(金融保险)、银行英语口语
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。
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。
(金融保险)银行业术语英文
（金融保险）银行业术语英文Bankstatement银行对账单Currentdeposit活期存款Telegraphictransfer电汇DiscountRate贴现率Open-EndFund开放式基金中国招商银行ChinaMerchantsBank信用卡CreditCard浮动汇率FloatingRate利率InterestRate货币政策MonetaryPolicy现代管理学之父：彼得·德鲁克菲利普斯曲线表示：失业率和通货膨胀之间的关系CIF的风险转移点：货过船舷双因素理论的创始人：赫茨伯格提高存款准备金率将：提高贴现率将：货币供给量减少，利率提高赫兹伯格的保健因素（判断对错）面对金融危机，我国采取的措施以及银行业采取的措施？第壹部分中国的银行业business商号，企业，X公司savings储蓄monetarypolicy货币政策repository仓库liquidfunds流动资金channel引入，注入impulse推动力，刺激macroeconomicmanagement宏观经济管理inresponseto随……specializedbank专业银行DecisiononFinancialReform关于金融改革的决定comprehensivepackageofmeasures壹揽子综合措施inflationarypressure通货膨胀压力signsofoverheating市场过热现象structuralmeasure结构上的措施exchangerate汇率currentaccountconvertibility经常项目可自由兑换性inter-bankmoneymarket银行间货币市场segregation拆分policybank政策性银行infrastructuralproject基础设施项目joint-equity合资softlanding软着陆retailpriceindex零售物价指数subdue征服sustainablerate可持续增长的比率negativeimpact消极影响capitalinflow资本流入officialforeignexchangereserve官方外汇储备resilience反弹aggregatefinancing融资总量full-fledged成熟的LawofthePeople’sBankofChina《中华人民共和国中国人民银行法》issuecurrency发行货币circulation流通fiscalagent财政代理fiscaldeficit财政赤字soundfinancialorder良好的金融秩序overhaul大修，取代，裁撤indirectpolicyinstrument间接政策手段creditceiling贷款额度reserveratio准备金率fixedassets固定资产commercialbank商业银行WorldTradeOrganization世界贸易组织profit-drivenentities盈利实体internationallycompatible和国际接轨的appropriatedisclosurestandards适当的披露标准listing股票上市，股票挂牌intermediaryservices中间业务internationalsettlement国际结算coststructure成本结构regulatorystandards调节标准，调节规范economictransition经济转型magnitude规模riskmanagement风险管理prudentialmanagement审慎管理riskmonitoringandwarningsystem风险监控和警戒系统proceeds收益capitaladequacyratio资本充足率loanapproval贷款核准loanrelease贷款发放insolvent无偿付能力，破产liquidationprocedures清算程序fit-and-propertest称职测试assetmanagementcompany资产管理X公司non-performingloans不良贷款resourceallocation资源配置enforceabilityofbankclaims银行债权的追讨ownershipstructure所有制结构corporategovernance法人治理incentivestructure激励机制openmarkettransactions公开市场业务fine-tuning微调modesoftransaction交易方式settlementandclearingsystem清算系统rediscountbusiness（票据的）再贴现业务requiredreservesystem法定准备金制度accountingperiod会计年度intermediaterate中间利率interestrateliberalization利率自由化banklendingrates银行贷款利率depositrates存款利率retaildepositinterestrate小额存款利率share-holdingbanks股份制银行controllingshare控股股份capitalreplenishmentsystem资本金补充制度informationdisclosure信息披露creditcooperatives信用合作社nationaltreatment国民待遇accountingsystem会计制度ratingagency信用评级机构第二部分银行监管misappropriation盗用operatingprocedures操作程序discretion判断力accountingentry会计分录creditor债权人mobilize动员distribute分发，分配publicgood公共利益accord协议liquiditydrain流动性丧失depositinsurancefund存款保险基金inasafeandsoundmanner安然无恙的bankruns银行运行thefund’sloss基金损失promptintervention迅速干涉remedialmeasure补救措施responsiveto对……敏感thrust推力monopoly垄断anti-competitivepractices反对竞争的行为bankcapitalrequirements银行资本金要求dividendlimitations股息限制impair削弱regulatoryauthorities监管当局accountingprinciple会计准则independentaudit独立审计financialposition财务状况counter-partyrisk交易对手风险orderlyexit有序退出problembank问题银行systemicprotection系统保护operationalindependence独立运行solventinstitution有偿付能力的机构cognation同族distortion变形，曲解，失真marketsignal市场信号charteringbanks特许银行pre-filingstage提出申请阶段applicationstage申请阶段organizingstage组织阶段premise（企业、机构等使用的）房屋；院内的土地；房产proformafinancialstatement预测财务报表projection预测market-entryticket进入市场的凭证statute法令，条例incompliancewith遵守expertise专家的意见，专门的技术theBasleCommittee巴塞尔委员会endorsement背书，签注，认可venture冒险，投机，风险integrity诚信standing信誉名望beconsistentwith和……壹致deploy展开cross-checking相互校验，反复核对dualcontrolofassets资产的双重控制doublesignatures双重签名trackrecord记录deemedtobedetrimentalto被认为对……有害financialprojection财务预测start-upcosts启动成本initialcapitalamount启动资本数量corporateparent母X公司theBasleMinimumStandards巴塞尔最低标准aconsolidatedbasis统壹（合且）的基础benotifiedof通报indirectinvestment间接投资inrespectof关于acquisition兼且awidearrayof大量的perspective观点potential潜在的creditrisk信贷风险on-andoff-balancesheet表内和表外项目writeoff勾销，注销（债款）；报废suspend暂停repricingrisk重定价风险yieldcurve收益率曲线optionality可选择性，随意portfolio资产组合deregulate解除管制insolvency无力偿仍，破产unethical不道德的，缺乏职业道德的besusceptibleto易受影响的complywith符合，遵守financialdistress财务困难directorate董事会，管理局prudentialrules审慎规则imprudent轻率的，鲁莽的supplant排挤掉，代替dynamic动态的assetconcentration资产集中loanclassificationsystem贷款分类系统adequacyofloanlossreserves足够的贷款损失储备riskmanagement风险管理internalcontrol内部控制equitycapital股本权益revenue收入capitaladequacyratios资本充足率riskprofile风险组合assetquality资产质量inatimelyfashion及时地，适时地corecapital核心资本tieronecapital壹级资本retainearning留存收益surplus盈余supplementarycapital补充资金revaluationreserves重估储备金hiddenreserves秘密准备金subordinatedterm从属条款riskweight风险权重undercapitalized资本金不足merger合且volatilityofprice价格不稳定correlationassumption相关性假设non-linearpricecharacteristics非线性价格特性plusfactor正因素independentriskcontrolunit独立风险控制部门risk-sensitive风险敏感的one-size-fits-allframework壹成不变的框架ratingsbased以评级为基础的defaultoftheborrower借贷者不履行仍款责任commensuratewith和……相称的highlyleveraged高举债运营的provisions备用金baddebt呆账，坏账loan借款advance预付款extensionofcredits信贷延期obligor债务人collateral担保品capitalinjection资本（金）注入liquidationproceedings清算诉讼liens抵押留置权refinancingplans再融资计划salvagevalue残余价值contingentliabilities或有债务haveanadversebearingon对……有不利影响overdueloans过期贷款doubtfulloans可疑贷款overdraft透支assetsportfolio投资组合资产liquidityratio流动比率liquiditysqueeze流动资金紧张cushion偿债安全余量，缓冲mismatch未扎平的，不相配的auditfunction审计职能on-sitesurveillance非现场监管intheshortormediumterm从中短期来见annualreports年报undertheauspicesof在……的赞助下secondarymarket二级市场equity股本leverageratios杠杆率volatilemarkets剧烈变动的市场loanlossprovisions贷款损失准备金lossreserves损失准备金examiner-in-charge检查组组长internalaudit内部审计contingencyfunding应急开支准备金compliance合规性compositerating综合评定lendingpolicies贷款制度totalloanvolume贷款总额loancovenants贷款契约boardofdirectors董事会buy-outs买断loanappraisal贷款评估outstandingloans未偿贷款financialhealth财务正常incomestatement损益表financialpositionandprospects财务现状和前景cashflow现金流量benchmark基准assetsqualityrating资产质量评级servicetheloan偿仍贷款unassistedmerger有偿合且depositinsurancefund存款保险基金indemnifying保障补偿putoption出售期权revamp改组；补修，翻新；修订，改进market-orientedfinancialsystem市场导向的金融体制operationalindependence自主运营corporationaffiliationX公司联营机构第三部分中国的外汇体制foreignexchange外汇foreigncurrency外币accelerate加快conditionalcurrentaccountconvertability有条件的经常项目可兑换managedfloatingexchangerate有管理的浮动汇率InternationalMonetaryFund(IMF)国际货币基金组织promulgate颁布non-residentbanks外国银行balanceofpayments国际支付paymentvoucher支付凭证bankcertificateofdeposit银行存款单circulation流通foreignexchangesurrenderbusiness外汇止付业务debtserviceaccounts壹般结算账户revoke撤销referencerate参考利率foreign-fundedenterprises外资企业ceiling最高限额retain留存advise通知lift解除exportproceeds出口收入verify查证，核验enter记入，登记receipts收入callmoney活期贷款fraudofforeignexchange骗汇designatedforeignexchangebanks指定办理外汇的银行capitalaccounttransactions资本账户下的交易第四部分会计Ⅰ财务会计communicate传达；告知；交流financialstatement财务报表monetary货币的warrant为……提供充足的根据outlet销售点，销路sound健康的，合理的bookkeeping记账，簿记transactions交易virtually实质上applyto适用于day-to-day日常的evaluate评价，评估correctiveaction矫正的行为merchandise用于买卖的货物，商品inventory库存，存货creditors债权人venture(为盈利而进行冒险的)企业；短期投资，商业冒险monitor监控analyze分析keepupwith跟上WallStreetJournal华尔街日报BusinessWeekly商业周刊（杂志）Forbes福布斯（杂志）Fortune财富（杂志）projection预测，估计；规划项目disclose透露，披露authorities当局incometax所得税nonprofitorganizations非盈利性组织profit-oriented利润导向的budgets预算payrolls工资单recession(经济衰退)standardofliving生活水平auditing审计inaccordancewith符合，按照complywith遵守，符合taxreturns纳税申报单managementconsulting管理咨询costaccounting成本会计成本会计是成本管理系统中的壹个子系统。
银行英语情景口语：代理保险
银行英语情景口语：代理保险关于代理保险业务相关表达该如何说会更好更准确呢？以下是小编给大家整理的关于代理保险业务银行英语情景口语.希望可以帮到大家Dialogue 1对话一A: Hello, Sir. What can I do for you today?您好，先生。
我今天能为您做些什么吗?B: I need to find a new way of getting my insurance.我需要找一种新的买保险的方式。
A: We've just started a new business at this bank,Bank-Insurance Link.我们银行刚刚开始了一项新的业务，叫做"银保通"。
B: Could you give me some more details about that?你能给我一些更详细的介绍吗?A: Certainly. It could really benefit someone like you. Besides insurance for you, you can also get more or less dividends from the insurance company.当然可以。
它可以真正让像您一样的人受益。
除了保险之外，您还可以从保险公司或多或少地得到一些分红。
B: That sounds great. More dividends if I want to purchase them!这听起来好极了。
如果我以后想购买这些保险的话，还可以拿到更多的红利!A: There are two different types that we are offering at the moment, Dividend Deposit and Dividend Participated Deposit.我们目前提供有两种不同的类型，红利存款和分红派息存款。
金融英语口语词汇的中英对照(精选3篇)
金融英语口语词汇的中英对照（精选3篇）（经典版）编制人：__________________审核人：__________________审批人：__________________编制单位：__________________编制时间：____年____月____日序言下载提示：该文档是本店铺精心编制而成的，希望大家下载后，能够帮助大家解决实际问题。
文档下载后可定制修改，请根据实际需要进行调整和使用，谢谢!并且，本店铺为大家提供各种类型的经典范文，如总结报告、合同协议、规章制度、条据文书、策划方案、心得体会、演讲致辞、教学资料、作文大全、其他范文等等，想了解不同范文格式和写法，敬请关注!Download tips: This document is carefully compiled by this editor. I hope that after you download it, it can help you solve practical problems. The document can be customized and modified after downloading, please adjust and use it according to actual needs, thank you!Moreover, our store provides various types of classic sample essays, such as summary reports, contract agreements, rules and regulations, doctrinal documents, planning plans, insights, speeches, teaching materials, complete essays, and other sample essays. If you want to learn about different sample formats and writing methods, please pay attention!金融英语口语词汇的中英对照（精选3篇）想要拥有一口流利的英语口语，首先要讲究方法，进而提升自己的口语交流能力。
关于保险的金融英语口语
【导语】⼝语交际能⼒的培养，课堂教学是主渠道，但这还不够。
语⾔具有交际性，只有在实践过程中，语⾔的魄⼒才能体现出来。
以下是整理的关于保险的⾦融英语⼝语，欢迎阅读！1.关于保险的⾦融英语⼝语 1.he is a holder of an insurance policy. 他是保险单持有⼈. 2.How long is the period from the commencement to termination of insurance? 保险责任起⽌期限是多长? 3.Insurance companies insured ships and their cargoes against loss at sea. 保险公司为船舶和船货承保了海损险. 4.Mr.rodman is the most heavily insured man in the world, carrying $4,000,000 insurance on his life. 罗德曼先⽣是世界上投保最多的⼈,为⾃⼰投了4,000.000 美元的⼈寿险. 5.One kind of insurance policy is the one that covers a named person. 有⼀种保险单是记名保险单. 6.what cover will you take out? 你们准备投保那些险别? 7.what do your insurance clauses cover? 你们的保险条款规定了那些险种?2.练好英语⼝语的要点 1、学习⽬的和意义。
⼀般⽽⾔，在职⼈员学习英语主要是为了更好的运⽤它。
我们通过英语的学习可以看懂简单的⽂件或者⽂章，⽐如电⼦邮件、英⽂软件、⼴告单、说明书等等。
也许，我们⼀开始并不是很理解，慢慢的我们能懂得很多了。
2、掌握基本的词汇量。
不管你英语学习⽬的如何，词汇量还是需要的。
很多时候，⼈们觉得背诵词汇有些枯燥和乏味。
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 s ay, 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。
金融行业英语口语表达
金融行业英语口语表达在当今世界经济日趋全球化的环境下，金融行业的交流和沟通成为非常重要的一环。
对于金融从业人员来说，熟练掌握金融英语口语表达，不仅能够提高沟通的效率和质量，更能够突显自身的专业能力和竞争力。
本文针对金融行业英语口语表达进行了总结和归纳。
