银行英语口语-Negotiation词汇

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　　银行英语口语－Negotiation押汇

银行英语口语-Negotiation词汇

　　C: Excuse me, do you provide any trade service here?

　　你们有提供贸易押汇服务吗？

　　T: Yes, we do. Can I help you, sir?

　　有的，先生。我能为你效劳吗？

　　C: Yes, I'd like to know how about the services you provide to customers in which credit facilities are not required?

　　我想知道你们提供给客户无须信贷安排的服务有那些项目？

　　T: Certainly, sir. The services will include export financing; outward bills collection transferable letters of credit, letters of credit advising and confirmation, inward bills collection, trade information and insurance.

　　那当然可以，先生。服务范围包括出口贷款，出口单托收，信用证转让，信用证通知及确认，进口单托收，贸易资料及保险服务。

　　C: How can I benefit from your export services?

　　那么在出口押汇文件的处理上，我所享有的服务有怎样？

　　T: Our staff works until 6:00pm each weekday night so that your export documents can be promptly processed. This will greatly help your cash flow. In addition, we can dispatch documents to your counterparty's bank for earlier payment. In turn, will save your transit interest.

　　我们的职员每日能为您服务到下午6点，确保各出口押汇文件可及时办妥，使你的现金周转更加灵活。同时，由于我们能助你将单据尽早递送到你的业务伙伴的银行及收取有关款项，所以能使你缩减利息开支。

　　C: By the way, can I fax my instruction to your bank?

　　那么，我可以将押汇指示以传真方式通知贵行吗？

　　T: Sure, this is what we always encourage our customers to do. Besides, as we have an advance-computerized system to process the documents efficiently and accurately, you can use our electronic facilities for trade transactions

　　当然可以，我们一直鼓励客户这样做。此外，由于我们设有先进的电脑系统，能有效率及准确地处理贸易文件，所以，你也可透过我们的电子银行服务进行各项押汇交易。

　　C: Can your bank provide training or seminars on trade documentation to our company? As we note that it is very difficult to train new staff.

　　贵行会向我们提供有关贸易单据处理的培训班和讲座吗？因为我们在训练新职员时常遇到这方面的问题。

　　T: Yes, we do. This service will be subject to your request.

　　我们会的。这服务将根据你们的需要和要求而定。

　　C: Okay. I'll think about it seriously and will probably contact you again later. Thanks a lot!

　　好的，我将详细考虑这项服务，我会再联络你，谢谢！

　　T: Not at all!

　　不用客气！

　　Negotiation 押汇

　　C: Excuse me, do you provide any trade service here?

　　你们有提供贸易押汇服务吗？

　　T: Yes, we do. Can I help you, sir?

　　有的，先生。我能为你效劳吗？

　　C: Yes, I'd like to know how about the services you provide to customers in which credit facilities are not required?

　　我想知道你们提供给客户无须信贷安排的服务有那些项目？

　　那当然可以，先生。服务范围包括出口贷款，出口单托收，信用证转让，信用证通知及确认，进口单托收，贸易资料及保险服务。

　　C: How can I benefit from your export services?

　　那么在出口押汇文件的处理上，我所享有的服务有怎样？

　　C: By the way, can I fax my instruction to your bank?

　　那么，我可以将押汇指示以传真方式通知贵行吗？

　　C: Can your bank provide training or seminars on trade documentation to our company? As we note that it is very difficult to train new staff.

　　贵行会向我们提供有关贸易单据处理的培训班和讲座吗？因为我们在训练新职员时常遇到这方面的问题。

　　T: Yes, we do. This service will be subject to your request.

　　我们会的。这服务将根据你们的需要和要求而定。

　　C: Okay. I'll think about it seriously and will probably contact you again later. Thanks a lot!

　　好的，我将详细考虑这项服务，我会再联络你，谢谢！

　　T: Not at all!

