銀行日常用英語(yǔ)匯總(附例句和翻譯)

1、匯票 我們于本日向貴公司開(kāi)出第123號(hào)面額500000元。匯票一張見(jiàn)票即付。 We have this day drawn the following bill of exchange on your esteemed firm- No.123, $500,000, payable at sight. 遵照貴方指示，我們已于本日向田中公司開(kāi)出見(jiàn)票后60日付款的面額200000元匯票一張，費(fèi)用包括在內(nèi)。 We have to acquaint you that, in accordance with your instructions, we have this day drawn upon M

2、essrs, tanaka & Co., at 60d/s for $200,000, inclusive of charges. 我們已于本月開(kāi)出由貴方所指定的人于三個(gè)月后付款的面額為100000元匯票一張，懇請(qǐng)惠予承兌為荷，特此通知。 We advise you that we have drawn on you this day for $100,000, at 3m/d, to the order fo yourself, which we commend to your kind protection. 我們于本月向貴方開(kāi)出三個(gè)月后付款的面額為500000元的匯票一張。對(duì)此，

3、我們依慣例，記入貴貸方帳內(nèi)，特此通知。 we have the pleasure to inform you that we have drawn this day on you for $500,000, at 3m/s. for which we have credited you as usual. 請(qǐng)求開(kāi)出匯票 因葡萄酒尚未售出, 近期也難有攻觀, 我方目前不能遵照齊滕先生的指示將余額向貴方開(kāi)出匯票或匯給貴方。 As the wines are not yet disposed of, nor likely to be for some time, we cannot obey Mr.

4、 Saitos orders as to drawing on you or remitting you the balance at present. 如有機(jī)會(huì), 請(qǐng)向本人開(kāi)出煤炭?jī)r(jià)款加上保險(xiǎn)費(fèi)的匯票。對(duì)于這批出口貨物, 為彌補(bǔ)發(fā)生損害的損失, 請(qǐng)辦理保險(xiǎn)并在貨值上再加保5%金額 Should you have an opportunity, you may draw on me for the cost of coal, together with that of insurance, which you will be so good as to effect on the outwar

5、d cargo to its full value, with an addition of five per cent, to cover expenses in case of loss. 為收回款項(xiàng), 請(qǐng)依照最有利的匯率, 向我方開(kāi)出見(jiàn)票后60日付款的匯票, 并請(qǐng)同時(shí)提供發(fā)票、提單及保險(xiǎn)單為荷。 For your reimbursement, you will draw on me at sixty days sight, and at the most favourable exchange, furnishing me at the same time, with an invoic

6、e, bill of lading and insurance policy. 對(duì)貴方的發(fā)票金額, 請(qǐng)向漢堡 A公司開(kāi)出見(jiàn)票后三個(gè)月付款的匯票, 附寄該公司提單一份, 并請(qǐng)?jiān)摴巨k理保險(xiǎn)。 For the amount of your invoice, you will be so good as to draw on Messrs. A & Co. of Hamburg, at three months date, and forward them a bill of lading, requesting them to effect insurance.催告付款 為加清本帳目, 我

7、方多次催促, 但未有任何效果。所以為收回本帳款項(xiàng), 準(zhǔn)備向法院起訴, 特此通知。 Having made repeated applications for apyment of this amount without avail, we now give you notice that we shall take out a summons for recovery of the same 下星期一以前未能清結(jié)本件款項(xiàng), 不得已, 將委任我公司顧問(wèn)律師處理。 We wish to state that if the account be not paid by Monday next, we

8、 shall be forced to place the matter in the hands o four solicitors. 貴方雖多次答應(yīng)付款結(jié)帳, 但迄今尚未結(jié)清。如在本月底以前, 尚未拔款結(jié)清,只好委托我公司顧問(wèn)律師處理。 In spite of your repeated promises to let us have a cheque, we are still without a settlement of your outstanding account, and therefore, unless same is settled by the end of this

