最新整理有关金融的英语口语对话
有关于金融的英语对话阅读
有关于金融的英语对话阅读英语对话课就是给学生们提供一个面对面进行英语交流的机会,培养学生用英语进行口语交际的能力。
店铺整理了有关于金融的英语对话，欢迎阅读!有关于金融的英语对话一A：I would like to exchange Chinese money into German currency please.我想把人民币兑换成德国马克。
B：Certainly. How much will you be exchanging today?可以。
您想换多少钱?A：How about 50,000 RMB. Would that be a problem?五万人民币?可以吗?B：That’s a hefty amount. But that should have no problem at all. You should be aware thatthere is a ten-percent service charge, though.您兑换的钱很多，但是不成问题。
请注意我们要收百分之十的服务费。
A：T en percent! Now that’s hefty! 百分之十，大多了!B：Wait a minute… do you have an account with us?等等，您有我们银行的户头吗?A：Yes I do; here is my account number.有。
这是账户号。
B：For members, there is a small transaction charge, but it’s only 5 dollars per transaction.Any particular denomination?会员的话，业务费会少点，每笔5美元。
还需要其他币种吗?A：3,000 marks in hundreds and the rest in tens and twenty’s, please.要三千一百马克的，其它的要十马克和二十马克的。
最新整理有关于金融的英语口语
有关于金融的英语口语对于英语的学习,口语或许就是大家的难点之一,像金融英语口语的对话就是大家经常问到的问题,因为这些专业性的学习要求是非常高的，下面小编就给大家整理了金融英语，快来学习吧。
英语范文一I w a o T a n a k a ,m a k i n g h i s f i r s t b u s i n e s s t r i p t o t h e U n i t e d S t a t e s ,i s t a l k i n g t o a n A m e r i c a n b a n k e r a b o u t t h e f i n a n c i a l a n d m o n e t a r y s y s t e m o f t h e U.S.田中岩夫第一次因公出差工到美国，他正在与美国的一位银行家谈到美国金融和货币制度。
T a n a k a:W h a t i s m e a n t b y t h e t e r m F e d e r a l R e s e r v e S y s t e m?I s t h a t t h e c e n t r a l b a n k o f t h e U n i t e dS t a t e s?田中：什么是美国联邦储蓄系统?它是美国的中央银行吗?B a n k e r :T e c h n i c a l l y i t i s n o t ,M r.T a n a k a,b u t i t f u n c t i o n s i n t h a t c a p a c i t y .银行家：从法律上讲，它不是，田中先生。
但是它发挥了那样的作用。
T h e F e d e r a l R e s e r v e S y s t e m ,o r t h e F e d a s i t i s u s u a l l y c a l l e d,i s t h e f i s c a l a g e n t o f t h e U n i t e d S t a t e s .美国联邦储备系统即平常称之为联邦的是美国财政机构。
金融方面的面试英语口语
【导语】⾦融内容可概括为货币的发⾏与回笼，存款的吸收与付出，贷款的发放与回收，⾦银、外汇的买卖，有价证券的发⾏与转让，保险、信托、国内、国际的货币结算等。
以下是整理的⾦融⽅⾯的⾯试英语⼝语，欢迎阅读！1.⾦融⽅⾯的⾯试英语⼝语 I: Let start the interview with some questions. Tell me about yourself and your past experience. A: I have 10 years financial industry experience, working for several companies. For the past two years, I have been working in an investment banking. In addition to my analytical mindset, I have a background of solid accounting principles. I am a team player and have great communication and interpersonal skills. I thrive on challenge and work well in high-stress environments. I: What finance experience have you had that qualifies you for this position? A: My background and experience include working on a variety of projects and jobs in the financial industry. Most of my experience has been behind the scenes, doing the calculations. I want to work with clients and continue to grow and be challenged. I: Why did you leave your last position? A: I not finding the work as challenging as I used to. I want to find a job that is stimulating, where I can grow. I: What are your strengths and weaknesses? A: One of my strengths is my ability to be flexible. Ie seen companies go through many changes in structure and management philosophy. Ie had to adjust my style to the new environment several times. As far as weaknesses, I