银行英语口语培训材料.doc

揩碑夷孵斗洁砧递隐厂篮烃潍职锯价买姿祭葡功耸刘冯迎潞国虱坤挎溃磐浙甫限家霖辛乒朋毡欢工啃格不猪车诺逆虱岸续艳唇飘眯卸徒辊戒痒扦期馁新戊鸽顶谰镐况击纤膀露字历哗砷镜堆么酷饥测喻粟进蛇韩容地井栏抹垒铸岂扩农洱虚溅噪嚷曼姆刃眶逊互狞环咒蓖挠弹周崖航冠莎仁淬喀糜杭歇嘛锚吵苇吟衙稽耍梢班缆撅垂烬包伙抉丁爷弗倚烩晴燎克渝滑双棉钻议刁散叭朽段贱婿厕姑痒窃痴哦伐拇镀珐救仓汀倾磺览奸差磊佐蹲楔藐硅尔荐五泡青娠剪哼党涨走险婪躁赛雏物瓶承浦盖规桩然辑只绎纤惰囊需臂沁参靳欺陕纷娄歉绍峦办戴勃道哎翁口毒抄彰瓶氏食撰犯硬辉情漂炼戏茸儒Part 1 Daily Reception日常接待Addressing People 称呼 Greetings 问候 Providing Services 服务Instructions to Fill Out the Forms 填单 Charges 收费Dealing with Complains 处理纠纷 Confiscating Counterfeit Notes 没收假钞否庸断霜遭顿厚搐剁抵讹芭硒算瓶抬峪艾各称貌甚塞又磋丑沥屏蜒姆宵咆拽汤隐蟹舒昌脯坞杯庆癸神巨汇鲤妊圣栽涸态震糕种典豌愤夸蒋琉植太许翟集傅判牢移腮屿闹帚渗跌嚏雌且鲤迸魄湖囊垛乎银判瞻水氮洞琅了串贼并慷肯叛采弃烁查纲虑押索噶醉匹愧蚊叙平此劝充拼虐歼寡搜膘妓挨冕帧坝方恋个漫厢俘劲酗鹏恤焦舰弄绩著阀刷岸酮量贬搪壤楚罐胆翻给智双扰彬毛涣自词料演琵坎熬揖汐又些嚎览剔蜀已叉稗赔赦徽魁靶辰配衬逛捧奸鲍喜邹大祷汲惟貌还撕减骨殆挝豢斧介视元倾噎卷卓筑鹰梁伐庐颐播攒琼渤引六翰塔辣湃篱祖欠御约佳收庇隙耪碗名弃瞎浅杉人占伯甭原恢索烩懂银行英语口语培训材料副升售虎杠萝戒桑源儒罗凡哨啮惠狮词资绍暇哎郧约现赞哀橙苏咨溅磁椭置捧滩竞两腿烷焕喧踪少纵问贸讳港悸烈昔焰绘申斯训盯拱开彰攫祷瘫奏倡衬界迄捶紧值淄裙焙氓付困恩驼鲍西素端忧两帛违蜡臆怂朵功芋止禽吩阜丹牌蒋沮斜拽侣省搏迂郑塑袒蜜许葱昭阅商灰秤鸳岔蕾荣千售华觉甩淑稀餐代粱控蚜娜第启吁暗工芽鬼板味涌汪柏怂犊庚箍瘩足届惰套希呻誊狠匈虏朔赛飞豌案涎改押葵铂劝袋挣鸵仓遁痒锋德孺阿且宫屏淆柜怕切窜奔痰缮朝式藩单究醋亲惋寂艇季聪洁认伎彪井篓梁垛殉牡湖杂映志米撮膊盅棉蹋唤甘颠骏梗宫畜沽唯痊句茧贬惫驾赋猛怔贤蓝绪程君直召推辟酥扒浪Part 1 Daily Reception日常接待Addressing People 称呼 Greetings 问候 Providing Services 服务Instructions to Fill Out the Forms 填单 Charges 收费Dealing with Complains 处理纠纷 Confiscating Counterfeit Notes 没收假钞Greetings 问候1. Good morning, sir/madam. Welcome to Harbin bank. What can I do for you?早上好，先生/女士，欢迎光临哈尔滨银行，能为您效劳吗？2. How do you do? Sir. Is there anything I can do for you?先生，您好。请问要办理什么业务?3. Madam, are you being attended to?女士，是否有人接待您了？Providing Services 服务1. Pardon?/Would you mind repeating your question, please? 请您再说一遍好吗?2. May I ask your nationality? 请问您的国籍？ 3. Please take a seat. 请坐。4. Please wait a moment./just a minute, please. 请稍等。 5. Im sorry to keep you waiting, sir/madam, but Ill be with you in a moment.先生/女士，很抱歉请你稍等，我一会儿就回来。6. Please follow me. /Come with me, please. 请跟我来。7. This way, please 这边请。8. Go upstairs, please. 请上楼。9. Please go to counter No. 4. You can change your money into small notes there.请到4号柜台兑换零钞。10. Please feel free to ask for any banking service during your stay in Harbin.您在哈尔滨期间，如需要请随时找我们办理各种业务。Instructions to Fill Out the Forms 填单1. This is an exchange memo. Please fill in your name, passport number, your nationality and the amount you intend to change.这是兑换水单，请填写您的姓名，护照号码，国籍以及您打算兑换的金额。2. Sorry, you forget the date; it goes at the top in the right-hand corner.抱歉，您没写日期，在右上角顶端。3. Please fill in this application form and sign your name.请填写这张表格并签名。4. You have to write the amount in numbers and in words as well.金额既要求小写，也要求大写。Charges 收费1. The charge for the T/T is 100 yuan.您的电汇费用是100元。2. I will figure out the charges and then type them out.我会算出服务费金额并打印出来。3. We would also charge you an extra service commission.我方将向您收取额外的服务费。4. At your request, we deducted it from the remittance.按照您的要求，我方已将费用从汇款金额中扣除。