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1、Banking English,Banking English,Frequently-Handled Banking Businesses for Foreigners:Account Services：Opening Accounts（Passbook,Debit Cards,Online banking）Handling Counterfeit Notes Loss-ReportingATM problemsBankcard Business：Cash Withdrawal with Foreign CardForeign Exchange：Foreign banknotes into R
2、MB，cashing travelers checksFCY purchase（1）Foreign travelers or short-term visitors to China（FCY purchase limit is within 500 US dollars）（2）expatriates working in ChinaOutward remittance（overseas remittance,money transfer to other cities in China）,Banking English,营业部经常遇到的外籍人士办理的业务：帐户服务：新开账户（存折、借记卡、网上
3、银行）假币处理挂失处理ATM机交易故障（吞卡处理等）银行卡：外卡取现外币兑换：结汇：外币现钞兑换人民币，旅行支票兑付购汇（1）来中国旅游、短期来华外籍人士购汇（500美元限额）（2）在华工作的外籍人士购汇对外汇款（境外汇款、向外省市汇款）,Banking English,Accounts Services 帐户服务Different Accounts Opening Accounts(Passbook,Debit Cards)Closing accounts(cancel)freeze an account?Deposits&WithdrawalsHandling Counterfeit No
4、tesHandling Loss-Reporting(card,PIN,passbook),Accounts-帐户类别RMB a/c foreign currency a/c(FCY)foreign exchange a/c foreign cash a/ccorporate account Personal account,Banking English,Accounts-帐户类别 活期乙种外币活期存款 FCY deposits 外币包括：美元、欧元、日元、港币、英镑、加拿大元、澳大利亚元、瑞士法郎、新加坡元和澳门元(仅限广东省)。,Banking English,Accounts-帐户类别
5、 活期乙种外币活期存款 FCY deposits 外币包括：美元、欧元、日元、港币、英镑、加拿大元、澳大利亚元、瑞士法郎、新加坡元和澳门元(仅限广东省)。You can have different currencies in one passbook,such as RMB,US Dollar,Euro,Japanese Yen,Hongkong Dollar,Pound Sterling,Canadian Dollar,Swiss Franc,Australian Dollar,Singapore dollar and Macau Pataca.,Banking English,Banki
6、ng English,Banking English,Banking English,Accounts-帐户类别 活期Savings account,demand deposit,current accountpassbook for current account in RMB and FCY比较：（国外）checking account（checkbook）（国外）savings account(Non-interest-bearing account),Banking English,Passbookpassbook=bankbook=account bookWe will issue
7、you a passbook.You can deposit and withdraw against the passbook.All transaction items will be posted in the passbook.银行：Let me help you update your passbook.客户：Would you check the balance for me?银行：Certainly.Oh,yes,the money is already there.Here is your updated passbook.,Banking English,Accounts-帐
8、户类别 活期RMB savings accountPersonal Settlement Account（办理和使用电子借记卡、开通电话银行、网上银行等电子渠道服务，代缴纳电话、手机、水电煤气等各种公用事业收费、ATM取现、商户消费等）,Banking English,Accounts-帐户类别 活期个人人民币活期储蓄存款账户Savings AccountPersonal Settlement Account个人人民币结算账户Linked with Debit Card银行：You can link savings account with credit card account,teleph
9、one banking account,internet-banking accountYou can enjoy agency payment service for telephone bills,water,gas,electricity bills.,Banking English,BillWould you please settle the bill?请付账.银行：How would you like your money?客户：Can I have it all in one-hundred-dollar bills?foreign bill for collection 外币票
10、据托收Clean bill 光票,Banking English,Accounts-帐户类别 Fund accountMargin accountPayroll accountReserve accountStructured depositForeign Currency Linked Principal-Protected Structured DepositInterest Rate Linked Principal Protected Structured Deposit,Banking English,Accounts-帐户类别-对公帐户种类basic deposit account
11、general deposit accounttemporary deposit accountspecial deposit account,Banking English,Accounts-帐户类别-对公帐户种类basic deposit account 基本存款帐户general deposit account 一般存款帐户temporary deposit account 临时存款帐户special deposit account 专用存款帐户,Banking English,Account-帐户类别 定期time deposit=fixed deposit account=term
12、deposit 定期存款的形式 All-in-One Passbook for time deposit in RMB and FCYCD account(certificate of deposit)Courtesy CD客户：Can I cash the certificate before the maturity date?,Banking English,Certificatecertificate of deposit income certificate tax completion certificate Employment contract 比较：Slipreceipt,B
