银行基本业务英语口语参考word

银行基本业务英语口语
Unit1 Daily reception 日常接待
Useful Words and Phrases 常用词汇与短语
head office 总行
branch 分行
sub-branch 支行
savings office 储蓄所
banking service manager 大堂经理
Practical Sentences and Patterns 实用句型
Hello.
您好。

Good morning. What can I do for you?
早上好，我可以为您做些什么吗?
Pardon?
能再说一遍吗？
Would you mind repeating your question, please?
请重复一遍您的问题好吗？
No problem. I’ll do it for you right away.
没问题，我马上为您办理。

Please go to counter No.1. It’s over there.
请到一号柜台办理，在那边。

Please wait a minute.
请稍等。

Would you mind showing me your passport?
请把您的护照给我。

Could you please fill in this form and sign your name here?
请填写这份表格并签上您的名字。

Please use Arabic numbers.
请用阿拉伯数字填写。

Please fill in your address and phone number here.
请您在此处填写地址和电话号码。

Please enter your code number.
请输入您的密码。

We are open for business from 8:30 a.m. to 4:30 p.m. with no break at noon.我们的营业时间是上午8点半至下午4点半，中午不休息。

We are open for business all week including Saturday and Sunday.
我门星期六、星期日照常营业。

Thank you so much.
谢谢。

With pleasure.
不客气。

Hope to see you again.
欢迎您再次光临。

Dialogue 对话
One
Clerk: Good morning, madam.
Customer: Good morning.
Clerk: May I help you?
Customer: Yes, I want to change some money.
Clerk: This way, please.
Customer: Thank you.
Clerk: You're welcome.
Two
Clerk: Good afternoon, Mr. Anderson.
Customer: Good afternoon, Miss Li.
Clerk: How nice to see you again!
Customer: Nice to see you, too.
Clerk: It's been a long time, hasn't it? How are you? Customer: Fine, thank you. And you?
Clerk: Very well too, is there anything I can do for you? Customer: Yes. Could you guide me to where I can change money? Clerk: Sure, Mr. Anderson, please come along with me. Customer: Thank you.
Clerk: My pleasure.
Unit2 Opening an account 开立账户
Useful Words and Phrases 常用词汇与短语
current deposit, current account 活期存款
fixed deposit, fixed account 定期存款
fixed deposit by installments 零存整取
Practical Sentences and Patterns 实用句型
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?
Our minimum deposit for a
current account is 1 yuan.
我们活期存款的最低存款额是人民币1元。

Here is your passbook. 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。

Can I open a current account here?
我能否在这儿开个活期存款帐户？
I should like to open a current account.
我想开一个活期存款帐户。

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

Is there any minimum for the first deposit?
第一次储蓄有最低限额吗？
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。

Dialogues 对话
One
Clerk: May I help you, sir?
Customer: Yes, please. I'd like to open a bank account with you. Can you give me some information?
Clerk: Yes, I'd be very happy to help you. Usually we offer current accounts and fixed accounts for individuals.
Customer: Oh, it's almost the same in America.
Clerk: What kind of account did you have in mind
Customer: Well, I'd prefer to open a current account.
Two
Customer: Could you tell me something about current accounts?
Clerk: I'd love to. You may open an account in your name. Then you can make deposits or withdrawals at anytime with presenting your passbook.
Customer: Is there any minimum balance?
Clerk: Yes, one yuan is the minimum balance.
Customer: I see. There is one more thing I'd like to know, that is, do I earn interest on the account?
Clerk: Yes, of course, we pay the interest rate permitted for banks. Every quarter we credit the earned interest into your account automatically.
Customer: I see. Thank you. By the way, when does the bank close?
Clerk: It closes at 4:30 p.m.
Customer: Thank you very much for the information.
Clerk: You are welcome.
Unit3 Handling deposits and withdrawals 办理存取款
Useful Words and Phrases 常用词汇与短语
certificate of deposit 存单
deposit book, passbook 存折
account number 账号
slip 存取款凭条
to deposit 存款
deposit receipt 存款收据
to draw money 取款
drawing-out slip 取款单
to close an account, to clear an account 结清
teller, cashier 出纳员
interest rate 利率
simple interest 单利
compound interest 复利
legal interest 法定利息
Practical Sentences and Patterns 实用句型
How much do you want to deposit with us?
你想在我们这存多少？
How much money do you plan to keep in your account on a regular basis?
你计划在你的账户上定期存放多少钱？
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。

