关于银行常用的英语口语

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银行常用英语词汇及短语

银行常用英语词汇及短语

银行常用英语词汇及短语银行常用英语词汇及短语每个行业都有它的专业术语,银行方面该掌握哪些英语词汇呢,下面跟店铺一起来了解一下银行常用英语词汇及短语吧,欢迎大家阅读。

银行常用英语词汇及短语:a deposit form 存款单a banding machine 自动存取机account number 帐目编号depositor 存户pay-in slip 存款单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。

金融英语:银行常用英语口语精选

金融英语:银行常用英语口语精选

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。

I have a checking account here. 我在这里有一个支票存款帐户。

I think I 'd like a deposit account. 我想要开个定期存款帐户。

Can I open a current account here? 我能否在这儿开个活期存款帐户?I want to open a depositaccount with you. 我要开个储蓄帐户。

I'd like to open a deposit account with you. 我想在你们这儿开个定期存款帐户。

Could you tell me the difference between a savings account and a checking account? 请告诉我储蓄存款与支票存款的区别好吗?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。

银行的一些常用的英语口语模板

银行的一些常用的英语口语模板

银行的一些常用的英语口语模板常见银行英语词汇account number帐目编号desitor存户pay-i n slip存款单a desit form 存款单a banding machine自动存取机to desit 存款desitr**ipt存款收据private desits 私人存款certificateof desit 存单desitbook,pasook 存折creditcard 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 honoracheue 兑付to dishonor a cheue 拒付to suspend payment止付cheue,check支票 cheuebook 支票本 order cheue 记名支票bearer cheue不记名支票crossed cheue 横线支票blank cheue空白支票rubber cheue 空头支票cheue stub,counterfoil 票根cash cheue现金支票treler’s cheue 旅行支票cheuefor transfer转帐支票outstanding cheue 未付支票canceled cheue 已付支票forgedcheue 伪支票Bandar'snote 庄票,银票banker 银行家presiden t行长 sings bank储蓄银行se Bank大通银行National City Bank ofNew York花旗银行Hongkong ShanghaiBankingCo rration 汇丰银行 rtered Bank of India,Australia and China 麦加利银行Banue de I’IndoChine方汇理银行 central bank, nati onal bank, banker’s bank**银行 bank of issue, bank of ulation发行币银行mercialbank 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exngebank汇兑银行reuesting bank 委托开证银行issuing bank, openg bank 开证银行advisingbank,notifying bank 银行negotiation bank 议付银行 confirming bank保兑银行payingbank付款银行associate bankerof collection 代收银行consigned bankerof collection委托银行clearing bank 银行local bank 本地银行domestic bank 国内银行 overseas bank国外银行uncorrated bank钱庄branch bank 银行分行 trustee sings bank 信托储蓄银行 trust pany 信托financial trust 金融信托 ut trust 信托 trust inst**tion 银行的信托部credit department银行的信用部 mercialcredit pany(discount pany)商业信贷(贴现)neiorhood sings bank, bank ofdesit 街道储蓄所 credit uon 合作银行 credit bureau 商业兴信所self-service bank无人银行land bank 土地银行constructionbank建设银行industrial and mercial bank 工商银行bank of mucations 银行mutual sings bank 互助储蓄银行 stoffice sings bank邮局储蓄银行 rtgage bank,building society抵押银行 industrial bank 实业银行home loanbank 家宅银行reservebank 准备银行rtered bank 特许银行corresnding bank 往来银行mernt bank, accepting bank 承兑银行 investment bank 银行 imrt andexrt bank(EXI MBANK) 银行joint venture bank 合资银行ney shop,native bank钱庄credit cooperatives 信用社clearing house 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puterized accounting电脑化会计generalledger 总帐 subsidiary ledger 分户帐 cash book 现金出纳帐cashaccount 现金帐journal,day-book 日记帐,流水帐bad debts 坏帐investment surplus 结余 idle capital 游资 economic cycle经济周期 economic boom 经济繁荣 economic r**ssion经济衰退economicdepression经济萧条economic cris is 经济危机 economic recovery 经济复苏 inflation deflation 通货收缩 devaluation货币贬值revaluation 货币增值 international balance of payment 国际收支fourable balance 顺差adverse balance 逆差hard currency 硬通货 soft currency 软通货 international netary s ystem 国际货币制度the pursingwer of ney 货币购买力ney in ulation 货币流通量note issue纸币发行量national budget 国家预算nationalgross product国民生产总值public bond 公债stock, share debenture债券treasurybillXX券 debt in债务链 direct exnge 直接(对角)套汇 indirect exnge间接()套汇 cross rate, arbitrage rate套汇汇率foreign currency (exnge)reserve外汇储备foreignexnge fluctuation 外汇波动foreign exngecrisis外汇危机discount 贴现discount rate, bankrate贴现率 gold reserve 黄金储备ney(financial)market金融市场stockexnge 交易所broker经纪人mission bookkeeping簿记bookkeeper 簿记员an application form 申请单bank statement对帐单letter ofcredit 信用证 strong room,vault 保险库 euitable tax system 等价税则 specimen signature 签字式样 banking hours,business hours营业时间 1。

