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3、理-银行基础知识英语通知储蓄存款 Notice deposit is defined as one that does not have definite term when making deposits and the types are chosen in advance (now there are two types: one day notice deposit and seven days notice deposit), and you must inform the bank before the withdrawal of the date and amount of wi
4、thdrawal. Usually the minimum amount of notice deposit is 50,000 RMB yuan in a lump sum with the minimum withdrawal sum not less than 50,000 RMB yuan each time. You can deposit money in a lump sum and withdraw money in a lump sum or by several times. 通知储蓄存款是一种存款人在存入款项时不约定存期，预先确定品种（目前分一天通知储蓄存款、七天通知储蓄
5、存款两个品种），支取时需提前通知银行，约定支取日期及金额的储蓄存款方式。一般5万元起存，最低支取金额5万元，一次存入，可分一次或多次支取的储蓄存款。通信存款 Deposits by correspondence refer to the way in which overseas Chinese, Hong Kong, Macao and Taiwan compatriots, Chinese of foreign nationality and domestic residents approved to settle down or study abroad authorize domes
6、tic banks to handle savings deposits for their funds abroad. 通信存款是指华侨、港澳台胞、外籍华人及批准出境定居或留学的国内居民，将其在国外的资金委托国内银行办理储蓄存款的一种方式。 A client sending a letter authorizing the bank to handle the deposits by correspondence may go through the account opening procedures by attaching duplicates of his or her ID car
7、d, passport or exit pass and other valid credentials, filling out the Application Form for Opening Account of Deposits by Correspondence, choosing the type of deposits according to the types of services already transacted by the bank (say, current deposit, time deposit and current-time optional depo
8、sits, etc.), and also pre-assign the method of withdrawal later. 来信委托银行办理通信存款开户的客户，须附身份证、护照或出境通行证等有效证件的影印件，填写“通信存款开户申请书”，根据银行已开办的业务种类（如活期、定期、定活两便等）选择存款种类，并约定日后的支取方式，即可办理开户手续。储蓄存款挂失业务 If a certificate of deposit, a bank passbook or a seal of a client is lost or stolen, or the password is forgotten, t
9、he loss reporting may be handled at the bank as the following procedures: 客户的储蓄存单、存折、印鉴如不慎遗失、被盗或密码遗忘，可按下列手续到银行办理挂失： The client shall immediately handle the written loss reporting procedures at the original depository bank. In reporting loss, the client shall present the personal credentials (ID card
10、, residence permit, passport, etc.) and also provide the related deposit information such as account, account holders name, time of account opening, amount, type of currency and maturity. The loss reporting may be accepted after the bank certifies them correct, and the bank confirms that the payment
11、 has not been made before the loss reporting is handled. If the client can not be present at the bank in handling the loss reporting, he or she may authorize another person to handle it on his / her behalf and at the same time the credentials of the agent shall be presented. The loss reporting of pa
12、ssword may not be handled on agency. 客户应立即到原存款行办理书面挂失手续，挂失时客户应持本人身份证件（身份证、暂住证、护照等）并提供账户、户名、开户时间、金额、币种、期限等有关存 款内容，经银行审核无误后即可办理挂失，银行经查实确未支付方可受理。如客户不能亲自前往银行，可委托他人代办挂失，同时提供代办人身份证件。密码挂失不 准代办。 个人外汇预结汇业务 If you remit fund from abroad into China and want to pay the beneficiary in RMB, bank oversea office ca
13、n convert it into RMB according to the exchange rate level on the remittance day and inform domestic office to pay RMB fund to the beneficiary appointed by you. 如您在境外向国内汇入汇款，并要求以人民币交付给收款人，银行境外机构可先按照汇款日的汇率水平折成人民币，告知国内机构，并将人民币款项交付给您指定的收款人。外币兑换业务 Banks can handle the exchange between RMB and foreign cu
14、rrencies at current quotations on the day. Convertible currencies include US dollar, HK dollar, Japanese yen, Euro, English pound, Swiss franc, Australian dollar, Singapore dollar, Norwegian krone, Danish krone, Macao pataca, New Zealand dollar, and etc. The banks can handle foreign exchange purchas
15、e for official foreign visit groups. You are only required to take the exit paper approved by the Administration of Foreign Exchange for the banks examination before acquiring foreign exchange. Foreigners leaving the country can convert the unused RMB, which were converted when they entered the coun
