國有銀行考試筆試-英語(常用語)

1、國有四大銀行筆試常用詞匯（P1-P10）（外資銀行會涉及單選或完型填空，請按需識記；面試側(cè)重口語40分鐘實用語面試，第11頁開始）已按照報考方向（技術(shù)類，營銷類、綜合管理類等）進(jìn)行分類。（1） 綜合管理類to counter sign 雙簽account number 帳號 depositor 存戶 pay-in slip 存款單 a deposit form 存款單 principal 本金 to deposit 存款 deposit receipt 存款收據(jù) private deposits 私人存款 certificate of deposit 存單overdraft, overdraw

2、 透支a banding machine 自動存取機(jī) construction bank 建設(shè)銀行 crossed cheque 橫線支票 blank cheque 空白支票 rubber cheque 空頭支票 cheque stub, counterfoil 票根 deposit book, passbook 存折(必考) credit card 信用卡 to endorse 背書 endorser 背書人 to cash 兌現(xiàn) to honor a cheque 兌付 to dishonor a cheque 拒付 to suspend payment 止付 cheque,check 支

3、票 cheque book 支票本 order cheque 記名支票 bearer cheque 不記名支票 cash cheque 現(xiàn)金支票 traveler's cheque 旅行支票cheque for transfer 轉(zhuǎn)帳支票outstanding cheque 未付支票 canceled cheque 已付支票 forged cheque 偽支票 Bandar's note 莊票，銀票 banker 銀行家 president 行長 savings bank 儲蓄銀行 Chase Bank 大通銀行 Citibank 花旗銀行 Hongkong Shanghai

4、Banking Corporation 匯豐銀行 Chartered Bank of India, Australia and China 麥加利銀行 Banque de I'IndoChine 東方匯理銀行 central bank, national bank, banker's bank 中央銀行 bank of issue, bank of circulation 發(fā)行幣銀行 commercial bank 商業(yè)銀行，儲蓄信貸銀行 member bank, credit bank 儲蓄信貸銀行 discount bank 貼現(xiàn)銀行 exchange bank 匯兌銀行

5、requesting bank 委托開證銀行 issuing bank, opening bank 開證銀行 advising bank, notifying bank 通知銀行 negotiation bank 議付銀行 confirming bank 保兌銀行 paying bank 付款銀行 associate banker of collection 代收銀行 consigned banker of collection 委托銀行 clearing bank 清算銀行 local bank 本地銀行 domestic bank 國內(nèi)銀行 overseas bank 國外銀行 uninc

6、orporated bank 錢莊branch bank 銀行分行 trustee savings bank 信托儲蓄銀行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投資公司 trust institution 銀行的信托部 credit department 銀行的信用部 commercial credit company(discount company) 商業(yè)信貸公司（貼現(xiàn)公司） neighborhood savings bank, bank of deposit 街道儲蓄所 credit union 合作銀行 cred

7、it bureau 商業(yè)興信所 self-service bank 無人銀行 land bank 土地銀行 construction bank 建設(shè)銀行 industrial and commercial bank 工商銀行 bank of communications 交通銀行 >mutual savings bank 互助儲蓄銀行 post office savings bank 郵局儲蓄銀行 mortgage bank, building society 抵押銀行 industrial bank 實業(yè)銀行 home loan bank 家宅貸款銀行 reserve bank 準(zhǔn)備銀

8、行 chartered bank 特許銀行 corresponding bank 往來銀行 merchant bank, accepting bank 承兌銀行 investment bank 投資銀行 import and export bank (EXIMBANK) 進(jìn)出口銀行 joint venture bank 合資銀行 money shop, native bank 錢莊 credit cooperatives 信用社 clearing house 票據(jù)交換所 public accounting 公共會計 business accounting 商業(yè)會計 cost accountin

9、g 成本會計 depreciation accounting 折舊會計 computerized accounting 電腦化會計 general ledger 總帳 subsidiary ledger 分戶帳 cash book 現(xiàn)金出納帳 cash account 現(xiàn)金帳 journal, day-book 日記帳，流水帳 bad debts 壞帳 investment 投資 surplus 結(jié)余 idle capital 游資 economic cycle 經(jīng)濟(jì)周期 economic boom 經(jīng)濟(jì)繁榮 economic recession 經(jīng)濟(jì)衰退 economic depressio

