銀行日常用英語匯總(附例句和翻譯)

1、匯票 我們于本日向貴公司開出第123號面額500000元。匯票一張見票即付。 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出見票后60日付款的面額200000元匯票一張，費用包括在內(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. 我們已于本月開出由貴方所指定的人于三個月后付款的面額為100000元匯票一張，懇請惠予承兌為荷，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出三個月后付款的面額為500000元的匯票一張。對此，

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. 請求開出匯票 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. 如有機會, 請向本人開出煤炭價款加上保險費的匯票。對于這批出口貨物, 為彌補發(fā)生損害的損失, 請辦理保險并在貨值上再加保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, 請依照最有利的匯率, 向我方開出見票后60日付款的匯票, 并請同時提供發(fā)票、提單及保險單為荷。 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. 對貴方的發(fā)票金額, 請向漢堡 A公司開出見票后三個月付款的匯票, 附寄該公司提單一份, 并請該公司辦理保險。 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, 準備向法院起訴, 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, 不得已, 將委任我公司顧問律師處理。 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. 對于此事, 貴方似乎在趁機利用我公司的寬容態(tài)度。本函系最后通告所, 復(fù)函時請匯足夠金額, 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.請求付款 懇請速予匯款為荷。 an early remittance will be appreciated. 遲付的60美元, 請速予寄下為荷。 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. 何不立即對此案作一結(jié)算? 請在今日將支票隨函發(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|會計帳目內(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 付款相當迅速 to pay moderately well|to pay fairly well|to keep the engagements regularly 付款相當慢 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 We shall look to you for the payment|We shall depend upon you for the payment |We expect payment from you 惠請付款 kindly pay the amount|please forward payment|please forward a cheque. 我將不得不采取必要步驟運用法律手段收回該項

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 從價格打10%的折扣 to make a discount of 10% off the price|to make 10% discount off the price 打折扣購買 to buy at a discount 打折扣出售 to sell at a discount 打折扣-讓價 to reduce|to make a reduction 減價 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 即時付款 prompt cash 凈價|最低價格付現(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 除非另有說明, 30

21、日后全額付現(xiàn), 如有錯誤, 請立即通知。 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, 過期后付款時, 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、們提供給客戶無須信貸安排的服務(wù)有那些項目？ 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，進口單托收，貿(mào)易資料及保險服

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，確保各出口押匯文件可及時辦妥，使你的現(xiàn)金周轉(zhuǎn)更加靈活。同時，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，所以能使你縮減利息開支。 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 當然可以， 我們一直鼓勵客戶這樣做。此外，由于我們設(shè)有先進的電腦系統(tǒng)，能有效率及準確地處理貿(mào)易文件，所以，你也可透過我們的電子銀行服務(wù)進行各項押匯交易。 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. 貴行會向我們提供有關(guān)貿(mào)易單據(jù)處理的培訓班和講座嗎？因為我們在訓練新職員時常遇到這方面的問題。 T: Yes, we do. This service will be subject to your request. 我們會的。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、將詳細考慮這項服務(wù)，我會再聯(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

29、，000元。請把我?guī)ぬ柹系墓?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

30、多少？ Clerk: 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。 Customer: Many thanks. 顧客：非常感謝。 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：請告訴我張先生在哪里，好嗎？ Clerk: Sure Miss. Mr Zhang is upstairs. 職員：沒問題，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

32、 will cost RMB 2. 職員：是的，我們收手續(xù)費。您每開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：如果我要開一個支票儲蓄帳戶，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。我想開立一個帳戶，但我不知道要開哪種帳戶。 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帳戶來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：那么您還是開立一個支票帳戶的好。您認為怎么樣？ Customer: All right ,if that account will make. 顧客：行，如果這個帳戶合適的話。 Dialogue Two 對話（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。您請在那里坐一會行嗎？ 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，如果有沒用完的人民幣的話

39、，就要換成日圓。 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建議的話，請您保管好您的這張兌換水單。 Customer: Thank you indeed. I will do that. 顧客：我會保管好的。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， 我想開個信用正， 但我不明白如何運作？ 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， 讓我來告訴你。 信用正是應(yīng)客戶（通常是進口商）的要求而開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)信用正的要求準備單據(jù)。一旦信用證和單據(jù)提交給開證行，開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，單價和種類， 裝貨港和目的地，價格和付款條件，裝船單據(jù)，最后裝運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. 習慣上，開證行總是向出口商所在地的代理行發(fā)出郵件或電報，在檢驗信用證的真實性后，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。當開證行將裝船單據(jù)交給進口商時，開證行就借記進口方的帳戶，整個交易就完成了。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. A