一、交易类1. 合同：（1）劳动合同：labor contract（2）销售合同：sales contract（3）政府合同：government contract（4）保密协议：secrecy agreement2. 股票（1）股票市场：stock market（2）股票交易：stock trade（3）股票价格：stock price（4）股票指数：stock index（5）股票投资：stock investment3. 期货（1）期货交易：futures trading（2）期货市场：futures market（3）期货合约：futures contract （4）期货价格：futures price（5）期货保证金：futures margin二、银行类1. 银行账户（1）储蓄账户：savings account （2）支票账户：checking account （3）存款账户：deposit account （4）借记卡账户：debit card account （5）信用卡账户：credit card account 2. 贷款类（1）住房贷款：mortgage loan（2）汽车贷款：car loan（3）个人贷款：personal loan（4）商业贷款：business loan（5）抵押贷款：secured loan3. 银行产品（1）定期存款：time deposit（2）货币市场账户：money market account （3）保险：insurance（4）外汇：foreign exchange（5）信用卡：credit card三、保险类1. 保险类型（1）健康保险：health insurance（2）人寿保险：life insurance（3）财产险：property insurance（4）车险：car insurance（5）商业保险：business insurance2. 保险条款（1）投保人：policyholder （2）被保险人：insured（3）受益人：beneficiary （4）保险金额：policy amount （5）保险费：premium四、投资类1. 投资产品（1）股票：stocks（2）债券：bonds（3）基金：funds（4）期货：futures（5）商品：commodities2. 投资策略（1）多头买入：long position （2）空头卖出：short position （3）止损：stop loss（4）加仓：add to position（5）减仓：reduce position以上只是金融行业英语口语表达的冰山一角，金融行业的专业术语和行业概念非常丰富，需要根据具体情况进行学习和掌握。
银行英语口语对话金融英语口语对话
银行英语口语对话金融英语口语对话银行英语口语对话银行英语口语对话银行英语情景对话(1)：A:Hi,Mike,long time no see.I am glad to meet you here,How are you B:Fine,thanks.What are you doing here A:I want to open an account in the bank. What about you B:I’d like to deposit some money in my account. Oh ,It’s my turn, waiting for a moment. A:Ok. C:What can I do for you, sir B: I“d like to deposit 5,000 RMB yuan in my account. 我想在我的账户上存5,000元人民币。
C:Please give me your money with the passbook. 请把您的钱和存折递过来B:All right. Here you are. 好，给您C:Oh,we find it is a counterfeit note. 噢，我们发现这是一张假钞。
B:ReallyI don“t remember where I got it from.Please return it to me. 是真的吗我记不起是从哪儿得来的。
请退还给我吧。
C:Well,according to the regulation, a counterfeit note should be confiscated. 嗯，根据规定，假钞须没收。
B:Then I"ll loss a note of 100 RMB yuan. 那我就要损失100元人民币。
C:It"s the only way we could do, but we’ll issue a receipt to you that shows the note you presented to us has been proved counterfeit and has been confiscated by our bank. 我们只能这样做，但我们将开一张收据给您，证明您交给我们的那张纸币是假币，被我行没收。
2020年(金融保险)金融银行词汇
（金融保险）金融银行词汇English Terms中文翻译详情解释/例子Accelerated Depreciation 加快折旧任何基于会计或税务原因促使一项资产在较早期以较大金额折旧的折旧原则Accident and Health Benefits 意外与健康福利为员工提供有关疾病、意外受伤或意外死亡的福利。
这些福利包括支付医院及医疗开支以及有关时期的收入。
Accounts Receivable (AR) 应收账款客户应付的金额。
拥有应收账款指公司已经出售产品或服务但仍未收取款项Accretive Acquisition 具增值作用的收购项目能提高进行收购公司每股盈利的收购项目Acid Test 酸性测试比率一项严谨的测试，用以衡量一家公司是否拥有足够的短期资产，在无需出售库存的情况下解决其短期负债。
计算方法：(现金+ 应收账款+短期投资)‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾流动负债Act of God Bond 天灾债券保险公司发行的债券，旨在将债券的本金及利息与天然灾害造成的公司损失联系起来Active Bond Crowd 活跃债券投资者在纽约股票交易所内买卖活跃的定息证券Active Income 活动收入来自提供服务所得的收入，包括工资、薪酬、奖金、佣金，以及来自实际参与业务的收入Active Investing 积极投资包含持续买卖行为的投资策略。
主动投资者买入投资，并密切注意其走势，以期把握盈利机会Active Management 积极管理寻求投资回报高于既定基准的投资策略Activity Based Budgeting 以活动为基础的预算案一种制定预算的方法，过程为列举机构内每个部门所有牵涉成本的活动，并确立各种活动之间的关系，然后根据此资料决定对各项活动投入的资源Activity Based Management 以活动为基础的管理利用以活动为基础的成本计算制度改善一家公司的运营Activity Ratio 活动比率一项用以衡量一家公司将其资产负债表内账项转为现金或营业额的能力的会计比率Actual Return 实际回报一名投资者的实际收益或损失，可用以下公式表示：预期回报加上公司特殊消息及总体经济消息Actuary 精算保险公司的专业人员，负责评估申请人及其医疗纪录，以预测申请人的寿命Acquisition 收购一家公司收购另一家公司的多数股权Acquisition Premium 收购溢价收购一家公司的实际成本与该公司收购前估值之间的差额Affiliated Companies 联营公司一家公司拥有另一家公司少数权益（低于50%）的情况，或指两家公司之间存在某些关联Affiliated Person 关联人士能影响一家企业活动的人士，包括董事、行政人员及股东等After Hours Trading 收盘后交易主要大型交易所正常交易时间以外进行的买卖交易After Tax Operating Income - ATOI 税后营运收入一家公司除税后的总营运收入。
(金融保险)常见银行英语词汇(各种银行术语和句子全面介绍)
常见银行英语词汇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 BankingCorporation 汇丰银行Chartered Bank ofIndia, Australia and China麦加利银行Banque de I'IndoChine东方汇理银行central bank, nationalbank, 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, notifyingbank 通知银行negotiation bank 议付银行confirming bank 保兑银行paying bank 付款银行associate banker ofcollection 代收银行consigned banker ofcollection 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 exportbank (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 powerof 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, businesshours 营业时间银行英语口语－新开帐户What kind of account did youhave in your mind?你想开哪种帐户?Do you like to open acurrent 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 wouldlike to deposit your money.请告诉我你想存何种户头?There's a service charge forthe checking account butno charge for the savings.支票户头要收服务费，现金户头不收。
金融英语口语：个人理财第一步 办理银行账户
金融英语口语：个人理财第一步办理银行账户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%。
您能够赚一点利息。
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.然后您能够任意存。
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。
金融英语口语之银行日常用语(精选)
金融英语口语之银行日常用语（精选）1.金融英语口语之银行日常用语篇一Mary Smith's boy-friend ,Tom Brown ,is a clerk at the First National Bank .He and Mary are talking about the different types of banks and bank services .No ,there are different types of banks ,Mary .They're the banks that offer a full range of checking and savings-account services and make all kinds of loans .Well,what other kinds of banks are there?The second large category is called the Savings and Loan Association or the Building and Loan Association .Some people call them Savings Banks,but they are technically not banks .2.金融英语口语之银行日常用语篇二They specialize in long-term savings accounts and usually lend money for mortgages. What about mutual Savings Banks?What does that mean?Those are special savings association ,like savings and loan associations,which are owned by the depositors instead of stockholders .Usually they specialize in mortgages ,too.Why don't they offer checking accounts like your bank does ?They are organized for different purposes and they don't have the authority to offer checking accouts.What's a long-term or industrial bank?That's a special bank for industrial development .John Anderson and Betty Rogers continue their discussion about the operation and organization of her bank .3.