个人金融业务英语服务手册课件市公开课一等奖省赛课微课金奖课件

个人金融业务柜面英文服务用语

PersonalBankingService

inEnglish

年12月个人金融业务英语服务手册课件第1页1/105日常接待和服务

DailyReceptionandService金融服务英语个人金融业务英语服务手册课件第2页2/105

日常业务1

deposit存款withdraw取款balance余额

currentdeposit/account活期存款timedeposit/account定时存款toclose/clearanaccount结清depositbook/passbook

存折讨论：零存整取怎么说？Installmentsaving1、词汇个人金融业务英语服务手册课件第3页3/105Whatsortofaccountdoyouwant/like?请问您要开立哪种帐户？Howmuchdoyouwanttodeposit/withdraw?

请问您想存（取）多少钱？Iwanttodeposit300yuanintomyaccount.

我想在我户头上存300元。

2、惯用句型

日常业务1

个人金融业务英语服务手册课件第4页4/105Whatdenominationdoyouwant?Inwhatdenomination?Howwouldyouliketohaveit?

请问您需要哪种票面现金？I‘dliketomakeamoney/anaccounttransfer

我要转帐。Iwanttodepositthesechequesintomyaccount.

我想把这些支票存在我户头上。

日常业务1

个人金融业务英语服务手册课件第5页5/105I'dliketoreportthelossofmycreditcardandcancelit.

我要办理信用卡挂失并取消那张卡Doyouofferinter-banktransferservice?

你们有跨行转帐服务吗？YouneedtopaythefeeforTT.WewillchargecommissionforTT.

办理电汇要交手续费。

Wewillchargeacollectionfeeof2Yuan.我们要加收2元人民币费用。

日常业务1

个人金融业务英语服务手册课件第6页6/105你必须把大小写数额都写上。Pleasewritetheamountbothinnumbersandinword.请填好这张申请表并签上您名字。Pleasefillinthisapplicationformandsignyourname.

日常业务1

个人金融业务英语服务手册课件第7页7/105最低金额为一元。TheminimumamountisoneYuan.最小起存金额为一元。OneYuanistheminimumoriginaldeposit.您必须在开始存入50元。Youhavetodepositaninitialamountof50Yuan.

日常业务1

个人金融业务英语服务手册课件第8页8/105

B:Goodmorning,sir.IamfromJapan.Canyouhelpme?用户：你好，先生。我是日本人。你能帮忙吗？

A:Itismypleasure,whatcanIdoforyou?职员：很高兴为您效劳，我能为您做点什么？B:Oh,Iwanttochangesomemoney,butIdonotknowhowtofillouttheexchangememo.用户：啊，我想兑换些钱，但不知道怎样填写兑换水单。

日常业务1

3、情景对话（分角色朗诵对话）个人金融业务英语服务手册课件第9页9/105

A:Wouldyoumindtogivemeyourpassportandwritedownyournameonthispaper?

职员：您能把您护照给我，并把您名字写在这张纸上吗？

B:Herearemypassportandname.MynameisTanaka.用户：给你护照和姓名，我叫田中。A:Good.Iwillfillouttheexchangememoforyounow.Whydonotyoutakeaseatoverthereforamoment?职员：好，我现在就为您填写这张兑换水单。您请在那里坐一会行吗？B:OK.Thanks.用户：好，谢谢。

日常业务1

个人金融业务英语服务手册课件第10页10/105A:Pleasekeepyourexchangememosafely,ifyouwillhaveRenminbileft,youmayconverttheunusedRenminbibackintoJapanyenwiththisexchangememo职员：请您保管好您这张兑换水单,方便您有没用完人民币兑换成日圆B:Thankyouindeed.Iwilldothat.用户：我会保管好。谢谢A:Notatall.职员：不用谢。

日常业务1

个人金融业务英语服务手册课件第11页11/105

情景对话

A:Excuseme,sir.IsthereanythingIcandoforyou?B:Yes.I'dliketochangesomemoney,please.A:Allright.Howmuchwouldyouliketochange?B:Letmesee.Ithinkmaybe600USDatleast.A:Pardon?B:SixhundredUSdollars.A:I'msorry,sir,after7:00PM,thechangemaximumlimitisUS$400accordingtoourregulations.B:ButIambadlyinneedoftheamount.MightIaskyoutomakeanexceptionforme?A:I'mafraidwecannothelpyou,sir,becausethatwouldbeviolatingtheRegulation.IoweanapologyfordoingnothingaboutitB:It'sjusttoobad.Ihavetoleaveitasitis,andthankyoujustthesame.个人金融业务英语服务手册课件第12页12/105A:Ineedtoopenasavingsaccount.What'stheprocedureforit?B:First,youneedtocompleteadepositslip.A:Anyfeesfortheservice?B:No.Thereisn'tanyservicecharge.Wouldyouliketohaveapassword?A:Yes,I'dliketo.B:Pleasepressthebuttonsonthismachine,andenteryourpinnumberforfourdigit.Whatsortofaccountdoyouwant?A:I'dratheropenacurrentaccount.B:Theannualinterestrateis3.5%.A:Good.I'dliketodeposit300dollars

