銀行基本業(yè)務口語_精

1、銀行根本業(yè)務口語新開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? 你想開哪種 ? account? 你想開一個活期存款嗎 ? 定期還是活期 ?like 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

2、 savi ngs. 支票戶頭要收效勞費，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 any time with an initial deposit of 50 do llars.甚至一元也可以起存。你可隨時以 50 美圓的起存額開立儲蓄。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 a current account.I need a checking account so that I can 帳。 I have a checking account here.I think I

4、'd like a deposit account.我想開一個活期存款。pay my bill. 我需開個支票， 這樣就能付我在這里有一個支票存款。我想要開個定期存款。Could you tell me the difference between a savings account and a checking account?a savings account.deposit? 100 元作最低存款額夠嗎？ 我想把這紙幣換成硬幣。 我想把這 50 美圓紙幣換開。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

5、請告訴我開個儲蓄需要什么手續(xù)。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% . 儲蓄存款的利率是 4% 。It varies from time to time. At present i

6、t is 6%. 年息 每個時期都不同， 現(xiàn)在是 六厘。 Could you tell me how to operate this account? 請告訴我如何經管這個好 嗎？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、結余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來支付天津購物的費用。I want to withdraw 200

7、dollars from my deposit account. 取 200 美圓。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. 六號柜臺的出納員將根據你的牌付給你錢。to fill in the receipt in duplicate一式兩份填這收據我要

8、從我的定期存款中支我想結束在你們這兒的。你的存款支凈了。 你的信用證用完了。 請?zhí)顚懭】顔?。teller, cashier 出納員外匯率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.請告訴我人民幣的現(xiàn)價。你們今天人民幣現(xiàn)鈔的售價是美圓今天的售價是多少？ 我們 100 美圓的現(xiàn)鈔買入價今天的賣出價是 200 法國法郎。The buying rate of U.S. dollar notes is 460 yuan per hundred dollars.美圓現(xiàn)鈔買入價是 100 美圓付 460 元。buying rate 買進價格If you'll wait a moment, I'll find out the rates of exchange. 換率。I'd like to know the

10、exchange rate for German marks. The exchange rate today is 200 yen to the pound. 日圓。These dollars are worth 1,000 yuan.It's 470 yuan for 100 dollars. 銀行業(yè)務部門名稱中英對照selling rate 賣出價格請等一會兒，我查一下兌我想知道德國馬克的兌換率。今天的兌換率是一英鎊可兌 200這些美圓可換 1000 元。100 美圓可兌 470 元。Executive Office 經理辦總務部International Dept. 國際Boa

11、rd of Directors 公室Personnel Dept. 人事部 Co-ordination & Planning 業(yè)務部董事會 President 行長General Affairs Dept.Dept. 綜合方案部Overseas Branches Dept. 海外部First Credit Dept. 信貸一部Foreign Exchange Dept. 外匯資金部Second Credit Dept. 信貸二部Accounting Dept.財會部Banking Dept. 營 業(yè) 部 Dept. 總稽核室Computer Center 電腦部 Trust and C

12、onsultation Co.International Clearing Dept國際清算部Credit Card Dept.信 用 卡 部 General AuditingTraining Management Dept. 教育部信托咨詢公司I need some more cash for my visit in China. May I cash a traveler's check here? 我需要些現(xiàn)金，在中國觀光時使用。我能在這兒兌現(xiàn)旅行支票嗎？We'd be happy cash it for you.我很樂意為您兌現(xiàn)。Overdraft 透支Cash Car

13、d 現(xiàn)金卡Debit Card 借記卡Credit card 信用卡deposit receipt 存款收據 存單 deposit book, passbookpay-in slip 存款單a deposit form存款單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 對帳單 strong room, vault 保險庫 banking hours, business hours 營業(yè)時間Clerk:

14、The detailed information is on the board. Please go and see it. 職員：詳細的情況在那塊利率牌上。請去那里看看吧。Clerk: Certainly, sir. How much do you draw? 少錢？Clerk: Sure Miss. Mr Zhang is upstairs. Customer: Do you charge for cheques? 嗎？Clerk: Not necessarily, sir.職員：當然可以，先生。您要取多職員：沒問題，小姐。先生在樓上。顧客：請問，兌換支票你們收手續(xù)費職員：不一定的，先生