银行柜台常用英语口语表达对话带翻译

银行柜台常用英语口语表达对话带翻译

银行柜台常用英语口语表达对话带翻译在银行柜台接待外国友人或者是出国去银行办理业务,都是需要我们学习一些银行柜台常用的英语口语,下面店铺为大家带来银行柜台常用英语口语表达,欢迎大家学习!银行柜台常用英语口语表达1.你想开一个活期存款帐户吗?Do you like to open a current account?2.请告诉我你想存何种户头?Please tell me how you would like to deposit your money.3.你想开哪种帐户?What kind of account did you have in your mind?4.定期还是活期?A deposit or current account?5.支票户头要收服务费,现金户头不收。

There's a service charge for the checking account but no charge for the savings.6.你有多钱要存入呢?How much cash do you plan to deposit in your account?7.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?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?8.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。

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.9.如果想兑支票,请在底线上签名。

银行日常英语之口语

银行日常英语之口语

银行英语口语
(C) ATM’s / Cards ATM机/卡 Card Application申请办卡
If you want to obtain a card here, please fill this application. May I ask your passport please? Please mention your name, address, phone number. You should deposit a minimum of RMB 10.00 to obtain the card The annual cost of our debit card is free. 如果您想申请办卡,请码。 您要开卡最少要存10元人民币。 借记卡是不需要支付年费的。
银行英语口语
(D) Withdrawal / Deposit取/存款 Deposit存款
How much do you want to deposit on your account? On which account do you want to deposit this money? You can use our ATM’s if you want to deposit money on your Bank of ** account. Please could you sign here 请问您要存多少钱? 请问您要存到哪个账号? 如果您要在**银行账号中存款,您可以使用我们的ATM机。 请在这里签名。
我会打电话给我的同事,他会讲英文,能帮您翻译。
请让我帮您拨打我们的客服电话,他们提供双语服务。 请留下您的联系方式,我们同事会与您联系,他会讲英文。
银行英语口语
(A) Basic English基础英语

英语服务基本用语(银行英语口语)

英语服务基本用语(银行英语口语)

英语服务基本用语(银行英语口语)English manualSaying hello 打招呼1.Good morning/afternoon/evening. 早上好!(下午好/晚上好)2.Hello/Hi./Hey. 你好(嗨/嘿。

)3.How are you? 你好吗?4.(I’m)great. Thank you./Thanks. 很好,谢谢!5.(I’m)just fine. 还可以。

6.(I’m)not bad. 还不错。

7.I’m OK. 我很好。

8.I’m doing really well. 我很好。

Saying goodbye 说再见1. Good-bye./Bye./Bye-bye. 再见。

2. Good night. 晚安。

3. See you later/tomorrow. 回头见!/明天见!4. Have a good evening/a nice day. 祝你有一个愉快的夜晚(一天)Introducing yourself 介绍自己1. Hi. My name is Tom. 你好,我叫T om。