情景对话

个人金融业务英语服务手册课件第13页13/105惯用句型能够出示一下您护照么？Wouldyoumindshowingmeyourpassport?能够看一下您身份证么？CouldyoupleaseshowmeyourIdentityCard?

日常业务1

个人金融业务英语服务手册课件第14页14/105汇率显示在那边电子屏幕上。TheexchangerateisshownontheElectronicRateBoardoverthere.今天人民币兑美元汇率是725元人民币兑100美元。Today’sexchangerateofRMBtoUSDis725Yuanto100dollar.美元买入价是725元人民币兑换100美元。ThebuyingrateofUSdollarnoteis725Yuanper100dollars.

日常业务1

个人金融业务英语服务手册课件第15页15/105一年定时存款利率是3.78%。Theinterestrateofoneyeartimedepositis3.78percent.我们执行中央银行许可利率政策。WepaytheinterestattheratepermittedandindicatedbytheCentralBank.

日常业务1

个人金融业务英语服务手册课件第16页16/105调解纠纷个人金融业务英语服务手册课件第17页17/105confiscate没收forgednotes假币counterfeit伪造relevant

相关regulation要求technicalexamination技术判定understanding了解

1、词汇个人金融业务英语服务手册课件第18页18/105Calmdown/cooldown冷静Serious严重Misunderstanding误会Improve提升、改进Suggestion提议Regret/apologize

抱歉Assistantmanager经理助理Discuss讨论Disturb打搅个人金融业务英语服务手册课件第19页19/105Sir,Iamtheservicemanager.Wouldyoupleasetellmewhathappened？先生您好，我是服务经理，您能告诉我是怎么回事么？Well,pleasecalmdown,IthinkthereisnothingseriousandIcanhelpyouwiththeproblem.Comewithme,please.请您先冷静下来，我认为事情并没有那么严重，我能够帮助您处理问题，请跟我来。Wearesincerelysorryforthismisunderstanding,butcouldIaskyouforyourcooperationandunderstanding?对于这个误会我们感到非常抱歉，不过我希望能够得到您了解与合作，好吗？2、惯用句型个人金融业务英语服务手册课件第20页20/105Aftertechnicalexamination,wefindthisnoteiscounterfeit.经过技术判定，我们发觉这张现金是伪造。Accordingtotherelevantregulations,forgednotesaretobeconfiscated.依据相关要求，假币应该没收。个人金融业务英语服务手册课件第21页21/1053、情景对话A:Goodmorning,I’mtheservicemanager.Wouldyoupleasetellmewhathappened?早晨好，我是这里服务经理。您能告诉我是怎么回事吗？B:Thisladytoldmemynotesarecounterfeit!It’sunbelievable!这位女士告诉我钱是伪钞！太不可置信了！A：Well,pleasecalmdown,Icanhelpyouwiththeproblem.Comewithme,please.嗯，请您冷静一下，我能够帮助您，请跟我来。

个人金融业务英语服务手册课件第22页22/105A:I’msorrytotellyou,madam.Ourgeneralmanagerisnotavailableatthismoment.ButI’dbemorethangladtogetourassistantmanagerforyouifyoulike.太太，很抱歉告诉您，我们总经理现在不在。不过假如您愿意，我非常能够带您去见我们经理助理。B:OK.好。A:onemoment,please.请稍等。C：Oh…I’msorrymadam,aftertechnicalexamination,wefindyournote

iscounterfeit.Accordingtotheregulations,forgednotesaretobeconfiscated.噢…很抱歉，太太，经过技术判定，您这张钱币是伪造。依据要求，我们应该没收您假钞。个人金融业务英语服务手册课件第23页23/105外币兑换ForeignCurrencyExchange

个人金融业务英语服务手册课件第24页24/1051.Foreignexchangerate外汇汇率

['fɔrin]

2.exchangememo水单

[iks'tʃeindʒ]['meməu]