13、anking English,Account-帐户类别 定期储蓄存款的品种：Time Deposit of Lump-sum Deposit and Withdrawal 起存：人民币存款RMB50元，乙种外币存款为不低于RMB500元的等值外币Call/notice deposit account 起存：RMB50，000元或美元1，000元客户：Is there any minimum sum for 7-day call deposit?银行：Yes.The minimum sum is 500,000 US dollars.,Banking English,Account-帐户类别 定
14、期储蓄存款的品种：Time or current optional deposit：起存：RMB50元（仅RMB存款）Principal-receiving and Interest Withdrawing Time Deposit：起存：RMB5，000元（仅RMB存款）Time Deposit of Small Savings for Lump-sum Withdrawal：起存：每月5元起存（仅RMB存款）Educational Deposit：起存：50元，最高为20，000元（仅RMB存款）,Banking English,Accounts-客户开立活期的需求：Client:我能在你
15、们银行开立一个随时可以存取款的户头吗?Teller:当然可以。您可以开立一个活期帐户。,Banking English,Accounts-客户开立活期的需求：Client:Can I open an account here so I can deposit and withdraw any time I want?Teller:Certainly.You can open a current account with our bank.,Banking English,Opening Accounts 新开户告知客户若需要开立借记卡户，必须本人办理Opening a debit accoun
16、t must be handled by the account holder himself.若办理非预制卡，需提醒客户7天后本人携带证件领卡，不可代办。If you dont want to have a ready-made debit card,you need to come to our bank again seven days from now to collect the new card yourself with our valid passport.,Banking English,Accounts-帐户类别 活期The customer may deposit or
17、withdraw funds freely at any business outlets of Bank of China against a six-digit password.请为您的帐户设置六位数字的密码。并两次输入密码。,Banking English,Banking English,PasswordSecret codeWithdraw by password 凭密码取款I want to draw money against PIN number.What is the exchange rate for USD against RMB?PIN:personal identif
18、ication number 密码Please enter a six-digit PIN number twice.Key in,input,Accounts-帐户类别 活期预留密码方可通存通兑The customer may deposit or withdraw funds freely at any business outlets of Bank of China against a six-digit password.请为您的帐户设置六位数字的密码。并两次输入密码。Please set a six-digit password for your account.Would you
19、 please input/enter your password/PIN number twice?,Banking English,Accounts-客户开立活期：要求客户填写开户申请书Application Form for Opening Personal Settlement Account deposit slip,Banking English,Accounts-客户开立活期：审核客户有效证件Can I have your passport,please?（1）存款实名制：不得使用匿名或假名开户deposit in the name of the depositor开户申请书可以
20、由本人或代办人填写如果开立个人结算账户，必须由本人代理，不得代办I am sorry,you cant entrust someone else to open personal settlement account.You must open personal settlement account in person.（2）证件的有效性：外国公民有效护照Can I have your passport,please?,Banking English,Banking English,ID-要求客户出示有效身份证件valid ID：-May I have your passport,please
21、?Would you please show me your passport?对私：PassportTemporary/permanent Foreign Residence Certificate对公：Business License营业执照seal card 印鉴卡 Enterprise Standard Code Certificate企业标准代码证签章sealSeal Card 印鉴卡companys business seal单位公章 corporate seal法人章 special financial stamp财务专用章Please remember to stamp the
22、m with your corporate seal.,Accounts-客户开立活期：Initial deposit=first depositThe minimum initial deposit of RMB deposit is RMB 1.The minimum initial deposit of foreign currency deposit is RMB 100 or its equivalent foreign exchange.,Banking English,Accounts-客户开立活期：比较minimum balance银行：For a FCY statement
23、savings account,a monthly service fee of USD15(or equivalent)will be applicable if the average balance in the account is less than USD50,000(or equivalent).,Banking English,Accounts-客户开立活期：审核开户申请书要素是否齐全,Banking English,Accounts-客户开立活期：现金存款唱收偿付，并清点现金（核对数量，辨别真伪）,Banking English,Amount-货币金额的朗读银行卡挂失手续费为
24、15元。我想把剩余的2050欧元存入帐户。3500加元5千人民币，存三个月这是五千美金。您的帐户中只有4020.58 英镑。我想开个外币帐户。这是1万澳元。当前美元活期存款利率为1.15%。,Banking English,Amount-货币金额的朗读The charge for bankcard loss reporting is 15 yuan.I want to deposit the remaining 2050 Euros in the account.3500 Canadian dollarsHere is 5,000 dollars.There is only 4020.58 p
25、ounds in your account.I want to open a FC account.Here is 10000 Australian dollars.The USD savings account rate is 1.15%at the moment.,Banking English,Accounts-客户开立活期：（打印存折，打印存款凭条后，核对后）请客户核对凭条内容，并签字确认Would you please check the deposit slip and sign your name on it?,Banking English,Accounts-客户开立活期：交还
