银行常用英语
银行英语口语-储蓄存款利息
What's the interest rate for the savings account?
储蓄存款的利率是多少?http://www.wtojob.com/
Do you pay interest on this account?
这种存款付给利息吗?
Please tell me what the annual interest rate is.
请告诉我年利率是多少。
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.
这可使你从存款中获得一点利息。 http://www.wtojob.com/
The account carries interest of 4%.
该存款有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%.
储蓄存款的利率是4%。 http://www.wtojob.com/
It varies from time to time. At present it is 6%.
(年息)每个时期都不同，现在是六厘。
Useful Words and Phrases
interest rate 利率
simple interest 单利
compound interest 复利
legal interest 法定利息
prime rate 优待利率
payable interest 应付利息
lending rate 贷款利率
usury 高利贷
the subsidy rate for value-preserved savings 保值储蓄补贴率
银行英语口语-支票结算
T: Hello! May I help you?
您好，您有事需要帮忙吗?
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， 是这样。 我需要些现金，在中国观光时使用。我能在这儿兑现旅行支票吗?
T: Of course. We'd be happy cash it for you.
当然， 我很乐意为您兑现。
C: I was going to cash it at the hotel, but one of my friends said that banks always give better exchange rates.
我原本打算在家旅馆兑现， 但我朋友说银行的兑现率通常有点高。
T: Well, any bank will cash it at our present traveler's check-buying rate, which we somewhat better than at hotels because 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.
任何银行都是按现时买入旅行支票的兑换率来兑现的。这个兑现率我们已经列在这里了。当然，因为手续费的差异，我们的兑换率比旅馆的稍高些。您知道，旅馆虽然为客人兑换旅行支票，但他们并不是专门从事兑换业务的。
C: You mean there's really not much of a difference?
您是说，实际上银行与旅馆的兑换率差距并不大。
T: No, madam, not very much.
是的，夫人，没多大差距。
C: Well, may I cash these three checks for $100 each? I think that will be enough.
那么，我能把每张100美圆的3张支票兑现吗? 我想该够用了。
T: Yes, I'll be happy to cash these for you. Would you please countersign them here?
好的，我很乐意为你兑换。请您将支票复签一下。
C: There you are.
T: And will you please sign this foreign exchange request? I've already written down your name and address for you, but I will read your passport number.
对您所管理的分支机构负责人应要求他对预算目标出现的任何偏离。都必须做出正式合理的解释，因为这是衡量其工作能力的最佳尺度。
银行英语口语-外汇率
Tell me the current rate for RMB, please.
请告诉我人民币的现价。
What's your selling rate for RMB yuan in notes today?
你们今天人民币现钞的售价是多少?
What's the dollar going for today?
美圆今天的售价是多少?
Our buying rate for notes is 523 yuan for 100 dollars.
我们100美圆的现钞买入价是523元。
It's 200 French francs at today's selling rate.
今天的卖出价是200法国法郎。
The buying rate of U.S. dollar notes is 460 yuan per hundred dollars.
美圆现钞买入价是100美圆付460元。
Useful Phrases
buying rate 买进价格
selling rate 卖出价格
And how much will it be in Japanese currency?
换成日本币是多少?
How much would I get for 300 Japanese yen?
300日圆可兑换多少钱?
I'd like to know the exchange rate for German marks.
我想知道德国马克的兑换率。
What rate are you giving?
你们提供的兑换率是多少?
What's the exchange rate today?
今天的兑换率是多少?
Please tell me what you would give me for my U.S. dollars.
请告诉我这些美圆可以兑换多少钱。
Please tell me the current rate for sterling.
请告诉我英国货币的现行兑换率。
If you'll wait a moment, I'll find out the rates of exchange.
请等一会儿，我查一下兑换率。
Please wait a moment. I'll find out the exchange rate between U.S. dollars and RMB.
请等一会儿，我查一下美圆对人民币的兑换率。
It's 470 yuan for 100 dollars.
100美圆可兑470元。
The exchange rate today is 200 yen to the pound.
今天的兑换率是一英镑可兑200日圆。
The rate for traveler's cheques is 300 yuan against 100 dollars.
旅行支票的兑换率是100美圆兑300元。
These dollars are worth 1,000 yuan.