really enjoy my work, and sometimes I put in too much time. But by being aware of my tendency to overwork, I have learned to pace myself more and work less overtime. I: How would your boss describe you and your work style? A: She say I have a lot of initiative, I see the big picture and I do what has to be done. Second, I always meet deadlines. If I say I going to do something, I do it. Lastly, I have the ability to focus on what I working on I am not easily distracted. I: What are your salary expectations? A: I sure whatever you offer will be a fair amount for a person with my qualifications. Salary is not the most important factor to me. I抦 looking for opportunity. I: Do you have any questions? A: Yes, I do. What do you see as the future trends for the industry?2.接待和拜访的英语⼝语 1.Welcome to XXXX Hotel . I'm…， what should I call you, please? 欢迎光临XXX酒店。
金融英语常用口语对话练习
金融英语常用口语对话练习下面店铺为大家带来金融英语常用口语对话练习，欢迎大家阅读!金融英语常用口语对话练习：办理银行账户A：Hello, I'd like to open an account.你好，我想开个帐户。
B：Which account would you like to open?您想开什么样的帐户?A：I'd like to open a savings account. What's the interest rate now?我想开个存款帐户。
现在的利率是多少?B：It is 3.2%. You may earn a little interest on money.是3.2%。
您可以赚一点利息。
A：Is there any minimum deposit for the first time?第一次存款有最低额度限制吗?B：Yes, the opening minimum deposit is 1,000 Yuan.是的，第一次存款的最低额度是1000元。
A：What about the later deposits?那以后的额度呢?B：For the later deposits, you can deposit any you want. Even one Yuan is OK.然后您可以任意存。
存一元也行。
A：OK, that's good.好的。
B：Your ID, please.把您的身份证给我。
A：Here you are, a thousand Yuan and my ID.给你，1000元钱和我的身份证。
B：Wait a moment, please. Here is your bankbook. Keep it well please.请稍等。
这是您的存折。
请好好保存。
A：Thanks. I will.谢谢，我会的。
金融英语常用口语对话练习：申请个人信用卡A：I'd like to apply for a credit card. Can you help me with my application?我想申请一张信用卡。
金融基本业务的英语口语(最新)
【#英语口语# 导语】口语是语言技能中最容易和最基础的部分，比起枯燥的语法和高深的写作技巧，口语其实还是很容易掌握的。
但是，中国传统英语教育只注重笔试，忽视听力和口语，而中国同学也比较内向含蓄，所以口语就成了一个很大的困难。
以下是?无忧考网整理的金融基本业务的英语口语，欢迎阅读！1.金融基本业务的英语口语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。
2.英语口语学习心得1、心态篇这是学习口语的第一个阶段，就是心态要好，要有自信。
口语说得好的人都是“厚脸皮”，因为不怕难堪，不怕犯错。
不开口说给别人听，就永远也别想提高口语水平。
金融英语口语情景对话常见练习
金融英语口语情景对话常见练习学习金融英语，离不开提高英语口语能力，那么一些常用的金融英语口语都有哪些呢?下面店铺为大家带来金融英语口语情景对话，欢迎大家学习!金融英语口语情景对话一D:Hi, Roy. How are your things going?马：嗨，罗伊，近来一切都好吗?R:Fine. Everything is going smoothly.R：好，挺好。
一切进展顺利。
D:This is Miss Harriet Smith, finance manager of A & P Corporation.马：这位是哈里.史密斯先生，A$P公司的财务经理。
This is Mr. Roy Stanford.这位是罗伊.斯坦福先生。
H:How do you do?史：您好!R:How do you do? I work in the international trade and banking division.斯：您好!我在国际贸易与银行业务部任职。
As you know, we're very much involved with many large American corporations dealing withinternational trade.我们参与许多美国大公司的国际贸易事务。
H:Yeah. That's why I come here this afternoon.斯：是啊，这正是我今天下午此行的目的。
R:What we're doing is actively and hopefully developing a relationship with large companiesincluding their subsidiaries or branches to ensure that we can provide all services they need.斯：我们正在积极乐观地与大公司以及它们的子公司或分支机构建立业务联系，以确保我们向他们提供各项服务。
常用的金融英语口语对话带翻译
常用的金融英语口语对话带翻译提高英语口语能力，是学习金融英语的一个重点环节，下面学习啦小编为大家带来常用的金融英语口语对话，欢迎大家学习!常用金融英语口语对话篇一T:We are happy to have Mr. David Long here with us today.教：今天我们很高兴地请到了英国某商业银行的大卫.朗先生。