金融英语口语之银行日常用语篇三Who is the highest officer of the bank ?That's Mr.Sunderland ,our president .He is responsible to the Board of Directors. Which is elected by the stockholders.He is assisted by the senior vice-presidents. vice-presidents and assistant vice-presidents .How many vice-presidents do you have ?There are quite a few .Usually each department is headed by a vice-president or an assistant cashier .That's the lowest -ranking officer position in most banks.Aren't all department managers officers?No,not all of them are .Actually ,the word officer means a person authorized by the Board of directors to represent the bank in certain dealings .It doesn't necessarily represent his function in a department .For example ,my boss is not a bank officer ,he is chief teller .4.金融英语口语之银行日常用语篇四If we were an officer ,his title would be assistant-cashier and chief-teller.That sounds very confusing .Why don't banks just make all department managers officers?It's part of the bank's system of assigning authority and responsibility .After all,banks have special obligations to their depositors because we are handling their money ,not only our own.That's right.And I am a depositor ,too.I've got $37.50 in my account.What do you mean by the term on-line system?This permits us to process transactions right away .5.金融英语口语之银行日常用语篇五Do you mean that deposits and withdrawals are posted to my account immediately ? Yes,we process cash transactions as soon as they take place .Check deposits are credited ,subject to collection .You mean that I can't draw against a deposit by check until the proceeds are collected from the bank on which the check is drawn?Yes,that's right .But it only takes overnight for any bank in the city and just a day or two for banks outside the city .Yes,savings ,checking ,loan and installment credit accounts ,too.Oh ,that's why we must use magnetically encoded checks and deposit slips .。
2020年(金融保险)常见银行英语词汇(各种银行术语和句子全面介绍)
（金融保险）常见银行英语词汇(各种银行术语和句子全面介绍)常见银行英语词汇accountnumber帐号depositor存户pay-inslip存款单adepositform存款单abandingmachine自动存取机todeposit存款depositreceipt存款收据privatedeposits私人存款certificateofdeposit存单depositbook,passbook存折creditcard信用卡principal本金overdraft,overdraw透支tocountersign双签toendorse背书endorser背书人tocash兑现tohonoracheque兑付todishonoracheque拒付tosuspendpayment止付cheque,check支票chequebook支票本ordercheque记名支票bearercheque不记名支票crossedcheque横线支票blankcheque空白支票rubbercheque空头支票chequestub,counterfoil票根cashcheque现金支票traveler'scheque旅行支票chequefortransfer转帐支票outstandingcheque未付支票canceledcheque已付支票forgedcheque伪支票Bandar'snote庄票，银票banker银行家president行长savingsbank储蓄银行ChaseBank大通银行Citibank花旗银行HongkongShanghaiBankingCorporation汇丰银行CharteredBankofIndia,AustraliaandChina麦加利银行BanquedeI'IndoChine东方汇理银行centralbank,nationalbank,banker'sbank中央银行bankofissue,bankofcirculation发行币银行commercialbank商业银行，储蓄信贷银行memberbank,creditbank储蓄信贷银行discountbank贴现银行exchangebank汇兑银行requestingbank委托开证银行issuingbank,openingbank 开证银行advisingbank,notifying bank通知银行negotiationbank议付银行confirmingbank保兑银行payingbank付款银行associatebankerof collection代收银行consignedbankerof collection委托银行clearingbank清算银行localbank本地银行domesticbank国内银行overseasbank国外银行unincorporatedbank钱庄branchbank银行分行trusteesavingsbank信托储蓄银行trustcompany信托X公司financialtrust金融信托X公司unittrust信托投资X公司trustinstitution银行的信托部creditdepartment银行的信用部Commercialcreditcompany(discountcompany)商业信贷X公司（贴现X公司）neighborhoodsavingsbank,bankofdeposit街道储蓄所creditunion合作银行creditbureau商业兴信所self-servicebank无人银行landbank土地银行constructionbank建设银行industrialandcommercialbank工商银行bankofcommunications交通银行mutualsavingsbank互助储蓄银行postofficesavingsbank邮局储蓄银行mortgagebank,buildingsociety抵押银行industrialbank实业银行homeloanbank家宅贷款银行reservebank准备银行charteredbank特许银行correspondingbank往来银行merchantbank,acceptingbank承兑银行investmentbank投资银行importandexportbank(EXIMBANK)进出口银行jointventurebank合资银行moneyshop,nativebank 钱庄 creditcooperatives 信用社 clearinghouse 票据交换所 publicaccounting 公共会计businessaccounting 商业会计 costaccounting 成本会计depreciationaccounting 折旧会计computerizedaccounting 电脑化会计 generalledger 总帐 subsidiaryledger 分户帐 cashbook 现金出纳帐 cashaccount 现金帐journal,day-book 日记帐，流水帐baddebts 坏帐 investment 投资 surplus 结余 idlecapital 游资economiccycle 经济周期 economicboom 经济繁荣economicrecession 经济衰退economicdepression 经济萧条economiccrisis 经济危机 economicrecovery 经济复苏 inflation 通货膨胀 deflation 通货收缩 devaluation 货币贬值 revaluation 货币增值 internationalbalanceof payment 国际收支 favourablebalance 顺差 adversebalance 逆差hardcurrency 硬通货 softcurrency 软通货 internationalmonetarysyst em国际货币制度 thepurchasingpower ofmoney 货币购买力 moneyincirculation货币流通量noteissue 纸币发行量 nationalbudget 国家预算nationalgrossproduct国民生产总值publicbond 公债 stock,share 股票 debenture 债券 treasurybill 国库券 debtchain 债务链 directexchange 直接（对角套汇indirectexchange 间接三角套汇crossrate,arbitragerate 套汇汇率 foreigncurrency (exchange)reserve 外汇储备foreignexchangefluctua tion外汇波动foreignexchangecrisis外汇危机discount贴现discountrate,bankrate贴现率goldreserve黄金储备money(financial)market金融市场stockexchange股票交易所broker经纪人commission佣金bookkeeping簿记bookkeeper簿记员anapplicationform申请单bankstatement对帐单letterofcredit信用证strongroom,vault保险库equitabletaxsystem等价税则specimensignature签字式样bankinghours,business hours营业时间银行英语口语－新开帐户Whatkindofaccountdidyouhaveinyourmind?你想开哪种帐户?Doyouliketoopenacurrentaccount?你想开壹个活期存款帐户吗? Adepositorcurrentaccount?定期仍是活期?Pleasetellmehowyouwouldl iketodeposityourmoney.请告诉我你想存何种户头?There'saservicechargefor thecheckingaccountbut nochargeforthesavings.支票户头要收服务费，现金户头不收。
