银行临柜英语

银行临柜英语
临柜英语口语
(供参考)
Part I Dialogues
Dialogue(1)
Greeting A Customer (1)
Clerk: Hello, Miss, what can I do for you?
Customer: Yes, please. Where can I open an account?
Clerk: Just here, I’ll attend to it for you. Customer: Thanks.
向客户打招呼（1）
职员：您好，小姐我能为您做点什么吗？顾客：请问开立账户在哪里办理呢？
职员：就在这儿，我来帮您办理吧。

顾客：多谢。

Dialogue(2)
Greeting A Customer (2)
Clerk: Good morning, Nice to meet you, sir.
Customer: Nice to meet you , too.
Clerk: Is there anything I can do for you ?
Customer: Can I exchange some money here? Clerk: Certainly, please.
向客户打招呼（2）
职员：您好，见到您很高兴。

顾客：见到您我也很高兴。

职员：我能帮您什么忙吗？
顾客：我可以在这里兑换钱吗？
职员：当然可以，请兑换。

Dialogue(3)
Making Inquiries of a Customer (1)
Clerk: Excuse me, but may I ask your name and account number?
Customer: Ah, I forgot to fill in. My name is Sally Thomas. My account number is
78007476.
Clerk: How do you want your money? Customer: Five tens, please.
Clerk: O.K. By the way, do you have a telephone number? It might be easy for us to
contact you.
Customer: It’s 3352496. Thank you.
向客户询问(1 )
职员：对不起，您的姓名和账号是什么？顾客：啊，我忘记填写了。

我叫萨利托马斯。

我的账号是78007476。

职员：这笔钱您要多少面值的现金？
顾客：请给我5张10 元的吧。

职员：可以。

顺便问一下，您的电话是多少？
这样可以方便我们联系。

顾客：我的电话是3352496。

谢谢你。

Dialogue(4)
Making Inquiries of a Customer (2)
Clerk: Good morning, sir. Do you want to change money, don’t you ?
Customer: Yes I do .
Clerk: What kind of currency do you want to change？
Customer: Euro, please.
Clerk: Would you mind if I ask your nationality ?
Customer: French . I’m from France.
Clerk: Here is your money.What’s your passport number?
Customer: It’s 123456.
Clerk: Thank you.
向客户询问（2）
职员：您好，先生。

您要兑换钱，是吗？顾客：是的，我要兑换钱。

职员：您要换哪种货币？
顾客：请给我欧元。

职员：请问您的国籍是哪里？
顾客：法国。

我是法国人。

职员：给您钱。

您的护照号码是多少？顾客：我的护照号码是123456。

职员：谢谢。

Dialogue(5)
Giving Answers to a Customer (1 )
Customer: Excuse me, but can I draw on my account for payment of things I buy in
China?
Clerk: Certainly, sir. How much do you draw ?
Customer: RMB 800, please. Would you please tell me my balance?
Clerk: Yes, sir. Your balance is RMB 3400. Customer: I’m sorry, but may I ask one more question?
Clerk: Of course, please do. What’s it? Customer: What’s t he interest rate for the savings account ?
Clerk: The detailed information is on the board. Please go and see there. Customer: Many thanks.
回答客户问题(1)
顾客：对不起，请问我能不能提取存款偿还我在中国买东西的费用？
职员：当然可以，先生。

您要取多少钱？顾客：请给我人民币800 元。

请把我账上的结余金额告诉我，好吗？
职员：好的，先生。

您账上的余额是人民币3，400 元。

顾客：对不起，我还能问一个问题吗？
职员：当然可以。

请问吧。

什么问题？
顾客：储蓄存款的利率是多少？
职员：详细的情况在那块利率牌上。

请去那里看吧。

顾客：多谢。

Dialogue(6)
Giving Answers to a Customer (2)
Customer: Excuse me, but could you help me? Clerk: With pleasure. What can I do for you ?
Customer: Could you tell me where I can find Mr. Zhang?
Clerk: Sure, miss. Mr. Zhang is upstairs. Customer: Thank you very much.
Clerk: You are welcome.
回答客户问题（2）
顾客：对不起，能帮我一个忙吗？
职员：很高兴为您效劳。