Mr. Long is from a merchant bank in Britain. He will be talking about the organization of hisbank.朗先生给大家介绍一下他所在银行的组织体系。
L:I feel honoured to be talking with you today. I'd like to begin with your questions.朗：我今天非常荣幸地与大家在一起聚谈聚谈。
我希望同学们现在就提问。
S:Where is your bank located?学：请问贵银行位于什么地方?L:In London, the capital of Britain.朗：伦敦，英国的首都。
S:Could you give us a brief overview of your bank's history?学：您能给我们讲讲贵银行的历史概况吗?L:Yes, of course. We were established as long ago as 1869.朗：当然行啦!我们的银行早在1869年就有了。
Now, it is being operated as one of the major merchant banks in the City.现在它是伦敦几家最重要的商业银行之一了。
S:How is your bank organized?学：请问贵行是如何组成的呢?L:Well, that is really a big question.朗：啊，这可是一个很大的问题呀!S:Let me put it in this way. How many divisions are there in your bank?学：我就这么问吧。
有关金融的英语口语对话（2）
有关金融的英语口语对话(2)有关金融英语口语对话(三)S:The customer then has the right to demand purchase or sale of a specified currency at an agreed exchange rate up to an agreed date,斯：这样客户就可以在与银行的外汇期货合约上规定的任何时间内，拥有以约定的某一汇率要求买或卖的权利。
say, three week's time.比如说，三周后的当天。
Z:But supposing the exchange rate in three week's time is better than the one the customer has agreed on with the bank?张：但假定三周后的汇率要比客户与银行所商定的好，那该怎么办呢?S:In this case, the customer needn't use the option.斯：这时，客户就不需要使用期权。
Z:So, the term 'option' in 'currency option' suggests the choice of the customer to use or not to use. Am I right?张：这样说来，期权这个术语的“权”就意味着，客户可以选择使用或者放弃。
我说得对吗?S:Yes, exactly. In the case of the German company, if the rate between the Deutschmark and the US dollar is worse than the one the company and the bank have agreed on,斯：对极了!在那个德国公司一例中，如果德国马克与美元之间的汇率比公司和银行的合约上约定的汇率差。
有关金融的英语口语对话
有关金融的英语口语对话H:Well, the term International Monetary System actually refers to a series of agreementsamong the major governments and their central banks to bring order and stability to theinternational exchange markets.霍：噢，“国际货币制度这一术语实际上是为了维护国际外汇市场的秩序和稳定，一些影响较大的政府和中央银行之间所签定的一系列协定。
The most important, signed in 1944, is called the Bretton Woods Agreemen最为重要的一个协定是1944年签定的布雷顿森林协Then it established the World Bank and the International Monetary Fund.根据该协定建立了世界银行和国际货币基金组织。
S2:Oh, you mean these agreements regulate international exchange rates?学2:那么,您是说由这些协定来管理国际汇率H:Yes. They did until 1971.霍：是的，直到1971年。
S3:What happened in 1971 to change this?学3：什么原因在1971年改变了这一点呢?H:The surplus of dollars abroad from foreign aid,霍：由于外援而造成国外的美元过剩，capital exports and chronic balance of payments deficits forced the U.S. to formally suspendgold convertibility.资本的输出和长期的国际收支逆差迫使美国正式中止了黄金可兑换性，This brought an end to the old Bretton Woods System.致使旧的布雷顿森林体系宣告结束。
关于金融方面的英语对话
关于金融方面的英语对话随着经济和社会的发展,单一的金融英语课程已经不能满足学习者对于专门用途英语的需要。
如何使金融英语与实际工作和职业相结合,让金融英语发挥更大的作用,这是现在需要迫切考虑的问题。
小编精心收集了关于金融方面的英语对话，供大家欣赏学习!关于金融方面的英语对话1Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me?顾客：你好，先生。
我是日本人。
我的英语不太好，你能帮忙吗?Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do.职员：很高兴为您效劳，但我想您最好告诉我您想要干什么。
Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo.顾客：啊，我想兑换些钱，但不知道怎样填写兑换水单。
我不会看英文。
Clerk: Would you care to give me your passport and write your name on the paper?职员：您能把您的护照给我，并把您的名字写在这张纸上吗?Customer: There you are. My name is Tanaka.顾客：给你护照和姓名，我叫田中。
Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment?职员：好，我现在就为您填写这张兑换水单。