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账户上存200元。

Interest is paid at the rate of 0.72% per annum at present.
目前年利率是0.72%。

It varies from time to time.
（利率）每个时期都不同。

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 interest is added to your account every year.
每年的利息都加到你的存款中。

What's the interest rate for the current account?
活期存款的利率是多少？
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。

Please tell me how you wish to draw your money.
请告诉我你希望怎样支款。

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。

I want to withdraw 200 yuan from my current account.
我要从我的活期存款中支取200元。

Could you tell me my balance?
能否把存款结余金额告诉我？
I want to close my account with you.
我想结束在你们这儿的帐户。

Dialogue 对话
One
Customer: Hello! I’d like to deposit some foreign currency.
Clerk: which currency do you have?
Customer: US dollars.
Clerk: How much do you want to deposit?
Customer: 1000 US dollars.
Clerk: Time deposit or demand deposit?
Customer: Time one.
Clerk: How long are you going to deposit your money?
Customer: One year.
Clerk: That’s okay. I’ll do that for you now.
Two
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 8,000 please. Would you please tell me my balance?
Clerk: Yes, sir. Your balance is RMB 34,000.
Customer: I am sorry, but may I ask one more question?
Clerk: Of course, please do. What is it?
Customer: What is the interest rate for the current account?
Clerk: The detailed information is on the board. Please go and see it. Customer: Many thanks.
Clerk: My pleasure.
Unit4 Money exchange 货币兑换
Useful Words and Phrases 常用词汇与短语
currency, money 货币
convertible money 可兑换纸币
an exchange form 兑换单
foreign exchange 外汇
foreign exchange quotations 外汇行情
foreign exchange restriction 外汇限额
SAFE (The State Administration of Foreign Exchange) 国家外汇管理局
to check the rate 查牌价
exchange rate 外汇率
buying rate 买进价格
selling rate 卖出价格
bank note 钞票
note of large denomination 大票
note of small denomination 小票
small change 零钱
Practical Sentences and Patterns 实用句型
What kind of currency do you want to change?
请问您想要换哪种货币？
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 Chinese yuan?
你要把多少汇款换成人民币？
If you'll wait a moment, I'll find out the rates of exchange.
请等一会儿，我查一下兑换率。

The buying rate of U.S. dollar notes is 699 yuan per hundred dollars.
美元现钞买入价是100美元付699元人民币。

In what denominations?
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, and write down your name as well as address? 请在兑换单上签字，写出你的姓名和地址，好吗？
Could you change these dollars for me?
能给我兑换这些美元吗？
I'd like to convert the full amount of the remittance into Renminbi.
我想把全部汇款换成人民币。

What's the exchange rate today?
今天的兑换率是多少？
Please tell me what you would give me for my U.S. dollars.
请告诉我这些美元可以兑换多少钱。