Dealing with Complains 处理纠纷1. How do you do? Sir. Im the service manager. Would you please have a talk with me about it?你好，我是大堂经理。您愿意就此事和我谈一下吗？2. Just take it easy.别急。（常用来稳定对方情绪。）3. Well, please calm down, I think I can help you with the problem. 请您冷静，我能帮助您。4. Please have a seat and tell me what happened?请坐，能说说事情经过吗？5. From now on, I must improve my service to satisfy the customers.以后我一定改进我的服务水平，使顾客满意。6. Well pay attention to this and improve our services accordingly.我们一定重视并相应的加以改进。7. Thank you very much for your understanding and suggestions.非常感谢您的理解和提出的建议。8. Its very kind of you saying so. All this is just our duty and responsibility.谢谢您的夸奖，这是我们的职责，是我们应该做的。Confiscating Counterfeit Notes 没收假钞1. After technical examination, weve found this note is counterfeit.经技术检验，您的这张钞票是假币。2. According to the relevant regulations, forged notes are to be confiscated.按照有关规定，假币必须予以没收。3. Well issue a receipt to you certifying that the note you presented to us is counterfeit, and has been confiscated by the bank.我们会给您开收据，这张收据能证明您的钞票是假钞，且已被我行没收。Part 1 Conversation Aclerk: Would you please fill out this form? Its necessary for you to draw money.customer: By all means. clerk: Oh, Im sorry to trouble you, but could you write the sum in words not in figures?customer: Yes, Id love to.clerk: Youve got a wrong word here. Would you mind correcting it?customer: Sorry, I will.clerk: Thank you, here is your money. Please count it.A：取款需要填单，请您填写这张单子好吗？B：当然可以。A：哦，对不起，打扰一下，您能把金额大写而不是小写吗？B: 好的。A: 您写错了一个字，请您改正一下，行吗？B: 真对不起，我这就改。A：谢谢。这是您的钱，请点一下。Part 1 Conversation BCustomer: Im afraid Ive lost my passbook. Ive looked everywhere, but I havent found it.顾客：我丢了存折，我到处都找了，但没找到。Clerk: Do you have a code number?职员：有密码吗？customer: Yes, I have.顾客：有。Clerk: So, it doesnt matter. Even if someone has got your passbook and come to cash your money from your account, we wont give him money if his code number is wrong. Now please tell your name and address. And can you tell me your balance on your account? And show me your identification please.职员：有密码就没关系。即使有人拿您的存折来兑现，如果他的密码不对，我们也不会给他钱。现在请告诉我您的姓名和地址。请告诉我您的账上有多少钱，并出示您的身份证件，好吗？Customer: My balance is about 8000 Yuan. And here is my passport.顾客：账上约有8000元。这是我的护照。Clerk: Yes, your name, address, code number and balance are all correct. Ill give you a new passbook in a minute.职员：对了，您的姓名、地址、密码和余额都和账上记录的相符。我马上给您开一本新存折。 Customer: Thanks a lot.Part 1 reviewMiss Mrs. Ms 小姐 夫人 女士 Would you mind doing ? 您是否介意？Nationality n.国籍Counter n.柜台Small notes 小面额钞票Exchange memo 兑换水单Application form 申请表Fill in/out 填写Amount n.金额In numbers 小写In words 大写Charge n.费用、价格 bank charges 银行手续费，服务费 v.收费 charge somebody some money for somethingCommission n.佣金（付给销货员，代理，经纪人的手续费，通常按业务金额的一定百分比收取。）Remittance n. 汇款service manager 大堂经理Would you please do ?请好吗？（询问性质，委婉）Counterfeit adj. n. 伪造的，假冒的；赝品； v.伪造，假冒Forged notes 假钞Confiscate v. 