3.theAdministrationofForeignExchange(SAFE)外管局

[ədminis'treiʃən]4.theCentralBank央行5.ChinaBankingSupervisoryCommission(CBRC)银监会

[sju:pə'vaizəri][kə'miʃən]6.USdollars美元USD7.Poundsterling['stə:liŋ]英镑GBP8.Euros欧元EUR9.Japaneseyen日元JPY10.HongKongdollars港币HKD个人金融业务英语服务手册课件第25页25/1051.问询兑换何种外币？A:Whatkindofcurrencydoyouwanttoexchange?B:IwanttoexchangesomeUSdollarsintoRMB.A:Sorry,wedon’tchangeSwissFrancatpresent.2.问询兑换多少？A:Howmuchwouldyouliketochange?B:Iwanttochange500dollars.个人金融业务英语服务手册课件第26页26/1053.确认客户是否带了护照Doyouhaveyourpassport?/Pleaseshowmeyourpassport.4.通知客户兑换利率B:CouldyoutelltheexchangerateA:It’sRMB691.85against100USdollars.It’sRMB691.85per100USdollars.Theexchangeratetodayis6.9185RMBtooneUSdollar.个人金融业务英语服务手册课件第27页27/1055.请客户在水单上签字Pleasesignyournameatthebottomoftheexchangememo.6.完成兑换并提醒客户保管好水单HereisyourexchangedRMBandyourpassport.Pleasekeepthismemocarefully.YouhavetoshowthememotothebankwhenyouconvertanyunusedRMBbackintoforeignexchange.个人金融业务英语服务手册课件第28页28/105外籍人士人民币（收入）购置外币依据我国外汇管理要求，外籍人士能够凭护照兑换等值500美元外币。假如超出等值500美元，需要提供护照、收入证实和相关完税证实

AccordingtoChina’sFXregulations,foreignerscouldexchange500USDORequivalent,ifyouwanttoexchangemorethan500,weneedyourpassport,incomecertificateandrelevanttaxcompletion/fulfillmentcertificate.个人金融业务英语服务手册课件第29页29/105剩下人民币兑换成外币A:Goodmorning,Sir,whatcanIdoforyou?B:Yes,please.Ihaveyuan,andIwanttochangebackintoUSdollars.A:Certainly,pleaseshowmeyourpassportandtheexchangememo.B:Exchangememo?A:Yes,itistheCertificateprovingthatyouexchangedyourcountry’scurrencyintoRMBwhenyoufirstcametoChina.Or:Yes,thatisthecertificatefromthebankwhenyouchangedyourmoneyintoRMByuan.个人金融业务英语服务手册课件第30页30/105B:OK,Isee.Hereitis.A:Thanks.Pleasewaitamoment.B:OK.A:Today’sexchangerateis7.1000,andherearethecashandyourpassport.B:Thanks.AYouarewelcome.Byeandhaveaniceday.B:Bye.个人金融业务英语服务手册课件第31页31/105旅行支票

Traveler’sCheques

个人金融业务英语服务手册课件第32页32/105个人金融业务英语服务手册课件第33页33/105惯用词语支票：Checks/Cheques旅行支票：traveler’scheques购置旅支协议书：Purchase['pə:tʃəs]

Agreement/Purchaserecord审核/查实：verify['verifai

]

授权书：authorization[ɔ:θərai'zeiʃən]

letter索赔申请表：RefundClaimForm署名：signorsignature['signitʃə]

复签：countersign['kauntəsain]

个人金融业务英语服务手册课件第34页34/105（一）旅行支票兑付兑现过程问询客户>>出示护照或身份证>>检察初签>>当面复签>>查对初复签及支票真伪>>填制单证>>交付现金个人金融业务英语服务手册课件第35页35/105问询客户兑换需求A:CanIhelpyou?B:Iwanttocashsometraveler’schecks?A:Howmuchdoyouwanttocash?B:IwanttocashUSD500.个人金融业务英语服务手册课件第36页36/105要求客户初具护照并在支票上复签CanIseeyourpassportoridentitycard?

Pleasecountersignthechecks.Iamsorry,yourchecksarealreadycountersigned,couldyoupleasesignagainonthebackofcheck.个人金融业务英语服务手册课件第37页37/105问询兑换币种，通知费率A:Whatcurrencydoyouwant,USDorRMB?B:IwouldliketohaveUSD/RMB,please.A:Wewillcharge0.75%ofthefacevalue,whichisUSD3.75,thenetamountaftercommissionisUSD496.25.个人金融业务英语服务手册课件第38页38/105外币兑换零钞将折算成人民币AswedonotoffersmallchangeofUSD,howaboutwegiveyouUSD496,forthechangeofUSD0.25,wewillgiveRMBequivalent.Today’s/nowtheExchangerateis7.0150,herearetheexchangememoandthetotalRMB3481.20.