金融英语口语的常用对话
【导语】⾦融英语考试⽬标是为国家培养精通现代国际⾦融业务，⼜能运⽤英语进⾏银⾏业务操作及管理的中⾼级复合型⼈才。
以下是整理的⾦融英语⼝语的常⽤对话，欢迎阅读！1.⾦融英语⼝语的常⽤对话 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! Dealing Division and the last one, Leasing Division. Now, let me explain them one by one. 证券交易部以及最后⼀个租赁部。
金融专业英语词汇大全1金融英语
金融专业英语词汇大全1金融英语1. banker's bank 中央银行2. banker's guarantee 银行担保3. bank's buying rate 银行买入价4. bank's selling rate 银行卖出价5. banks with business dealing with the center中央银行的往来银行6. Barclay card 巴克莱银行信用卡7. base rate 基本汇价8. basis order 基差订单9. basis risk 基差风险10. bear market 熊市11. bear operation 卖空行为12. bear raiders 大量抛空者13. beneficial owner 受益所有人14. beneficiary of insurance 保险金受益人15. best-efforts offering 尽力推销（代销）发行16. bid and ask prices 买入和卖出价17. bid and ask spread 买卖差价18. bid price = buying price 买价19. bid-ask spread 递盘虚盘差价20. big board 大行情牌21. big slump 大衰退（暴跌）22. bill-paying services 代付帐款23. black market 黑市24. black market financing 黑市筹资25. black money 黑钱26. blanket mortgage 总括抵押27. block positioner 大宗头寸商28. blowout 畅销29. blue-chip stocks 蓝筹股30. board of arbitration 仲裁委员会31. board of governors 理事会32. bond fund 债券基金33. borrowing from affiliates 向联营公司借款34. borrowing power of securities 证券贷款能力35. borrowing risks 借款风险36. bought deal 包销37. bread and butter business 基本业务38. breadth index 宽度指数39. break-even 不亏不盈，收支相抵40. breakout 突破41. bridging finance 过渡性融资42. broker 经纪人，掮客43. brokerage 经纪人佣金44. brokerage 经纪业；付给经纪人的佣金45. brokerage firm 经纪商（号）46. broker's loan 经纪人贷款47. broking house 经纪人事务所48. building agreement 具有约束力的协定49. building tax （tax on construction）建筑税50. bullish 行情看涨51. business insurance 企业保险52. business risk 营业风险53. business savings 企业储蓄54. business tax 营业税55. business term loan 企业长期贷款56. bust-up risks 破产风险57. buyer's risks 买方风险58. call (option) 买方期权，看涨期权59. call and put options 买入期权和卖出期权60. call for funds 控股、集资61. call loan transaction 短期拆放往来62. call market 活期存款市场63. call money 拆放款64. call options on an equity 权益（证券）的买入期权65. call-options 认购期权66. cancellation 取消67. cancellation money 解约金68. cap 带利率上限的期权69. capital assets 资本资产70. capital lease 资本租赁71. capital market 信贷市场、资本市场72. capital resources 资本来源73. capital surplus 资本盈余74. capital transfer 资本转移75. capital turnover rate 资本周转率76. card issuing institution 发卡单位77. carefully selected applicant 经仔细选定的申请人78. cargo insurance 货物保险79. cash 现金，现款v.兑现，付现款80. cash a cheque 支票兑现81. cash account 现金帐户82. cash advance 差旅预支款83. cash against bill of lading 凭提单付现84. cash against documents（C.A.D.）凭单付现，凭单据付现金=document against cash85. cash and carry 付现自运；现金交易和运输自理；现购自运商店86. cash and carry wholesale 付现自运批发87. cash assets 现金资产88. cash audit 现金审核89. cash audit 现金审核，现金审计90. cash balance 现金余额，现款结存91. cash basis 现金制92. cash basis 现金制，现金基础93. cash basis accounting 现金收付会计制94. cash before delivery（C.B.D.）空货前付款，付款后交货，付现款交货95. cash bonus 现金红利96. cash book 现金簿；现金帐；现金出纳帐97. cash boy 送款员98. cash budget 现金预算END。
(金融保险类)金融英文词汇
一、资产类 Assets流动资产 Current assets货币资金 Cash and cash equivalents1001现金 Cash1002 银行存款 Cash in bank1009 其他货币资金 Other cash and cash equivalents'100901 外埠存款 Other city Cash in bank'100902 银行本票 Cashier's cheque'100903 银行汇票 Bank draft'100904 信用卡 Credit card'100905 信用证保证金 L/C Guarantee deposits'100906 存出投资款 Refundable deposits1101 短期投资 Short-term investments'110101 股票 Short-term investments - stock'110102 债券 Short-term investments - corporate bonds'110103 基金 Short-term investments - corporate funds'110110 其他 Short-term investments - other1102 短期投资跌价准备 Short-term investments falling price reserves应收款 Account receivable1111 应收票据 Note receivable银行承兑汇票 Bank acceptance商业承兑汇票 Trade acceptance1121 应收股利 Dividend receivable1122 应收利息 Interest receivable1131 应收账款 Account receivable1133 其他应收款 Other notes receivable1141 坏账准备 Bad debt reserves1151 预付账款 Advance money1161 应收补贴款 Cover deficit by state subsidies of receivable库存资产 Inventories1201 物资采购 Supplies purchasing1211 原材料 Raw materials1221 包装物 Wrappage1231 低值易耗品 Low-value consumption goods1232 材料成本差异 Materials cost variance1241 自制半成品 Semi-Finished goods1243 库存商品 Finished goods1244 商品进销差价 Differences between purchasing and selling price 1251 委托加工物资 Work in process - outsourced1261 委托代销商品 Trust to and sell the goods on a commission basis 1271 受托代销商品 Commissioned and sell the goods on a commission basis 1281 存货跌价准备 Inventory falling price reserves1291 分期收款发出商品 Collect money and send out the goods by stages 1301 待摊费用 Deferred and prepaid expenses长期投资 Long-term investment1401 长期股权投资 Long-term investment on stocks'140101 股票投资 Investment on stocks'140102 其他股权投资 Other investment on stocks1402 长期债权投资 Long-term investment on bonds'140201 债券投资 Investment on bonds'140202 其他债权投资 Other investment on bonds1421 长期投资减值准备 Long-term investments depreciation reserves股权投资减值准备 Stock rights investment depreciation reserves债权投资减值准备 Bcreditor's rights investment depreciation reserves1431 委托贷款 Entrust loans'143101 本金 Principal'143102 利息 Interest'143103 减值准备 Depreciation reserves1501 固定资产 Fixed assets房屋 Building建筑物 Structure机器设备 Machinery equipment运输设备 