9、 month, we shall be compelled to hand over the matter to our solicitor. 對(duì)于此事, 貴方似乎在趁機(jī)利用我公司的寬容態(tài)度。本函系最后通告所, 復(fù)函時(shí)請(qǐng)匯足夠金額, 以結(jié)此帳, 否則只好采取其它途徑, 特此函告。 As you seem to take advantage of you leniency in this matter, we now give you the final notice that, unless we shall receive a substantial amount on account by

10、 return of post, we shall adopt other measures for its recovery.請(qǐng)求付款 懇請(qǐng)速予匯款為荷。 an early remittance will be appreciated. 遲付的60美元, 請(qǐng)速予寄下為荷。 Please let us have your check for the $60 now past overdue. 有鑒于此, 相信貴方將隨復(fù)函寄來(lái)支票, 特此致謝。 With these facts before you , we feel sure that you will send us your check

11、by return mail. Thank you. 我們懇求, 對(duì)此部分能速予結(jié)帳為荷。 We urge that you make this settlement without delay. 何不立即對(duì)此案作一結(jié)算? 請(qǐng)?jiān)诮袢諏⒅彪S函發(fā)出即可。 Why not settle this matter now? Just attach your check to this letter, and send it by todays mail.付款方法 mode of payment 現(xiàn)金付款 payment by cash|cash payment|payment by ready cas

12、h 以支票支付 payment by cheque 以匯票支付 payment by bill 以物品支付 payment in kind 付清|支付全部貨款 payment in full|full payment 支付部分貨款|分批付款 payment in part|part payment|partial payment 記帳付款|會(huì)計(jì)帳目?jī)?nèi)付款 payment on account 定期付款 payment on term 年分期付款 annual payment 月分期付款 monthly payment|monthly instalment 延滯付款 payment in arr

13、ear 預(yù)付貨|先付 payment in advance|prepayment 延付貨款 deferred payment 立即付款 prompt payment|immediate payment 暫付款 suspense payment 延期付款 delay in payment|extension of payment 支付票據(jù) payment bill 名譽(yù)支付|干與付款 payment for honour|payment by intervention 結(jié)帳|清算|支付 settlement 分期付款 instalment 滯付|拖欠|尾數(shù)款未付 arrears 特許拖延付款日

14、days of grace 保證付款 del credere 付款 to pay|to make payment|to make effect payment 結(jié)帳 to settle|to make settlement|to make effect settlement|to square|to balance 支出|付款 to defray|to disburse 結(jié)清 to clear off|to pya off 請(qǐng)求付款 to ask for payment|to request payment 懇求付帳 to solicit payment 拖延付款 to defer payme

15、nt|to delay payment 付款被拖延 to be in arrears with payment 還債 to discharge 迅速付款 to pay promptly 付款相當(dāng)迅速 to pay moderately well|to pay fairly well|to keep the engagements regularly 付款相當(dāng)慢 to pay slowly|to take extended credit 付款不好 to pay badly|to be generally in arrear with payments 付款頗為惡劣 to pay very bad

16、ly|to never pay unless forced 拒絕付款 to refuse payment|to refuse to pay|to dishonour a bill 相信能收到款項(xiàng) We shall look to you for the payment|We shall depend upon you for the payment |We expect payment from you 惠請(qǐng)付款 kindly pay the amount|please forward payment|please forward a cheque. 我將不得不采取必要步驟運(yùn)用法律手段收回該項(xiàng)

17、貨款 I shall be obliged to take the necessary steps to legally recover the amount. |I shall be compelled to take steps to enforce payment. 惠請(qǐng)寬限 let the matter stand over till then.|allow me a short extension of time. |Kindly postpone the time for payment a little longer. 索取利息 to charge interest 附上利息 t

18、o draw interest|to bear interest|to allow interest 生息 to yield interest 生息3% to yield 3% 存款 to deposit in a bank|to put in a bank|to place on deposit|to make deposit 在銀行存款 to have money in a bank|to have a bank account|to have money on deposit 向銀行提款 to withdraw ones deposit from a bank 換取現(xiàn)金 to conve

19、rt into money|to turn into cash|to realize 折扣用語(yǔ) 從價(jià)格打10%的折扣 to make a discount of 10% off the price|to make 10% discount off the price 打折扣購(gòu)買 to buy at a discount 打折扣出售 to sell at a discount 打折扣-讓價(jià) to reduce|to make a reduction 減價(jià) to deduct|to make a deduction 回扣 to rebate 現(xiàn)金折扣 cash discount 貨到付款|現(xiàn)金提貨