这些美圆可换1000元。
Useful Phrases
exchange table, conversion table 汇兑换算表
foreign exchange 外汇
exchange rate 外汇率
conversion rate 折合率
foreign exchange restriction 外汇限额
foreign exchange quotations 外汇行情
to check the rate for sb. 查牌价
depositor 存户
pay-in slip 存款单
a deposit form 存款单
a banding machine 自动存取机
to deposit 存款
deposit receipt 存款收据
private deposits 私人存款
certificate of deposit 存单
deposit book, passbook 存折
credit card 信用卡
principal 本金
overdraft, overdraw 透支
to counter sign 双签
to endorse 背书
endorser 背书人
to cash 兑现
to honor a cheque 兑付
to dishonor a cheque 拒付
to suspend payment 止付
cheque,check 支票
cheque book 支票本
order cheque 记名支票
bearer cheque 不记名支票
crossed cheque 横线支票
blank cheque 空白支票
rubber cheque 空头支票
cheque stub, counterfoil 票根
cash cheque 现金支票
traveler's cheque 旅行支票
cheque for transfer 转帐支票
outstanding cheque 未付支票
canceled cheque 已付支票
forged cheque 伪支票
Bandar's note 庄票，银票
banker 银行家
president 行长
savings bank 储蓄银行
Chase Bank 大通银行
National City Bank of New York 花旗银行
Hongkong Shanghai Banking Corporation 汇丰银行
Chartered Bank of India, Australia and China 麦加利银行
Banque de I'IndoChine 东方汇理银行
central bank, national bank, banker's bank 中央银行
bank of issue, bank of circulation 发行币银行
commercial bank 商业银行，储蓄信贷银行
member bank, credit bank 储蓄信贷银行
discount bank 贴现银行
exchange bank 汇兑银行
requesting bank 委托开证银行
issuing bank, opening bank 开证银行
advising bank, notifying bank 通知银行
negotiation bank 议付银行
confirming bank 保兑银行
paying bank 付款银行
associate banker of collection 代收银行
consigned banker of collection 委托银行
clearing bank 清算银行
local bank 本地银行
domestic bank 国内银行
overseas bank 国外银行
unincorporated bank 钱庄
branch bank 银行分行
trustee savings bank 信托储蓄银行
trust company 信托公司
financial trust 金融信托公司
unit trust 信托投资公司
trust institution 银行的信托部
credit department 银行的信用部
commercial credit company(discount company) 商业信贷公司(贴现公司)
neighborhood savings bank, bank of deposit 街道储蓄所
credit union 合作银行
credit bureau 商业兴信所
self-service bank 无人银行
land bank 土地银行
construction bank 建设银行
industrial and commercial bank 工商银行
bank of communications 交通银行
mutual savings bank 互助储蓄银行
post office savings bank 邮局储蓄银行
mortgage bank, building society 抵押银行
industrial bank 实业银行
home loan bank 家宅贷款银行
reserve bank 准备银行
chartered bank 特许银行
corresponding bank 往来银行
merchant bank, accepting bank 承兑银行
investment bank 投资银行
import and export bank (EXIMBANK) 进出口银行
joint venture bank 合资银行
money shop, native bank 钱庄
credit cooperatives 信用社
clearing house 票据交换所
public accounting 公共会计
business accounting 商业会计
cost accounting 成本会计
depreciation accounting 折旧会计
computerized accounting 电脑化会计
general ledger 总帐
subsidiary ledger 分户帐
cash book 现金出纳帐
cash account 现金帐
journal, day-book 日记帐，流水帐
bad debts 坏帐
investment 投资
surplus 结余
idle capital 游资
economic cycle 经济周期
economic boom 经济繁荣
economic recession 经济衰退
economic depression 经济萧条
economic crisis 经济危机
economic recovery 经济复苏
inflation 通货膨胀
deflation 通货收缩
devaluation 货币贬值
revaluation 货币增值
international balance of payment 国际收支
favourable balance 顺差
adverse balance 逆差
hard currency 硬通货
soft currency 软通货
international monetary system 国际货币制度
the purchasing power of money 货币购买力
money in circulation 货币流通量
note issue 纸币发行量
national budget 国家预算
national gross product 国民生产总值
public bond 公债
stock, share 股票
debenture 债券
treasury bill 国库券
debt chain 债务链
direct exchange 直接(对角)套汇
indirect exchange 间接(三角)套汇
cross rate, arbitrage rate 套汇汇率
foreign currency (exchange) reserve 外汇储备
foreign exchange fluctuation 外汇波动
foreign exchange crisis 外汇危机
discount 贴现
discount rate, bank rate 贴现率
gold reserve 黄金储备
money (financial) market 金融市场
stock exchange 股票交易所
broker 经纪人
commission 佣金
bookkeeping 簿记
bookkeeper 簿记员
an application form 申请单
bank statement 对帐单
letter of credit 信用证
strong room, vault 保险库
equitable tax system 等价税则
specimen signature 签字式样
banking hours, business hours 营业时间