Chapter 3 銀行外匯業(yè)務(wù)

Chapter3銀行外匯業(yè)務(wù)ColumnAColumnBforwardcontractspottransactioncalloptionswapagreementdirectquotationforwardpremiumforwarddiscountputoptionlongpositionfuturescontractgolongfuturesaccountmargincalloptioncontractfuturesexchangegoshort期權(quán)合約直接標(biāo)價(jià) 期貨交易所即期交易；現(xiàn)貨交易 看漲期權(quán) 追加保證金的通知掉期協(xié)議，互換協(xié)議遠(yuǎn)期合約買空，買進(jìn)遠(yuǎn)期貼水期貨賬戶遠(yuǎn)期升水看跌期權(quán)多頭期貨合約賣出，賣空Back

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Words&Expressions外國貨幣foreigncurrency本國貨幣domesticcurrency營(yíng)業(yè)執(zhí)照BusinessLicense企業(yè)標(biāo)準(zhǔn)代碼證EnterpriseStandardCodeCertificate手續(xù)procedure同業(yè)銀行interbank抵押品security供求supplyanddemand資產(chǎn)負(fù)債表balancesheet損益表profitandlossstatement貸款償還能力loanrepayability記賬bookkeeping個(gè)人理財(cái)顧問personalbanker現(xiàn)鈔banknotes背書endorse合資企業(yè)jointventure自助self-service紀(jì)念品souvenir兌換單exchangeform兌換水單exchangememo收據(jù)receipt托收憑證collectionreceipt確認(rèn)、核實(shí)verification取消，刪除cancellation起伏、波動(dòng)fluctuation確認(rèn)、證實(shí)confirmation管理、規(guī)則regulation扣除deduction管理、行政administration目的地destination交易transaction限制、限額restriction開戶行depositorybank匯出行remittingbank匯入行payingbank匯款人remitter匯出匯款outgoingremittance匯票remittancedraft匯票憑單remittanceslip支票賬戶checkaccount結(jié)算賬戶settlementaccount外匯資本賬戶foreigncapitalaccount外匯儲(chǔ)蓄賬戶foreignsavingaccount固定利率貸款fixedrateloan浮動(dòng)匯率貸款floatingrateloan擔(dān)保貸款securedloan貸款申請(qǐng)loanapplication支票出票人chequedrawer持票人chequeholder記名支票ordercheque支付通知單paymentorder匯款通知remittanceadvice國際匯款單internationalmoneyorder賣出匯率sellingrate官方匯率officialrate即期匯率spotrate期貨匯率forwardrate票據(jù)貼現(xiàn)率acceptancerate短期匯率shortrate名義匯率nominalrate匯率風(fēng)險(xiǎn)exchangerateriskSentences您首先要填寫對(duì)應(yīng)的取款單，注明您想要取的金額、日期、賬戶號(hào)，最后在這里簽名。Youshouldfillouttherelevantwithdrawalformatfirst,statingtheamountyouwanttodraw,thedate,youraccountnumberandthensignhere.請(qǐng)?zhí)顚戇@張表，注明您要兌換的金額、您的大寫全名、護(hù)照號(hào)碼、國籍和這兒所住的酒店地址，并簽名。Wouldyoupleasefillinthisformstatingtheamountyouwishtochange,yourfullnameincapitalletters,yourpassportnumber,yournationality,yourhoteladdresshereandsignyourname.您需要什么面值的錢？Howdoyouwantyourmoney?百元大鈔。One-hundrednotes,please.我們銀行經(jīng)過授權(quán)可以辦理外幣兌換。Ourbankisauthorizedtodealwithforeignexchange.現(xiàn)在的兌換率是100美元旅行支票可以兌換679.56人民幣。Theexchangeratefortraveler’schequeis679.56RMBagainst100dollars.您還要支付票面額的0.67%作為貼現(xiàn)利息。Youshouldpay0.67%onthetotalamountasdiscountinterest.您要支付票面金額的0.2%作為托收費(fèi)。Youmustbecharged0.2%collectionfeeonfacevalue.我們已受理背書支票的托收，一旦支票被支付，我們會(huì)馬上通知您。Wewillaccepttheendorsedchequeforcollectionandnotifyyouassoonasit’spaid.Q&AQ:Whatmaterialsareneededifacompanywantstoopenaforeigncurrencyaccount?A:1,anapplicationform2,asealcardwhichhasbeenstampedwiththeunit’ssealandthecorporationseal3,theBusinessLicense4,theEnterpriseStandardCodeCertificate5,theCertificateofUseofForeignExchangeAccount6,theForeignExchangeAccountOpeningNoticeQ:Wouldyoupleaseexplaintheinterestrateandtermrespectively?A:Weofferfixedandfloatingrateloans,loanwithsecurityorwithout,short-termandlongtermloans.Q:Howtodosomeforeignexchangetransactioninthebank?A:Youshouldopenanaccountforinterbankdepositandwithdrawalofforeigncurrency,andthendepositsomeforeigncurrenciesintoit.Thecommissionisabout0.21%onthetotalamountofyourdeal.Q：What’sthedifferencebetweendirectquotationandindirectionquotation?Directquotationmeansthattheratesarequotedintermsofavariablenumberoflocalcurrenciesagainstafixedunitofothercurrencies.Inthedirectpricelaw,theamountofthenationalcurrencyremainedunchanged,whiletheamountofforeigncurrencieschangeincontrasttothechangesoftheirvalues.直接標(biāo)價(jià)法是說匯率是用可變數(shù)量的本國貨幣對(duì)應(yīng)一定數(shù)量的外國貨幣的形式標(biāo)價(jià)。在間接標(biāo)價(jià)法中，本國貨幣的數(shù)額保持不變，而外國貨幣的數(shù)額隨著本國貨幣幣值的對(duì)比變化而變動(dòng)。BDTask4Role-PlayingBack

Role-playaconversationinpairsaccordingtothesituationandtasksgivenbelow.

