有關銀行英語的詞匯

1、有關銀行英語的詞匯credit cooperatives 信用社construction bank 建設銀行industrial and commercial bank 工商銀行bank of communications 交通銀行National City Bank of New York 花旗銀行Hongkong Shanghai Banking Corporation 匯豐銀行central bank, national bank, banker's bank 中央銀行credit union 合作銀行mutual savings bank 互助儲蓄銀行post office s

2、avings bank 郵局儲蓄銀行mortgage bank, building society 抵押銀行industrial bank 實業(yè)銀行home loan bank 家宅貸款銀行reserve bank 準備銀行chartered bank 特許銀行corresponding bank 往來銀行merchant bank, accepting bank 承兌銀行 investment bank 投資銀行import and export bank (EXIMBANK) 進出口銀行joint venture bank 合資銀行銀行英語口語詞匯補充1 / 35Banker 銀行家 pr

3、esident 行長 savings bank 儲蓄銀行 Chase Bank 大通銀行 National City Bank of New York 花旗銀行 Hongkong Shanghai Banking Corporation 匯豐銀行 Chartered Bank of India, Australia and China 麥加利銀行 Banque de I'IndoChine 東方匯理銀行 central bank, national bank, banker's bank 中央銀行 bank of issue, bank of circulation 發(fā)行幣銀行

4、 commercial bank 商業(yè)銀行，儲蓄信貸銀行 member bank, credit bank 儲蓄信貸銀行 discount bank 貼現(xiàn)銀行 exchange bank 匯兌銀行 requesting bank 委托開證銀行 issuing bank, opening bank 開證銀行 advising bank, notifying bank 通知銀行 negotiation bank 議付銀行 confirming bank 保兌銀行 paying bank 付款銀行 associate banker of collection 代收銀行 consigned banke

5、r of collection 委托銀行 clearing bank 清算銀行 local bank 本地銀行 domestic bank 國內(nèi)銀行 overseas bank 國外銀行 unincorporated bank 錢莊 branch bank 銀行分行 trustee savings bank 信托儲蓄銀行 trust company 信托公司 financial trust 金融信托公司 unit trust 信托投資公司 trust institution 銀行的信托部 credit department 銀行的信用部 commercial credit company(di

6、scount company) 商業(yè)信貸公司（貼現(xiàn)公司） neighborhood savings bank, bank of deposit 街道儲蓄所 credit union 合作銀行 credit bureau 商業(yè)興信所 self-service bank 無人銀行 land bank 土地銀行 construction bank 建設銀行 industrial and commercial bank 工商銀行 bank of communications 交通銀行 mutual savings bank 互助儲蓄銀行 post office savings bank 郵局儲蓄銀行

7、mortgage bank, building society 抵押銀行 industrial bank 實業(yè)銀行 home loan bank 家宅貸款銀行 reserve bank 準備銀行 chartered bank 特許銀行 corresponding bank 往來銀行 merchant bank, accepting bank 承兌銀行 investment bank 投資銀行 import and export bank (EXIMBANK) 進出口銀行 joint venture bank 合資銀行 money shop, native bank 錢莊 credit coop

8、eratives 信用社 clearing house 票據(jù)交換所 public accounting 公共會計 business accounting 商業(yè)會計 cost accounting 成本會計 depreciation accounting 折舊會計 computerized accounting 電腦化會計 general ledger 總帳 subsidiary ledger 分戶帳 cash book 現(xiàn)金出納帳 cash account 現(xiàn)金帳 journal, day-book 日記帳，流水帳 bad debts 壞帳 investment 投資 surplus 結(jié)余 i

9、dle capital 游資 economic cycle 經(jīng)濟周期 economic boom 經(jīng)濟繁榮 economic recession 經(jīng)濟衰退 economic depression 經(jīng)濟蕭條 economic crisis 經(jīng)濟危機 economic recovery 經(jīng)濟復蘇 inflation 通貨膨脹 deflation 通貨收縮 devaluation 貨幣貶值 revaluation 貨幣增值 international balance of payment 國際收支 favourable balance 順差 adverse balance 逆差 hard curre

10、ncy 硬通貨 soft currency 軟通貨 international monetary system 國際貨幣制度 the purchasing power of money 貨幣購買力 money in circulation 貨幣流通量 note issue 紙幣發(fā)行量 national budget 國家預算 national gross product 國民生產(chǎn)總值 public bond 公債 stock, share 股票 debenture 債券 treasury bill 國庫券 debt chain 債務鏈 direct exchange 直接（對角）套匯 indi