10、n 經(jīng)濟(jì)蕭條 economic crisis 經(jīng)濟(jì)危機(jī) economic recovery 經(jīng)濟(jì)復(fù)蘇 inflation 通貨膨脹 deflation 通貨收縮 devaluation 貨幣貶值 revaluation 貨幣增值 international balance of payment 國際收支 favourable balance 順差 adverse balance 逆差 hard currency 硬通貨 soft currency 軟通貨 international monetary system 國際貨幣制度 the purchasing power of money 貨幣購

11、買力 money in circulation 貨幣流通量 note issue 紙幣發(fā)行量 national budget 國家預(yù)算 national gross product 國民生產(chǎn)總值 public bond 公債 stock, share 股票 debenture 債券 treasury bill 國庫券 debt chain 債務(wù)鏈 direct exchange 直接（對角）套匯 indirect exchange 間接（三角）套匯 cross rate, arbitrage rate 套匯匯率 foreign currency (exchange) reserve 外匯儲備

12、foreign exchange fluctuation 外匯波動 foreign exchange crisis 外匯危機(jī) discount 貼現(xiàn) discount rate, bank rate 貼現(xiàn)率 gold reserve 黃金儲備 money (financial) market 金融市場 stock exchange 股票交易所 broker 經(jīng)紀(jì)人 commission 傭金 bookkeeping 簿記 bookkeeper 簿記員 an application form 申請單 bank statement 對帳單 letter of credit 信用證 strong r

13、oom, vault 保險庫 equitable tax system 等價稅則 specimen signature 簽字式樣 banking hours, business hours 營業(yè)時間 銀行英語口語新開帳戶What kind of account did you have in your mind?你想開哪種帳戶?閱讀題中常用語，有時候會涉及判斷題Do you like to open a current account?你想開一個活期存款帳戶嗎?A deposit or current account?定期還是活期?Please tell me how you would li

14、ke to deposit your money.請告訴我你想存何種戶頭?There's a service charge for the checking account but no charge for the savings.支票戶頭要收服務(wù)費，現(xiàn)金戶頭不收。Our minimum deposit for a savings account is 100 dollars.我們儲蓄存款的最低存款額是100美圓。Five yuan is the minimum original deposit.最低起存款額是5元。You can open a savings account at

15、any time with an initial deposit of 50 dollars.你可隨時以50美圓的起存額開立儲蓄帳戶。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.這是你的存折，存取款時請帶來。保管好存折，遺失請告訴我們。I should like to open

16、a current account.我想開一個活期存款帳戶。I need a checking account so that I can pay my bill.我需開個支票帳戶，這樣就能付帳。We'd like to know how we open a checking-savings account.我們想知道如何開一個支票儲蓄帳戶。I have a checking account here.我在這里有一個支票存款帳戶。I think I'd like a deposit account.我想要開個定期存款帳戶。Can I open a current account

17、 here?我能否在這兒開個活期存款帳戶？I want to open a deposit account with you.我要開個儲蓄帳戶。I'd like to open a deposit account with you.我想在你們這兒開個定期存款帳戶。Could you tell me the difference between a savings account and a checking account?請告訴我儲蓄存款與支票存款的區(qū)別好嗎？Please tell me the procedure for opening a savings account.請告訴我

18、開個儲蓄帳戶需要什么手續(xù)。Will 100 yuan be enough for a minimum deposit?100元作最低存款額夠嗎？I'd like to know whether a 200 yuan deposit will be enough for opening a checking account.我想知道開一個支票帳戶200元存款是否夠。Could you tell me how to operate this account?請告訴我如何經(jīng)管這個帳戶好嗎？Is there any minimum for the first deposit?第一次儲蓄有最低限

19、額嗎？How much does each account cost?每個帳戶要花多少錢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 聯(lián)名存款帳戶to open an account 開戶頭 銀行英語口語存款How much do you want to deposit with us?你想在我們這存多少？How much do you wish to pay into your