2. I’m Tom. 我是T om。

3.It is nice to meet you, Tom. 见到你很高兴,Tom。

Introducing someone 介绍某人1. Tom, this is Helen. Tom,这是Helen。

2. Hi, Tom. It’s nice to meet you. 嗨,Tom!见到你很高兴。

3. Pleased/Good to meet you. 很高兴见到你。

Asking personal information 交换个人信息1. What’s your name,please? 请问你叫什么名字?2. What’s your surname? 你姓什么?3. Where are you from? 你是哪儿的人?4. Can I have your phone number? 能给留个您的电话号码吗?5. How’s everything? 你怎么样?Asking about countries, nationalities, and languages询问国家,国籍和语言1. -Are you from England? 你是英国人吗?-Yes, I am. 是的。

银行英语常用词汇和句子

银行英语常用词汇和句子

银行英语常用词汇和句子下面是店铺整理的银行英语常用词汇和句子词汇,以供大家学习参考。

Useful Words and Phrasesaccount number 帐目编号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,银票银行英语口语-取款、结余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来支付天津购物的费用。

银行常见英语词汇和银行英语口语

银行常见英语词汇和银行英语口语

银行常见英语词汇和银行英语口语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 acheque 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 ShanghaiBankingCorporation 汇丰银行Chartered Bank ofIndia, Australiaand China 麦加利银行Banque deI'IndoChine 东方汇理银行central bank,national bank,banker's bank 中央银行bank of issue, bankof 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 bankerof collection 代收银行consigned bankerof 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unincorporatedbank 钱庄branch bank 银行分行trustee savingsbank 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 银行地信托部credit department 银行地信用部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 andcommercial bank 工商银行bank ofcommunications 交通银行mutual savingsbank 互助储蓄银行post officesavings 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businessaccounting 商业会计cost accounting 成本会计depreciationaccounting 折旧会计computerizedaccounting 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internationalbalance of payment国际收支favourable balance顺差adverse balance 逆差hard currency 硬通货soft currency 软通货internationalmonetary system 国际货币制度the purchasingpower of money 货币购买力money incirculation 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 exchangefluctuation 外汇波动foreign exchangecrisis 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 applicationform 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.我们储蓄存款地最低存款额是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美圆地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.这是你地存折,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.I have a checking account here.我在这里有一个支票存款帐户.I think I'd like a deposit account.我想要开个定期存款帐户.Can I open a current account here?我能否在这儿开个活期存款帐户?I want to open a deposit account with you.我要开个储蓄帐户.I'd like to open a deposit account with you.我想在你们这儿开个定期存款帐户.Could you tell me the difference between a savings account and a checking account?请告诉我储蓄存款与支票存款地区别好吗?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.Will 100 yuan be enough for a minimum deposit?100元作最低存款额够吗?I'd like to know whether a 200 yuan deposit will be enough for opening a checking account.我想知道开一个支票帐户200元存款是否够.Could you tell me how to operate this account?请告诉我如何经管这个帐户好吗?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?Useful Phrasescurrent 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 存款帐户to open an account 开户头银行英语口语-存款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?你希望在你地户头上存多少?How much money do you plan to keep in your account on a regular basis?你计划在你地户头上定期存放多少钱?How much cash do you plan to deposit in your account?你有多少钱要存入呢?I think you may deposit your money with the bank, or leave it here for temporary safe-keeping.我认为你可把钱存入银行,或留在银行暂保管起来.Would you please fill in the depositing form, giving the sumof money you're to deposit as well as your name, address and professional unit?请填张存款单,写明要存地数额以及你地姓名,地址和工作地单位,好吗?I want to deposit 300 yuan in my account.我想在我地户头上存300元.I want to deposit these cheques in my account.我想把这些支票存在我地户头上.I'd like to pay 200 yuan into my deposit account.我想在在我地定期存款户头上存200元.I want to deposit my paycheck.我想存入我地工资支票.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.Will you please cash this traveler's cheque?请兑现这张旅行支票好吗?I'd like to cash this money order.我想兑现这张汇款单.I want to cash the balance of a traveler's letter of credit. 我要把旅行信用证地结余兑现.Will you please tell me whether you charge for cheques?请告诉我兑换支票收手续费吗?Could you tell me how much the checks cost?请告诉我这些支票要花多少钱?What if I overdraw?如果透支了怎么办?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地帐号.We honored the check as the overdraft was only 5 yuan.我们承兑这张支票地透支额只有5元.Please endorse the cheque.请背签这张支票.The traveler's checks cost 1.5% of the total amount of purchase.旅行支票手续费是购买总额地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".这是一本支票簿,你邮寄支票时,注意要在支票上打叉线.但是如果你本人想开张兑现支票,就不可打叉线.Each cheque you write will cost 2 dollars.你每开一张支票将花2美圆.Useful Words and Phrasesaccount number 帐目编号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,银票银行英语口语-取款.结余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来支付天津购物地费用.I want to withdraw 200 dollars from my deposit account.我要从我地定期存款中支取200美圆.I want to close my account with you.我想结束在你们这儿地帐户.I'd like to draw 100 yuan against this letter of credit.我想从这份信用证上提款100元.May I draw money against the letter of credit here?我可以在这儿用这份信用证取钱吗?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.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.你在本行地结余是300元.Your deposit is exhausted.你地存款支净了.Your letter of credit is used up.你地信用证用完了.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 of credit is exhausted.信用证上地款子已提清.The letter at Counter 6 will pay you against your number slip.六号柜台地出纳员将根据你地号码牌付给你钱.Useful Words and Phrasesto 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 出纳员银行英语口语-兑换货币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?你有什么要换地?What kind of currency do you want to change?要换哪种货币?In what denominations?要什么面值地?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元地可以吗?Is it in traveler's cheques?换旅行支票吗?I'd like to know how I shall give it to you.我想知道如何付钱给你.How would you like it?你要什么面额地?Would you kindly sign the exchange form, giving your name and address?请在兑换单上签字,写出你地姓名和地址,好吗?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,剩下地要零票.Would you mind giving me the six pence in coppers?劳驾给我6便士地铜币.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?Can you give me 100 dollars in Swiss francs?能否给我100美圆地瑞士法郎?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.Five twenties and ten singles, please.请给我5张20元和10张一元地.I need 300 dollars in 100-dollar cheques.我要300美圆票面为100美圆地支票.。