个人金融业务英语服务手册课件第39页39/105抱歉不能兑换客户旅行支票Sorry,weareunabletocashyourcheckasthesignaturesaredifferent.Sorry,weareunabletocashyourcheckrightnow,weneedtocontacttheservicecenteroftheissuingcompany,forauthorization.Sorry,weareunabletocashyourcheck,sinceitisatransferredone,wehavetomakeacollection.个人金融业务英语服务手册课件第40页40/105（二）购置旅行支票问询兑换币种，通知费率B:CanIbuytraveler’scheckhere?A:Yes,howmuchwouldyouliketobuy?B:Whatisyourcharges/fee/commission?A:Ourchargeis0.1%个人金融业务英语服务手册课件第41页41/105问询客户需要旅行支票面额

A:Wehavetwokindsoftravelerchecks,oneisUSD100parvalue,anotherisUSD50parvalue,whichdoyoulike?B:Iwouldliketohave300in100denomination,andrest200in50denomination.个人金融业务英语服务手册课件第42页42/105提醒收妥购置协议并在每张支票上初签

Herearethepurchaseagreementandthechecks,pleasesignoneachcheck.Pleasekeepthepurchaseagreementcarefullyandsafely,incaseforfutureuse.个人金融业务英语服务手册课件第43页43/105（三）旅行支票遗失处理请问您把“购置旅行支票协议书”带来了吗?Haveyougotyour“PurchaseAgreement”withyou?or:DoyoubringthePurchaseAgreementwithyou?2.请赶快和旅行支票企业联络。PleasecontacttheTraveler’schequescompanyassoonaspossible，tellthemalltheparticularsofthecheques.,thelossandyourpersonalinformation.个人金融业务英语服务手册课件第44页44/105TheywillfaxanauthorizationletterandaRefundClaimFormtoourbank,andwewillassistyouinobtainingtherefund.（按照他们传真过来授权书和旅行支票遗失索赔申请表，我们将为您办理挂失理赔手续）4.Lastly,pleasefillouttheRefundClaimFormandsignyourname.（最终请您填写遗失索偿申请表，并签上您姓名）个人金融业务英语服务手册课件第45页45/105银行卡业务

Cardbusiness

个人金融业务英语服务手册课件第46页46/105常见词语银行卡：Bankcard借记卡：Debit['debit]

card贷记卡：Credit['kredit]card挂失：Lossreport存款：Deposit[di'pɔzit]取款：Withdraw[wið'drɔ:]

个人金融业务英语服务手册课件第47页47/105境外银行卡能否在国内取款B:IamfromEngland,canIwithdrawRMBusingmycreditcard/visacard?A:Yes,youmaywithdrawRMBcashfromATM.个人金融业务英语服务手册课件第48页48/105外籍人士申请开立农行银行卡：只需出示有效护照A:Hello.WhatcanIdoforyou?B:Yes.CanIapplyforabankcard?A:Certainly,canIhaveyourpassport.B:OK.Hereyouare.A:Howmuchdoyouwanttodeposit?申请银行卡个人金融业务英语服务手册课件第49页49/105不懂汉语能从ATM提款么？B:CanIwithdrawmoneyfromtheATM?Idon’treadChinese.A:Don’tworry,ourATMsarewell-equipped.TheyhaveinstructionsinbothChineseandEnglish.ATM提款个人金融业务英语服务手册课件第50页50/105B:Excuseme.There’ssomethingwrongwiththisATM,mycardhasbeenswallowed.A:Don’tworry.CanIseeyourpassportandtheATMreceipt?Or:Waitamoment,please.Isthisyourcard?Or:Pleasesignyournamehere,andhereisyourcardandthepassport.被ATM吞卡个人金融业务英语服务手册课件第51页51/105A:Hello.WhatcanIdoforyou?B:Ilostmycard.A:Nowpleasefilloutthisform.ThechargeforlossreportisfifteenYuan.B:Everythingisfine,andyourmoneyissafenow.Pleasecomeandcollectyourreissued/newcardaftersevenworkdays,Pleaseremembertobringthereceiptandyourpassportwithyou。银行卡挂失个人金融业务英语服务手册课件第52页52/105其它用语Youcanmakethelossreporteitherviaourcallcenter95599oroverthecounter.Thereisnowithdrawalorconsumptionrecordinyouraccounttoday.个人金融业务英语服务手册课件第53页53/105西联汇款