11、rect exchange 間接（三角）套匯 cross rate, arbitrage rate 套匯匯率 foreign currency (exchange) reserve 外匯儲備 foreign exchange fluctuation 外匯波動 foreign exchange crisis 外匯危機 discount 貼現(xiàn) discount rate, bank rate 貼現(xiàn)率 gold reserve 黃金儲備 money (financial) market 金融市場 stock exchange 股票交易所 broker 經(jīng)紀人 commission 傭金 bookke

12、eping 簿記 bookkeeper 簿記員 an application form 申請單 bank statement 對帳單 letter of credit 信用證 strong room, vault 保險庫 equitable tax system 等價稅則 specimen signature 簽字式樣 banking hours, business hours 營業(yè)時間 銀行英語口語兌換貨幣Please tell me how much you want to change. 請告訴我你要換多少。 How much of the remittance do you want

13、to convert into Japanese yen? 你要把多少匯款換成日圓？ What kind of currency do you want? 要哪種貨幣？ What's it you wish to change? 你有什么要換的？ What kind of currency do you want to change? 要換哪種貨幣？ In what denominations? 要什么面值的？ Please tell me what note you want. 請告訴我要什么鈔票。 Will seven tens be all right? 7張10元的可以嗎？ I

14、s it in traveler's cheques? 換旅行支票嗎？ I'd like to know how I shall give it to you. 我想知道如何付錢給你。 How would you like it? 你要什么面額的？ Would you kindly sign the exchange form, giving your name and address? 請在兌換單上簽字，寫出你的姓名和地址，好嗎？ Can you change me some money, please? 能否請你給我兌換一些錢？ Here it is, some Frenc

15、h francs, Swiss francs, American dollars and a few Dutch guilders. 這些就是：一些法國法郎，瑞士法郎，美圓和一些荷蘭盾。Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change. 請你給我7張5鎊紙幣，4張1鎊紙幣，4張10先令紙幣，剩下的要零票。 Would you mind giving me the six pence in coppe

16、rs? 勞駕給我6便士的銅幣。 I'd like to know if you could change this money back into U.S. dollars for me. 我想知道能否把這筆兌回成美圓。 Could you change these French francs for me? 能給我兌換這些法國法郎嗎？ Can you give me 100 dollars in Swiss francs? 能否給我100美圓的瑞士法郎？ I'd like to convert the full amount of the remittance into U.

17、S. dollars. 我想把全部匯款換成美圓。 I'd like some coins for this note. 我想把這張紙幣換成硬幣。 I'd like to break this 50 dollar note. 我想把這張50美圓紙幣換開。 Five twenties and ten singles, please. 請給我5張20元和10張一元的。 I need 300 dollars in 100-dollar cheques. 我要300美圓票面為100美圓的支票。 I hope you'll give me ten traveler's ch

18、eques of 100 dollars each. 我希望給我10張面額為100美圓的旅行支票。 In fives, please. 請給我5元票面的。 Could you give me some small notes? 給我一些小票好嗎？ Useful Words and Phrases currency, money 貨幣 money changing 兌換貨幣 an exchange form 兌換單 bank note 鈔票 note of large denomination 大票 note of small denomination 小票 small change 零錢 su

19、bsidiary money 輔幣 nickel piece 鎳幣 plastic currency notes 塑料鈔票 convertible money 可兌換（黃金）紙幣銀行英語口語-新開帳戶What kind of account did you have in your mind? 你想開哪種帳戶? Do you like to open a current account? 你想開一個活期存款帳戶嗎? A deposit or current account? 定期還是活期? Please tell me how you would like to deposit your mo

20、ney. 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 savings. 支票戶頭要收服務費，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

21、 an initial deposit of 50 dollars. 你可隨時以50美圓的起存額開立儲蓄帳戶。 Even one yuan is all right. 甚至一元也可以起存。 Here is your pasbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it. 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 curre

22、nt account. 我想開一個活期存款帳戶。 I need a checking account so that I can pay my bill. 我需開個支票帳戶，這樣就能付帳。 We'd like to know how we open a checking-savings account. 我們想知道如何開一個支票儲蓄帳戶。 I have a checking account here. 我在這里有一個支票存款帳戶。 I think I'd like a deposit account. 我想要開個定期存款帳戶。 Can I open a current acco

23、unt here? 我能否在這兒開個活期存款帳戶？ I want to open a deposit account with you. 我要開個儲蓄帳戶。 I'd like to open a deposit account with you. 我想在你們這兒開個定期存款帳戶。 Could you tell me the difference between a savings account and a checking account? 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 a savings a

24、ccount. 請告訴我開個儲蓄帳戶需要什么手續(xù)。 Will 100 yuan be enough for a minimum deposit? 100元作最低存款額夠嗎？ I'd like to know whether a 200 yuan deposit will be enough for opening a checking account. 我想知道開一個支票帳戶200元存款是否夠。 Could you tell me how to operate this account? 請告訴我如何經(jīng)管這個帳戶好嗎？ Is there any minimum for the firs