顾客：请告诉我张先生在哪里，好吗？
职员：没问题，小姐。

张先生在楼上。

顾客：非常感谢。

职员：不用客气，小姐。

Dialogue(7)
Making Suggestions or Requests to a Customer (1)
Customer: Hello. I’d like to open an account, but I don’t know what account it should be. Clerk: Do you often deposit money and draw money?
Customer: No, I don’t. I just want to deposit my salary and use this account to pay the
things I buy at department stores once a
month.
Cle rk: So, it’ll be a good idea for you to open a checking account. Do you think so? Customer: All right, if that account will make.
向客户提建议或请求（1）
顾客：您好。

我想开立一个账户，但我不知道要开哪种账户。

职员：您经常存钱和取钱吗？
顾客：不，我不经常存钱和取钱。

我只想把工资存入并且用这个账户来支付每月一次
在百货商场所买的东西的款项。

职员：那么，您还是开立一个支票账户的好。

您认为怎样？
顾客：行，如果支票账户合适的话。

Dialogue(8)
Making Suggestions or Requests to a Customer (2)
Clerk: Would you please fill out this form?
It’s necessary for you to draw money. Customer: By all means.
Clerk: Oh, I’m sorry to trouble you, but could you write the sum in words, not in
figures.
Customer: Yes, I’d love to.
Clerk: You’ve got a wrong word here.
Would you mind correcting it? Customer: Sorry. I will.
Cl erk: Thank you. Here’s your money.
向客户提建议或请求（2）
职员：取款需要填单，请您填写这张单好吗？
顾客：当然可以。

职员：喔，对不起，打扰您了，您可以用文字而不是数字写出金额吗？
顾客：好的。

职员：您写错了一个字。

请您改正一下，行吗？
顾客：真对不起。

我改。

职员：谢谢。

这是您的钱。

Dialogue(9)
Offering Apologies to a Customer
Clerk: Good morning, miss. Can I help you?
Customer: Yes. I’d like to deposit some U.S.
Dollars.
Clerk: All right. How much do you want to deposit?
Customer: And it is U.S.$600. Here you are.
Clerk: Thank you. Your account number and passbook, please.
Customer: I don’t have an account number and a bankbook. I mean I am opening an
account.
Clerk: I’m sorry.
Customer: It doesn’t matter.
Clerk: It’s your bankbook.
Customer: (Looking at his bankbook) Dear sir, you’ve spelt my name wrongly.My name is
w-h-a-t-t-s-o-n, with double “t”, not one “t”. Clerk: Oh, it was my fault.I’m sorry.
向客户道歉
职员：上午好，小姐。

我能帮忙做点什么吗？顾客：是的，我要存一些美元。

职员：好的。

请填写这张存款单。

顾客：填好了，给你。

这是600 美元。

职员：请填写账号，把存折给我。

顾客：我没有账号，没有存折。

我是说我正要开立一个账号。

职员：对不起。

顾客：没关系。

职员：这是您的存折。

顾客：先生，您把我名字写错了。

我的名字是w-h-a-t-t-s-o-n, 两个“t” ，不是一个
“t”。

职员：哦，这是我的过错。

真对不起。

Dialogue(10)
Saying Goodbye to a Customer
Customer: Hello. Excuse me, may I see Mr.
Sun?
Clerk: I’m sorry, Mr. Sun is at a meeting.
Customer: Can I leave a message to him? Clerk: Certainly. What’s it, please? Customer: Please tell him to call this number.
Clerk: Yes, are you from ABC Company?
Customer: Exactly. I want to apply for a loan on behalf of ABC Company. I talked
about it with Mr. Sun last week.
Clerk: Mr. Sun asked me to take care of
this matter.I’ll handle it next week. Customer: Thank you. See you later. Clerk: Goodbye and be sure to come again next week.
向客户道别
顾客：您好。