个人金融业务英语服务手册课件第54页54/105Vocabulary

西联汇款WesternUnionMoneyTransfer贵宾窗口VIPcounter发汇业务/收汇业务sendmoney/receivemoney发汇单/收汇单SendMoneyForm/ReceiveMoneyForm发汇人/收汇人sender/receiver服务费bankcharge/bankcommission[kə'miʃən]收据receipt[ri'si:t]

汇款监控号MoneyTransferControlNumber兑换单ExchangeBillNote客户服务中心CustomerServiceCenter个人金融业务英语服务手册课件第55页55/105目录客户到来时发汇业务正常情况发汇业务非正常情况收汇业务正常情况收汇业务非正常情况客户离开时个人金融业务英语服务手册课件第56页56/105使用西联汇款业务是您明智选择，西联汇款是全球速度最快。WesternUnionMoneyTransferisyourwisechoice.ItisthefastestwaytotransfermoneyworldwideIfyouhavetimetosaythat,youmightwanttosaysomethinglike:请问您办理办剪发汇业务还是收汇业务？Doyousendmoneyorreceivemoney?个人金融业务英语服务手册课件第57页57/105当然，假如自己处理不了，你能够：请到贵宾客户窗/XX号窗办理西联汇款业务。PleasegototheVIPCounter/No.XXCounter请稍等，我帮你找人来做Pleasewaitasecond,Iwillgetsomeonetohelpyou个人金融业务英语服务手册课件第58页58/105发汇业务正常情况

请您填写发汇单。PleasefillintheSendMoneyformPleasefillinthisform请问您汇出多少钱？Howmuchdoyouwanttosend?请出示您护照和签证，谢谢合作！Pleaseshowmeyourpassportandvisa.ThankyouforyourcooperationPassportplease.Thankyou个人金融业务英语服务手册课件第59页59/105请您稍等，我将尽快为您办理好这笔汇款Pleasewaitforaminute.ItwillbeOKsoonPleasewaitamoment.Thisshalltakenotime假如你需要起身暂时离开一下，请一定要说一声：IwillberightwithyouIwillbeback个人金融业务英语服务手册课件第60页60/105您汇款本金是500美元，服务费15元，一共是515美金

Foryour500Dollars,thechargesare15Dollars.Totalamount515Dollars,please!一些数字简便说法：

1000Onegrand$5.26Fivetwentysix984,798,748碰到这种情况最好还是挨个念数字好…

个人金融业务英语服务手册课件第61页61/105这是您收据。请小心保管

Hereisyourreceipt.Pleasekeepitcarefully这是您汇款监控号。请将此告诉收款人，这么他/她取款会更方便ThisisyourMoneyTransferControlNumber.Pleasetellthereceiveraboutit.He/ShewillgetthemoneymoreeasilywiththisnumberThisisyourReferenceNumber.Pleasetellthereceiveraboutitsothathewillgetthemoneyeasily个人金融业务英语服务手册课件第62页62/105请告诉收汇人去就近带有西联标识网点，带上他/她证件，而且告诉柜员汇入金额、从何地汇入？如核实无误，她/他会收到这笔钱TellthereceivertogotothenearestplacewhichhasWesternUnionsign,andbringhis/hercertificate.Alsoshe/heshouldtellthecounterhowmuchyousendandfromwhere.Afterchecking,she/hewillgetthemoneyPleasetellyourfriendtobringhisIDandgotothenearestplacewhichhasWesternUnionservice.Tellthemhowmuchandfromwhereyouhavesentthemoney.Whenitisapproved,hewillgetthemoney

个人金融业务英语服务手册课件第63页63/105发汇业务非正常情况对不起，您款项有误。请您重新清点一下好吗Excuseme?I’mafraidyouramountiswrong.Wouldyoupleasecheckagain?对不起，您忘记署名了。请您在这里署名。谢谢！

Excuseme?Youforgottosignyourname.Pleasesignyournamehere.Thankyou!对不起，电脑系统出故障了，请稍等I’msorry.Thereissomethingwrongwiththecomputersystem.Pleasewaitforawhile个人金融业务英语服务手册课件第64页64/105收汇业务正常情况请您填写收汇单

PleasefillintheReceiveMoneyform请填写汇款监控号，它将有利于您得到愈加紧捷服务

IfyouknowtheMoneyTransferControlNumber,pleasewriteitdownhere.Itisquiteusefulforafastservice请出示您护照