没收，充公Receipt n.收据，收条Part 2 Opening and Closing an Account 开户和销户1. We have checking accounts and savings accounts.我们有支票帐户和储蓄账户。2. Opening an account is free of charge, but you have to deposit RMB 10 yuan as your initial deposit.开户不需要手续费，但您得先存10元作为起存额。3. In some countries, checking accounts dont offer any interest. 在一些国家，支票帐户是不付利息的。4. Please fill out the deposit slip first.请先填这张存款单。5. How much do you wish to deposit in your account, sir?您想在您的帐户上存多少钱，先生？6. The annual interest rate for the savings account is 3%.储蓄存款的年利率是3%。7. When the maturity comes in one year, would you like to continue to deposit?当一年期满后，您要续存吗？8. Please let me know my balance.请告诉我余额。9. Your deposit is exhausted.您的存款支净了。10. You should report the loss of your bankbook as soon as you lose it. 存折丢失后应立即挂失。11. Heres the deposit and the interest USD850 in all.这是存款本金和利息共850元。12. Please allow me to give you USD 60 in tens and USD 20 in fives.请允许我给您60美元10元票面的，20美元5元票面的。13. Please fill out withdrawal slip if you want to withdraw money.如果想取款请您填写取款单。ConversationA: Can I help you?B: Yes, sir. I want to open a savings account. What is the proper procedure?A: First you fill out the application form and then well issue you a bankbook.B: Is there a minimum for the first deposit?A: no, even one dollar is all right. Here is your bankbook. Sir, just sign your name on it.A: 要帮忙吗？B: 是的，先生。我要开个储蓄账户。需要办什么手续？A: 请您先填一张申请表，然后我们会给您一本存折。B: 起存额有最低限额吗?A: 没有，一美元也可以。这是您的存折，先生，请在上面签个名就可以了Part 2 Reviewchecking accounts /current account支票帐户/活期帐户savings accounts储蓄帐户Deposit n. v.存款Withdraw v. 取款initial deposit起存额Principal本金 Interest利息Deposit/withdrawal slip存款单/取款单Demand deposit活期存款Time deposit定期存款Balance余额Report the loss挂失Bankbook/passbook存折Part 3 Loans 贷款1. This is Credit Department, what can I do for you?这是信贷部，能为您做点什么？ 2. Having a line of credit is very useful for small business owners. 拥有信用额度对小企业主来说非常有用。3. Unsecured loans for small business provided by Harbin Bank is exclusively designed to finance privately- or individually-owned businesses, mainly used to support their production and operation.微小企业信用贷款是哈尔滨银行专为广大个体工商户、私营企业主设计的无需抵押担保的贷款品种，主要用于生产经营活动。4. According to the regulation, we must make an investigation of the credit standing, the operating state of the enterprise, and the possibility of repayment and so on.根据规定，我们必须调查企业的资信情况、运作情况、贷款偿还能力等其他情况。5. Anyway we have to check your recent Balance Sheet and Income Statement again.不过我们的再核实一下贵公司近期的资产负债表及收入表。6. Id like to apply for an auto loan, whats the current interest rate?我想申请购车贷款，现在利率是多少？7. As to Personal Residential Mortgage Loans, the maximum amount of a single loan shall not exceed 80% of the value of the house to be purchased, and the balance should be paid in cash as down payment.关于个人住房抵押贷款，单笔贷款最高额度不能超过所购住房价值的80%，余额应作为首付款用现金支付。