您请在那里坐一会行吗?Customer: I would like to. Thanks.顾客：好的，谢谢。
关于金融相关英语对话短文
关于金融相关英语对话短文在经济全球化进程中，金融英语在经济，金融，外贸，会计，市场营销，银行业和管理等领域的重要性日益突出。
店铺整理了关于金融相关英语对话短文，欢迎阅读!关于金融相关英语对话短文一A：Hello, Mr Kowalski?您好，Kowalski先生?B：I'm here, hello.你好，我听着呢。
A：Which city are you staying in right now? And the name of your hotel?您目前停留在哪个城市?还有您入住的酒店的名称是什么?B：I'm in Beijing, at the Westin Hotel.我现在在北京，入住Westin酒店。
A：Do you have your passport with you? Or do you by any chance know the number?您带着您的护照吗?或者您正巧知道您的护照号码是多少?B：I don't have it to hand，but I know the number. It's 162114699. Can you do anything, like stop the card for example?我没有带在身边，但我知道号码。
号码是162114699。
你们能够做什么吗，比如停用这张卡?A：Let me repeat that back to you, 162114699. That's just what I've done， Mr Kowalski, I've stopped your card temporarily.让我给您重复一遍：162114699。
这正是我刚刚办完的事，Kowalski 先生，我已经暂时停用您的信用卡。
B：But, what do I do if I need cash?但是，如果我需要现金的话，该怎么办哪?A：You can go to any branch of IBJ and request the Emergency Assistance Service. Everything will be taken care of,there's no need to worry.您可以到任何一家IBJ银行的分支机构来，并要求紧急援助服务。
[金融英语对话范文带翻译]英语对话范文
![[金融英语对话范文带翻译]英语对话范文](https://img.taocdn.com/s3/m/d4a62c773d1ec5da50e2524de518964bcf84d29c.png)
[金融英语对话范文带翻译]英语对话范文随着经济全球化、科学技术国际化进程的加快,金融英语教学注意造就有语言沟通实力和实际应用实力的人才显得尤为重要。
我细心收集了金融英语对话范文带翻译，供大家观赏学习!金融英语对话范文带翻译1A：Welcome to IBJ Consumer Credit. What can I assist you with?欢送光临IBJ银行消费信贷部。
我有什么可以帮您的吗?B：My family really needs a car, we live quite far out of the town centre, but unfortunately we cannot afford to pay out such a large sum of money in one go.我们家真的须要一辆车，我们住的地方离市区挺远的，但不幸的是，我们负担不起一下子支出这么一大笔钱。
A：Thats a problem facing many young families nowadays, and we are sympathetic to the problem. Thats why we have just started a new scheme;a Personal Automobile Consumer Loan.此时此刻很多年轻人的家庭都面临着这样的问题，对此我们深有同感。
为此，我们刚刚开展了一个新的业务，就是个人汽车消费贷款。
B：Great, I just hope I qualify! Could you tell me some more? Can I use the money to buy the car from anywhere?太棒了，我真的盼望我够格!你能多给我介绍一些状况吗?我可以用这些钱到任何地方去买车吗?A：What we usually do is find a suitable car dealer for you, who offer the type of car that you need. If its a family car that you want, we have a very reliable dealer already contracted to us.我们通常做的就是为您找到一个适宜的汽车经销商，他为您供应您所须要的那种车。
[金融英语银行业务情景对话]银行开户英语情景对话
![[金融英语银行业务情景对话]银行开户英语情景对话](https://img.taocdn.com/s3/m/647791f25f0e7cd185253649.png)
[金融英语银行业务情景对话]银行开户英语情景对话金融英语银行业务情景对话金融英语银行业务情景对话金融英语银行业务情景对话1：A：Hello, Sir, may I help you 你好，先生，您需要什么服务B：Yes. I would like some information for requesting a loan. 我想了解些申请贷款的信息。
A：Very well, here are the general terms of our loan policies. We pride ourselves in having thelowest interest rate in the country for personal loans. 好的，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。
B：I see. So let me get this straight. If I borrow let’s say, ten thousand dollars, how much will Ihave to pay each month 我明白。
那我就直说吧，如果我借1万美元，每个月我应该还多少钱A：It depends on how long you take to pay it back. If we lend you ten thousand dollars at anannual interest rate of ten percent for forty eight months, you would have to pay each month aportion of the loan which is called the principal and another small portion of the annualinterest rate. This of course is considering that you don’t default on a payment! 主要取决于你还款的时间。