Yourpassportplease个人金融业务英语服务手册课件第65页65/105请问您需要美元还是人民币？

DoyouwantDollarorRMB?这是您汇款1000美元和收据。请您把款清点一下！

Hereisyourmoneyof1000dollarsandyourReceipt.PleasechecktheamountHereareyour1000dollarsandReceipt.Pleasecheckit

个人金融业务英语服务手册课件第66页66/105这是8100元人民币和兑换单，请您清点一下Thisis8100RMBandtheExchangeBillNote,pleasecheckit个人金融业务英语服务手册课件第67页67/105收汇业务非正常情况对不起！您填写发汇人/收汇人姓名与我们统计有些不一样。您能确认填写无误吗？

Excuseme！I’mafraidtheSender’s/Receiver’snameyouwroteisdifferentfromourrecord.Areyousureitiscorrect?对不起！还是不对。我必须打电话给客户服务中心。请您稍等。Sorry,it’sstillwrong.Ihavetocontactthecustomerservicecenter.Pleasewaitforaminute个人金融业务英语服务手册课件第68页68/105对不起，让您久等了！我这就把款项解付给您Sorrytokeepyouwaiting!Icangiveyouthemoneyrightnow对不起！您忘记署名了。请您在这里署名（收汇单和国际收支申报单署名处）。谢谢！

Excuseme?Youforgottosignyourname.Pleasesignyournamehere.Thankyou!个人金融业务英语服务手册课件第69页69/105客户离开时感激您选择我们服务！

Thankyouforchoosingourservice!感激您选择西联汇款！ThankyouforchoosingWesternUnionMoneyTransfer!很高兴为您服务！Itismypleasure!说再见有很各种：Goodbye,Bye,Seeyou,Takecare个人金融业务英语服务手册课件第70页70/105您能留下联络电话吗？款项到了以后我们给您打电话

Pleasetellusyourtelephonenumber;wewillcallyouassoonasthemoneyarrives您钱已经汇到了，一千英镑

Yourmoneyhasarrived.AthousandpoundssterlingOnethousandpounds/Onethousandsterling

个人金融业务英语服务手册课件第71页71/10520英镑是银行对国际清算收取费用。这是对全部客户收取标准费用The20poundsarethebankchargesforinternationalclearing.Thisisthestandardchargeforallcustomers.20poundsisthestandardchargeforinternationalclearing.您要人民币还是英镑？

Howwouldyouliketohaveit,sir?InRMBorsterling?个人金融业务英语服务手册课件第72页72/105外汇汇款

REMITTANCE

个人金融业务英语服务手册课件第73页73/105PartI:TopicIntroductionMakeinwardandoutwardremittancethatfocusonmostinternationalpeople,whoeitherreceivesomemoneyfromabroadorwouldliketosendsomemoneyoutofChina.针对外国友人汇入汇出业务一些服务用语，其中既包含了把钱从国外汇到国内服务用语，也包含了从中国汇出到国外服务用语。个人金融业务英语服务手册课件第74页74/105InwardRemittance汇入汇款Thewayofsettlementthat,entrustedbythecustomers,theforeigncorrespondentbanksorsister-branchesremitsthefundintothedomesticbankandinstructsittopaythefundtothepayee.Thewayofremittanceincludestelegraphictransfer(T/T),mailtransfer(M/T),andbanker’sdemanddraft(D/D),amongwhichT/TandD/Dareusedmostcommonly.汇款包含电汇（T/T)，信汇（M/T)，和票汇（D/D)，其中电汇和票汇最为惯用。个人金融业务英语服务手册课件第75页75/105Outward

Remittance

汇出汇款Outwardremittancemeanstheremittingbank,entrustedbytheremitter,remitfundstohissister-banksorhiscorrespondentbanksbythecertaininstrumentandinstructthemtopaythecertainamounttothenominatedpayee.Theinstrumentsofremittanceincludestelegraphictransfer（TT）,mailtransfer(MT),anddrafttransfer(DD),amongwhichtelegraphictransferanddrafttransferareusedmostcommonly.汇款包含电汇（T/T)，信汇（M/T)，和票汇（D/D)，其中电汇和票汇最为惯用。个人金融业务英语服务手册课件第76页76/105PartII:GlossaryOutwardremittance[ri'mitəns]

汇出汇款Inwardremittance汇入汇款Foreignremittance国外汇款Domesticremittance国内汇款Fundstransfer资金转移，汇款Payer付款人Payee收款人Beneficiary[.beni'fiʃəri]

收款人，受益人Remittingbank汇出行Paying付款行，汇入行个人金融业务英语服务手册课件第77页77/105Modeofremittance汇款方式Telegraphictransfer(T/T)电汇Mailtransfer(M/T)信汇Demanddraft(D/D)票汇，即期汇票Draft汇票Billofexchange(B/E)汇票Applicationforremittance汇款申请Advanceremittance预付汇款个人金融业务英语服务手册课件第78页78/105PARTIII:CommonExpressionsHowwouldyouliketoremitthemoney?您想采取什么方式汇款？Whatmodesofremittancedoyouprovide?