Transportation facilities工具器具 Instruments and implement1502 累计折旧 Accumulated depreciation1505 固定资产减值准备 Fixed assets depreciation reserves房屋、建筑物减值准备 Building/structure depreciation reserves机器设备减值准备 Machinery equipment depreciation reserves1601 工程物资 Project goods and material'160101 专用材料 Special-purpose material'160102 专用设备 Special-purpose equipment'160103 预付大型设备款 Prepayments for equipment'160104 为生产准备的工具及器具 Preparative instruments and implement for fabricate 1603 在建工程 Construction-in-process安装工程 Erection works在安装设备 Erecting equipment-in-process技术改造工程 Technical innovation project大修理工程 General overhaul project1605 在建工程减值准备 Construction-in-process depreciation reserves1701 固定资产清理 Liquidation of fixed assets1801 无形资产 Intangible assets专利权 Patents非专利技术 Non-Patents商标权 Trademarks, Trade names著作权 Copyrights土地使用权 Tenure商誉 Goodwill1805 无形资产减值准备 Intangible Assets depreciation reserves专利权减值准备 Patent rights depreciation reserves商标权减值准备 trademark rights depreciation reserves1815 未确认融资费用 Unacknowledged financial charges待处理财产损溢 Wait deal assets loss or income1901 长期待摊费用 Long-term deferred and prepaid expenses1911 待处理财产损溢 Wait deal assets loss or income191101待处理流动资产损溢 Wait deal intangible assets loss or income 191102待处理固定资产损溢 Wait deal fixed assets loss or income二、负债类 Liability短期负债 Current liability2101 短期借款 Short-term borrowing2111 应付票据 Notes payable银行承兑汇票 Bank acceptance商业承兑汇票 Trade acceptance2121 应付账款 Account payable2131 预收账款 Deposit received2141 代销商品款 Proxy sale goods revenue2151 应付工资 Accrued wages2153 应付福利费 Accrued welfarism2161 应付股利 Dividends payable2171 应交税金 Tax payable'217101 应交增值税 value added tax payable'21710101 进项税额 Withholdings on VAT'21710102 已交税金 Paying tax'21710103 转出未交增值税 Unpaid VAT changeover'21710104 减免税款 Tax deduction'21710105 销项税额 Substituted money on VAT'21710106 出口退税 Tax reimbursement for export'21710107 进项税额转出 Changeover withnoldings on VAT'21710108 出口抵减内销产品应纳税额 Export deduct domestic sales goods tax '21710109 转出多交增值税 Overpaid VAT changeover'21710110 未交增值税 Unpaid VAT'217102 应交营业税 Business tax payable'217103 应交消费税 Consumption tax payable'217104 应交资源税 Resources tax payable'217105 应交所得税 Income tax payable'217106 应交土地增值税 Increment tax on land value payable'217107 应交城市维护建设税 Tax for maintaining and building cities payable '217108 应交房产税 Housing property tax payable'217109 应交土地使用税 Tenure tax payable'217110 应交车船使用税 Vehicle and vessel usage license plate tax(VVULPT) payable '217111 应交个人所得税 Personal income tax payable2176 其他应交款 Other fund in conformity with paying2181 其他应付款 Other payables2191 预提费用 Drawing expense in advance其他负债 Other liabilities2201 待转资产价值 Pending changerover assets value2211 预计负债 Anticipation liabilities长期负债 Long-term Liabilities2301 长期借款 Long-term loans一年内到期的长期借款 Long-term loans due within one year一年后到期的长期借款 Long-term loans due over one year2311 应付债券 Bonds payable'231101 债券面值 Face value, Par value'231102 债券溢价 Premium on bonds'231103 债券折价 Discount on bonds'231104 应计利息 Accrued interest2321 长期应付款 Long-term account payable应付融资租赁款 Accrued financial lease outlay一年内到期的长期应付 Long-term account payable due within one year一年后到期的长期应付 Long-term account payable over one year2331 专项应付款 Special payable一年内到期的专项应付 Long-term special payable due within one year一年后到期的专项应付 Long-term special payable over one year2341 递延税款 Deferral taxes三、所有者权益类 OWNERS' EQUITY资本 Capital3101 实收资本(或股本) Paid-up capital(or stock)实收资本 Paicl-up capital实收股本 Paid-up stock3103 已归还投资 Investment Returned公积3111 资本公积 Capital reserve'311101 资本(或股本)溢价 Cpital(or Stock) premium'311102 接受捐赠非现金资产准备 Receive non-cash donate reserve'311103 股权投资准备 Stock right investment reserves'311105 拨款转入 Allocate sums changeover in'311106 外币资本折算差额 Foreign currency capital'311107 其他资本公积 Other capital reserve3121 盈余公积 Surplus reserves'312101 法定盈余公积 Legal surplus'312102 任意盈余公积 Free surplus reserves'312103 法定公益金 Legal public welfare fund'312104 储备基金 Reserve fund'312105 企业发展基金 Enterprise expension fund'312106 利润归还投资 Profits capitalizad on return of investment利润 Profits3131 本年利润 Current year profits3141 利润分配 Profit distribution'314101 其他转入 Other chengeover in'314102 提取法定盈余公积 Withdrawal legal surplus'314103 提取法定公益金 Withdrawal legal public welfare funds'314104 提取储备基金 Withdrawal reserve fund'314105 提取企业发展基金 Withdrawal reserve for business expansion'314106 提取职工奖励及福利基金 Withdrawal staff and workers' bonus and welfare fund'314107 利润归还投资 Profits capitalizad on return of investment'314108 应付优先股股利 Preferred Stock dividends payable'314109 提取任意盈余公积 Withdrawal other common accumulation fund'314110 应付普通股股利 Common Stock dividends payable'314111 转作资本(或股本)的普通股股利 Common Stock dividends change to assets(or stock) '314115 未分配利润 Undistributed profit四、成本类 Cost4101 生产成本 Cost of manufacture'410101 基本生产成本 Base cost of manufacture'410102 辅助生产成本 Auxiliary cost of manufacture4105 制造费用 Manufacturing overhead材料费 Materials管理人员工资 Executive Salaries奖金 Wages退职金 Retirement allowance补贴 Bonus外保劳务费 Outsourcing fee福利费 Employee benefits/welfare会议费 Coferemce加班餐费 Special duties市内交通费 Business traveling通讯费 Correspondence电话费 Correspondence水电取暖费 Water and Steam税费 Taxes and dues租赁费 Rent管理费 Maintenance车辆维护费 Vehicles maintenance油料费 Vehicles maintenance培训费 Education and training接待费 Entertainment图书、印刷费 Books and printing运费 Transpotation保险费 Insurance premium支付手续费 Commission杂费 Sundry charges折旧费 Depreciation expense机物料消耗 