金融英语口语对话：银行业务办理个人转账
【编辑寄语】以下是⽆忧考为⼤家整理的⾦融英语⼝语对话：银⾏业务办理个⼈转账，供⼤家参考！A：Good morning ,welcome to Bank of the USA. How may I help you today? 早晨好，欢迎来到美国银⾏，我能为你做点什么? B：Hi,I need to transfer some money to another account. It’s urgent. 你好，我需要将钱转到另⼀个账号，很紧急。
A：Okay, have you made a wire transfer at our bank before? 好的，你以前在我们银⾏电汇过吗? B：No. I’ve never made a transfer before. 没有，我早先没转过。
A：It’s alright, I will take you through the procedure. Are you transferring funds to a company or an individual account? 好吧，我会指导你如何办⼿续，你是将钱转到另⼀个公司账户还是个⼈账户? B：A company account. I need to pay a bill. 公司账户，我需要付钱。
A：Okay, I’ll need the name of the company and their bank routing number as well as their bank’s address and phone number. 好的，我要知道公司的名字和开户号还有他们的银⾏地址和⼿机号。
B：I have all the information in this folder. ⽂件⾥有所有信息。
A：Well. You’ve come prepared. I have all the necessary materials so we can go ahead and make the transfer right now. It’s a simple transaction, and we can process it today. 看来你已经准备好了，你已经有必须的材料，现在我们就能转账。
金融英语口语对话
金融英语口语对话以下是一段关于金融英语口语对话的示例：A: Hello, I'm interested in investing in the stock market. What do you recommend?B: First of all, you need to understand the basic principles of the stock market. Are you familiar with the terms "bull market" and "bear market"?A: Yes, I know those terms. What else should I know?B: You should also understand the different types of stocks, such as blue-chip stocks, growth stocks, and value stocks. Do you know the difference between them?A: No, I don't. Please explain.B: Blue-chip stocks are large, well-established companies that are considered to be stable and reliable. Growth stocks are companies that have high potential for growth, but are riskier investments. Value stocks are undervalued stocks that are considered to be good bargains.A: I see. What about diversification? Should I diversify my portfolio? B: Absolutely. Diversification is crucial for reducing risk. You should invest in a range of different industries and companies to ensure that your portfolio is not too dependent on any one particular stock.A: OK, I understand. What about the risks involved? Are there any risksinvolved in investing in the stock market?B: Yes, there are risks involved in investing in the stock market. The value of stocks can fluctuate widely, and there is always the possibility of losing some or all of your investment. However, by diversifying your portfolio and investing for the long term, you can reduce these risks.。
金融方面常用英语词汇关于金融方面的英语对话
金融方面常用英语词汇关于金融方面的英语对话随着经济和社会的发展,单一的金融英语课程已经不能满足学习者对于专门用途英语的需要。
如何使金融英语与实际工作和职业相结合,让金融英语发挥更大的作用,这是现在需要迫切考虑的问题。
精心收集了关于金融方面的英语对话，供大家欣赏学习!Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me?顾客：你好，先生。
我是日本人。
我的英语不太好，你能帮忙吗?Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do.职员：很高兴为您效劳，但我想您最好告诉我您想要干什么。
Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo.顾客：啊，我想兑换些钱，但不知道怎样填写兑换水单。
我不会看英文。
Clerk: Would you care to give me your passport and write your name on the paper?职员：您能把您的护照给我，并把您的名字写在这张纸上吗?Customer: There you are. My name is Tanaka.顾客：给你护照和姓名，我叫田中。
Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment?职员：好，我现在就为您填写这张兑换水单。