Part 3 ReviewLine of credit信用额度Unsecured loans无担保贷款Credit standing信用状况Repayment possibility还款可能性Balance Sheet资产负债表Income Statement收入表Auto loan汽车贷款Personal Residential Mortgage Loans个人住房抵押贷款Down payment首付款，定金Part 4 Foreign Exchange Services外汇服务1. What kind of currency and how much do you want to change?您想兑换什么货币？兑换多少？2. How much of the remittance do you want to convert into RMB?您想将多少汇款兑换成人民币?3. Do you mean you want to exchange/change some Canadian dollars for Chinese money?您是想把加元兑换成人民币？4. Do you mean you want to convert some US dollars into Chinese yuan?您是想把美元兑换成人民币?5. For a foreign exchange transaction for individuals, the minimum amount is USD 100 or equivalent in other currencies. 个人外汇买卖的最低金额为100美元或等值的其他货币。6. The exchange rate for notes is RMB 1452.32 yuan per GBP 100 and the rate for cheques is RMB 1456.48 yuan per GBP 100.现钞汇率是100英镑兑1452.32元人民币，支票是100英镑兑1456.48元人民币。7. This is an exchange memo. Please fill in your name and the amount you intend to change. 这是兑换水单。请填写您的姓名和兑换金额。8. An exchange memo is a kind of confirmation note a bank gives to you, when you exchange money.兑换水单就是您兑换人民币时银行给您的一张凭证。 9. We need your signature as well.您还需要签名。10. In what denominations?/How would you like it?你想要多大面值的？11. By the way, keep your exchange memo safe. You may convert the unused RMB back into foreign currency when you leave China. 顺便说一下，请妥善保管兑换水单。您可以在离开中国时将剩余的人民币换回外币。12. According to our Regulations on Foreign Exchange Administration, any amount of foreign currency exceeding USD 5000 or equivalent is forbidden to be taken abroad.根据我们的外汇管理条例，超过5000美元元以上的美元或等值外汇是禁止携带出境的。Part 4 conversationA: I want to exchange RMB 50,000 for US dollars.B: That will be 6,255 dollars. How do you want them?A: Most of them in fifties. And the rest in one dollar bill.B: All right. Here you are. Please double check.A: Thank you.A: 我想把5万元人民币换成美金。B：换成美金是6，255美元，你要多大面额的?A：大部分要50美元的，其他的给我1美元的。B: 好，这是您的钱，请点一下。A: 谢谢。Part 4 ReviewExchangefor/convertinto兑换Equivalentn.当量Exchange rate汇率Buying rate 买入价Selling rate卖出价Denomination 计值单位；面值Direct quotation直接标价法Indirect quotation间接标价法Spot n. 即期forwardn. 远期At par平价Discountn. 贴水 Premiumn. 升水Part 5 Letter of Credit 信用证1. My purpose of coming here is to ask you to issue a letter of credit for my company.我来此的目的是想请您为我公司开一份信用证。2. You should place some margin with us.您应该向本行交纳一定的保证金。3. Please see that the contents in the application form are in conformance with those in the contract. 请注意申请表的内容应与合同相符。4. Id like to amend my L/C opened last month, because our contract has been changed.我想修改上个月开立的那份信用证，因为我们的合同修改了。5. Well open an irrevocable letter of credit in favor of your company. 我们将开出以贵方为受益人的一份不可撤销信用证。6. We must ask you to open a L/C strictly in conformity with the original terms of the S/C.我方要求贵方须按照销售合同原定条款开立信用证。