20、 account?你希望在你的戶頭上存多少？How much money do you plan to keep in your account on a regular basis?你計劃在你的戶頭上定期存放多少錢？How much cash do you plan to deposit in your account?你有多少錢要存入呢？I think you may deposit your money with the bank, or leave it here for temporary safe-keeping.我認(rèn)為你可把錢存入銀行，或留在銀行暫保管起來。Would you p

21、lease fill in the depositing form, giving the sum of money you're to deposit as well as your name, address and professional unit?請?zhí)顝埓婵顔?，寫明要存的?shù)額以及你的姓名，地址和工作的單位，好嗎？I want to deposit 300 yuan in my account.我想在我的戶頭上存300元。I want to deposit these cheques in my account.我想把這些支票存在我的戶頭上。I'd like to pa

22、y 200 yuan into my deposit account.我想在在我的定期存款戶頭上存200元。I want to deposit my paycheck.我想存入我的工資支票。I'd like to know whether I can cash a cheque here.我想知道我能否在這兌換支票。Will you please cash this traveler's cheque?請兌現(xiàn)這張旅行支票好嗎？I'd like to cash this money order.我想兌現(xiàn)這張匯款單。I want to cash the balance of

23、 a traveler's letter of credit.我要把旅行信用證的結(jié)余兌現(xiàn)。Will you please tell me whether you charge for cheques?請告訴我兌換支票收手續(xù)費嗎？Could you tell me how much the checks cost?請告訴我這些支票要花多少錢？What if I overdraw?如果透支了怎么辦？Please sign your name on the bottom line if you want to cash the check.如果想兌支票，請在底線上簽名。Please writ

24、e your account number on the back of the check.請在支票背面寫上你的帳號。We honored the check as the overdraft was only 5 yuan.我們承兌這張支票的透支額只有5元。Please endorse the cheque.請背簽這張支票。The traveler's checks cost 1.5% of the total amount of purchase.旅行支票手續(xù)費是購買總額的1.5%。Here's the cheque book. When you send a chequ

25、e by post be careful to cross it, but if you wish to cash a cheque yourself, you must leave it "open".這是一本支票簿，你郵寄支票時，注意要在支票上打叉線。但是如果你本人想開張兌現(xiàn)支票，就不可打叉線。Each cheque you write will cost 2 dollars.你每開一張支票將花2美圓。Useful Words and Phrasesaccount number 帳目編號depositor 存戶pay-in slip 存款單a deposit form

26、存款單a banding machine 自動存取機(jī)to deposit 存款deposit receipt 存款收據(jù)private deposits 私人存款certificate of deposit 存單deposit book, passbook 存折credit card 信用卡principal 本金overdraft, overdraw 透支to counter sign 雙簽to endorse 背書endorser 背書人to cash 兌現(xiàn)to honor a cheque 兌付to dishonor a cheque 拒付to suspend payment 止付cheq

27、ue,check 支票cheque book 支票本order cheque 記名支票bearer cheque 不記名支票crossed cheque 橫線支票blank cheque 空白支票rubber cheque 空頭支票cheque stub, counterfoil 票根cash cheque 現(xiàn)金支票traveler's cheque 旅行支票cheque for transfer 轉(zhuǎn)帳支票outstanding cheque 未付支票canceled cheque 已付支票forged cheque 偽支票Bandar's note 莊票，銀票銀行英語口語取款

28、、結(jié)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來支付天津購物的費用。I want to withdraw 200 dollars from my deposit account.我要從我的定期存款中支取200美圓。I want to close my account with you.我想結(jié)束在你們這兒的帳戶。I'd like to draw 100 yuan against this letter of credit.我想

29、從這份信用證上提款100元。May I draw money against the letter of credit here?我可以在這兒用這份信用證取錢嗎？Could you tell me my balance?能否把存款結(jié)余金額告訴我？Please let me know my balance.請告訴我結(jié)余金額。I think you can draw on this account by cheque in payment of goods.我以為你可用支票提款支付購物費用。Your balance at the bank is 300 yuan.你在本行的結(jié)余是300元。Your