25、t deposit? 第一次儲蓄有最低限額嗎？ How much does each account cost? 每個帳戶要花多少錢？ Useful Phrases current deposit, current account 活期存款 fixed deposit, fixed account 定期存款 fixed deposit by installments 零存整取 joint account 聯(lián)名存款帳戶 to open an account 開戶頭 銀行英語口語存款How much do you want to deposit with us? 你想在我們這存多少？ How mu

26、ch do you wish to pay into your account? 你希望在你的戶頭上存多少？ How much money do you plan to keep in your account on a regular basis? 你計劃在你的戶頭上定期存放多少錢？ How much cash do you plan to deposit in your account? 你有多少錢要存入呢？ I think you may deposit your money with the bank, or leave it here for temporary safe-keepi

27、ng. 我認為你可把錢存入銀行，或留在銀行暫保管起來。 Would you please fill in the depositing form, giving the sum of money you're to deposit as well as your name, address and professional unit? 請?zhí)顝埓婵顔?，寫明要存的?shù)額以及你的姓名，地址和工作的單位，好嗎？ I want to deposit 300 yuan in my account. 我想在我的戶頭上存300元。 I want to deposit these cheques in m

28、y account. 我想把這些支票存在我的戶頭上。 I'd like to pay 200 yuan into my deposit account. 我想在在我的定期存款戶頭上存200元。 I want to deposit my paycheck. 我想存入我的工資支票。 I'd like to know whether I can cash a cheque here. 我想知道我能否在這兌換支票。 Will you please cash this traveler's cheque? 請兌現(xiàn)這張旅行支票好嗎？ I'd like to cash thi

29、s money order. 我想兌現(xiàn)這張匯款單。 I want to cash the balance of a traveler's letter of credit. 我要把旅行信用證的結(jié)余兌現(xiàn)。 Will you please tell me whether you charge for cheques? 請告訴我兌換支票收手續(xù)費嗎？ Could you tell me how much the checks cost? 請告訴我這些支票要花多少錢？ What if I overdraw? 如果透支了怎么辦？ Please sign your name on the botto

30、m line if you want to cash the check. 如果想兌支票，請在底線上簽名。 Please write your account number on the back of the check. 請在支票背面寫上你的帳號。 We honored the check as the overdraft was only 5 yuan. 我們承兌這張支票的透支額只有5元。 Please endorse the cheque. 請背簽這張支票。 The traveler's checks cost 1.5% of the total amount of purch

31、ase. 旅行支票手續(xù)費是購買總額的1.5%。 Here's the cheque book. When you send a cheque by post be careful to cross it, but if you wish to cash a cheque yourself, you must leave it "open". 這是一本支票簿，你郵寄支票時，注意要在支票上打叉線。但是如果你本人想開張兌現(xiàn)支票，就不可打叉線。 Each cheque you write will cost 2 dollars. 你每開一張支票將花2美圓。 Useful W

32、ords and Phrases account number 帳目編號 depositor 存戶 pay-in slip 存款單 a deposit form 存款單 a banding machine 自動存取機 to deposit 存款 deposit receipt 存款收據(jù) private deposits 私人存款 certificate of deposit 存單 deposit book, passbook 存折 credit card 信用卡 principal 本金 overdraft, overdraw 透支 to counter sign 雙簽 to endorse

33、背書 endorser 背書人 to cash 兌現(xiàn) to honor a cheque 兌付 to dishonor a cheque 拒付 to suspend payment 止付 cheque,check 支票 cheque book 支票本 order cheque 記名支票 bearer cheque 不記名支票 crossed cheque 橫線支票 blank cheque 空白支票 rubber cheque 空頭支票 cheque stub, counterfoil 票根 cash cheque 現(xiàn)金支票 traveler's cheque 旅行支票 cheque

34、for transfer 轉(zhuǎn)帳支票 outstanding cheque 未付支票 canceled cheque 已付支票 forged cheque 偽支票 Bandar's note 莊票，銀票銀行英語口語取款、結(jié)余I'd like to know if I can draw on my account for 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 dollars from my deposit account. 我要從我的定期存款中支取20

35、0美圓。 I want to close my account with you. 我想結(jié)束在你們這兒的帳戶。 I'd like to draw 100 yuan against this letter of credit. 我想從這份信用證上提款100元。 May I draw money against the letter of credit here? 我可以在這兒用這份信用證取錢嗎？ Could you tell me my balance? 能否把存款結(jié)余金額告訴我？ Please let me know my balance. 請告訴我結(jié)余金額。 I think you

