知识拓展栏作者：都智意2014年2月20日 银行基本业务口语 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? 你塑开一个活期存款帐户马？ A deposit or current account? 定期还是话期？ 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 s aVln联s, 支票户头要收服务贵，现金户头不牧。 Our minimm 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 mimimm 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0美圆的起存额开立错蓄帐户。 Even one yuan is all right. 甚至一元也可以起存， lere is your pashook.Please bring it back when you deposit or withdraw n oney any tire 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。保管好存所，速失请告诉我们。 I should like to open a current account. 我塑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
知识拓展栏 作者：郝智慧 2014 年 2 月 20 日 银行基本业务口语 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 s avings. 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 m oney 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. 我塑要开个定期存款帐户。 Can I open a current aceount here? 我晚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. 我塑在你们这儿开个定期存款帐户。， Could you tell me the difference betveen 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 opeming a savings account. 请告诉我开个储蓄帐户需要什么手线。 Will 100 yuan be enough for a minimn 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 accoumt. 我塑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畅吗？ How much does each account cost? 每个帐户要花多少钱： Useful Phrases current deposit,.current account活期存款 fixed deposit,fixed accoumt定期存款 fixed deposit b时installnents零存整取 joint account联名存款帐户 t0 open an account开户头 银行英语口语一存款 How much do you want to deposit with us?
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 Phrases current 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? 你希里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用存放多少钱： How much cash do you plan to deposit in your account? 你有多少钱要存入呢？ I think you my 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，成留在银行暂候管起米。 Would you please fill in the depositing form,ziving the sum of money you 're to deposit as vell as your name,address and professional unit? 请填张存款单，写明要存的数额以及保的姓名，地址和工作的单位，好吗？ I want to deposit 300 yuan in ay account. 我塑在我的户头上存300元. I want to deposit these cheques in my account. 我想把这些支票#在我的户头上。 I'd like to pay 200 yuan into my deposit account. 我如在在我的定期存款户头上存20元。 I want to deposit my paycheck. 我塑存入我的工货支票， I'd like to know whether I can cash a cheque bere. 我想知道我能否在这兑换支票。 Will you please cash this traveler's cheque? 请兑观这张旅行支票好吗？ I'd like to cash this momey order. 我塑兑现这张汇款单， 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 se whether you charge for cheques? 请告诉我兑换支票收手线贵吗？ Could you tell me how much the checks cost? 请告诉我这线支票要花多少钱？ What if I overdran? 如果透支了怎么办？
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. 知果把兑支票，请在底线上签名： Please write your account murber 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 anount of purchase. 旅行支票于续费是购买总额的1.路。 lere's the cheque book.When you send a cheque by post be careful to cro ss it,but if you wish to cash a cheque yourself,you mast leave it "op eh” 这是一本支票簿，你寄支票时，注意要在支票上打叉线。是如果你本人想开张总现支票，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 Phrases account nunber帐目编号 depositor存户 ay一nsip存款单 a deposit for国存款单 a banding machine自动存取机 to deposit存款 deposit receipt存款收据 private deposits私人存款 certiricate of deposit存单 depos1 t book,.asshook存折 credit card信月卡 principal本金 overdraft,overdra透支 to counter sign双签 10 endorse背书
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 cro ss it, but if you wish to cash a cheque yourself, you must leave it "op en". 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 Phrases account 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 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有书人 t0cash兑现 to honor a cheque兑付 to dishonor a cheque拒付 to suspend paynent止付 cheque,check支票 cheque hook支票本 order cheque记名支票 bearer cheque不i记名支票 crossed cheque横线支票 blank cheque空白支票 rubber cheque空头支票 cheque stuh,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f付支票 forged cheque伪支票 Bandar'8的te庄票，恨票 银行英语口语一数款，结余 I'd like to know if I can draw on my account for payrent of things I b uy in Tianjin. 我塑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美国， 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 moaey against the letter of credit here? 我可以在这儿用这舒信用证取钱吗？ Could you tell me my balance?
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 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 b uy 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 ne 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. 保在本行的结余是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 vish to dras 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 vill pay you against your number slip. 六号柜台的出纳员将根据你的号码伸付给你钱。 Useful Nords and Phrases to close an account,to clear an account结清 to draw money取款 draving-out slip取款单 the number slip号码伸 a withdraval form数款单 to fill in the receipt in duplicate一式两份填这张收据 teller,cashier出销员 银行英语口语一克换货币 Please tell me how much you want to change. 请告诉我你要换多少。 How much of the renittance do you want to convert into Japanese yen? 你要把多少汇款换成日圆？ What kind of currency do you want?