Article of consumption劳动保护费 Labor protection fees季节性停工损失 Loss on seasonality cessation4107 劳务成本 Service costs五、损益类 Profit and loss收入 Income业务收入 OPERATING INCOME5101 主营业务收入 Prime operating revenue产品销售收入 Sales revenue服务收入 Service revenue5102 其他业务收入 Other operating revenue材料销售 Sales materials代购代售包装物出租 Wrappage lease出让资产使用权收入 Remise right of assets revenue返还所得税 Reimbursement of income tax其他收入 Other revenue5201 投资收益 Investment income短期投资收益 Current investment income长期投资收益 Long-term investment income计提的委托贷款减值准备 Withdrawal of entrust loans reserves 5203 补贴收入 Subsidize revenue国家扶持补贴收入 Subsidize revenue from country其他补贴收入 Other subsidize revenue5301 营业外收入 NON-OPERATING INCOME非货币性交易收益 Non-cash deal income现金溢余 Cash overage处置固定资产净收益 Net income on disposal of fixed assets 出售无形资产收益 Income on sales of intangible assets固定资产盘盈 Fixed assets inventory profit罚款净收入 Net amercement income支出 Outlay业务支出 Revenue charges5401 主营业务成本 Operating costs产品销售成本 Cost of goods sold服务成本 Cost of service5402 主营业务税金及附加 Tax and associate charge营业税 Sales tax消费税 Consumption tax城市维护建设税 Tax for maintaining and building cities资源税 Resources tax土地增值税 Increment tax on land value5405 其他业务支出 Other business expense销售其他材料成本 Other cost of material sale其他劳务成本 Other cost of service其他业务税金及附加费 Other tax and associate charge费用 Expenses5501 营业费用 Operating expenses代销手续费 Consignment commission charge运杂费 Transpotation保险费 Insurance premium展览费 Exhibition fees广告费 Advertising fees5502 管理费用 Adminisstrative expenses职工工资 Staff Salaries修理费 Repair charge低值易耗摊销 Article of consumption办公费 Office allowance差旅费 Travelling expense工会经费 Labour union expenditure研究与开发费 Research and development expense福利费 Employee benefits/welfare职工教育经费 Personnel education待业保险费 Unemployment insurance劳动保险费 Labour insurance医疗保险费 Medical insurance会议费 Coferemce聘请中介机构费 Intermediary organs咨询费 Consult fees诉讼费 Legal cost业务招待费 Business entertainment技术转让费 Technology transfer fees矿产资源补偿费 Mineral resources compensation fees排污费 Pollution discharge fees房产税 Housing property tax车船使用税 Vehicle and vessel usage license plate tax(VVULPT)土地使用税 Tenure tax印花税 Stamp tax5503 财务费用 Finance charge利息支出 Interest exchange汇兑损失 Foreign exchange loss各项手续费 Charge for trouble各项专门借款费用 Special-borrowing cost5601 营业外支出 Nonbusiness expenditure捐赠支出 Donation outlay减值准备金 Depreciation reserves非常损失 Extraordinary loss处理固定资产净损失 Net loss on disposal of fixed assets出售无形资产损失 Loss on sales of intangible assets固定资产盘亏 Fixed assets inventory loss债务重组损失 Loss on arrangement罚款支出 Amercement outlay5701 所得税 Income tax以前年度损益调整 Prior year income adjustment现金Cash in hand银行存款 Cash in bank其他货币资金-外埠存款Other monetary assets - cash in other cities 其他货币资金-银行本票 Other monetary assets - cashier‘s check其他货币资金-银行汇票 Other monetary assets - bank draft其他货币资金-信用卡 Other monetary assets - credit cards其他货币资金-信用证保证金 Other monetary assets - L/C deposit其他货币资金-存出投资款 Other monetary assets - cash for investment 短期投资-股票投资 Investments - Short term - stocks短期投资-债券投资 Investments - Short term - bonds短期投资-基金投资 Investments - Short term - funds短期投资-其他投资 Investments - Short term - others短期投资跌价准备 Provision for short-term investment长期股权投资-股票投资 Long term equity investment - stocks长期股权投资-其他股权投资 Long term equity investment - others长期债券投资-债券投资 Long term securities investemnt - bonds长期债券投资-其他债权投资 Long term securities investment - others长期投资减值准备 Provision for long-term investment应收票据 Notes receivable应收股利 Dividends receivable应收利息 Interest receivable应收帐款 Trade debtors坏帐准备- 应收帐款 Provision for doubtful debts - trade debtors预付帐款 Prepayment应收补贴款 Allowance receivable其他应收款 Other debtors坏帐准备- 其他应收款 Provision for doubtful debts - other debtors其他流动资产 Other current assets物资采购 Purchase原材料 Raw materials包装物 Packing materials低值易耗品 Low value consumbles材料成本差异 Material cost difference自制半成品 Self-manufactured goods库存商品 Finished goods商品进销差价 Difference between purchase & sales of commodities委托加工物资 Consigned processiong material委托代销商品 Consignment-out受托代销商品 Consignment-in分期收款发出商品 Goods on instalment sales存货跌价准备 Provision for obsolete stocks待摊费用 Prepaid expenses待处理流动资产损益 Unsettled G/L on current assets待处理固定资产损益 Unsettled G/L on fixed assets委托贷款-本金 Consignment loan - principle委托贷款-利息 Consignment loan - interest委托贷款-减值准备 Consignment loan - provision固定资产-房屋建筑物 Fixed assets - Buildings固定资产-机器设备 Fixed assets - Plant and machinery固定资产-电子设备、器具及家具 Fixed assets - Electronic Equipment, furniture and fixtures 固定资产-运输设备 Fixed assets - Automobiles累计折旧 Accumulated depreciation固定资产减值准备 Impairment of fixed assets工程物资-专用材料 Project material - specific materials工程物资-专用设备 Project material - specific equipment工程物资-预付大型设备款 Project material - prepaid for equipment工程物资-为生产准备的工具及器具 Project material - tools and facilities for production在建工程 Construction in progress在建工程减值准备 Impairment of construction in progress固定资产清理 Disposal of fixed assets无形资产-专利权 Intangible assets - patent无形资产-非专利技术 Intangible assets - industrial property and know-how 无形资产-商标权 Intangible assets - trademark rights无形资产-土地使用权 Intangible assets - land use rights无形资产-商誉 Intangible assets - goodwill无形资产减值准备 Impairment of intangible assets长期待摊费用 Deferred assets未确认融资费用 Unrecognized finance fees其他长期资产 Other long term assets递延税款借项 Deferred assets debits应付票据 Notes payable应付帐款 Trade creditors预收帐款 Adanvances from customers代销商品款 Consignment-in payables其他应交款 Other payable to government其他应付款 