20、 cash on deliver (C.O.D.) 貨到付現(xiàn)款 cash on arrival 即時(shí)付款 prompt cash 凈價(jià)|最低價(jià)格付現(xiàn) net cash 現(xiàn)金付款 ready cash 即期付款 spot cash|cash down|cash on the nail 憑單據(jù)付現(xiàn)款 cash against documents 憑提單付現(xiàn)款 cash against bills of lading 承兌交單 documents against acceptance (D/A) 付款交單 documents against payment (D/P) 折扣例文 除非另有說(shuō)明, 30

21、日后全額付現(xiàn), 如有錯(cuò)誤, 請(qǐng)立即通知。 Net cash 30 days unless specified otherwise. Advise promptly if incorrect. 付款條件: 30日后全額付現(xiàn), 10日后付現(xiàn)打2%折扣, 過(guò)期后付款時(shí), 加上利率為6%的利息。 Terms, net cash 30 days, or, less 2% 10 days. Interest charged at the rate of 6% after maturity. 付款條件: 月底后10日后付現(xiàn)2%折扣, 現(xiàn)在付現(xiàn)3%折扣, 否則, 全額付現(xiàn)。 Terms: 2%, 10 day

22、s E.O.M., or 3% cash, otherwise strictly net.Negotiation 押匯 C: Excuse me, do you provide any trade service here? 你們有提供貿(mào)易押匯服務(wù)嗎？ T: Yes, we do. Can I help you, sir? 有的，先生。我能為你效勞嗎？ C: Yes, Id like to know how about the services you provide to customers in which credit facilities are not required? 我想知道你

23、們提供給客戶無(wú)須信貸安排的服務(wù)有那些項(xiàng)目？ T: Certainly, sir. The services will include export financing; outward bills collection transferable letters of credit, letters of credit advising and confirmation, inward bills collection, trade information and insurance. 那當(dāng)然可以，先生。服務(wù)范圍包括出口貸款，出口單托收，信用證轉(zhuǎn)讓，信用證通知及確認(rèn)，進(jìn)口單托收，貿(mào)易資料及保險(xiǎn)服

24、務(wù)。 C: How can I benefit from your export services? 那么在出口押匯文件的處理上，我所享有的服務(wù)有怎樣？ T: Our staff works until 6:00pm each weekday night so that your export documents can be promptly processed. This will greatly help your cash flow. In addition, we can dispatch documents to your counterpartys bank for earlie

25、r payment. In turn, will save your transit interest. 我們的職員每日能為您服務(wù)到下午6點(diǎn)，確保各出口押匯文件可及時(shí)辦妥，使你的現(xiàn)金周轉(zhuǎn)更加靈活。同時(shí)，由于我們能助你將單據(jù)盡早遞送到你的業(yè)務(wù)伙伴的銀行及收取有關(guān)款項(xiàng)，所以能使你縮減利息開(kāi)支。 C: By the way, can I fax my instruction to your bank? 那么，我可以將押匯指示以傳真方式通知貴行嗎？ T: Sure, this is what we always encourage our customers to do. Besides, as we

26、 have an advance-computerized system to process the documents efficiently and accurately, you can use our electronic facilities for trade transactions 當(dāng)然可以， 我們一直鼓勵(lì)客戶這樣做。此外，由于我們?cè)O(shè)有先進(jìn)的電腦系統(tǒng)，能有效率及準(zhǔn)確地處理貿(mào)易文件，所以，你也可透過(guò)我們的電子銀行服務(wù)進(jìn)行各項(xiàng)押匯交易。 C: Can your bank provide training or seminars on trade documentation to

27、our company? As we note that it is very difficult to train new staff. 貴行會(huì)向我們提供有關(guān)貿(mào)易單據(jù)處理的培訓(xùn)班和講座嗎？因?yàn)槲覀冊(cè)谟?xùn)練新職員時(shí)常遇到這方面的問(wèn)題。 T: Yes, we do. This service will be subject to your request. 我們會(huì)的。這服務(wù)將根據(jù)你們的需要和要求而定。 C: Okay. Ill think about it seriously and will probably contact you again later. Thanks a lot! 好的，我

