银行员工必会英语(Banking English)培训材料

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1、银行员工必会英语(Banking English) （一）Id 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。Id like to draw 100 yuan against this l

2、etter 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 yu

3、an.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。Fill our a withdrawal form, please. 请填写取款单。The letter of credit is exhausted. 信用证上的款子已提清。The letter at Counter 6 will pay you against your number

4、slip.六号柜台的出纳员将根据你的号码牌付给你钱。 Useful Words and Phrases to close an account, to clear an account 结清 to draw money 取款 drawing-out slip 取款单the number slip号码牌a withdrawal form 取款单 to fill in the receipt in duplicate一式两份填这张收据 teller, cashier 出纳员 Tell me the current rate for RMB, please.请告诉我人民币的现价。Whats your

5、 selling rate for RMB yuan in notes today? 你们今天人民币现钞的售价是多少？Whats the dollar going for today? 美圆今天的售价是多少？Our buying rate for notes is 523 yuan for 100 dollars. 我们100美圆的现钞买入价是523元。Its 200 French francs at todays selling rate. 今天的卖出价是200法国法郎。The buying rate of U.S. dollar notes is 460 yuan per hundred

6、dollars. 美圆现钞买入价是100美圆付460元。Useful Phrases buying rate买进价格selling rate 卖出价格 And how much will it be in Japanese currency?换成日本币是多少？How much would I get for 300 Japanese yen? 300日圆可兑换多少钱？Id like to know the exchange rate for German marks. 我想知道德国马克的兑换率。What rate are you giving?你们提供的兑换率是多少？Whats the exc

7、hange rate today? 今天的兑换率是多少？Please tell me what you would give me for my U.S. dollars. 请告诉我这些美圆可以兑换多少钱。Please tell me the current rate for sterling.请告诉我英国货币的现行兑换率。If youll wait a moment, Ill find out the rates of exchange. 请等一会儿，我查一下兑换率。Please wait a moment. Ill find out the exchange rate between U.

8、S. dollars and RMB.请等一会儿，我查一下美圆对人民币的兑换率。 Its 470 yuan for 100 dollars.100美圆可兑470元。The exchange rate today is 200 yen to the pound.今天的兑换率是一英镑可兑200日圆。The rate for travelers cheques is 300 yuan against 100 dollars. 旅行支票的兑换率是100美圆兑300元。These dollars are worth 1,000 yuan.这些美圆可换1000元。 Useful Phrases excha

9、nge table, conversion table汇兑换算表foreign exchange外汇exchange rate 外汇率conversion rate折合率foreign exchange restriction外汇限额foreign exchange quotations 外汇行情to check the rate for sb.查牌价 银行英语 Banking English （二） 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 co

10、nvert into Japanese yen? 你要把多少汇款换成日圆？What kind of currency do you want? 要哪种货币？ Whats it you wish to change? 你有什么要换的？What kind of currency do you want to change?要换哪种货币？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？ Is it in travelers

11、 cheques? 换旅行支票吗？Id like to know how I shall give it to you. 我想知道如何付钱给你。How would you like it? 你要什么面额的？ Would you kindly sign the exchange form, giving your name and address? 请在兑换单上签字，写出你的姓名和地址，好吗？Can you change me some money, please? 能否请你给我兑换一些钱？Here it is, some French francs, Swiss francs, America

12、n dollars and a few Dutch guilders. 这些就是：一些法国法郎，瑞士法郎，美圆和一些荷兰盾。Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change. 请你给我7张5镑纸币，4张1镑纸币，4张10先令纸币，剩下的要零票。 Would you mind giving me the six pence in coppers? 劳驾给我6便士的铜币。Id like to know

13、if you could change this money back into U.S. dollars for me. 我想知道能否把这笔兑回成美圆。Could you change these French francs for me?能给我兑换这些法国法郎吗？Can you give me 100 dollars in Swiss francs? 能否给我100美圆的瑞士法郎？Id like to convert the full amount of the remittance into U.S. dollars.我想把全部汇款换成美圆。Id like some coins for

14、this note. 我想把这张纸币换成硬币。Id like to break this 50 dollar note.我想把这张50美圆纸币换开。Five twenties and ten singles, please. 请给我5张20元和10张一元的。 I need 300 dollars in 100-dollar cheques. 我要300美圆票面为100美圆的支票。I hope youll give me ten travelers cheques of 100 dollars each. 我希望给我10张面额为100美圆的旅行支票。In fives, please. 请给我5元

15、票面的。Could you give me some small notes? 给我一些小票好吗？Useful Words and Phrases currency, money 货币 money changing兑换货币an exchange form兑换单 bank note 钞票note of large denomination 大票note of small denomination小票 small change 零钱subsidiary money 辅币nickel piece 镍币plastic currency notes 塑料钞票convertible money 可兑换（黄

16、金）纸币 Whats the interest rate for the savings account? 储蓄存款的利率是多少？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。Interest is paid at the rate of 1% per annum at present. 目前每年的利率是1%。It allows you to earn a little interest on your money.这可使你从存款

17、中获得一点利息。The account carries interest of 4%. 该存款有4%的利息。 The interest is added to your account every year. 每年的利息都加到你的存款中。The interest rate for the savings account is 4%.储蓄存款的利率是4%。It varies from time to time. At present it is 6%.（年息）每个时期都不同，现在是六厘。 Useful Words and Phrasesinterest rate 利率simple interes

18、t 单利 compound interest复利 legal interest 法定利息prime rate优待利率payable interest 应付利息lending rate 贷款利率usury 高利贷 the subsidy rate for value-preserved savings 保值储蓄补贴率 银行英语 Banking English （三） 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 mu

19、ch 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 depos

20、iting form, giving the sum of money youre 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。Id like to pay 200 yuan into my deposit acco

21、unt.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。 Id 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 travelers cheque? 请兑现这张旅行支票好吗？Id like to cash this money order.我想兑现这张汇款单。I want to cash the balance of a travelers letter of credit. 我要把旅行信用证的结余

22、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 chec

23、k.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 travelers 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%。Heres the cheque book. When you send a cheque by post be careful to cross it, but if you wish to

24、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。 Useful Words and Phrasesaccount number 帐目编号 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pr

25、ivate 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cr

26、ossed 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 travelers 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 Bandars note庄票，银票 银行英语 Banking English （四） 相关词汇 RELATIVE WORDS banker 银行家president 行长savings bank 储蓄银行

27、Chase Bank 大通银行National City Bank of New York 花旗银行Hongkong Shanghai Banking Corporation 汇丰银行Chartered Bank of India, Australia and China 麦加利银行Banque de IIndoChine 东方汇理银行central bank, national bank, bankers bank 中央银行bank of issue, bank of circulation 发行币银行commercial bank 商业银行，储蓄信贷银行member bank, credi

28、t 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, notifying bank 通知银行negotiation bank 议付银行confirming bank 保兑银行paying bank 付款银行associate banker of collection 代收银行consigned banker of collection 委托银行clearing bank 清算银行local bank 本地银行 d

29、omestic 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 d

30、eposit 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

31、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 export bank (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c

32、ost 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 conomic boom 经济繁荣economic recession 经济衰退economic dep

33、ression 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 power of money 货币购买力

34、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 exc

35、hange 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, business hours 营业时间