SituationMr.WanggoestotheDealingDepartmentofGuangzhouBranch,BankofChina.Hewantstoexchangefor5,000eurosbecauseheisgoingtosomeEuropeancountriesonbusinessmissions.TheexchangerateofEuroagainstRMByuanisdeclining.Mr.Zhangmeetshimandattendstotheserviceforhim.Continue

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Exchangegreetings;Tellwhatserviceisneeded;Presentthevaliddocumentsneededforthetransaction:-ID;-Passport;-Visa;AskthecurrentspotrateofeuroagainstRMB;TellthebankclerktoexchangeRMByuanincashfor5,000euros;Checktheexchangedforeigncurrency;Takebackalldocuments;Givethankstothebankclerkforhisservice.Mr.WangContinue

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Tasksofeachrole:Sayhellotohiscustomer;Attendtothebusiness:-TellthecustomertoshowhisIDorpassport;-Askwhatcurrencyandhowmuchtobeexchangedfor;-Fillintheexchangememo;-Tellthecurrentnotesellingrate:100:775；-MakecalculationandtellhowmuchRMByuanisneeded;-Askthecustomertochecktheamountofforeignmoney;-Askthecustomertokeeptheexchangememoforlateruse;-Returnallthedocumentstothecustomer;Saygoodbye.Mr.ZhangContinue

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SituationAnAmericancustomercomestothebanktoexchangemoney.Hecan’tspeakChinese,whilethebankclerkcan’tspeakEnglish.Youarerequiredtoactasatranslatorforthem.Continue

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Customer:Hello.Doyouexchangemoneyhere?職員：是的。您有哪種外幣？要兌換多少？Customer:IwanttoexchangeUS$500.職員：首先，請(qǐng)?zhí)顚戇@張兌換單，一式兩份。然后，請(qǐng)出示您的護(hù)照。(afterawhile)（過了一會(huì)兒）Customer:Hereisthememofilledoutandthemoney.職員：好的。請(qǐng)稍等。一會(huì)兒就好。您想要什么面額的？Customer:Anykindwilldo.職員：好的，這是您的錢，總共是3850元。請(qǐng)數(shù)一下，還有您的護(hù)照和收據(jù)。Customer:Everythinglooksright.Thanksforyourhelp.Goodbye!職員：再見Customer:Hello.Doyouexchangemoneyhere?顧客：您好。你們這里兌換外幣嗎？Clerk:Yes.Whatkindofforeigncurrencydoyouhave?Andhowmuchdoyouwanttoexchange?職員：是的。您有哪種外幣？要兌換多少？Customer:IwanttoexchangeUS$500.顧客：我想換500美元。Clerk:Firstofall,pleasefilloutthisexchangememoinduplicate.Thenshowmeyourpassport.職員：首先，請(qǐng)?zhí)顚戇@張兌換單，一式兩份。然后，請(qǐng)出示您的護(hù)照。(afterawhile)（過了一會(huì)兒）Customer:Hereisthememofilledoutandthemoney.顧客：這是填好的兌換單和錢。Clerk:A1lright.Pleasewait.Thiswillonlytakeamoment.Whatdenominationswouldyoulikeyourmoneytocomein?職員：好的。請(qǐng)稍等。一會(huì)兒就好。您想要什么面額的？Customer:Anykindwilldo.顧客：哪種面額的都行。Clerk:OK.Hereisyourmoney.That's3,850yuanintotal.Pleasechecktheamount,andyourpassportandreceipt.職員：好的，這是您的錢，總共是3850元。請(qǐng)數(shù)一下，還有您的護(hù)照和收據(jù)。Customer:Everythinglooksright.Thanksforyourhelp.Goodbye!顧客：沒錯(cuò)。謝謝你的幫助。再見！Clerk:Goodbye!職員：再見Task4Role-PlayingBack

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Role-playaconversationinpairsaccordingtothesituationandtasksgivenbelow.Situation:Johnson,managerofanimportcompany,meetsProfessorWilliamattheairport.TheytalkaboutthefinancialsituationofChinaandthechangesintheexchangerateofRMByuanagainsttheUSdollar.JohnsonhasdifferentopinionsonthetendencyoftheexchangerateofRMByuanagainsttheUSdollar.

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Johnson’sopinions:

Theyuanshouldcontinuetoweakenagainstabackdropofglobaleconomicuncertainty;Lettingtheyuandepreciateisagoodoptionsinceinflationisnolongerathreat;China’sexportsarecloselyrelatedtoglobaleconomicgrowthandarenotwhollydecidedbytheforeignexchangerateoftheyuan;Minorchangesinthevalueoftheyuanwillnot