银行常用英语词汇S.doc

Bank –vocabulary and sentences
branch bank 银行分行 
construction bank 建设银行 
industrial and commercial bank 工商银行 
bank of communications 交通银行 
inflation 通货膨胀 
deflation 通货收缩 
devaluation 货币贬值 
revaluation 货币增值 
favourable balance 顺差 
adverse balance 逆差 
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 
foreign currency (exchange) reserve 外汇储备 
foreign exchange fluctuation 外汇波动 
foreign exchange crisis 外汇危机 
gold reserve 黄金储备 
money (financial) market 金融市场 
stock exchange 股票交易所 
broker 经纪人 
an application form 申请单 
bank statement 对帐单 
banking hours, business hours 营业时间
password/code密码
amount in figures小写金额 amount in words大写金额
11

 cashier收银员 Automated Teller Machine
teller银行职员 statement对帐单
service charge服务费/手续费
by installment分期付款
银行英语口语－新开帐户
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 联名存款帐户
BANK: What kind of account did you have in your mind?
你想开哪种帐户?
Do you like to open a current account?
你想开一个活期存款帐户吗?
A deposit or current account?
定期还是活期?
Please tell me how you would like to deposit your money.
请告诉我你想存何种户头?
There's a service charge for the checking account but no charge for the savings.
支票户头要收服务费，现金户头不收。
Our minimum deposit for a savings account is 100 dollars.
我们储蓄存款的最低存款额是100美圆。
Five yuan is the minimum original deposit.
最低起存款额是5元。
You can open a savings account at any time with an initial deposit of 50 dollars.
你可随时以50美圆的起存额开立储蓄帐户。
Here is your pass book. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it.
这是你的存折，存取款时请带来。保管好存折，遗失请告诉我们。
YOUR :I should like to open a current/deposit account.
我想开一个活期存款帐户。
I need a checking account so that I can pay my bill.
我需开个支票帐户，这样就能付帐。
We'd like to know how we open a checking-savings account.
我们想知道如何开一个支票储蓄帐户。
Please tell me the procedure for opening a savings account.
请告诉我开个储蓄帐户需要什么手续。
Is there any minimum for the first deposit?
第一次储蓄有最低限额吗？
How much does each account cost?
每个帐户要花多少钱？

银行英语口语－存款
Useful Words and Phrases
account number 帐号 
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 cash 兑现 
to honor a cheque 兑付 
to dishonor a cheque 拒付 
cheque,check 支票 
cheque book 支票本 
order cheque 记名支票 
bearer cheque 不记名支票 
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 
Bank : How much do you want to deposit with us?
你想在我们这存多少？
How much do you wish to pay into your account?
你希望在你的户头上存多少？
How much money do you plan to keep in your account on a regular basis?
你计划在你的户头上定期存放多少钱？
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?
请填张存款单，写明要存的数额以及你的姓名，地址和工作的单位，好吗？
 Your:
I want to deposit 300 yuan in my account.
我想在我的户头上存300元。
I'd like to pay 200 yuan into my deposit account.
我想在在我的定期存款户头上存200元。

I'd like to know whether I can cash a cheque here.
我想知道我能否在这兑换支票。
I'd like to cash this money order.
我想兑现这张汇款单。
Will you please tell me whether you charge for cheques?
请告诉我兑换支票收手续费吗？
What if I overdraw?
如果透支了怎么办？
Bank
Please sign your name on the bottom line if you want to cash the check.
如果想兑支票，请在底线上签名。
 Please write your account number on the back of the check.
请在支票背面写上你的帐号。
 We honored the check as the overdraft was only 5 yuan.
我们承兑这张支票的透支额只有5元。
 Please endorse the cheque.
请背签这张支票。

银行英语口语－取款、结余
Useful Words and Phrases
 to close an account, to clear an account 结清
to draw money 取款
drawing-out slip 取款单
the number slip 号码牌
a withdrawal form 取款单
to fill in the receipt in duplicate 一式两份填这张收据
teller, cashier 出纳员
 Your:
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来支付天津购物的费用。
 I want to withdraw 200 dollars from my deposit account.
我要从我的定期存款中支取200美圆。
 I want to close my account with you.
我想结束在你们这儿的帐户。
 Could you tell me my balance
能否把存款结余金额告诉我？
 Please let me know my balance.
请告诉我结余金额。
 Bank
I think you can draw on this account by cheque in payment of goods.
我以为你可用支票提款支付购物费用。
 Your balance at the bank is 300 yuan.
你在本行的结余是300元。
Your deposit is exhausted.
你的存款支净了。
 Please tell me how you wish to draw your money.

请告诉我你希望怎样支款。
 Fill our a withdrawal form, please.
请填写取款单。
 The letter at Counter 6 will pay you against your number slip.
六号柜台的出纳员将根据你的号码牌付给你钱。　

银行英语口语－兑换货币
Useful Words and Phrases
 currency, money 货币
money changing 兑换货币
an exchange form 兑换单
bank note 钞票
note of large denomination 大票
note of small denomination 小票
small change 零钱
convertible money 可兑换（黄金）纸币

 Bank:
Please tell me how much you want to change.
请告诉我你要换多少。
 How much of the remittance do you want to convert into Japanese yen?
你要把多少汇款换成日圆？
What kind of currency do you want?
要哪种货币？
 What's it you wish to change?
你有什么要换的？
 What kind of currency do you want to change?
要换哪种货币？
In what denominations? How would you like it?
你要什么面额的？
要什么面值的？
 Please tell me what note you want.
请告诉我要什么钞票。
 Will seven tens be all right?
7张10元的可以吗？
 Would you kindly sign the exchange form, giving your name and address?
请在兑换单上签字，写出你的姓名和地址，好吗？
 YOUR
Can you change me some money, please?
能否请你给我兑换一些钱？
 Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders.
这些就是：一些法国法郎，瑞士法郎，美圆和一些荷兰盾。
 Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.
请你给我7张5镑纸币，4张1镑纸币，4张10先令纸币，剩下的要零票。
Would you mind giving me the six pence in coppers?
劳驾给我6便士的铜币。
 I'd like to know if you could change this money back into U.S. dollars for me.
我想知道能否把这笔兑回成美圆。
Could you change these French francs for me?
能给我兑换这些法国法郎吗？
I'd like to convert the full amount of the remittance into U.S. dollars.
我想把全部汇款换成美圆。
 I'd like some coins for this note.
我想把这张纸币换成硬币。
 I'd like to break this 50 dollar note.
我想把这张50美圆纸币换开。
 In fives, please.
请给我5元票面的。
 Could you give me some small notes?
给我一些小票好吗？

银行英语口语－储蓄存款利息
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

YOUR
 What's the interest rate for the savings account?
储蓄存款的利率是多少？
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。
Bank:
 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。
The account carries interest of 4%.
该存款有4%的利息。
The interest rate for the savings account is 4%.
储蓄存款的利率是4%。
 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。

银行英语口语－外汇率
Useful Phrases
buying rate 买进价格
selling rate 卖出价格
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
 Your:
Tell me the current rate for RMB, please. British pound sterling
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。
Your:
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？
 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。

Bank
ou'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。
 These dollars are worth 1,000 yuan.
这些美圆可换1000元。