书城外语财务人员英语看这本就够
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第7章 在银行In the Bank(1)

开立账户 Open an Account

account[kaunt]n. 账户

notice[nuts]n. 通知

proof[pruf]n. 证明

teller[tel(r)]n. 出纳

individual[ndvdul]

n. 个人,个体

balance[blns]n. 余额

advantage[dvɑntd]n. 优势

refund[rifnd]n. 退款

vault[vlt]n. 保险库

overdraw[uvdr]v. 透支

cover[kv(r)]v. 包含,包括

defray[dfre]v. 支付

transfer[trnsf(r)]

v. 转账,过户

bank[bk]v. 储蓄

withdraw[wedr]v. 取回

various[vers]

adj. 各种各样的

savings account 储蓄账户

gold account 黄金账户

silver account 白银账户

cash card 借记卡

credit card statement 信用卡账单

ID card (identification card)

n. 身份证

driving license n. 驾照

special account 特别账户

checking account 支票账户

join checking savings account

联名支票存款账户

be subject to 由……决定

annual interest rate 年利率

deposit slip 存款单

current account/demand account

活期支票账户

individual account/personal checking accounts 个人支票账户

signature card 签名卡

savings certificate 储蓄存单

1. I’d like to open a fixed account for one year term.

我想开定期为一年的账户。

fixed account 定期账户

demand account 活期账户

2. I want to remit 400 pounds to my friend in England.

我想给我英国的朋友汇400英镑。

remit[rmt]v. 汇款

3. What currency do you want

你要哪种外汇呢?

currency[krns]n. 外汇

4. He is in urgent need. I will take T/T.

他着急用钱,那我就用电汇吧。

urgent[dnt]adj. 急需的

T/T telegraphic transfer电汇

M/T mail transfer信汇

5. I would like to cash this money order.

我想兑现这张汇款单。

A: What can I do for you, Sir

B: May I open an account in your bank

A: You are welcome. Is it a personal one or one on behalf of your company

B: It is for me.

A: What kind of account would you like to open

B: I want to open a current account. What is the proper procedure

A: First, you fill out the application form and then we issue you a passbook.

B: Is there any minimum for the first deposit

A: No. Here is your passbook, sir. Just sign your name on it.

A:早上好,先生,需要帮忙吗?

B:我可以在贵行开户吗?

A:欢迎啊,是私人账户还是代表您的公司?

B:私人账户。

A:您想开立哪种账户?

B:我想开一个活期账户,手续是怎样的?

A:首先,您填写一份申请表,然后我们将会发给你一个存折。

B:有没有起存额限制呢?

A:没有。先生,这是您的存折,在上面写上您的名字。

on behalf of 以某人的名义

procedure[prsid(r)]n. 手续,程序

application[plken]n. 申请

issue[u]v. 发给

现代银行提供多种服务,其中最重要的一项就是存款储蓄。

如果您去银行开储蓄账户,首先您得填写签名卡,然后你会得到一张存折,上面记载了你的初次存款。账上所有存取款都将记入存折。这就是说存折准确的记录着每一次的储蓄情况。如果是活期存款账户,一旦需要,你可以随时取款。需要做的只是填写取款单,然后把存折一起交给出纳员。

所有银行的储蓄账户都是有利息的。虽然各银行利息有所不同,但一般都在4%至6%之间。

柜台存取 Deposit and Withdrawal

counter[kaunt(r)]n. 柜台

cash[k]n. 现金

check[tek]n. 支票

quarter[kwt(r)]n. 四分之一

awful[fl]adj. 痛苦的

saving[sev]n. 存款

apology[pld]n. 道歉

type[tap]n. 类型

customer[kstm(r)]n. 顾客

minimum[mnmm]n. 最小值

currency[krns]n. 外汇

accumulate[kjumjulet]v. 集聚

deposit[dpzt]v. 存款

withdrawal[wedrl]n. 取款

intend[ntend]v.打算

undergo[ndgu]v. 经历

fill[fl]v. 填写

receive[rsiv]v. 收到

offer["fr]v. 提供

renew[rnju]v. 更新

coincide[kunsad]v.与……一致

1. I think you need a checking account so that you can pay your bill.

我想您需要开一个支票账户,这样您就可以付账。

bill[bl]n. 账单

2. If you want to cash the check, please sign again on the bottom line.

如果您想兑支票,请再在底线上签名。

bottom[btm]n. 底部

3. Interest is paid at the rate of 0.8% per annum at present.

目前每年的利率是0.8%。

interest[ntrst]n. 利息

rate[ret]n. 利率

4. It helps defray the cost of the account itself.

这可以抵付存款本身的费用。

defray[dfre]v. 付款

5. The teller at counter 1 will pay you against your number slip.

1号柜台的出纳员根据您的号码牌把钱付给您。

teller[tel(r)]n. 出纳员

slip[slp]n. 单据

A: I want to draw some money from my account. But where is the drawing slip for RMB

B: I will fill out the drawing slip for you.