Other creditors应付股利 Proposed dividends待转资产价值 Donated assets预计负债 Accrued liabilities应付短期债券 Short-term debentures payable其他流动负债 Other current liabilities预提费用 Accrued expenses应付工资 Payroll payable应付福利费 Welfare payable短期借款-抵押借款 Bank loans - Short term - pledged短期借款-信用借款 Bank loans - Short term - credit短期借款-担保借款 Bank loans - Short term - guaranteed一年内到期长期借款 Long term loans due within one year一年内到期长期应付款 Long term payable due within one year长期借款 Bank loans - Long term应付债券-债券面值 Bond payable - Par value应付债券-债券溢价 Bond payable - Excess应付债券-债券折价 Bond payable - Discount应付债券-应计利息 Bond payable - Accrued interest长期应付款 Long term payable专项应付款 Specific payable其他长期负债 Other long term liabilities应交税金-所得税 Tax payable - income tax应交税金-增值税 Tax payable - VAT应交税金-营业税 Tax payable - business tax应交税金-消费税 Tax payable - consumable tax应交税金-其他 Tax payable - others递延税款贷项 Deferred taxation credit股本 Share capital已归还投资 Investment returned利润分配-其他转入 Profit appropriation - other transfer in利润分配-提取法定盈余公积 Profit appropriation - statutory surplus reserve利润分配-提取法定公益金 Profit appropriation - statutory welfare reserve利润分配-提取储备基金 Profit appropriation - reserve fund利润分配-提取企业发展基金 Profit appropriation - enterprise development fund利润分配-提取职工奖励及福利基金 Profit appropriation - staff bonus and welfare fund利润分配-利润归还投资 Profit appropriation - return investment by profit利润分配-应付优先股股利 Profit appropriation - preference shares dividends利润分配-提取任意盈余公积 Profit appropriation - other surplus reserve利润分配-应付普通股股利 Profit appropriation - ordinary shares dividends利润分配-转作股本的普通股股利 Profit appropriation - ordinary shares dividends converted to shares期初未分配利润 Retained earnings, beginning of the year资本公积-股本溢价 Capital surplus - share premium资本公积-接受捐赠非现金资产准备 Capital surplus - donation reserve资本公积-接受现金捐赠 Capital surplus - cash donation资本公积-股权投资准备 Capital surplus - investment reserve资本公积-拨款转入 Capital surplus - subsidiary资本公积-外币资本折算差额 Capital surplus - foreign currency translation资本公积-其他 Capital surplus - others盈余公积-法定盈余公积金 Surplus reserve - statutory surplus reserve盈余公积-任意盈余公积金 Surplus reserve - other surplus reserve盈余公积-法定公益金 Surplus reserve - statutory welfare reserve盈余公积-储备基金 Surplus reserve - reserve fund盈余公积-企业发展基金 Surplus reserve - enterprise development fund盈余公积-利润归还投资 Surplus reserve - return investment by investment主营业务收入 Sales主营业务成本 Cost of sales主营业务税金及附加 Sales tax营业费用 Operating expenses管理费用 General and administrative expenses财务费用 Financial expenses投资收益 Investment income其他业务收入 Other operating income营业外收入 Non-operating income补贴收入 Subsidy income其他业务支出 Other operating expenses营业外支出 Non-operating expenses所得税 Income tax。
(金融保险)金融英语句型
Part II Practical Sentences and Patterns1.Good morning, sir, what can I do for you ? 早上好，先生，我可以为你做些什么吗？2.Hi, Mr. Thomas. How are you? Can I help you? 你好，托马斯先生。
身体好吗？有什么可以帮助你吗？3.Excuse me, madam, but may I help you? 夫人，请问能为您效劳吗？4.Sir (miss), may I help you? 先生（小姐），我能为您效劳吗？5.Hello. 您好6.How nice to see you again! 真高兴再见到您！7.I’m glad to see you again.真高兴再见到您！8.It’s good to see you again.真高兴再见到您！9.It’s been a long time since I saw you (or we met) last, hasn’t it?（自我上次见你以来）好久不见，是吧？10.Sir, is there anything I can do for you ? 先生，有任何我能为您服务的地方吗？11.Madam, are you being attended to? 夫人，是否已有别人为您服务过了？12. How do you do ?您好！（初次见面是用语，尤用于被正式介绍见面时。
对方也用同样的话回答。
13. Mr.Green, How goes it recently ? 格林先生，最近情况怎样？14. How are you getting along (on) ? 你近来过得好吗？15. Pardon? 有时候我们会听不清楚顾客的问题，这不仅是因为自己的外语听力较差，同时也可能是顾客的语意不清，或者是乡音很重。
最简单也是最礼貌的反问语是：Pardon?I beg your pardon. 能再说一遍吗？Beg your pardon.Would you mind repeating your question, please?你介意重复一下你的问题吗？（请重复一遍你的问题好吗？）16. Do you mean that...? 你指的是......吗？17. I’m sorry, but would you please speak more slowly. I couldn’t catch your mean ing ( followyou)? 对不起，能否请你说得慢一些，我没能明白你的意思。
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一、银行英语口语银行英语口语－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。
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。
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 联名存款帐户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?你希望在你的户头上存多少？How much money do you plan to keep in your account on a regular basis?你计划在你的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 sum of money you're to deposit as well as your name, address and professional unit?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？I want to deposit 300 yuan in my account.我想在我的户头上存300元。
I want to deposit these cheques in my account.我想把这些支票存在我的户头上。
I'd like to pay 200 yuan into my deposit account.我想在在我的定期存款户头上存200元。
I want to deposit my paycheck.我想存入我的工资支票。
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.我要把旅行信用证的结余兑现。
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的帐号。
We honored the check as the overdraft was only 5 yuan.我们承兑这张支票的透支额只有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的1.5%。
Here's the cheque book. When you send a cheque by post be careful to cross it, butif 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。
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。
I want to withdraw 200 dollars from my deposit account.我要从我的定期存款中支取200美圆。
I want to close my account with you.我想结束在你们这儿的帐户。
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.你在本行的结余是300元。
Your deposit is exhausted.你的存款支净了。
Your letter of credit is used up.你的信用证用完了。
Please tell me how you wish to draw your money.请告诉我你希望怎样支款。