16、try, into foreign currencies according to their passports and original foreign currency conversion receipts within six months. 银行可按当日牌价为您办理人民币与外币的兑换。可兑换的货币包括：美元、港币、日元、欧元、英镑、瑞士法郎、澳大利亚元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麦克郎、澳门元和新西兰元等。 银行可办理公派出国团组的购汇业务。您只需持外汇管理局审批的出国批件，经银行审核无误后即可予以供汇。 境外人员离境前，可在银行凭本人护照和六个月内原工商银行外币兑
17、换水单将入境时兑换的未用完的人民币兑回外币。零存整取定期储蓄SmallSavingsforLump-sumWithdrawal零存整取定期储蓄 Time deposit of small savings for lump-sum withdrawal refers to savings deposit whose terms are agreed, and whose fixed amount is deposited every month when opening an account. The minimum amount of deposit is 5 RMB yuan and the
18、 maturities range from three grades: 1 year, 3 years and 5 years. 零存整取定期储蓄存款是指开户时约定存期，每月固定存额，起存金额为5元人民币，存期分一年、三年、五年的一种储蓄存款形式。 外币定活两便存款 Savings/Time Optional Deposits 定活两便存款 Savings/time optional deposit in foreign currency are registered deposit without fixed amount, without definite maturity, whose
19、 interest rate varies in line with the length of maturity. The minimum amount of deposit is the foreign currency with a value not less than the equivalent of 50 RMB yuan. The longest maturity is 1 year, and the interest is computed at a discount rate relevant to the corresponding grade of interest r
20、ate for time deposits of lump-sum depositing and lump-sum withdrawal according to the actual number of days deposited. The interest is computed with reference to interest rate of the RMB Time/Current Optional Deposits. 外币定活两便存款是一种不确定存期，利率随存期长短而变动的记名式不定额存款。起存金额不低于人民币50元的等值外币。存期最长为1年，按实存天数，符合整存整取定期存款哪
21、个档次就按该档次利率打折计息。计息参照“人民币定活两便储蓄存款”。代理境外消费退税 Signified by the signing of the “Agency Personal Duty Refund Collection for Consumption Abroad” agreement by ICBC Shanghai Branch, Beijing Branch and the world renowned refund agencyGlobal Refund Inc., ICBC took the lead in the country to offer Agency Duty R
22、efund for Consumption Abroad. 以工商银行上海、北京分行与世界著名退税机构环球退税公司签定“代理个人托收境外消费退税业务”协议书为标志，工商银行率先在国内开办了代理境外消费退税业务。 No matter youre a domestic or foreign resident, after consuming in over 130,000 shops with Global Refund Tax Free Shopping mark in Austria, Belgium, Denmark, Finland, France, Germany, England, G
23、reece, Holland, Iceland, Ireland, Italy, Luxemburg, Norway, Portugal, Spain, Sweden, Switzerland, Singapore, Argentina, Czechoslovakia, and so on, you can take your identification certificate, shopping receipts, and Global Refunds refund checks with Customs seal acquired from these shops to ICBC to
24、handle spot cash duty refund or collect fund from your designated account. You enjoy convenient service of consumption abroad and refund at home. 无论您 是国内居民还是外国居民，在奥地利、比利时、丹麦、芬兰、法国、德国、英国、希腊、荷兰、冰岛、爱尔兰、意大利、卢森堡、挪威、葡萄牙、西班牙、瑞典、瑞 士、新加坡、阿根廷、捷克等国家的13万多家有Global Refund “TAX FREE SHOPPING”标志的商店消费后，均可持身份证件、购物收据以
25、及从这些商店获得的加盖海关图章的Global Refund退税支票等，来工商银行办理即时现金退税业务或通过您指定的账户收取款项，享受到“境外消费、境内退税”的便捷服务。 外币定期存款Time Deposits of Lump-sum Deposit and Withdrawal 外币整存整取定期存款 Time deposits of lump-sum deposit and lump-sum withdrawal are fixed deposits that are deposited by lump-sum, and whose principal and interest are pai
26、d by lump-sum upon maturity. The terms of deposit are divided into five grades: 1 month, 3 months, 6 months, 1 year or 2 years. The Bank issues registered certificates of deposit for such deposits. 整存整取定期存款为固定存期，一次存入，到期一次支取本息，存期分为1个月、3个月，6个月，1年，2年五个档次。银行出具记名式存单。 Foreign currencies with a value not l
27、ess than the equivalent of 500 RMB yuan for a B-type deposit, or foreign currencies with a value not less than the equivalent of RMB50 yuan for a C-type deposit. Such deposit may be withdrawn fully or partially prior to maturity for once, or, upon authorization in advance, handled on agency renewal