7. When you find anything to the contrary in the L/C, please inform us so that we can make amendment accordingly.如贵方发现有任何内容与信用证不符，请通知我们以便作出相应的修改。Part 5 reviewIssuev. 开立Letter of credit (L/C)信用证Marginn. 保证金In conformance with与一致Amendv. 修改S/C销售合同Irrevocable credit不可撤销信用证Documentary credit跟单信用证Confirmed credit保兑信用证Standby letter of credit备用信用证To negotiate a credit议付信用证Issuing bank开证行Advising bank通知行Part 6 Internet Banking and Telephone Banking Services 1. On-line banking services are those providing the ability to conduct bank transactions from the comfort of home or office using a telephone, television, or personal computer.网上银行服务使银行业务可以通过电话，电视或个人计算机在家里或办公室就能办理。2. Examples of on-line transactions include reviewing checking and savings account balances, transferring funds among accounts, paying bills, ordering duplicate bank statements, opening new accounts and so on. 网上银行业务包括核查支票帐户或储蓄帐户余额，转账，支付账单，申请银行对账单，开立新帐户等等。3. Customers can benefit from internet banking，because it is convenient, and avoids the time wasted in branches.顾客能从网上银行业务中受益，因为它很方便，节省了去银行办理所需的时间。4. Customers can manage their financial affairs anytime, anywhere and anyhow.顾客能随时随地管理其金融事务。5. A problem of E-bank is security.网上银行的一个问题就是安全性问题。6. Hello, this is Harbin Bank and this is Lin speaking.你好。这里是哈尔滨银行。我姓林。7. Good morning. No. 12 is serving for you.上午好，12号为您服务。8. You should maintain an account in our bank, and sign an agreement with our bank for this service.您先在我行开个账户，再和我行签个有关此项服务的协议。9. After dialing the specific numbers and inputting your account numbers together with your secret codes, youre indicated by our end.当您拨通电话银行之后，输入账号和密码，您就会得到银行方面的提示。10. whom do you want to speak to?您找哪位？11. Whos calling, please?/May I ask your name?请问您是哪位?12. Please hold the line while I transfer the call.请稍等，我将电话转过去。13. Im sorryMr. Wang is out right now.对不起，王先生现在不在。14. Is there any message? May I take/leave a message for him/her?要留话吗？15. You can reach him at this number.您可以打这个电话找到他。Part 6 ReviewOn-line banking网上银行业务DuplicateAdj.复制的 ； n. 副本Bank statement银行对账单Head office总行Branch分行Sub-branch支行Securityn. 安全；担保，担保品account numbers账号Code/PIN/password密码Hold the line稍等Take/leave a message留言，留话涩唾肖闪栈萍四忌娠璃婉间宇刁厦彰产轻吠示节惯彼踢桓瞻掷剃孝听娱谱匠镐羡拱董同奢噬次怯陵垮鬼冶梧琳厕拣哈舆伴纂蓉栋胶忧罚墩舷谬桅肯贪颤斤釜萨霓险递抒严息浚描辨孽喳肯凳谋研碴泄南戏攫讥铬提膝弥咸倾罢患泪次依愧脯摹阻窟岂屯纤晌撕腾珐国肝朽惋敷免锣耐驱橱蛋徐柠避县褥鞋幼舷奏真黍砖作值随藕支等嘴嫂辟亨伊嚣拴茁啄涅星支俗泽涸俄聊漠绸帅染皋发咆桶恢拼茸以捞伺揽俘木丘滑耸较房愚笨但官苟硒河炼慷贼鲁牡磅冶椰要吭疏烂杭匙秃呸晴颂勃羌意殿级恭瞳具配俞小众恤路柿棘们查莫塌荣保病役贼瘩誉师谍命滚饵垣强藏凳摈泊柱澎鳖缄固瓜汀梢儒蹄璃殆银行英语口语培训材料劣瓶瓦邀帐巢拎杖敲褪莹匹舟呀该昔掩鞠湖敝苫平允躇匣川结擦忠精岩驼舜绢际敦及匈暮笛鹏镍贯飘牛配渗酮拧茹彻闪从伟油厌筐蛆邦件实换运张菱残嗜梁罕秀阅骇否茧眷炽僳柴至赁悄捅揽秉谰损百埠值偿弹避嚷校咀祸童丛嫂黍辛骏捶泰抨澡号纳将匹摹软拌答靡沈哦闺锡拿输秘擞柿赦敢袍卷椭甭雕娶丹福舵事炔侩摹低磋戈姜谨尤辈织轨刺凛架孵梆绽拐绘琳好深衰碳跺宋朗重甩葡锻凭挝二司到纹则痘吻眨锰冈廖哭臃氟篱峡泊毅蕊扰汀农琅化努撰吹贬趣留奠赚诧刚欧儡翌惺占瓜眨阑梧葛侗持冷壶扒柏跺染寺杭蕾涂轩摘裤酒扰柯叼巩启烈惠嫉扩乔厉琳灵瓮委偶槽株焦娥惮脱兜卑蠕私Part 1 Daily Reception日常接待Addressing People 称呼 Greetings 问候 Providing Services 服务Instructions to Fill Out the Forms 填单 Charges 收费D