你们提供哪些种类汇款服务？ThefeeforD/Dishigher.

票汇手续费要高些。Howmuchwouldyouliketoremit?

您想汇多少钱？个人金融业务英语服务手册课件第79页79/105Theremittancefeeissubjecttotheamountandthemodeofremittance.

汇费取决于汇款金额和汇款方式。Towhomdoyouwanttoremitit?您想汇给谁？Whenthepayeepresentsthedemanddraft,thepayingbankwillhonorit.

当收款人提醒即期汇票时，汇入行就会兑付。

个人金融业务英语服务手册课件第80页80/105PartIV:Dialogues对话1.HowtoMakeanOutwardRemittance?汇出汇款

2.HowtomakeinwardRemittance?汇入汇款

3.HowtomakeinwardRemittance?汇入汇款

个人金融业务英语服务手册课件第81页81/1051.HowtoMakeanOutwardRemittance?汇出汇款A:Goodmorning,Sir/Madam.WhatcanIdoforyou?早上好，先生/女士。我能为您做点什么？B:IwanttoremitsomemoneytoLondon.我想汇一笔钱到伦敦。A:Howmuchwouldyouliketoremitandinwhatcurrency?您要汇多少钱？是什么货币？B:1,000pounds.1000英镑。A:Generally,therearetwomodesofremittanceforyourchoice.普通来说，有两种方式可供你选择。B:Twomodesofremittance?Whatarethey?两种汇款方式？哪两种？个人金融业务英语服务手册课件第82页82/105A:T/TandD/D,andtheyareshortforTelegraphicTransferandDemanddraft,respectively.T/T和M/T，它们分别是电汇和票汇简称。B:What’sthedifferencebetweenthem?这两种方式有什么差异？A:RemittancebyT/TisfasterthanthatbyD/D，butcommissionishigher.电汇方式比票汇方式快,但手续费也要高些。B:Ithinkthepayeeisnotinurgentneed.我想收款人不急需这笔钱。A:ThenIsuggestyoucantakeD/D.那我提议您能够选择票汇。B:OK.HowmuchdoyouchargefortheremittancebyD/D?票汇收多少手续费？个人金融业务英语服务手册课件第83页83/105A:3poundsforeach100pounds,sowe’llchargeyou30poundsfor1000poundstoberemitted.每汇100英镑手续费是3英镑。1000英镑手续费是30英镑。B:CanIpayRenminbiforthecharge?我能够用人民币付么？A:Yes.Accordingtothecurrentrate,that’s420yuan.能够。按现行汇率，这笔汇款手续费为420元。B:I’llpayinRenminbi.我付人民币。A:Allright.PleasefillintheApplicationFormforRemittance,andsignyourname.Onemorething,pleasewritedowntheamountbothinnumbersandinwords.好。请填写一下汇款申请书并署名。还有，金额既要用阿拉伯数字也要大写。个人金融业务英语服务手册课件第84页84/105B:OK.Herearethe1000pounds,420yuan,andthecompletedform.好，这是1000英镑、420元以及填好表。A:Allright.Butyouhaven’tindicatedhowyouliketoremitthemoney.能够。但您没有注明汇款方式。B:I’msorry.Ileftitout.IthinkI’dlikeitremittedbyM/T.对不起，我填漏了。我想信汇。A:That’sallright.Hereisthereceipt.Thecalculationofexchangeiswrittenonitforyourreference.好。这是收据，上面写有外汇兑换计算情况供您参考。个人金融业务英语服务手册课件第85页85/105B:Thankyouverymuch.非常感激。A:Thankyouforchoosingourbank.PleasefeelfreetoaskforanybankingserviceduringyourstayinBeijing.感激您选择我们银行。您在京期间，如需办理任何银行业务请随时联络我们。B:Allright.好。A:Haveaniceday!Good-bye.祝您愉快，再见！个人金融业务英语服务手册课件第86页86/1052.HowtomakeinwardRemittance?汇入汇款A:Goodmorning,Sir.WhatcanIdoforyou?早上好，先生。我能为您做点什么B:Yes.I’mexpectingaremittancefromNewYork.Hasitarrived?是。我在等一笔纽约来汇款，它到了吗？A:MayIhaveyourname,please?能告诉我您名字吗？B:Ofcourse,mynameisJackJohnson.当然，JackJohnson。A:Couldyouspellitforme?请拼一下您名字好吗？B:J-A-C-K-J-O-H-N-S-O-N-S.个人金融业务英语服务手册课件第87页87/105A:Thankyou.Pleasewaitamoment.I’llcheckyourrecords.Oh,yes,yourmoneyhasarrived.It’s1000dollars.We’vemadeacreditentrytoyouraccount.谢谢，请稍等。我要查一下我们统计。哦，您钱已经到了，是1000美元。我们已贷记入您账户上了。B:Great!太好了！A:Howwouldyouliketohaveit,MrJohnson?您想怎么支取这笔钱呢，Johnson先生？B:I’dliketohavefiftytwentydollars.It’sconvenientforme.我想要50张20元面额，这么比较方便。A:OK,hereisyourmoney.Pleasecheckit.好，这是您钱，请查对。B:Thankyou.谢谢。