您请在那里坐一会行吗?Customer: I would like to. Thanks.顾客：好的，谢谢。
金融英语办理银行业务情景对话
金融英语办理银行业务情景对话办理银行业务情景对话1：A：May I help you?先生，请问有什么能帮您的吗?B：I'd like to withdraw some money.我想取一些钱。
A：Please fill in the slip, stating the exact amount you wish to withdraw.请填写一份单据，写上确切的数目。
B：All right. And here's my bankbook. Is that all?好了，这是我的银行存折。
这些就可以了吗?A：Your ID card, please.还需要您的身份证B：Oh, yes. Here it is.哦，是的，给你。
A：Do you want large ones or small ones?你想要大额的还是小面值的?B：Four in hundred, one in ten, please.4张一百的，1张十块的。
A：Wait a minute, please. Here's the cash.请稍等。
现金给您。
B：By the way, I'd like to change some U.S. dollars to pounds and I want to know today'sexchange rate.另外我想用美元换一些英镑，请问今天的汇率是多少?A：Well, sir. According to today's exchange rate, every pound in cash is equivalent to 1.89U.S. dollars. How much would you like to change?先生，根据今天的汇率，1英镑兑换1.89美元。
你想换多少?B：I want 100 pounds. And here are 189 U.S. dollars.我想换100英镑。
金融英语对话
金融英语对话不妨多看看具体语境下的句子，增加在现实生活中的运用，熟能生巧，慢慢的就学会了。
初级金融英语也是如此，只要多在现实生活中加以应用，出口成章自然也是水到渠成的事了。
下面请看两段金融英语对话。
金融英语对话：Conversation 1C：劳驾一下，我在等一笔从美国转来的款，到了吗?Excuse me, I’ve had some money wired here from the united states. Is it in yet?B：请把您的问题解释一下，好吗?Please explain your questions again, ok?C：有人从大通曼哈顿银行给我转来了1 000美元，不知到了没有。
Someone sent 1000 dollars to me from Odori manhattan bank and I want to check if it has arrived.B：请问您叫什么名字?May I have your name , please,C：杰克.伦敦。
前几天，我在贵行开了个户。
Jack London .a few days ago, I opened an account with your bankB：明白了。
请稍等一下，我去查一下……伦敦先生，款已经到了，1000美元，已进入您的账户。
I see. just a moment, let me check、、、Mr. LondonMoney has arrived, 1000 dollars, has entered into your accountC：谢谢您。
Thank youB：不用谢。
您是想取走呢还是留在账上。
that all right, Would you like to take or remain in the billC：想取走，因为我急需钱用。
我得先填张取款单吗?Want to take, because I need money. Should I have to fill out a withdraw slip first .B：我想是的。
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有关金融的英语口语对话学习金融英语，需要我们去突破自己的英语口语能力，下面学习啦小编为大家带来有关金融的英语口语情景对话，欢迎大家学习!有关金融英语口语对话(一)H:T o d a y i t i s a n h o n o u r f o r m e t o b e i n v i t e d h e r e a n d w e w i l l h a v e a f r e e t a l k a b o u t t h e I n t e r n a t i o n a l M o n e t a r y S y s t e m.霍：今天我很荣幸地被邀到这里来谈谈有关国际货币制度.C o u l d y o u a s k s o m e q u e s t i o n s,p l e a s e?请你们来提一些问题好吗?S1:W e h a v e b e e n r e a d i n g a g r e a t d e a l r e c e n t l y a b o u t e x c h a n g e r a t e f l u c t u a t i o n s,学1：最近，我读了大量有关外汇汇率浮动，c l e a n a nd d i r t y f l o a t s a n d s o o n, b u t I a m n o t q u i te s u r e w h a t t h e I n t e r n a t i o n a l M o n e t a r y S y s t e m i s.不受限制的和受限制的汇率浮动等等，但是对于什么是国际货币制度，我还不十分清楚。
H:W e l l, t h e t e r m I n t e r n a t i o n a l M o n e t a r y S y s t e ma c t u a l l y r e f e r s t o a s e r i e s o f a g r e e m e n t s a m o n g t h e m a j o r g o v e r n m e n t s a n d t h e i r c e n t r a lb a n k s t o b r i n g o r d e r a n d s t a b i l i t y t o t h e i n t e r n a t i o n a l e xc h a n g e m a r k e t s.霍：噢，国际货币制度这一术语实际上是为了维护国际外汇市场的秩序和稳定，一些影响较大的政府和中央银行之间所签定的一系列协定。
T h e m o s t i m p o r t a n t,s i g n e d i n1944,i s c a l l e d t h e B r e t t o n W o o d s A g r e e m e n最为重要的一个协定是1944年签定的布雷顿森林协 T h e n i t e s t a b l i s h e d t h e W o r l d B a n k a n d t h eI n t e r n a t i o n a l M o n e t a r y F u n d.根据该协定建立了世界银行和国际货币基金组织。