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关于银行常用的英语口语银行现在在我们的生活中无处不在,我们需要学习一下,今天小编就大家分享银行英语,谢谢大家学习你为什么不去银行开户存钱呢ASo, Jimmy, how does it feel to have your own money?Jimmy, 自己有钱的感觉怎么样?BIt’s great, dad. I don’t mind delivering papers, but the real fun is collecting the money.太棒了,爸爸。

送报纸倒没有什么,真正的快乐是收钱。

AEven though you are only twelve, it’s not too early to start saving a little money.虽然你才刚刚十二岁,可现在开始攒钱也不算早了。

BI’ve never had a bank account before. Why don’t I just keep my money under the matterss like grandpa does?我还从来没有开过银行账户呢。

为什么我就不能像爷爷那样把钱藏在床垫下呢?AYou know you would spend it. And also, money in the bank earns interest.那样,你就会把钱花掉的。

况且,把钱存在银行还有利息呢。

BBut what if I need my money suddenly?如果我急需用钱,怎么办?AThe bank will give you a PIN, and you can withdraw money from any ATM.银行会给你一个密码,你可以从自动提款机提钱。

BGreat! So it’s almost the same as keeping it under the matters!太好了! 这么说,存在银行和藏在床垫下并没有什么区别!ANot quite. You have to maintain a minimum balance of twenty dollars. And sometimes the bank has service charges. Butyou don’t have to worry about that yet. Let’s go make your first depos不太一样。