28、of depositing upon maturity by the bank. 乙种存款为不低于人民币500元的等值外币；丙种存款为不低于人民币50元的等值外币。本存款可允许全部或部分提前支取一次，也可预约由银行代办到期转期 续存。活期存折储蓄存款 Current passbook deposit is defined as one that does not have definite term with the minimum amount of 1 RMB yuan in the account; that the depositors can make deposits or wit
29、hdrawals at any time without subject to amount limits after you are issued a deposit passbook by the savings office 活期存折储蓄存款是指不确定存期，起存金额为1元人民币，开户后由储蓄机构发给存折，凭存折存取款，存取金额不受限制的一种储蓄方式。外币携带证业务 The bank s client with foreign currency deposit account need withdraw foreign exchange and take foreign currency
30、to go abroad after his successful application for settling down abroad or visiting families, traveling, investigating or studying is approved, he can make an application to the original business office. The bank is to issue a “Foreign Exchange Holding Permit for Going Abroad ” to the client accordin
31、g to provisions. 在银行存有外币的储户，如获准出境定居、探亲、旅游、考察、学习等需要提取外币存款，携带外币出境时，可向原存款营业网点提出申请，银行将按规定签发“携带外币出境许可证”。定活两便储蓄存款 Time-demand optional deposit is defined as one that does not have a definite term with the minimum amount of 50 RMB yuan in the account; that depositors can make deposits or withdrawals at any
32、 time without subject to amount limits after you are issued a deposit certificate or deposit passbook by the savings office. The certificate of deposit has two kinds: registered or unregistered. The unregistered certificate cant be reported loss. The passbook must be registered. The registered certi
33、ficate or passbook can be reported loss. 定活两便储蓄存款是指不确定存期，起存金额为50元人民币，开户后由储蓄机构发给存单或存折，存户凭存单（折）存取款，存取金额不受限制的一种储蓄方式。存单有两种类型：记名存单和不记名存单。不记名存单不能挂失。存折必须记名，记名存单（折）可以挂失。金融英语-高级-银行业务与管理-银行业务英语：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。
34、 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 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
35、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
36、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 drawi
37、ng-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 出纳员银行基本业务： 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 yo
38、u 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 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 saving
39、s 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 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 s
40、hould 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。 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 ope
41、n 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 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
42、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 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 th
43、e 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 开户头各国货币名称中英对照：Name名称 Symbol or Abbreviation 称号或缩写 Country of Pla
44、ce 国家或地区 Afghani阿富汗尼 Af Afghanistan阿富汗 bath铢 B Thailand泰国 balboa巴波亚 B Panama巴拿马 aolivar博利瓦 b Venezuela委内瑞拉 colon（哥斯达黎加）科郎 Costa Rica哥斯达黎加 colon（萨尔瓦多）科郎 El Salvador萨尔瓦多 cordoba科多巴 C Nicaragua尼加拉瓜 cruzeiro克鲁赛罗 Cr brazil巴西 dalasi达拉西 DG Gambia冈比亚 dinar（阿尔及利亚）第纳尔 DA Algeria阿尔及利亚 dinar（伊拉克）第纳尔 ID Iraq伊拉克
45、dinar（约旦）第纳尔 JD Jordan约旦 dinar（科威特）第纳尔 KD Kuwait科威特 dinar（利比亚）第纳尔 LD Libya利比亚 dinar（也门民主人民共和国）第纳尔 YD The Peoples Democratic Republic of Yemen 也门民主人民共和国 dinar（突尼斯）第纳尔 D Tunisia突尼斯 dinar（南斯拉夫）第纳尔 DIN Yugoslavia南斯拉夫 dirham迪拉姆 DH Morocco摩洛哥 dollar（澳大利亚）元 A Australia澳大利亚 dollar（巴哈马）元 B Bahamas巴哈马 dollar（
46、百慕大）元 DB Bermuda百慕大 dollar（加拿大）元 Can Canada加拿大 dollar埃塞俄比亚）元 Eth Ethiopia埃塞俄比亚 dollar（斐济）元 F Fiji斐济 dollar（圭亚那）元 G Guyana圭亚那 dollar（香港）元 HK Hongkong香港 dollar（牙买加）元 J Jamaica牙买加 dollar（利比里亚）元 L Liberia利比里亚 dollar（马来西亚）元 M Malaysia马来西亚 dollar（新西兰）元 NA NewZealand 新西兰 dollar（新加坡）元 S Singapore新加坡 dollar（特立尼达和多巴哥 TT Trinidad and Tobago特立尼达和多巴哥 dollar（美国）元 US USA美国 dong（越南）盾 D DBVN越南民主共和国 drachma德拉克马 Dr Greece希腊 escudo（智利）埃斯库多 E Chili智利 escudo（葡萄牙）埃斯库多 Esc Portugal葡萄牙 forint福林 Ft Hungary匈牙利 franc（比利时）法郎 BF Belgium比利时 franc（布隆迪）法郎 Fbu