I'd like some coins for this note.
我想把这张纸币换成硬币。

Could you give me some small notes?
给我一些小票好吗？
Dialogue 对话
One
Customer: Excuse me. Do you exchange foreign currency here?
Clerk: Yes, we do.
Customer: I want to convert 1000 US dollars into Chinese yuan.
Clerk: This is an exchange memo. Please fill in the amount you intend to change along with your name, nationality, passport number and address.
Customer: What’s the exchange rate for the dollars?
Clerk: Today’s rate for cash purchase is RMB 699 yuan for US $ 100 banknote. Do you have your passport with you?
Customer: Yes. Here you are. How much RMB will I get?
Clerk: Let me see. US $ 1000 makes RMB 6990 yuan. You’ll receive the money in a moment.
Customer: No hurry.
Clerk: Here is the cash and the exchange memo. Please check it.
Two
Clerk: What can I do for you?
Customer: Yes. I’d like to get some US dollars. What’s today’s rate of US dollars against Chinese yuan?
Clerk: It’s RMB 701 yuan per hundred US dollars. How much would you like to change?
Customer: 200 US dollars total.
Clerk: Please fill out the exchange form.
Customer: All right.
Clerk: Would you mind showing me your passport?
Customer: Here it is.
Clerk: Please wait a moment. I’ll do it for you as soon as possible.
Unit5 Using an ATM 如何使用自动柜员机
Useful Words and Phrases 常用词汇与短语
ATM (automatic teller machine) 自动柜员机
insert the bankcard 插入银行卡
slot 卡槽
PIN (personal identification number) 个人密码
amending password 修改密码
transferring money 转账
making inquiry 查询
arrow 箭头
screen 荧光屏、屏幕
the available services 能够提供的服务
CASH WITHDRAWL 提取现金
ENTER 输入、确定
Dialogue 对话
One
Customer: Excuse me, would you tell me how to use this ATM?
Clerk: With pleasure. First, you should check whether the ATM is at work. Customer: Next step?
Clerk: And then you should insert your card as shown on the screen.
Customer: Do you mean to put the card into the slot of the machine?
Clerk: You’re right. Then a screen message will ask you to enter your personal identification number (PIN) on the keyboard. After that, press the “ENTER”button. Be sure to remember your PIN correctly and press the right buttons.
Customer: I do remember.
Clerk: After you enter your PIN, you will be asked which service you need, e.g. amending password, withdrawing money, transferring money, making inquiry. Press the button corresponding to the service required. And you may follow the arrows at the edge of the screen.
Customer: I see. Thank you very much.
Clerk: Finally, don’t forget to take out your card.
Two
Clerk: What can I do for you?
Customer: Excuse me, how can I get the money from the ATM?
Clerk: At first, insert your bankcard and enter your PIN. Then you press the “ENTER”button.
Customer: Then I will get the money from the ATM?
Clerk: You see, the screen shows the available services. One of them is “CASH WITHDRAWL”.
Customer: I see. I can press the “CASH WITHDRAWL” button if I want to get cash from my account.
Clerk: That’s right. After you press the “CASH WITHDRAWL”button, the screen will show the sentence “How much money do you want?”Then you have to enter the amount and press the “ENTER” button again. Then you will get the money.
Customer: Thank you, I get it.
Clerk: You’re welcome.
Unit6 Confiscating counterfeit note 没收假币
Useful Words and Phrases 常用词汇与短语
counterfeit note 假钞
regulation 规定
be confiscated 没收
issue a receipt 开收据
confiscation receipt 没收收据
check 核对
Dialogue 对话
Customer: I’d like to deposit RMB5000 yuan in my account.
Clerk: Please give me your money and the passbook.
Customer: All right. Here you are.
Clerk: Oh, we find there is a counterfeit note.
Customer: Really? I don’t remember where I get it. Please return it to me. Clerk: Well, according to the regulation, a counterfeit note should be confiscated. Customer: Then I’ll lose a note of RMB100 yuan.
Clerk: It’s the only way we can do, but we’ll issue you a receipt that shows the note you presented to us has been proved counterfeit and has been confiscated by our bank.
Customer: I see. And I’ll give you another note of RMB100 yuan.
Clerk: Here is your passbook and the confiscation receipt for you. Please check it. Customer: It’s all right. I am sorry to trouble you.
Clerk: That’s all right.
（注：可编辑下载，若有不当之处，请指正，谢谢!）。