你的账户里最少得存二十美元。

有时候,银行还要收服务费。

但你现在还不用担心这些。

我们去存第一笔钱吧!BOK. Guess I have to do that before. I can make money my first withdrawal.好的。

只有先存钱,我才能开始取钱啰。

我想开个新的活期账户Agood morning. How can I help you?早上好,有什么能帮忙的吗?BI'd like to open a new account.我想开个新账户。

Ahave you filled out an application form?您填好申请表了吗?Byes. And I've brought some documents along with me, too. Do you need to see my passport?填好了。

而且,我也带了相关的文件。

你要看我的护照吗?Ayes. I'll just have my assistant look over these quickly and then we'll move on to the next step. Did you want to open up a checking account and a savings account?好的。

我让我的助理迅速浏览一遍这些文件,然后我们就可以进行下一步了。

您是想要开一个活期账户和一个定期储蓄账户吗?Byes. Does the checking account come with a debit card?没错。

活期账户是不是会附带一个借记卡?Ayes. Actually, both accounts come with cards that you can use in ATM machines, so that you won't have to come in to the bank to make a transaction.对。

实际上两个账户都有可以供您在自动取款机上使用的卡。

这样您就不用到银行柜台来办理转账业务了。

Bthat's very convenient.这样很方便。

Ait is. Our customers really like it. Do you have any other questions about your new accounts?的确是。

我们的客户都很喜欢这个服务。

关于新账户您还有其它问题吗?Byes. What's the maximum amount that you are allowed to have in an overdraft?有。

这个账户一次性透支额度的上限是多少?Athe maximum is $1000.最大额度是1000美元。

Bis there a penalty for having an overdraft?超过这个额度有罚金吗?Ayes, but it's not much. You just have to pay 1% interest on the amount. It's much lower rate than any of our loans and it's much better than owing money to most credit cards.有,但是不太多。

您需要支付总额的1%的利息。

这比我们任何的一种贷款业务都要低得多,而且比大多数信用卡透支都要便宜。

Bthat's true. Is everything alright with my documents?您说的没错。

我的文件处理好了吗?Athey're all in order. If you just sign your name here, you'll receive your cards and pin numbers in the mail in about three weeks.都弄好了。

只要您在这里签个名,三周左右就可以收到邮寄给您的卡和密码了。

Bthank you very much.非常感谢。

Ayou're welcome.不用客气。

了解下申请贷款的相关事宜AHello, Sir, may I help you?你好,先生,您需要什么服务?BYes. I would like some information for requesting a loan.我想了解些申请贷款的信息。

AVery well, here are the general terms of our loan policies. We pride ourselves in having the lowest interest rate in the country for personal loans.这是贷款政策的基本条款。

全国范围内我们银行的个人贷款利率是最低的。

BI see. So let me get this straight. If I borrow let’s say, ten thousand dollars, how much will I have to pay each month?我明白。

那我就直说吧,如果我姐1万美元,每个月我应该还多少钱?AIt depends on how long you take to pay it back. If we lend you ten thousand dollars at an annual interest rate of ten percent for forty eight months, you would have to pay each month a portion of the loan which is called the principal and another small portion of the annual interest rate. This of course is considering that you don’t default on a payment!只要取决于你还款的时间。

如果我们以年利率百分之十贷款1万美元给你,为期48个月,你每月必须还一部分叫做基本贷款还有一小部分年利率。

这当然是在不考虑您拖欠还款的请款下计算的。

BIt sounds good but, there is just one problem. I have a terrible credit score.听起来不错,但是还有个问题,我信用评分很差。

AThat is a very serious problem you see,the bank must assess your personal information, past loans, assets and any other relevant information such as your credit score in order to approve your loan.那是个严重的问题,银行必须评估你的个人信息,过去贷款记录,财产和其他相关信息,比如准许你贷款的信用评分。

BYou know what? I don’t really need the money. Thanks anyways!你知道吗?我不真的很急需钱,无论如何,谢谢你。

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