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1、常见银行名称及银行类别,中国人民银行 Peoples Bank of China中国工商银行 Industrial and Commercial Bank of China中国农业银行 Agricultural Bank of China中国建设银行 Construction Bank of China中国银行 Bank of China招商银行 China Merchants Bank Co., Ltd兴业银行 Industrial Bank Co., Ltd交通银行 Bank of CommunicationsHuaxia Bank中信银行 CITIC Bank of China中国光大银
2、行 China Everbright Bank of China,中国民生银行 China Minsheng Banking Co., Ltd 广东发展银行 Guangdong Development of China深圳发展银行 Shenzhen Development of China上海浦东发展银行 Shanghai Pudong Development Bank中国投资银行 Investment Bank of China中国邮政储蓄银行 Postal Service of China中国农业发展银行 Agricultural Development Bank of China国家开发
3、银行 China Development Bank国家进出口银行 Export-Import Bank of China北京银行 Bank of Beijiang宁波银行 Bank of Ningbo杭州银行 Bank of Hangzhou花旗银行 National City Bank of New York 汇丰银行 Hongkong Shanghai Banking Corporation,Chase Bank 大通银行Citibank 花旗银行Hongkong Shanghai Banking Corporation 汇丰银行Chartered Bank of India, Austr
4、alia 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, 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,常用银行用语,account number 帐号depositor 存户pay-in slip 存款
5、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 suspe
6、nd 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
7、票banker 银行家 president 行长savings bank 储蓄银行,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domestic bank 国内银行,overseas bank
8、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cred
9、it 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 ban
10、k 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cost accounting 成本会计depreciation accoun
11、ting 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 rec
12、overy 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money in circulation 货币流通量note issue 纸币发行量natio
13、nal 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
14、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 hou
15、rs, business hours 营业时间,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?Theres a service charge for the checking account but no
16、 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
17、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
18、付帐。Wed 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 Id 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。Id like to open a deposit accoun
19、t 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？Id like to know whether a 200 yuan d
20、eposit 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, f
21、ixed 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？H
22、ow 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 youre to deposit as well as your name, address and
23、 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 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。,Id like to know whether
24、 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 h
25、ow 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。,Pleas
26、e 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 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
27、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private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折,credit card 信用卡principal 本
28、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
29、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,银行英语口语取款、结余,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 acco
30、unt.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 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 y
31、ou 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
32、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 Phrasesto 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
33、 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？Whats it you wish to change?你有什么要换的？What kind of currency do you want to cha
34、nge?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 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
35、 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。EUROWould you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and
36、 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 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 i
37、n 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 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 che
38、ques.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元票面的。Could you give me some small notes?给我一些小票好吗？,Useful Words and Phrasescurrency, money 货币money changing 兑换货币an exchange form 兑换单bank note 钞票note of large denomination
39、 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,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 i
40、s.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
41、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 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
42、语口语外汇率,Tell me the current rate for RMB, please.请告诉我人民币的现价。Whats your 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
43、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。,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。W
44、hat rate are you giving?你们提供的兑换率是多少？,Whats 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 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 mo
45、ment. Ill 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。,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 wort
46、h 1,000 yuan.这些美圆可换1000元。,Useful Phrasesexchange 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,对话练习,对话（1）（找人）Customer： Excuse me, but could you help me？Clerk：With plea
47、sure. What can I do for you？Customer： Could you tell me where I can find Mr. Zhang？Clerk： Sure, Miss. Mr. Zhang is upstairs.Customer： Thank you very much.Clerk： Not at all， miss.,对话（2）（开户）Clerk: Good morning, can I help you? Customer: Good morning. Id like to deposit some money. Clerk: Ok. Would you
48、 like to open a current account or fixed account? Customer: USD 1,000 for current account, USD 5,000 for fixed account for a year. Clerk: Then cash account or exchange account? (现金帐户还是外汇)Customer: Sorry, what you said is beyond me. Clerk: An exchange account is an account opened with inward remittan
49、ce from abroad, and a cash account is opened with foreign currency in cash. Customer: Ok, I got it. Today, Id like to deposit in cash. Clerk: I recommend savings deposit account passbook and fixed savings account passbook. You can deposit not only USD dollars, but also RMB,GBP, Japanese Yen and othe
50、rs. Please fill in these forms please. Customer: Ok. Customer: Here you are. Clerk: Your passport and money, please. Customer: Ok. Clerk: Thank you.,对话（3）（开户）Customer： Do you charge for cheques？Clerk: Yes we do. Each cheque you write will cost RMB 2.Customer： Do I have to deposit a large sum of mone