　　不用客气！

　　会计账目用语

　　会计报表

　　statement of account

　　往来帐目

　　account current

　　现在往来帐||存款额

　　current accout

　　销货帐

　　account sales

　　共同计算帐项

　　joint account

　　未决帐项

　　outstanding account

　　贷方帐项

　　credit account||creditor account

　　借方帐项

　　debit account||debtor account

　　应付帐||应付未付帐

　　account payable

　　应收帐||应收未收帐

　　account receivable

　　新交易||新帐

　　new account

　　未决帐||老帐

　　old account

　　现金帐

　　cash account

　　流水帐

　　running account

　　暂记帐||未定帐

　　suspense account

　　过期帐||延滞帐

　　overdue account||pastdue account

　　杂项帐户

　　sundry account

　　详细帐单||明细表

　　detail account

　　呆帐

　　bad account

　　会计项目

　　title of account

　　会计薄||帐薄

　　account-book

　　营业报告书||损益计算表

　　account of budiness||business report

　　借贷细帐||交验帐

　　account rendered

　　明细帐

　　account stated

　　与... 银行开立一户头

　　to open an account with

　　与... 银行建立交易

　　to keep account with

　　继续记帐

　　to keep account

　　与... 有交易

　　to have an account with

　　作成会计帐||有往来帐项

　　to make out an account with

　　清算||清理债务

　　to make up an account

　　清洁帐目||与... 停止交易

　　to close one's account with

　　结帐

　　to close an account

　　清理未付款

　　to ask an account||to demand an account

　　结清差额

　　to balance the account with

　　清算

　　to settle an account||to liquidate an account||to square an account

　　审查帐目||监查帐目

　　to audit an account

　　检查帐目

　　to examine an account

　　转入A的帐户

　　to charge the amount to A's account

　　以计帐方式付款

　　to pay on account

　　代理某人||为某人

　　on one's account||on account of one

　　为自己计算||独立帐目

　　on one's own account

　　由某人收益并负风险

　　on one's account and risk||for one's account and risk

　　由某人负担

　　for one's account||for account of one

　　按某人指示||列入某人帐户

　　by order and for account of one

　　列入5月份帐目

　　for May account

　　编入某中帐项下

　　to pass to the account of||to place to the account of

　　寄出清算书

　　to send in an account||to send in render an account

　　银行英语口语－回答客户问题

　　Customer: Excuse me , but can I draw on my account for payment of things I buy in China ?

　　顾客：劳驾，请问我能不能提取存款尝付我在中国买东西的费用？

　　Clerk: Certainly, sir. How much do you draw?

　　职员：当然可以，先生。您要取多少钱？

　　Customer: RMB 8,000 please. Would you please tell me my balance?

　　顾客：请给我人民币8，000元。请把我帐号上的节余金额告诉我好吗？

　　Clerk: Yes, sir. Your balance is RMB 34,000.

　　职员：好的，先生。你的'帐户余额是人民币34000元。

　　Customer: I am sorry, but may I ask one more question?

　　顾客：对不起，我能不能再问一个问题？

　　Clerk: Of course, please do. What is it?

　　职员：当然可以了。请问是什么问题？

　　Customer: What is the interest rate for the saving account?

　　顾客：储蓄存款的利率是多少？

　　Clerk: The detailed information is on the board. Please go and see it.

　　职员：详细的情况在那块利率牌上。请去那里看看吧。

　　Customer: Many thanks.

　　顾客：非常感谢。

　　Dialogue Tow

　　对话（2）

　　Customer: Excuse me, but could you help me?

　　顾客：对不起，能帮我一个忙吗？

　　Clerk: With pleasure. What can I do for you?

　　职员：很高兴为您效劳。我能为您做些什么？

　　Customer: Could you tell me where I can find Mr Zhang?

　　顾客：请告诉我张先生在哪里，好吗？

　　Clerk: Sure Miss. Mr Zhang is upstairs.

　　职员：没问题，小姐。张先生在楼上。

　　Customer: Thank you very much.

　　顾客：非常感谢。

　　Clerk: Not at all, miss.

　　职员：不客气，小姐。

　　Dialogue Three

　　对话（3）

　　Customer: Do you charge for cheques?

　　顾客：请问，兑换支票你们收手续费吗？

　　Clerk: Yes we do. Each cheque you write will cost RMB 2.

　　职员：是的，我们收手续费。您每开一张支票就要花人民币2元。

　　Customer: Do I have to deposit a large sum of money if I want to open a chequing-savings account?

　　顾客：如果我要开一个支票储蓄帐户，我必须存一大笔钱吗？

　　Clerk: Not necessarily, sir.

　　职员：不一定的，先生。

　　Customer: Regarding the interest rate, what is the difference between a savings account and checking account?

　　顾客：在利率方面，储蓄存款和支票存款有什么不同？

　　Clerk: Not big difference, sir.

　　职员：没有太大的区别，先生。

　　Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit?

　　顾客：我知道了。我想开一个支票存款帐户。300美圆作最低存款额够了吗？

　　Clerk: Definitely.

　　职员：足够了。

　　银行英语口语－向客户提建议

　　Customer: Hello, I would like to open an account, but I do not know what account it should be.

　　顾客：你好。我想开立一个帐户，但我不知道要开哪种帐户。

　　Clerk: Do you often deposit money and draw money ?

　　职员：您经常存钱和取钱吗？

　　Customer: No, I do not. I just want to deposit my salary and use this account to pay the things I buy at department stores once a month.

　　顾客：不，我不经常存钱和取钱。我只想把工资存入并且用这个帐户来支付每月一次在百货商店所买的东西的帐款。

　　Clerk: So, it will be a good idea for you to open a checking account. Do you think so?

