 cost accounting 成本会计 depreciation accounting 折旧会计 computerized accounting 电脑化会计 general ledger 总帐 subsidiary ledger 分户帐 cash book 现金出纳帐 cash account 现金帐 journal, day-book 日记帐，流水帐 bad debts 坏帐 investment 投资 surplus 结余 idle capita

12、l 游资 economic cycle 经济周期 economic boom 经济繁荣 economic recession 经济衰退 economic depression 经济萧条 economic crisis 经济危机 economic recovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值 international balance of payment 国际收支 favourable balance 顺差 adverse balance 逆差 hard currency 硬通货 so

13、ft currency 软通货 international monetary system 国际货币制度 the purchasing power of money 货币购买力 money in circulation 货币流通量 note issue 纸币发行量 national budget 国家预算 national gross product 国民生产总值 public bond 公债 stock, share 股票 debenture 债券 treasury bill 国库券 debt chain 债务链 direct exchange 直接（对角）套汇 indirect excha

14、nge 间接（三角）套汇 cross rate, arbitrage rate 套汇汇率 foreign currency (exchange) reserve 外汇储备 foreign exchange fluctuation 外汇波动 foreign exchange crisis 外汇危机 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 b

15、ookkeeper 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 equitable tax system 等价税则 specimen signature 签字式样 banking hours, business hours 营业时间银行英语口语新开帐户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

16、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头?Theres 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

17、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 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

18、 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 need a checking account so that I can pay my bill. 我需开个支票帐户，这样就能付帐。 Wed 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

19、think Id 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 open a deposit account with you. 我要开个储蓄帐户。 Id 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

20、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。 Will 100 yuan be enough for a minimum deposit? 100元作最低存款额够吗？ Id 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 th

21、is 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? 每个帐户要花多少钱？ Useful Phrases current 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

22、存款银行英语口语存款 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 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 deposi

23、t 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 fill in the depositing form, giving the sum of money youre 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

24、 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。 Id like to pay 200 yuan into my deposit account. 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。 Id 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 travel

25、ers cheque? 请兑现这张旅行支票好吗？ Id like to cash this money order. 我想兑现这张汇款单。 I want to cash the balance of a travelers letter of credit. 我要把旅行信用证的结余兑现。 Will 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

26、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 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 travelers checks cost

27、 1.5% of the total amount of purchase. 旅行支票手续费是购买总额的1.5%。 Heres the cheque book. When you send a cheque by post be careful to cross it, but 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

28、支票将花2美圆。Useful Words and Phrasesaccount number 帐目编号depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机to deposit 存款deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折 credit card 信用卡 principal 本金 overdraft, overdraw 透支 to counter sign 双签 to en

29、dorse 背书 endorser 背书人 to cash 兑现 to honor a cheque 兑付 to dishonor a cheque 拒付 to suspend payment 止付cheque,check 支票cheque book 支票本order cheque 记名支票bearer cheque 不记名支票crossed cheque 横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根cash cheque 现金支票travelers cheque 旅行支票 cheque for trans

30、fer 转帐支票 outstanding cheque 未付支票 canceled cheque 已付支票 forged cheque 伪支票 Bandars note 庄票，银票银行英语口语取款、结余银行英语口语取款、结余Id 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

31、to close my account with you.我想结束在你们这儿的帐户。Id 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 balance? 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 accou

32、nt 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 draw 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

33、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 Phrases to close an account, to clear an account 结清 to draw money 取款 drawing-out slip 取款单 the number slip 号码牌 a withdrawal form 取款单 to fill in the receipt in dupl

34、icate 一式两份填这张收据 teller, cashier 出纳员银行英语口语兑换货币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？ Whats it you wish to change? 你有什么要换的？ What kind of currency do yo

35、u 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 travelers cheques? 换旅行支票吗？ Id like to know how I shall give it to you. 我想知道如何付钱给你。 How would you like it? 你要什么面额的？ Would you kindly sign the exchan

36、ge 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。EURO Would you please give me seven five-pound notes, four pound notes a

37、nd four ten-shilling notes, and the rest in small change. 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。 Would you mind giving me the six pence in coppers? 劳驾给我6便士的铜币。 Id 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 change these French francs for me? 能给我兑换

38、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？ Id like to convert the full amount of the remittance into U.S. dollars. 我想把全部汇款换成美圆。 Id like some coins for this note. 我想把这张纸币换成硬币。 Id like to break this 50 dollar note. 我想把这张50美圆纸币换开。 Five twenties and ten singles, please. 请给我5张2

39、0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 youll give me ten travelers 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 Phrases currency, money 货币 money changing 兑换货币 an

40、 exchange form 兑换单 bank note 钞票 note of large denomination 大票 note of small denomination 小票 small change 零钱 subsidiary money 辅币 nickel piece 镍币 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银行英语口语储蓄存款利息 Whats the interest rate for the savings account? 储蓄存款的利率是多少？ Do you pay inte

41、rest 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 interest is add

42、ed 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 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payable inter

43、est 应付利息lending rate 贷款利率usury 高利贷the subsidy rate for value-preserved savings 保值储蓄补贴率银行英语口语外汇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。Whats your selling rate for RMB yuan in notes today?你们今天人民币现钞的售价是多少？Whats the dollar going for today?美圆今天的售价是多少？Our buying rate for notes is 523

44、 yuan for 100 dollars.我们100美圆的现钞买入价是523元。Its 200 French francs at todays selling rate.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 selling rate 卖出价格 And how much will it be in Japanese currency? 换成日本币是多少？ How much would I ge

45、t for 300 Japanese yen? 300日圆可兑换多少钱？ Id like to know the exchange rate for German marks. 我想知道德国马克的兑换率。 What rate are you giving? 你们提供的兑换率是多少？Whats the exchange rate today?今天的兑换率是多少？Please tell me what you would give me for my U.S. dollars.请告诉我这些美圆可以兑换多少钱。Please tell me the current rate for sterling.