15、。Clerk: Yes we do. Each cheque you write will cost RMB 2. 職員：是的，我們收手續(xù)費。您每開一支票就要花人民幣 2 元。Clerk: Not big difference, sir.職員：沒有太大的區(qū)別，先生。Clerk: Definitely. 職員：足夠了。向客戶提建議Customer: Hello, I would like to open an account, but I do not know what account it should be.顧客：你好。我想開立一個，但我不知道要開哪種。Clerk: Do you ofte

16、n deposit money and draw money ?職員：您經常存錢和取錢嗎？I just want to deposit my salary and use this account to pay the things I buy at department stores我只想把工資存入并且用這個來支付在百貨商店所買的東西的帳款Clerk: So, it will be a good idea for you to open a checking account. Do you think so?職員：那么您還是開立一個支票的好。您認為怎么樣？My English is poor

17、 我的英語不太好 Clerk: Not at all 職員：不用。非常遺憾 , 本公司目前實在無力結清該帳。We tegret that we are not able at the moment to make you a settlement.a banding machine 自動存取機 to cash 兌現(xiàn) blank cheque cheque stub, counterfoil 票根 construction bank 建設銀行to endorse 背書 endorser 背書人空白支票 rubber cheque空頭支票industrial and commercialbank

18、工商銀行industrial bank實業(yè)銀行bank of communications 交通銀行 joint venture bank 合資銀行depreciation accounting商業(yè)會計折舊會計 cost accounting本錢會計 business accountinggeneral ledger 總帳 subsidiary ledger cash book 現(xiàn)金出納帳 cash account journal, day-book 日記帳，流水帳分戶帳現(xiàn)金帳bad debt s 壞帳economic boom 經濟繁榮economic recession 經濟衰退natio

19、nal budget 國家預算 public bond 公債 stock, share foreign exchange fluctuation 外匯波動 discount 貼現(xiàn) discount rate, bank rate I want to deposit 300 yuan in my account. 失效支票，過期支票 stale cheque 開發(fā)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 經濟蕭條economic crisis 經濟

20、危機 economic recovery經濟復inflation 通貨膨脹 deflation 通貨收縮 devaluation 貨幣貶值 revaluation 貨幣增值national gross product 國民生產總值 股票 debenture 債券 foreign exchange crisis 外匯危機 貼現(xiàn)率 gold reserve 黃金儲藏 我想在我的戶頭上存 300 元。 未獲兌現(xiàn)支票，退票 returned cheque 填寫支票數(shù)額 to fill up a cheque 支票退票 to dishonour a cheque 已過期 | 無效 out of date

21、 | staleN/S|N.S.F.|not sufficient funds|I/F|insufficient funds文字與數(shù)字不一致words and figures differ支票毀損 cheque mutilated匯款 | 寄錢 to remit|to send money寄款人 a remitter 收款人 a remittee 逾期匯票 overdue bill 電匯 telegraphic transfer (T.T) 定期付款 payment on term年分期付款annualpayment月分期付款monthlypayment|monthlyinstalment預付

22、貨 | 先付payment in advance|prepayment延付貨款deferredpayment立即付款promptpayment|immediatepayment結清 to clear off|to pay off請求付款懇求付帳to ask for payme nt to solicit payme nt|to request payme nt貨到付現(xiàn)款 即時付款cash on arrival prompt cash儲蓄存款利息What's the in terest rate for the savi ngs acco unt?儲蓄存款的利率是多少？Do you pa

23、y in terest on this acco unt?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。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.這可使你從存款中獲得一點利息。The acco unt carries in terest of 4%.該存款有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%.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。Useful Words and Phrasesin terest rate禾U率simple in terest 單利compo und in terest復禾 Ulegal in terest 法定利息prime rate 優(yōu)待利率payable i