劳驾，我想见孙先生，行吗？
职员：对不起。

孙先生正在开会。

顾客：我能留个口信给他吗？
职员：当然可以。

是什么口信？
顾客：请你叫他打这电话。

职员：对了，您是ABC公司工作的吧？顾客：正是。

我要代表ABC 公司申请贷款。

我上星期和孙先生谈过此事。

职员：孙先生让我关照此事。

我下周就办。

顾客：谢谢您。

再见！
职员：再见，记住下周再来。

Dialogue(11)
Opening a Account (1)
Clerk: Good morning, madam. May I help you ?
Customer: I want to put some money in the fixed account. What is the interest rate
of the account?
Clerk: The interest of a fixed account varies with the amount and the maturity
period. What amount and for how long
are you thinking of depositing funds? Customer: I’m interested in a twelve month deposit, and I want to deposit
RMB10,000 yuan.
Clerk: In that case, the interest rate is one point nine eight per cent per annum. Customer: All right. Here is the money.
Please check the amount.
Clerk: Thank you. Would you please give me your identity card.
开立储蓄账户（1）
职员：您好！太太。

需要帮忙吗？
顾客：我想存定期。

请问定期储蓄的利率是多少？
职员：定期储蓄的利率是根据存款的金额和存期决定的。

您想存多少钱，存多久？顾客：我想就存一年，存一千元。

职员：这样的话，利率是年利率1.98 %。

顾客：好的。

这是钱。

请点一下。

职员：谢谢。

请给我您的身份证。

Dialogue(12)
Opening a Account (2)
Clerk: Hello. Do you want to open an account?
Customer: Yes, may I open a foreign currency deposit account with your bank? Clerk: Of course. What kind of currency is it?
Customer: It’s US dollars.
Clerk: All right. What term would you like, demand or fixed?
Customer: Fixed is better. I want to open an account for one year. What is the
current interest rate?
Clerk: zero point eight one two five per
cent for one year.
Customer: Can I withdraw money before the due time if I have an urgent need? Clerk: No problem, but the rate will be calculate d at the current deposit rate
instead, only zero point one two five
percent.
Customer: Thank you. Please handle it for me.
开立储蓄账户（2）
职员：您好。

您要开户吗？
顾客：是的，我可以在你行开立一个外币账户吗？
职员：当然可以。

请问是哪种外币？
顾客：美元。

职员：好的。

您要开活期账户还是定期账户？
顾客：定期的吧。

我想存一年。

请问利率是多少？
职员：年利率是0.8125%。

顾客：假如我有急用，我可以在到期前提取吗？
职员：没问题，但是利息会按活期利率计算，只有0.125%。

顾客：谢谢。

请帮我办理。

Dialogue(13)
Handling Withdrawals
Customer: Excuse me. I want to draw US dollars from my account. Here is my
certificate.
Clerk: I’m sorry. The code number doesn’t coincide with the one you gave us
when you opened your account. Customer: I’m terribly sorry. I can’t remember it exactly. Let me see. Is this
number correct?
Clerk: It’s correct now. Do you want to withdraw all money from your account? Customer: Yes.
Clerk: Actually you needn’t cancel your account. You can keep it for further
use, if you leave a small amount, say,
US$10 in your account.
Customer: That’s not necessary. I’m leaving here for a long time and return to
my home country. Thanks, anyway. Clerk: That’s OK. How would you like your money?
Customer: Can I have it all in one-hundred-dollar bills?
Clerk: Of course. It’ll be just a moment.
Here is your money and the interest
you’ve earned. Please check it.
办理取款业务
顾客：劳驾，我想从我的账户里取点美元。

