银行业务常用英语词汇以及对话

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 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 Citibank 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 营业时间银行英语口语－新开帐户？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。

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.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。

I should like to open a current 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。