28、將詳細(xì)考慮這項(xiàng)服務(wù)，我會(huì)再聯(lián)絡(luò)你，謝謝！ T: Not at all! 不用客氣！Customer: Excuse me , but can I draw on my account for payment of things I buy in China ? 顧客：勞駕，請(qǐng)問(wèn)我能不能提取存款嘗付我在中國(guó)買東西的費(fèi)用？ Clerk: Certainly, sir. How much do you draw? 職員：當(dāng)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(qǐng)給我人民幣8

29、，000元。請(qǐng)把我?guī)ぬ?hào)上的節(jié)余金額告訴我好嗎？ Clerk: Yes, sir. Your balance is RMB 34,000. 職員：好的，先生。你的帳戶余額是人民幣34000元。 Customer: I am sorry, but may I ask one more question? 顧客：對(duì)不起，我能不能再問(wèn)一個(gè)問(wèn)題？ Clerk: Of course, please do. What is it? 職員：當(dāng)然可以了。請(qǐng)問(wèn)是什么問(wèn)題？ Customer: What is the interest rate for the saving account? 顧客：儲(chǔ)蓄存款的利率是

30、多少？ Clerk: The detailed information is on the board. Please go and see it. 職員：詳細(xì)的情況在那塊利率牌上。請(qǐng)去那里看看吧。 Customer: Many thanks. 顧客：非常感謝。 Dialogue Tow 對(duì)話（2） Customer: Excuse me, but could you help me? 顧客：對(duì)不起，能幫我一個(gè)忙嗎？ Clerk: With pleasure. What can I do for you? 職員：很高興為您效勞。我能為您做些什么？ Customer: Could you tel

31、l me where I can find Mr Zhang? 顧客：請(qǐng)告訴我張先生在哪里，好嗎？ Clerk: Sure Miss. Mr Zhang is upstairs. 職員：沒(méi)問(wèn)題，小姐。張先生在樓上。 Customer: Thank you very much. 顧客：非常感謝。 Clerk: Not at all, miss. 職員：不客氣，小姐。 Dialogue Three 對(duì)話（3） Customer: Do you charge for cheques? 顧客：請(qǐng)問(wèn)，兌換支票你們收手續(xù)費(fèi)嗎？ Clerk: Yes we do. Each cheque you write

32、 will cost RMB 2. 職員：是的，我們收手續(xù)費(fèi)。您每開(kāi)一張支票就要花人民幣2元。 Customer: Do I have to deposit a large sum of money if I want to open a chequing-savings account? 顧客：如果我要開(kāi)一個(gè)支票儲(chǔ)蓄帳戶，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 accou

33、nt and checking account? 顧客：在利率方面，儲(chǔ)蓄存款和支票存款有什么不同？ Clerk: Not big difference, sir. 職員：沒(méi)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(kāi)一個(gè)支票存款帳戶。300美圓作最低存款額夠了嗎？ Clerk: Definitely. 職員：足夠了。Customer: Hello, I would like to

34、open an account, but I do not know what account it should be. 顧客：你好。我想開(kāi)立一個(gè)帳戶，但我不知道要開(kāi)哪種帳戶。 Clerk: Do you often deposit money and draw money ? 職員：您經(jīng)常存錢和取錢嗎？ Customer: No, I do not. I just want to deposit my salary and use this account to pay the things I buy at department stores once a month. 顧客：不，我不經(jīng)

35、常存錢和取錢。我只想把工資存入并且用這個(gè)帳戶來(lái)支付每月一次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(kāi)立一個(gè)支票帳戶的好。您認(rèn)為怎么樣？ Customer: All right ,if that account will make. 顧客：行，如果這個(gè)帳戶合適的話。 Dialogue Two 對(duì)話（2） Customer: Good morning, sir. I am from Japan. My English i