这是我的存折和取款单。

职员：很报谦，密码与你开户时的密码不一致。

顾客：太对不起了。

我记不起来了。

让我想一想。

这个号码对吗？
职员：对了。

你想把账户上的钱全部取出来吗？
顾客：是的。

职员：其实你不必销户的，假如你在账户上留一点钱，比如十美元，你可以保留
该账户以便将来可以使用。

顾客：没有必要了。

我就要离开这里回国了。

谢谢。

职员：好吧，你需要什么票面的？
顾客：一百美元的纸币，行吗？
职员：当然，请稍等。

这是您的钱和利息。

请点一下。

Dialogue(14)
Reporting a Loss
Clerk: May I help you, sir? Customer: Yes, I hope so. I’m sorry, but I’ve lost my savings passbook.
Clerk: Well. Can you tell me how much you deposited ?
Customer: About RMB6,000 yuan. Clerk: All right. Please let me have your name and address, and your savings
account number if you remember it. Customer: I’m John Adams. My address is ...But I can’t recall my account number. Clerk: Don’t worry, Mr. Adams. Let me try to check it for you. One moment,
please. Yes. Mr. Adams. I have your
account number here. The balance is
exactly RMB 6,000 yuan.
Customer: Thank Godness. It is still there.
Thank you very much.
Clerk: It’s my pleasure. Please fill out this lost passbook affidavit and list the
code word you used when you first opened
your account.
挂失
职员：我能帮什么忙吗？
顾客：我希望是的。

很抱歉我丢了存折。

职员：是那样啊。

那么你能告诉我你存了多少钱？
顾客：大约人民币6000元。

职员：好吧。

请告诉我您的姓名、地址和您的账号。

顾客：我叫约翰.亚当斯。

我的地址是......。

但我想不起账号了。

职员：不用着急。

亚当斯先生，让我查一下。

请稍等。

是的，亚当斯先生，我查到了您的
账号。

您账户余额确实是人民币600元。

顾客：谢天谢地。

钱还在。

谢谢。

职员：不用谢。

请填写存折遗失单，然后写明您开户使用的密码。

Dialogue(15)
Closing an account
Clerk: Hello, Mr. Smith, how nice to see you again.
Customer: Hello, Mr. Zhang, How are you?
Clerk: Very well, thanks. What can I do for you today?
Customer: I’ve come to close my account with you for I ‘m leaving China tomorrow. Clerk: Oh, rea lly? I hope you’ve enjoyed your stay in China.
Customer: I certainly have. China is a wonderful place.
Clerk: I’m really glad to hear that. Oh,
I almost forget. Do you want to withdraw
all your money in cash or in checks?
Customer: I’ll buy 300 dollars worth of traveller’s check s and please give the rest
of my deposit in cash.
Clerk: All right, sir. Here you are.
Please count.
Customer: Thanks once again for the help you have given me.
Clerk: It’s pleasure. We hope you’ll visit China again sometime in the future. Customer: I hope so too. Well, goodbye and
I wish you health and success.
Clerk: Thank you. I wish you a pleasant journey.
销户
职员：你好，史密斯先生，再一次见到你真高兴。

顾客：你好，张先生，你好吗？
职员：很好，谢谢，我能帮你什么忙吗？顾客：我是来销户的。

因为我明天就要离开中国了。

职员：噢，是真的吗？我希望您在中国过得愉快！
顾客：当然，中国是一个美妙的地方。

职员：很高兴听到这些。

噢，差点忘记您把所有的钱提出来，要现金还是支票？
顾客：我想买300 美元的旅行支票，其余的要现金。

职员：好的，先生。

给您，请点一下。

顾客：再次感谢您对我的帮助。

职员：乐意效劳。

希望您再来中国。

顾客：我也希望如此。

再见。

祝你身体健康，工作顺利。

职员：谢谢。

祝您旅途愉快！
Dialogue(16)
An inquiry about a Credit Card
Clerk: Good afternoon, Sir. Can I help you?
Customer: Yes. I want to have a Peony Card fro m your bank, but I don’t know what kind
of card is best for me.
Clerk：Well , we have a big Peony Card family, including Peony Credit Card,
Money-Link Card, Peony Debit Card, Peony International Card, Peony
Special Card, etc.
Customer: What is a Money-Link card? Clerk: It is a versatile card that links a lot of businesses together.
Customer: “Versatile?” What does that mean? Clerk: You may either make deposits and withdrawals at any savings office or make
transfers and inquires at any ATM with this card.
Customer: Anything else?
Clerk: With this card, you may also enjoy services like consumption at POS terminals
of all the specially- engaged commercial units, payroll agent service and agent payment for power and gas, etc. Customer: Oh, it’s convenient for me.
Clerk: By the way, it has a matched passbook.
Customer: That’s just what I wanted.
信用卡咨询
职员：下午好，需要帮忙吗？
顾客：是啊。