25、nterest 應付利息 lending rate 貸款利率 usury 高利貸 the subsidy rate for value-preserved savings保值儲蓄補貼率支票結算T: Hello! May I help you? 您好，您有事需要幫助嗎？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， 是這樣。 我需要些現(xiàn)金，在中國觀光時使用。我能在這兒兌現(xiàn)旅行支票嗎？T: Of course. We'd be

26、 happy cash it for you.當然， 我很樂意為您兌現(xiàn)。C: I was going to cash it at the hotel, but one of my friends said that banks always give better exchange rates.我原本打算在家旅館兌現(xiàn)， 但我朋友說銀行的兌現(xiàn)率通常有點高。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.任何銀行都是按現(xiàn)時買入旅行支票的兌換率來兌現(xiàn)的。 這個兌現(xiàn)率我們已經列在這里了。 當 然，因為手續(xù)費的差異， 我們的兌換率比旅館的稍高些。 您知道， 旅館雖然為客人兌換旅行 支票， 但他們并不是專門從事兌換業(yè)務的。C: You mean there's really not mu

28、ch of a difference? 您是說，實際上銀行與旅館的兌換率差距并不大。T: No, madam, not very much.是的，夫人，沒多大差距。C: Well, may I cash these three checks for $100 each? I think that will be enough. 那么，我能把每 100 美圓的 3 支票兌現(xiàn)嗎？ 我想該夠用了。T: Yes, I'll be happy to cash these for you. Would you please countersign them here?好的，我很樂意為你兌換。請您將

29、支票復簽一下。答復客戶問題Customer: Excuse me , but can I draw on my account for payment of things I buy in China ?顧客：勞駕，請問我能不能提取存款嘗付我在中國買東西的費用？ Clerk: Certainly, sir. How much do you draw? 職員：當然可以，先生。您要取多少錢？Customer: RMB 8,000 please. Would you please tell me my balance? 顧客：請給我人民幣 8， 000 元。請把我上的節(jié)余金額告訴我好嗎？ Clerk

30、: Yes, sir. Your balance is RMB 34,000. 職員：好的，先生。你的余額是人民幣 34000 元。 Customer: I am sorry, but may I ask one more question? 顧客：對不起，我能不能再問一個問題？ Clerk: Of course, please do. What is it? 職員：當然可以了。請問是什么問題？Customer: What is the interest rate for the saving account? 顧客：儲蓄存款的利率是多少？Clerk: The detailed informa

31、tion is on the board. Please go and see it. 職員：詳細的情況在那塊利率牌上。請去那里看看吧。Customer: Many thanks. 顧客：非常感。Dialogue Tow 對話 2 Customer: Excuse me, but could you help me? 顧客：對不起，能幫我一個忙嗎？Clerk: With pleasure. What can I do for you? 職員：很快樂為您效勞。我能為您做些什么？ Customer: Could you tell me where I can find Mr Zhang? 顧客：請

32、告訴我先生在哪里，好嗎？Clerk: Sure Miss. Mr Zhang is upstairs. 職員：沒問題，小姐。先生在樓上。Customer: Thank you very much. 顧客：非常感。Clerk: Not at all, miss. 職員：不客氣，小姐。Dialogue Three對話 3 Customer: Do you charge for cheques? 顧客：請問，兌換支票你們收手續(xù)費嗎？Clerk: Yes we do. Each cheque you write will cost RMB 2. 職員：是的，我們收手續(xù)費。您每開一支票就要花人民幣 2

33、元。open aCustomer: Do I have to deposit a large sum of money if I want to chequing-savings account?顧客：如果我要開一個支票儲蓄，我必須存一大筆錢嗎？Clerk: Not necessarily, sir. 職員：不一定的，先生。Customer: Regarding the interest rate, what is the difference between a savings account and checking account?顧客：在利率方面，儲蓄存款和支票存款有什么不同？Clerk: Not big difference, sir. 職員：沒有太大的區(qū)別，先生。Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit?顧客：我知道了。我想開一個支票存款。 300 美圓作最低存款額夠了嗎？ Clerk: Definitely.職員：足夠了。支票用語 支票薄 cheque book 支票票人 cheque drawer 持票人cheque holder不記名支票cheque to bearer