A: Great! Here are my bankbook and the slip for 1,500 yuan.

B: Very well. All in hundred notes, all right

A: Please give me ten one-hundred notes and the fifty notes.

B: Here you are. Please check it.

A: Thank you. It is correct. But this note has a hole in the middle. People will not accept it. Please change it for me.

B: No problem.

A:我要取些款,但人民币取款单在什么地方呢?

B:我会为您填写取款单。

A:太好了。这是我的存折和取款单,取1500元。

B:好。全部都要面值为100元,行吗?

A:请给我10张100元的,10张50元的吧。

B:这是1500元。请数一数。

A:谢谢,没错。不过,这张纸币中间有个洞。别人不要。请换一张吧。

B:好的,没问题。

bankbook n. 银行存折

note[nut]n. 纸币

correct[krekt]adj. 正确的

hole[hul]n. 洞

accept[ksept]v.接受

银行柜员一般指在银行分行柜台里直接跟顾客接触的银行员工。银行柜员在最前线工作。这是因为顾客进入银行第一类人就是柜员。他们负责检察与及停止错误的交易以避免银行有所损失。该职位一般要求受雇者对顾客态度亲切诚恳,为顾客提供银行服务及有关他们账户的资讯。

前台柜员负责直接面向客户的柜面业务操作、查询、咨询等;后台柜员负责无需面向客户的联行、票据交换、内部账务等业务处理及对前台业务的复核、确认、授权等后续处理。独立为客户提供服务并独立承担相应责任的前台柜员必须自我复核、自我约束、自我控制、自担风险;按规定必须经由专职复核人员进行滞后复核的,前台柜员与复核人员必须明确各自的相应职责,相互制约、共担风险。

兑换支票和货币 Exchange of Check and Currency

exchange[kstend]n. 兑换

receipt[rsit]n. 收据

approval[pruvl]n. 正式批准

appreciation[prien]n. 升值

deficit[defst]n. 赤字

sterling[stl]n. 英镑

devalue[divlju]v. 贬值

fluctuate[flktuet]v. 波动

calculate[klkjulet ]v. 计算

quote[kwut]v. 报价

equivalent[kwvlnt]

adj. 等同的

negotiable[ngubl]

adj. 可通行的

directly[drektl]adv. 直接的

traveler’s letter of credit

旅行信用证

Federal Reserve Bank

美国联邦储备银行

letter of credit 信用证

exchange rate 汇率

floating rate 浮动汇率

foreign exchange quotations

外汇标价

foreign currency 外汇

Exchange Control Regulations

外汇管理条例

free convertible currencies

可自由兑换货币

1. It is common for the RMB yuan, for example, to be quoted in terms of major currencies such as the U.S. dollar, the British pound or the euro.

例如,对于人民币而言,往往用其他主要的货币来报价,如美元,英镑或者欧元。

quote[kwut]v. 开价,报价

in terms of 以/用……表示

2. In July, 2002, RMB 1 yuan was equivalent to 12 U.S. cents.

2002年7月,1元人民币相当于12美分。

equivalent[kwvlnt]adj. 相同的

3. Germany and France pledged to maintain the differential between their two currencies.

德国和法国保证要维持两国货币之间的利率微分。

pledge[pled]v. 保证

differential[dfrenl]n. 微分,差额

4. The US dollar lost more ground.

美元失去走强的势头。

5. You should take capital appreciation of the property into consideration.

你应该考虑到资本的升值。

take into consideration 考虑

A: Good morning, do you want to cash money

B: Yes, I’d like to change these dollars into RMB.

A: Let me have a look, please. Have you got any identification

B: Yes, will my passport do

A: Of course.

B: Here it is.

A: Thank you. Please sign this form.

B: All right. Would you give me 20 fifty-yuan notes and 100 yuan of small changes

A: Yes, tourists like you are always in a hurry.

B: You are right.