我想在贵行办一张牡丹卡，但我不知道哪一种卡好。

职员：噢，我行的牡丹卡是个大家族，有牡丹信用卡，灵通卡，牡丹借记卡, 牡
丹国际卡，牡丹专用卡等等。

顾客：什么是灵通卡？
职员：它是一种多用途卡。

顾客：多用途？这是什么意思？
职员：您可以在任何储蓄所存,取款, 在任何一台柜员机上转账，查询。

顾客：还有其它用途吗？
职员：有了这张卡，您还可以享受所有POS机特约商户消费，代发工资，代交
电费，水费等等。

顾客：那太方便了。

职员：顺便提一下，它还有一本对应的存折。

顾客：那正是我想要的。

Dialogue(17)
How to use a Credit Card
Clerk: How do you do?
Customer: How do you do. I’ve opened a
Peony Card recently. Now I want to cash some
money, what can I do with it, please?
Clerk: You can use it to draw money from the ATM, but the withdrawal amount is
limited within RMB￥1,000 each time. You can also use it at the counter to
get much more money, if you want.
Customer: For what amount do you need authorization?
Clerk: For any amount exceeding the line of credit, we’ll have to.
Customer: How about paying my expenses with the card?
Clerk: You d on’t need to get authorization if your expenses are in line with the credit
given by the issuing bank. Customer: Thank you for your assistance. Clerk: You’re welcome.
信用卡的使用
职员：您好！
顾客：您好！我最近才办了一张牡丹信用卡，我想现在就取现，该怎么办。

职员：您可以用卡在自动柜员机上取现，但一次只能取1000元人民币。

如果需要
的话，在柜台上办理就可以取得更多。

顾客：多少金额以上需经过授权？
职员：金额超过信用额度均需经过授权。

顾客：那用卡进行消费呢？
职员：消费额在发卡行授信额度内就不必经过授权。

顾客：谢谢您的帮助。

职员：不客气。

Dialogue(18)
Renting a safe deposit box (1)
Customer: I want to rent a safe deposit box. Would you please tell me where I can do
that ?
Clerk: Please go through the door, then go straight ahead until you come to the end of
the corridor.
Customer: Thanks a lot.
Clerk: Not at all.
Customer: Excuse me, but is this where I can rent a safe deposit box?
Clerk: Yes, sir. Would you please tell me your purpose of renting the box? Customer: I want to put some securities and valuables in it.
Clerk: We have three kinds of boxes here. Which size do you want?
Customer: I’d like the medium-sized.How much do you charge for renting such a box? Clerk: We would charge you 100 yuan a year.
Customer: Well, I’ll rent it.
Clerk: Very well, sir. Would you please show me your identity card and sign your
name here?
Customer: Certainly.
Clerk: Here is your key. Please take good care of it.
Customer: Thank you very much for your help.
租用保管箱(1)
顾客：我想租用保管箱，能告诉我在哪儿办理吗？
职员：进门后一直往前走，在走廊的尽头。