　　职员：那么您还是开立一个支票帐户的好。您认为怎么样？

　　Customer: All right ,if that account will make.

　　顾客：行，如果这个帐户合适的话。

　　Dialogue Two

　　对话（2）

　　Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me?

　　顾客：你好，先生。我是日本人。我的英语不太好，你能帮忙吗？

　　Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do.

　　职员：很高兴为您效劳，但我想您最好告诉我您想要干什么。

　　Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo.

　　顾客：啊，我想兑换些钱，但不知道怎样填写兑换水单。我不会看英文。

　　Clerk: Would you care to give me your passport and write your name on the paper?

　　职员：您能把您的护照给我，并把您的名字写在这张纸上吗？

　　Customer: There you are. My name is Tanaka.

　　顾客：给你护照和姓名，我叫田中。

　　Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment?

　　职员：好，我现在就为您填写这张兑换水单。您请在那里坐一会行吗？

　　Customer: I would like to. Thanks.

　　顾客：好的，谢谢。

　　Clerk: Hello, Mr. Tanaka. I was wondering if you would ever thought of conversing the unused Renminbi back into Japan yen later?

　　职员：您好，田中先生，不知道您是否考虑到以后要把没有用完的人民币兑换成日元呢？

　　Customer: Yes, if I will have Renminbi left.

　　顾客：是的，如果有没用完的人民币的话，就要换成日圆。

　　Clerk: So, If I may make a suggestion , please keep your exchange memo safe,

　　职员：那么，如果我还可以提一个建议的话，请您保管好您的这张兑换水单。

　　Customer: Thank you indeed. I will do that.

　　顾客：我会保管好的。谢谢。

　　Clerk: Not at all.

　　职员：不用谢。

　　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 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 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？

　　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－信用证

　　L/C(信用证)

　　C= Customer顾客 T=Teller职员

　　T: Can I help you, sir?

　　能帮你什么忙吗，先生？

　　C: Yes, I want to open an L/C, but I don't know how to work?

　　对，我想开个信用正，但我不明白如何运作？

　　T: Ok, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer (always the importer). It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter (beneficiary). The bank acts as the first payer and this is the most important feature of L/C.

　　好，让我来告诉你。信用正是应客户（通常是进口商）的要求而开立的一种付款承诺文件，信用证将被寄给出口商，使出口商可以把货物装船，并根据信用正的要求准备单据。一旦信用证和单据提交给开证行，开证行必须立即付款给出口商（受益人）。银行就作为第一支付人进行支付，这就是信用证最重要的特征。

　　C: I see, would you tell me what's the main content of an L/C?

　　我明白了，你能告诉我信用证的主要内容吗？

　　T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.

　　商品的品名，数量，单价和种类，装货港和目的地，价格和付款条件，装船单据，最后装运期和到目的地的有效期。

　　C: Then how can I send an L/C to my customer?

　　那么，我怎么才可以向我的客户开出信用证呢？

　　T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent (advising bank) will send the L/C to the exporter.

　　习惯上，开证行总是向出口商所在地的代理行发出邮件或电报，在检验信用证的真实性后，代理行（通知行）将向出口方发出信用证。

　　C: How can my customer receive the proceeds?

　　我的客户怎样才能收到钱？

　　T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer's account when releasing the shipping documents to the importer. The whole transaction now comes to the end.

　　信用证是可以议付的，出口商向议付行提交信用证所要的所有单据，只要所提交的单据和信用证要求的条件是一致的话，银行将议付。当开证行将装船单据交给进口商时，开证行就借记进口方的帐户，整个交易就完成了。

　　C: I see, Thank you very much

　　我明白了，谢谢你！

　　T: you're welcome!

　　别客气

　　L/C(信用证)

　　C= Customer顾客 T=Teller职员

　　T: Can I help you, sir?

　　能帮你什么忙吗，先生？

　　C: Yes, I want to open an L/C, but I don't know how to work?

　　对，我想开个信用正，但我不明白如何运作？

　　C: I see, would you tell me what's the main content of an L/C?

　　我明白了，你能告诉我信用证的主要内容吗？

　　T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.

　　商品的品名，数量，单价和种类，装货港和目的地，价格和付款条件，装船单据，最后装运期和到目的地的有效期。

　　C: Then how can I send an L/C to my customer?

　　那么，我怎么才可以向我的客户开出信用证呢？

　　习惯上，开证行总是向出口商所在地的代理行发出邮件或电报，在检验信用证的真实性后，代理行（通知行）将向出口方发出信用证。

　　C: How can my customer receive the proceeds?

　　我的客户怎样才能收到钱？

　　C: I see, Thank you very much

　　我明白了，谢谢你！

　　T: you're welcome!

　　别客气.

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