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。 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 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 银行英语口语－兑换货币 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 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？ What's 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 denoninations? 要什么面值的？ Please tell pe 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 traveler's cheques? 换旅行支票吗： I'd like to know how I shall give it to you. 我想知道如何付钱给你。 How would you1 ike it？ 你要什么面额的？ Would you kindly sigm the exchange forn,giving your nane 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 noney,please? 能否请你给我兑换一些钱？ Here it is,some French francs,Swiss francs,Anerican dollars and a few Duteh guilders. 这些就是；一些法国法即，璃士法郎，美圆和一些荷兰盾， Would you please give ne seven five-pound notes,four pound notes and four tea-shilling notes.and the rest in srall change. 请你给我7张5锈纸币，4素1锈纸币，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。 I'd like to know if you could change this money back into U.S.dollars f or me. 我塑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吗？ Can you give me 100 dollars in Swiss francs?
要哪种货币？ What's 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 traveler's cheques? 换旅行支票吗？ I'd 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, American 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。 I'd like to know if you could change this money back into U.S. dollars f or 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美圈的瑞士法邮？ I'd like to comvert the full amount of the remittance into U.S.dollars. 我塑把全部汇款换成美圆。 I'd like some coins for this note. 我想把这张纸币换成硬币。 I'd like to break this 50 dollar note. 我想把这张50美圆纸币换开. F1 ve twenties and t0悟s1暖les,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 you'll give me tem traveler's cheques of 100 dollars each. 我希望给我10张而额为100美额的旅行支票。 In fives,please. 请给我5元票面的 Could you give me some small notes? 给我一些小票好吗？ Useful Nords and Phrases currency,ney货币 oney changing兑换货币 an exchange form兑换单 bank note纱票 note of large denonination大票 note of small denonination小票 small change零钱 subsidiary money辅币 nickel piece望币 plastic currency notes里料秒票 convertible money可兑换（黄金）纸币 银行英语口语一销蓄存款利息 What's the interest rate for the savings account? 储蓄存款的利率是多少了
能否给我 100 美圆的瑞士法郎？ I'd like to convert the full amount of the remittance into U.S. dollars. 我想把全部汇款换成美圆。 I'd like some coins for this note. 我想把这张纸币换成硬币。 I'd 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 you'll give me ten traveler's 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（黄金）纸币 银行英语口语－储蓄存款利息 What's the interest rate for the savings account? 储蓄存款的利率是多少？
Do you pay interest on this account? 这种存款付拾利息玛？ Please tell ne 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 annun at present. 目前每年的利率是1第。 It allows you to earn a little interest on your noney. 这可使你从存款中获得一点利息。 The account carries interest of 该存款有4格的利息。 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 储蓄存款的利率是钱， It varies fron tire to time.At present it is 6%. (年息)每个时期都不同，现在是六厘。 Useful Nords and Phrases 1 nterest rate利率 s1 ple interest单利 coepound interest复f利 legal interest法定利息 prine rate优待利率 payable interest应付利息 lending rate贷款利率 usuT高利货 the subsidy rate for value-preserved savings保值储蓄补贴率 银行英语口语一外汇率 Tell me the current rate for BB,please. 请告诉我人民币的现价。 What's your selling rate for RB yuan in notes today? 你们今天人民币现钞的售价是多少？ What's the dollar going for today? 美圆今天的售价是多少？
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 Phrases interest rate 利率 simple interest 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 银行英语口语－外汇率 Tell me the current rate for RMB, please. 请告诉我人民币的现价。 What's your selling rate for RMB yuan in notes today? 你们今天人民币现钞的售价是多少？ What's 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美圆的呢钞买入价是523元. It's 200 French franes at today's selling rate. 今天的卖出价是200法国法g. The buying rate of U.S.dollar notes is 460 yuan per hundred 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 vill it be in Japanese currency? 换成日本百是多少？ How much would I get for 300 Japanese yen? 300日圆可兑换多少钱？ I'd 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？ What's the exchange rate today? 今天的克换率是多少？ Please tell me what you would give me for my Ul.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 you'll wait a noment,I'll find out the rates of exchange. 请等一会儿，我查一下兑换率。 Please wait a morent.I'll find out the exchange rate between U5.dollars and RVB. 请等一会儿，我查一下美圆对人民币的兑换率。 It's 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筋可兑200日圆。 The rate for traveler's cheques is 300 yuan against 100 dollars. 旅行支票的兑换率是100美圆兑300元
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。 It's 200 French francs at today's 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 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？ I'd 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？ 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 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。 Please wait a moment. I'll find out the exchange rate between U.S. dollars and RMB. 请等一会儿，我查一下美圆对人民币的兑换率。 It's 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 traveler's cheques is 300 yuan against 100 dollars. 旅行支票的兑换率是 100 美圆兑 300 元