顾客：谢谢。

职员：不客气。

顾客：对不起，租用保管箱是在这儿吗？职员：是的，先生。

请问您租保管箱的目的？
顾客：我想存放一些证券和贵重物品。

职员：我们有三种规格的保管箱，您需要哪一种
顾客：中号的。

租这样的一只保管箱要多少钱？
职员：每年100元人民币。

顾客：行，我租一只。

职员：很好，先生。

请给我看一下您的身份证并在这儿签个名。

顾客：当然。

职员：这是您的钥匙，请保管好。

顾客：非常感谢。

Dialogue(19)
Renting a safe deposit box (2)
Customer: I want to rent a safe deposit box, Could you tell me something about that?
Clerk: Yes, madam. We have three different box sizes which we can rent. The yearly
rental fee depends on the size and location of the box. Most people use the
small size box. It’s ju st right for securities and other valuable papers.
Customer: Do I have the only key to the box? Clerk: It requires your key and the bank’s key to open a box.
Customer: What if I lost my key?
Clerk: I hope you not to lose it if possible. If you lose the key, the only way to open
the box is to drill it open in the presence of two bank officials in addition to
yourself. And we would have to charge you for drilling open the box and
replacing the lock.
Customer: Well, I’d better be careful. Do I pay by the month or the year?
Clerk: Box rental fees are payable yearly
in advance. You may pay for more than one
year at a time if you wish. Customer: Well, Thank you for your explanation. Please show me where to sign the form.
租用保管箱(2)
顾客：我想租一只保管箱，能告诉我一些情况吗？
职员：当然，女士。

我们有三种不同规格的保管箱。

年租费根据箱子的大小和存
放的方位不同而定。

大多数人租用小号的箱子，它比较适宜存放证券及其
它贵重的票据。

顾客：是不是只有我才有这箱子唯一的一把钥匙？
职员：打开箱子时需要您的钥匙和银行的钥匙。

顾客：如果我丢了钥匙怎么办？
职员：我希望您尽可能别丢失，如果您丢了钥匙，打开箱子的唯一办法是当您本
人和两位银行职员的面把箱子钻开。

同时我们还会因为钻开箱子和换锁的
原因向您收费。

顾客：嗯，我最好小心点。

那租金是按月还是按年付？
职员：保管箱租金是按年预付。

您也可以一次付清一年以上的租金。

顾客：好的，谢谢您的解释。

请告诉我在哪儿填表。

Dialogue(20)
Payroll Account Service
Clerk: How do you do, sir. Is there anything I can do for you?
Customer: Oh yes, Madam. I am a staff of E&A Foreign Funded Enterprise. This is my
first time in your bank to get my wages. I’m wondering how I can do it?
Clerk: OK. That’s easy. Please give me your wage-passbook.
Customer: Here you are. Yesterday I was told by the Personnel Management
Department
that I would have to come here for my wage from now on.
Clerk: Yes, Our bank has signed an
agency agreement on a staff Payroll Account
with your company. It means each of your staff has opened a wage account
with us.
Customer: Then what should I do about it? Clerk: Now you needn’t go to the Accounting Department f or your wage on the
pay
day, just have the passbook updated in our bank instead. If you happen to
be
away for business, you don’t have to entrust somebody else to do it. It will be
credited to your account automatically.
Customer: I see. Here I have a card. What should I do with it?
Clerk: The card now in your hand, is a Peony Money-link Card issued by ICBC, a
match for the passbook.
Alternatively,you can use either of them to
make a
deposit or withdrawal against your wage account.
Customer: Thank you for your explanation. Clerk: My pleasure.
代发工资业务
职员：您好，先生。

需要帮忙吗？
顾客：是的，我是E&A外资企业的职工，这是我第一次到贵行领取工资，我不
知道怎么领取。

职员：好的，这很简单，请把您的工资存折给我。

顾客：给您，昨天人事部门通知我从今往后得到这儿来领工资。

职员：是的，贵公司已和我行签订了代发企业职工工资的协议书，也就是说您们
的每一位职工都在我行开立了账户。

顾客：那么我该怎么办？
职员：现在您每月领工资时，无需到公司财务处去，可直接拿存折到银行补打工
资，随用随取。

如果您出差在外，也无需托人代领工资。

工资会自动贷记
您的账户。

顾客：我明白了，我这儿还有一张卡，我
怎么用？
职员：您手上的这张卡是我们中国工商银行发行的灵通卡，它与您的工资存折合
二为一，您既可用工资折来取工资也可以用灵通卡。

顾客：谢谢您的解释。

职员：不客气。

Dialogue(21)
Trust for Collection of Utilities
Customer: Excuse me. I am a customer of your bank.
Clerk: Nice to see you! Can I help you? Customer: Yes, How can I pay my electricity bill from my home?
Clerk: You can pay it through our phone- bank, mobile phone bank or e-bank.
Customer: How about the telephone bill? Clerk: You can pay it in the same way. Customer: How does it work?
Clerk: By phone-bank, you can call this number, 95588, then listen to the instructions.
That’s all.
Customer: That’s good. It saves me a lot of time.
Clerk: Oh, by the way, If you open an current account with us, your passbook can also
be used to pay the utilities expenses, such as water,gas or power bill. They can
be automatically deducted from your account. But you should apply for this
service from our bank first.
Customer: That will be easy. Thank you for your help.
Clerk: You’re welcome.
代收公众事业费
顾客：对不起，我是贵行的一名客户。