46、请告诉我英国货币的现行兑换率。 If youll wait a moment, Ill find out the rates of exchange.请等一会儿，我查一下兑换率。Please wait a moment. Ill find out the exchange rate between U.S. dollars and RMB.请等一会儿，我查一下美圆对人民币的兑换率。 Its 470 yuan for 100 dollars. 100美圆可兑470元。 The exchange rate today is 200 yen to the pound. 今天的兑换率是一英镑可兑200

47、日圆。 The rate for travelers cheques is 300 yuan against 100 dollars. 旅行支票的兑换率是100美圆兑300元。 These dollars are worth 1,000 yuan. 这些美圆可换1000元。 Useful Phrases exchange table, conversion table 汇兑换算表 foreign exchange 外汇 exchange rate 外汇率 conversion rate 折合率 foreign exchange restriction 外汇限额 foreign exchange

48、 quotations 外汇行情 to check the rate for sb. 查牌价对话练习 对话（1）（找人） Customer： Excuse me, but could you help me？ Clerk：With pleasure. What can I do for you？ Customer： Could you tell me where I can find Mr. Zhang？ Clerk： Sure, Miss. Mr. Zhang is upstairs. Customer： Thank you very much. Clerk： Not at all， mis

49、s.对话（2）（开户）Clerk: Good morning, can I help you? Customer: Good morning. Id like to deposit some money. Clerk: Ok. Would you like to open a current account or fixed account? Customer: USD 1,000 for current account, USD 5,000 for fixed account for a year. Clerk: Then cash account or exchange account?

50、(现金帐户还是外汇)Customer: Sorry, what you said is beyond me. Clerk: An exchange account is an account opened with inward remittance from abroad, and a cash account is opened with foreign currency in cash. Customer: Ok, I got it. Today, Id like to deposit in cash. Clerk: I recommend savings deposit account

51、 passbook and fixed savings account passbook. You can deposit not only USD dollars, but also RMB,GBP, Japanese Yen and others. Please fill in these forms please. Customer: Ok. Customer: Here you are. Clerk: Your passport and money, please. Customer: Ok. Clerk: Thank you.对话（3）（开户）Customer： Do you cha

52、rge for cheques？Clerk: Yes we do. Each cheque you write will cost RMB 2.Customer： Do I have to deposit a large sum of money if I want to open a cheque-savings account？Clerk： Not necessarily, sir.Customer： Regarding the interest rate, what is the difference between a savings account and checking acco

53、unt？Clerk： Not big difference, sir.Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit？Clerk： Definitely.对话（4）（开户）Clerk: Good morning, can I help you? Customer: Good morning. Id like to deposit some money. Clerk: Ok. Would you like to open a cur

54、rent account or fixed account? Customer: USD 1,000 for current account, USD 5,000 for fixed account for a year. Clerk: Then cash account or exchange account? (现金帐户还是外汇)Customer: Sorry, what you said is beyond me. Clerk: An exchange account is an account opened with inward remittance（汇款） Customer: Ok

55、, I got it. Today, Id like to deposit in cash. Clerk: I recommend savings deposit account passbook and fixed savings account passbook. You can deposit not only USD dollars, but also RMB,GBP, Japanese Yen and others. Please fill in these forms please。 Customer: Ok. Customer: Here you are. Clerk: Your

56、 passport and money, please. Customer: Ok. Clerk: Thank you.对话（6）（开户）Customer: Id like to open a savings account. Whats the interest rate now?Bank clerk: It is 3.2%. You may earn a little interest on money.Customer: Is there any minimum deposit for the first time?Bank clerk: Yes, the opening minimum

57、 deposit is 1,000 Yuan.Customer: What about the later deposits?Bank clerk: For the later deposits, you can deposit any you want. Even one Yuan is OK.Customer: OK, thats good.Bank clerk: Your ID, please.Customer: Here you are, a thousand Yuan and my ID.Bank clerk: Wait a moment, please Here is your b

58、ankbook. Keep it well please.Customer: Thanks, I will.对话（7）Clerk: Excuse me, do you want to register a code? Customer: Yes, may I enter 4 digits. Clerk: Sorry, the code must be 6 digits. Customer: ok. Clerk: please repeat it, thank you. After a while Clerk: Sir, here is your deposit books and passpo

59、rt. Customer: Thank you. May I ask you some questions? Clerk: My pleasure. Customer: Are there any stipulations（规定）for drawing from a deposit book? Clerk: According to the regulations（法规） of the PBOC（中国人民银行）, for drawing cash from a foreign exchange account of a foreigner, a commission of 0.3% is ch

60、arged on the amount of drawing. And if you draw more than USD$10,000 or RMB50,000 or the same amount of other currencies at a time, you have to show your passport or ID Customer: This is a one year time deposit. Do I have to come here for renewal each it expires? Clerk: No. If you do not come here a