个人金融业务英语服务手册课件第88页88/105A:IsthereanythingelseIcandoforyoutoday?您还有别业务需要吗？B:No,thanks.That’sit.没有了，就这些。A:ThenThankyouforchoosingourbank.PleasefeelfreetoaskforanybankingserviceduringyourstayinBeijing.感激您选择我们银行。您在京期间，如需办理任何银行业务请随时联络我们。B:Allright.好。A:Haveaniceday!Good-bye.祝您愉快，再见！

个人金融业务英语服务手册课件第89页89/1053.HowtomakeinwardRemittance?汇入汇款A:Goodmorning,Sir.WhatcanIdoforyou?早上好，先生。我能为您做点什么？B:Yes.I’mexpectingaremittancefromNewYork.Hasitarrived?是。我在等一笔纽约来汇款，它到了吗？A:MayIhaveyourname,please?能告诉我您名字吗？B:Ofcourse,mynameisJackJohnson.当然，JackJohnson。A:Couldyouspellitforme?请拼一下您名字好吗？B:J-A-C-K-J-O-H-N-S-O-N-S.个人金融业务英语服务手册课件第90页90/105A:Thankyou.Pleasewaitamoment.I’llcheckyourrecords.I’msorry,sir.Theremittancedoesnotappeartohavearrivedyet.谢谢，请稍等。我要查一下我们统计。对不起，先生。您汇款还没有到。B:Really?Itshouldhavearrived.Howlongdoesittakefortheremittancetoarrivehere?是吗？应该到了。汇款普通要多久才能到？A:Itdepends.Ifthemoneywassetbycablee,,itwouldtakeaboutoneortwoworkingdays.Butifitwassentbyairmail,itwouldtakeatleastoneweek.那要看情况而定。假如是电汇只要1-2个工作日，但假如是信汇话，最少要1个星期时间。B:Well,thenI’llcometomorrow.那好吧，我明天再来。

个人金融业务英语服务手册课件第91页91/105A:Wouldyouliketoleaveusyourtelephonenumber,thenwe’llringyouupassoonastheremittancearrives?您是否愿意把您联络电话告诉我们，这么汇款一到我们就电话通知您？B:Thatwouldbeverykindofyou.Mynumberis12345678.MayIhaveyourname,please?那真是太好了。我电话号码是12345678。能问一下您名字吗？A:Ofcourse,MynameisWangFang.当然，我叫王芳。B:Thankyou,MsWang.谢谢你，王小姐。A:IsthereanythingelseIcandoforyoutoday?您还有别业务需要吗？B:No,thanks.That’sit.没有了，就这些。个人金融业务英语服务手册课件第92页92/105A:Thenthankyouforchoosingourbank.PleasefeelfreetoaskforanybankingserviceduringyourstayinBeijing.感激您选择我们银行。您在京期间，如需办理任何银行业务请随时联络我们。B:Allright.好。A:Haveaniceday!Good-bye.祝您愉快，再见！

个人金融业务英语服务手册课件第93页93/105PartV:ReviewandRole-playPleaseaskeachotherabouthowtomakeinwardandoutwardremittanceinEnglish.请用英文相互提问关于怎样汇入、汇出汇款。个人金融业务英语服务手册课件第94页94/105光票托收

CleanCollection

个人金融业务英语服务手册课件第95页95/105PartI:TopicIntroductionCleancollectionmeanscollectionoffinancialdocumentsnotaccompaniedbycommerci