职员：很高兴见到您，需要帮忙吗？
顾客：是的，我如何在家里就能付电费？职员：您可以通过我们的电话银行,手机银行或网上银行付费。

顾客：电话费呢？
职员：也一样。

顾客：如何操作呢？
职员：您可以拨95588，然后按指令办即
可。

顾客：太好了。

这样会省我很多时间。

职员：顺便提一下，如果您在我行开立了活期账户，您的存折也可以用来付公众
事业费，如水费，煤气费，电费。

这些费用可以从账户中自动扣缴。

不过
您得先向我行申请这项业务。

顾客：那太方便了。

谢谢您。

职员：不客气。

Dialogue(22)
Commission Insurance
Customer: Do you offer a commission Insurance within your bank?
Clerk：Yes. This is our new business sharing insurance, savings deposit and investment. Customer: How can I benefit from it? Clerk: Besides insurance, you can also get more or less dividend from Insurance
Companies according to their beneficial result of management.
Customer：How much do I need to pay? Clerk: At least 1000 each time and the
insurance period is determined by you. Customer: How about the dividend?
Clerk: The dividend from the Insurance Company will be transferred automatically to
your account at the end of each policy year. Moreover, the longer the period, the
higher the interest, as the interest is calculated at the compound interest rate. Customer: That’s great. Could you tell me where I can buy such an insurance policy?
Clerk: Just here. If you have a current account, the insurance premium is deducted
from it. It’s very convenient for you. Customer: I will think it over. Thank you for your explanation
Clerk: With pleasure. By the way, this is an introduction slip of the new product. You
can find more details in it.
代理保险业务
顾客：贵行开办代理保险业务了吗？
职员：是的。

这是一种集保险，储蓄和投资于一体的新业务。

顾客：我能得到什么好处呢？
职员：除保险外，您还可以从保险公司得到多少不等的红利，但这要看它的经营
效益。

顾客：需要交多少钱呢？
职员：每次至少一千元，保险期限由您决定。

顾客：那红利呢？
职员：保险公司的红利在每个保单年度末自动转到您的账户上。

而且期限越长，
利息越高，因为是按复利计息。

顾客：太好了。

您能告诉我这保单在哪儿买吗？
职员：就在这儿，如果您有活期账户的话，保险费可以通过该账户缴纳，这非常
方便。

顾客：我会考虑的，谢谢您的解释。

职员：不客气。

噢，这是新产品介绍，上面有详细内容。

Dialogue(23)
Service on Bank-Securities Link
Clerk: Good morning, Sir. What can I do for you?
Customer: Good morning. I’m a customer of your bank. I’ve heard recently that your bank
has opened a service called Bank-Securities Link.
Customer: Oh, yes. In fact, it is a deposit account that links to your stock guarantee funds
account in security companies. Clerk: Can you transfer my money here into my funds account through that?
Customer: Yes, It can be done by your deposit passbook, Peony Money Link Card or by
calling 95588.
Clerk: Oh, that’s very convenient. By the way, can I transfer the money in my funds
account back into my deposit account here?
Customer: Of course. That is to say, the funds in your account can be transferred between any savings office in our bank and security company at any time, meanwhile
you can also enjoy services that our bank offers.
Clerk: That’s great. I’ll apply for it as soon as possible.
银证通业务
职员：您好，先生。