36、can draw on this account by cheque in payment of goods. 我以為你可用支票提款支付購物費用。 Your balance at the bank is 300 yuan. 你在本行的結(jié)余是300元。 Your deposit is exhausted. 你的存款支凈了。 Your letter of credit is used up. 你的信用證用完了。 Please tell me how you wish to draw your money. 請告訴我你希望怎樣支款。 Fill our a withdrawal form, pleas

37、e. 請?zhí)顚懭】顔巍?The letter of credit is exhausted. 信用證上的款子已提清。 The letter at Counter 6 will pay you against your number slip. 六號柜臺的出納員將根據(jù)你的號碼牌付給你錢。 Useful Words and Phrases to close an account, to clear an account 結(jié)清 to draw money 取款 drawing-out slip 取款單 the number slip 號碼牌 a withdrawal form 取款單 to fill

38、in the receipt in duplicate 一式兩份填這張收據(jù) teller, cashier 出納員銀行英語口語儲蓄存款利息What's 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 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.

39、 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. At present it

40、is 6%. （年息）每個時期都不同，現(xiàn)在是六厘。 Useful Words and Phrases interest rate 利率 simple interest 單利 compound interest 復利 legal interest 法定利息 prime rate 優(yōu)待利率 payable interest 應付利息 lending rate 貸款利率 usury 高利貸 the subsidy rate for value-preserved savings 保值儲蓄補貼率銀行英語口語外匯率Tell me the current rate for RMB, please. 請告訴

41、我人民幣的現(xiàn)價。 What's your selling rate for RMB yuan in notes today? 你們今天人民幣現(xiàn)鈔的售價是多少？ What's the dollar going for today? 美圓今天的售價是多少？ Our buying rate for notes is 523 yuan for 100 dollars. 我們100美圓的現(xiàn)鈔買入價是523元。 It's 200 French francs at today's selling rate. 今天的賣出價是200法國法郎。 The buying rate of

42、 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。 Useful Phrases buying rate 買進價格 selling rate 賣出價格 And how much will it be in Japanese currency? 換成日本幣是多少？ How much would I get for 300 Japanese yen? 300日圓可兌換多少錢？ I'd like to know the exchange rate for German marks. 我想知道德國馬克的

43、兌換率。 What rate are you giving? 你們提供的兌換率是多少？ What's the exchange rate today? 今天的兌換率是多少？ Please tell me what you would give me for my U.S. dollars. 請告訴我這些美圓可以兌換多少錢。 Please tell me the current rate for sterling. 請告訴我英國貨幣的現(xiàn)行兌換率。 If you'll wait a moment, I'll find out the rates of exchange. 請

44、等一會兒，我查一下兌換率。 Please wait a moment. I'll find out the exchange rate between U.S. dollars and RMB. 請等一會兒，我查一下美圓對人民幣的兌換率。 It's 470 yuan for 100 dollars. 100美圓可兌470元。 The exchange rate today is 200 yen to the pound. 今天的兌換率是一英鎊可兌200日圓。 The rate for traveler's cheques is 300 yuan against 100

45、dollars. 旅行支票的兌換率是100美圓兌300元。 These dollars are worth 1,000 yuan. 這些美圓可換1000元。 Useful Phrasesexchange table, conversion table 匯兌換算表 foreign exchange 外匯 exchange rate 外匯率 conversion rate 折合率 foreign exchange restriction 外匯限額 foreign exchange quotations 外匯行情 to check the rate for sb. 查牌價DIALOGUE 1C= C

46、ustomer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 L/C, but I do not 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 th

47、e exporter to make shipment and prepare the documents specified in the L/C. As soon 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。 信用正是應客戶（通常是進口商）的要

48、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 what is 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

49、terms, shipping documents, latest shipment date and validity of the L/C.商品的品名，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 mai

50、l of cable. After verifying the authenticity of the L/C, the correspondent (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

51、all the documents to a negotiation bank if it is available by negotiation. 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 importer,s accoun

52、t when releasing the shipping documents to the importer. The whole transaction 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: you are welcome!別客氣！DIALOGUE 2C=Customer T=Teller T: Hello! M

53、ay I help you?您好，您有事需要幫忙嗎？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 would be 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 bank

54、s 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 we somewhat better than at hotels because of the service charge. You see, hotels are not really in the money exchange business although they will cash t

55、raveler,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(jīng)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 is really not much 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 eac

56、h? I think that will be enough.那么，我能把每張100美圓的3張支票兌現(xiàn)嗎？ 我想該夠用了。T: Yes, I will be happy to cash these for you. Would you please countersign them here?好的，我很樂意為你兌換。請您將支票復簽一下。C: There you are.T: And will you please sign this foreign exchange request? I have already written down your name and address for yo