S2:O h,y o u m e a n t h e s e a g r e e m e n t s r e g u l a t ei n t e r n a t i o n a l e x c h a n g e r a t e s?学2:那么,您是说由这些协定来管理国际汇率H:Y e s.T h e y d i d u n t i l1971.霍：是的，直到1971年。
S3:W h a t h a p p e n e d i n1971t o c h a n g e t h i s?学3：什么原因在1971年改变了这一点呢?H:T h e s u r p l u s o f d o l l a r s a b r o a d f r o m f o r e i g n a i d,霍：由于外援而造成国外的美元过剩，c a p i t a l e x p o r t s a nd c h r o n i c b a l a n ce of p a y m e n t sd e f i c i t s f o r c e d t h e U.S.t o f o r m a l l y s u s p e n d g o l d c o n v e r t i b i l i t y.资本的输出和长期的国际收支逆差迫使美国正式中止了黄金可兑换性，T h i s b r o u g h t a n e n d t o t h e o l d B r e t t o n W o o d s S y s t e m.致使旧的布雷顿森林体系宣告结束。
S4:T h e n, w a s t h e S m i t h s o n i a n A g r e e m e n t s i g n e d?学4：然后签订了史密森协定?H:Y o u a r e r i g h t.I n D e c e m b e r1971.霍：是这样。
在1971年12月签订的。
U n d e r t h i s a g r e e m e n t a n d o t h e r s t h e f i x e d r a t e e x c h a n g e s y s t e m h a s b e e n c h a n g e d t o a f l o a t i n ge x c h a n g e r a t e s y s t e m i n w h i c h t h e v a l u e s of v a r i o u s c u r r e n c i e s f l u c t u a t e t or e s t o r e b a l a n c e-o f-p a y m e n t s e q u i l i b r i u m.在这一协定和其他协定的指导下，固定的外汇汇率制度转变为浮动汇率制度，在这个制度中，以各种货币价值的波动来恢复国际收支差额的平衡。
S4:I s e e.B u t I h a v e a n o t h e r q u e s t i o n.A r ef o r e ig n e x ch a n g e r a t e s f r e e t o c h a n g e a c c o r di n gt o t h e l a w s o f s u p p l y a n d d e m a n d n o w?学4：我明白了，但我还有一个问题。
现在外汇汇率是按照供需规律自由地变化吗?H:N o t q u i t e. I n f a c t, w e n o w h a v e a n o t h e r s y s t e m, a d i r t y f l o a t s y s t e m.霍：也不完全这样。
实际上，我们现在建立了另一个制度，受限制的汇率浮动的制度。
Y o u k n o w t h e r e i s a l o t o f f l e x i b i l i t y i ne x c h a n g e r a t e s i n a c c o r d a n c e w i t h b a l a n c e o fp a y m e n t f a c t o r s,你们知道按照国际收支差额因素，汇率有很大程度的灵活性，c e n t r a l b a n k s s t i l l i n t e r v e n e i n t h e m a r k e t b y b u y i n g o r s e l l i n g l a r g e a m o u n t s o ff o r e ig n c u r r e n c i e s t o p r e v e n t w i d e r a n g i n gf l u c t u a t i o n s.中央银行仍然使用买进或卖出大量外币的办法来防止大幅度的外汇浮动，以此来干预外汇市场。
S5:A c l e a n f l o a t w o u l d b e b e t t e r,w o u l d n t i t?学5：不受限制的汇率浮动更好些，是吗?H:I t h i n k, a c l e a n f l o a t m e a n s t h a t t h e p a r i t y r a t e o f v a r i o u s c u r r e n c i e s w o u l d g o u p o r g o d o w n t o r e s t o r e b a l a n c e-o f-p a y m e n t s e q u i l i b r i u m.霍：我想，不受限制的汇率浮动意味着各种货币的比价能以涨价或跌价来恢复国际收支差额的平衡。
T h e r e f o r e,a c o u n t r y s i n t e r n a t i o n a l t r a d ep o s i t i o n c o u l d b e a f f e c t e d b y a n a p p r e c i a t i o n o f i t s c u r r e n c因此,一个国家的外贸地位因为它的货币的增值而受到影T h a t s w h y i t t a k e s a g r e a t d e a l o f i n t e r n a t i o n a l c o o p e r a t i o n t o m a k e t h e p r e s e n t s y s t e m w o r k.这就是为什么需要大量国际间协作才会使得这个现行制度发挥作用。
S:T h a n k y o u f o r y o u r t a l k.学：谢谢您的报告。
有关金融英语口语对话(二)M r.W a n g:I m a f r a i d,M i s s L i,y o u r e n o t q u i t e a c c u r a t e w h e n y o u c a l l ac o m p u t e r a n e l e c t r o n i c b r a i n.王：李小姐，你把计算机叫做电脑恐怕不太确切。