需要办什么业务？
顾客：您好。

我是贵行的一名客户。

最近我听说贵行开办了“银证通”业务
职员：噢，是的。

它实际上是一个存款账户，与您在证券公司的股票保证金账户
相连。

顾客：“银证通”能把我存在您行的钱转到我的资金账户上吗？
职员：是的。

用存折，灵通卡或打95588电话都行。

顾客：嗯，真方便。

顺便问一下，它能否把我资金账户上的钱转到我的银行存款
账户上呢？
职员：当然可以。

也就是说，您账户上的资金可以在我行的任何一个储蓄所与证
券公司之间随时划转，同时您还可以享受我行的各种服务。

顾客：这太好了。

我得尽快办一个。

Dialogue(24)
E-bank Service
Customer: Excuse me, Can you help me? Clerk: Sure, What can I help you? Customer: I want to know something about your e-banking service, can you explain it to
me?
Clerk: Oh, yes. I should tell you first that our e-banking website has recently been
awarded as one of the World’s ten top banking websites by Bankers .
Customer: Really? Congratulations. How can I enjoy your e-banking services?
Clerk: If you have a personal computer connected to our e-banking through internet,
you can have the personal or company banking services from our banking, and
make payment on internet.
Customer: But I wonder if it is safe to do that.
Clerk: Don’t worry about that. If you enter the net, you are requested to input your
password, you and the parties involved will be confirmed by the Electronic
Certificate Authority.Meanwhile, all information input should be encrypted
and identified.
Customer: I see. Then what services do you offer?
Clerk: You can read the balance of your account and the result of the transactions, get
information about interest rates, kinds of deposit, quotations of foreign
exchange set by the bank, sell or buy foreign exchange or securities etc.
Customer: It sounds interesting. I may do my personal finance whenever I want .
Clerk: Yes, E-bank offers 24-hour service. It is very convenient for the customers.
Customer: Thank you for your explanation. Clerk: You are welcome.
网上银行服务
顾客：对不起, 能帮个忙吗?
职员：当然, 您要办什么业务?
顾客：我想了解一下您们的网上银行, 能谈谈吗?
职员：嗯, 好的。

首先我得告诉您我行的网站被《银行家》杂志评为全球十佳银
行网站。

顾客：是吗？祝贺您们。

我怎样才能享受您们的网上银行服务？
职员：如果您有一台电脑，可以通过英特网和我行网上银行相连，您就可以享受
个人或公司理财以及网上支付等服务。

顾客：但我想这安全吗？
职员：别担心，一旦您进入网络，您要输入密码，您和交易各方的身份要通过电
子认证中心验证，同时交易信息在网上传送时均经加密处理。

顾客：我明白了，那么您们提供哪些服务？职员：您可以查询账户余额，交易结果，获取银行提供的利息表，存款种类和外
汇牌价，进行外汇或者证券买卖等等。

顾客：有意思。

我就能随时进行个人理财了。

职员：是的，网上银行提供24小时全天候服务，对客户来说很方便。

顾客：谢谢您的解释。

职员：不用谢。

Dialogue(25)
The Service Center of Personal Finance
Arrangement
Clerk: Good afternoon, Madam. Welcome to Industrial and Commercial Bank of
China Zhejiang Branch Hangzhou Business Department.
Customer: Good afternoon. I’m Peggy Mary from America, one o f your bank’s customers
in a foreign-funded firm. I’ve got some personal savings deposited in your
bank. I think I need another plan to arrange them well except for a savings
account, so I ‘d like to have some information about your service.
Clerk: Yes, indeed. Let me show you around the service center of personal finance
arrangement, telling you the services available to the customers now. Customer: Thank you very much.
Clerk: Well, here you can see, this service
center has designed for three different
departments of a VIP room, a reception house and a business management
office to meet the different requirements of the customers.
Customer: Oh, yes, the conditions and environment here seem to be so attractive. But what
can I do when I need your service? Clerk: You can have once-through personal banking servic e from any one of the clerks
here.
Customer: That’s wonderful.
Clerk: I’m sure the well-organized arrangements for assistance with your personal
finance will be quite attractable to a customer like you.
Customer: Well, how can I have this service then?
Clerk: Any customer of our bank, with a deposit not less RMB￥300,000 or equivalent
in other foreign currencies, can win the membership and have a VIP card from
the center.
Customer: I’ve been deeply impressed by your。