30、 deposit is exhausted.你的存款支凈了。Your letter of credit is used up.你的信用證用完了。Please tell me how you wish to draw your money.請告訴我你希望怎樣支款。Fill our a withdrawal form, please.請?zhí)顚懭】顔?。The letter of credit is exhausted.信用證上的款子已提清。The letter at Counter 6 will pay you against your number slip.六號柜臺的出納員將根據(jù)你的號碼牌付給你錢

31、。Useful Words and Phrasesto close an account, to clear an account 結(jié)清to draw money 取款drawing-out slip 取款單the number slip 號碼牌a withdrawal form 取款單to fill in the receipt in duplicate 一式兩份填這張收據(jù)teller, cashier 出納員銀行英語口語兌換貨幣Please tell me how much you want to change.請告訴我你要換多少。How much of the remittance do

32、 you want to convert into Japanese yen?你要把多少匯款換成日圓？What kind of currency do you want?要哪種貨幣？What's it you wish to change?你有什么要換的？What kind of currency do you want to change?要換哪種貨幣？In what denominations?要什么面值的？Please tell me what note you want.請告訴我要什么鈔票。Will seven tens be all right?7張10元的可以嗎？Is it

33、 in traveler's cheques?換旅行支票嗎？I'd like to know how I shall give it to you.我想知道如何付錢給你。How would you like it?你要什么面額的？Would you kindly sign the exchange form, giving your name and address?請在兌換單上簽字，寫出你的姓名和地址，好嗎？Can you change me some money, please?能否請你給我兌換一些錢？Here it is, some French francs, Swis

34、s francs, American dollars and a few Dutch guilders.這些就是：一些法國法郎，瑞士法郎，美圓和一些荷蘭盾。Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.請你給我7張5鎊紙幣，4張1鎊紙幣，4張10先令紙幣，剩下的要零票。Would you mind giving me the six pence in coppers?勞駕給我6便士的銅幣。I&#

35、39;d like to know if you could change this money back into U.S. dollars for me.我想知道能否把這筆兌回成美圓。Could you change these French francs for me?能給我兌換這些法國法郎嗎？Can you give me 100 dollars in Swiss francs?能否給我100美圓的瑞士法郎？I'd like to convert the full amount of the remittance into U.S. dollars.我想把全部匯款換成美圓。I&

36、#39;d like some coins for this note.我想把這張紙幣換成硬幣。I'd like to break this 50 dollar note.我想把這張50美圓紙幣換開。Five twenties and ten singles, please.請給我5張20元和10張一元的。I need 300 dollars in 100-dollar cheques.我要300美圓票面為100美圓的支票。I hope you'll give me ten traveler's cheques of 100 dollars each.我希望給我10張面

37、額為100美圓的旅行支票。In fives, please.請給我5元票面的。Could you give me some small notes?給我一些小票好嗎？Useful Words and Phrasescurrency, money 貨幣money changing 兌換貨幣an exchange form 兌換單bank note 鈔票note of large denomination 大票note of small denomination 小票small change 零錢subsidiary money 輔幣nickel piece 鎳幣plastic currency

38、notes 塑料鈔票convertible money 可兌換（黃金）紙幣銀行英語口語儲蓄存款利息What's the interest rate for the savings account?儲蓄存款的利率是多少？Do you pay interest on this account?這種存款付給利息嗎？ Please tell me what the annual interest rate is.請告訴我年利率是多少。 Interest is paid at the rate of 1% per annum at present.目前每年的利率是1%。 It allows yo

39、u to earn a little interest on your money.這可使你從存款中獲得一點利息。 The account carries interest of 4%.該存款有4%的利息。 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%.儲蓄存款的利率是4%。 It varies from time to time. At present it is 6%.（年息）每個時期都不同，現(xiàn)在是六厘。Usefu

40、l Words and Phrases interest rate 利率simple interest 單利compound interest 復(fù)利legal interest 法定利息prime rate 優(yōu)待利率payable interest 應(yīng)付利息lending rate 貸款利率usury 高利貸the subsidy rate for value-preserved savings 保值儲蓄補(bǔ)貼率 銀行英語口語外匯率 Tell me the current rate for RMB, please.請告訴我人民幣的現(xiàn)價。 What's your selling rate for RMB yuan in notes today?你們今天人民幣現(xiàn)鈔的售價是多少？ What's the dollar going for t