36、s poor. Can you help me? 顧客：你好，先生。我是日本人。我的英語(yǔ)不太好，你能幫忙嗎？ Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do. 職員：很高興為您效勞，但我想您最好告訴我您想要干什么。 Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo. 顧客：啊，我想兌換些錢，但不知道怎樣填寫兌換水單

37、。我不會(huì)看英文。 Clerk: Would you care to give me your passport and write your name on the paper? 職員：您能把您的護(hù)照給我，并把您的名字寫在這張紙上嗎？ Customer: There you are. My name is Tanaka. 顧客：給你護(hù)照和姓名，我叫田中。 Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment? 職員：好，我現(xiàn)在就

38、為您填寫這張兌換水單。您請(qǐng)?jiān)谀抢镒粫?huì)行嗎？ Customer: I would like to. Thanks. 顧客：好的，謝謝。 Clerk: Hello, Mr. Tanaka. I was wondering if you would ever thought of conversing the unused Renminbi back into Japan yen later? 職員：您好，田中先生，不知道您是否考慮到以后要把沒(méi)有用完的人民幣兌換成日元呢？ Customer: Yes, if I will have Renminbi left. 顧客：是的，如果有沒(méi)用完的人民幣的話

39、，就要換成日?qǐng)A。 Clerk: So, If I may make a suggestion , please keep your exchange memo safe, 職員：那么，如果我還可以提一個(gè)建議的話，請(qǐng)您保管好您的這張兌換水單。 Customer: Thank you indeed. I will do that. 顧客：我會(huì)保管好的。謝謝。 Clerk: Not at all. 職員：不用謝。L/C(信用證) C= Customer顧客 T=Teller職員 T: Can I help you, sir? 能幫你什么忙嗎，先生？ C: Yes, I want to open an

40、 L/C, but I dont know how to work? 對(duì)， 我想開(kāi)個(gè)信用正， 但我不明白如何運(yùn)作？ T: Ok, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer (always the importer). It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As s

41、oon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter (beneficiary). The bank acts as the first payer and this is the most important feature of L/C. 好， 讓我來(lái)告訴你。 信用正是應(yīng)客戶（通常是進(jìn)口商）的要求而開(kāi)立的一種付款承諾文件，信用證將被寄給出口商，使出口商可以把貨物裝船， 并根據(jù)信用正的要求準(zhǔn)備單據(jù)。一旦信用證和單據(jù)提交給開(kāi)證行，開(kāi)證行必須立即付款給出口

42、商（受益人）。銀行就作為第一支付人進(jìn)行支付，這就是信用證最重要的特征。 C: I see, would you tell me whats the main content of an L/C? 我明白了， 你能告訴我信用證的主要內(nèi)容嗎？ T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C. 商品的品名

43、，數(shù)量，單價(jià)和種類， 裝貨港和目的地，價(jià)格和付款條件，裝船單據(jù)，最后裝運(yùn)期和到目的地的有效期。 C: Then how can I send an L/C to my customer? 那么， 我怎么才可以向我的客戶開(kāi)出信用證呢？ T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent

44、 (advising bank) will send the L/C to the exporter. 習(xí)慣上，開(kāi)證行總是向出口商所在地的代理行發(fā)出郵件或電報(bào)，在檢驗(yàn)信用證的真實(shí)性后，代理行（通知行）將向出口方發(fā)出信用證。 C: How can my customer receive the proceeds? 我的客戶怎樣才能收到錢？ T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiat

45、ion. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importers account when releasing the shipping documents to the importer. The whole tran

46、saction now comes to the end. 信用證是可以議付的，出口商向議付行提交信用證所要的所有單據(jù)， 只要所提交的單據(jù)和信用證要求的條件是一致的話，銀行將議付。當(dāng)開(kāi)證行將裝船單據(jù)交給進(jìn)口商時(shí)，開(kāi)證行就借記進(jìn)口方的帳戶，整個(gè)交易就完成了。C: I see, Thank you very much 我明白了，謝謝你！ T: youre welcome!Whats the interest rate for the savings account? 儲(chǔ)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

47、 tell me what the annual interest rate is. 請(qǐng)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 you to earn a little interest on your money. 這可使你從存款中獲得一點(diǎn)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(chǔ)蓄存款的利率是4%。 It varies from time to time. A