26、客户存折，回单，证件，提醒客户核对物件和金额Here is your passbook,passport and the slip.Please have a double check.,Banking English,Accounts-客户开立活期：开户申请书可以由本人或代办人填写如果开立个人结算账户，必须由本人代理，不得代办银行：本项业务不能代办。必须亲自本人办理。Agent,Banking English,Accounts-客户开立活期：开户申请书可以由本人或代办人填写如果开立个人结算账户，必须由本人代理，不得代办I am sorry,you cant entrust someone e
27、lse to open personal settlement account.You must open personal settlement account in person.银行：本项业务不能代办。必须亲自本人办理。I am sorry,but you cant handle the business on agency.You must come to our bank to do the business in person.Agent,Banking English,Banking English,Account-帐户类别 定期存期 Termdeposit term=depos
28、it period 比较：the term of the credit card:valid periodthe term of the loan,Banking English,TermThe deposit terms for FCY are one month,three months,six months,one year and two years.Pls select a deposit term before you open an a/c.,Banking English,MaturityFixed maturityupon/at maturity maturity date=
29、due datebefore maturity datea matured certificate of time depositThe time deposit will be automatically renewed upon maturity.,DueWithdraw when dueBefore the due dateOverduedue to communication cut-off,Banking English,Banking English,Accounts Services 帐户服务Making Deposits 存款,Banking English,Deposit 存
30、款Put，place money in the account，parkYou can use the debit card to deposit and withdraw in any BOC outlet all over China.Cross-bank deposit&withdrawalrent a safe deposit boxInitial deposit=first deposit客户：I want to deposit some foreign currency.银行：Do you prefer demand deposit or time deposit?,Banking
31、 English,Deposit 存款 利息入帐：We will credit interest to your account every quarter.The interest is added to your account every quarter.,Banking English,Renew 续存automatic renewal upon maturityIf you do not withdraw your money upon maturity,the principal plus interest will be automatically renewed accordi
32、ng to the same deposit term.Upon maturity,you can renew the principal then the interest will be transferred to your savings account.or you may renew both the principal and interest.比较：After you report loss of your password,we will renew your account in seven days.,Banking English,Accounts Services 帐
33、户服务Making Withdrawal 取款,Banking English,取款withdraw/draw/take out cash from my VISA cardThe cash withdrawal charge is 3%of the amount you withdraw,and it is deducted automatically from your card.This is the standard charge of VISA and MASTER organization.客户：Can I withdraw money before the due time if
34、 I have an urgent need?Draw before maturitymake an early withdrawalwithdraw in part/in fullPlease sign your name on the deposit slip.,Banking English,draw-What can I do for you?-I want to withdraw 50,000 yuan from my debit card.-Have you made a notice in advance?-Yes.,Banking English,取款overdrawThis
35、account is not allowed to be overdrawn.overdraft fee,Banking English,Limitcash withdrawal limit from ATMs:*2,500 yuan each time*The total amount of withdrawal per day can not exceed 20,000 yuan.surge limit vs.decline limit credit limit=credit line,Banking English,Accounts Services 帐户服务Closing Accoun
36、ts 销户（cancel）,Close销户 销户日利息计算：If the savings account is closed before the date of interest settlement,the interest is calculated up to the day before the account closing date at the interest rate for current deposits quoted for the closing date.Closed-end funds,Banking English,Banking English,Accoun
37、ts Services 帐户服务Loss Reporting of(Passbook,Debit Cards,PIN number,CD),Banking English,Loss-口头挂失客户：My card is stolen/missing.银行：Have you reported loss of your card by phone to make temporary loss-reporting?If you make loss reporting ASAP,by telephone or OTC,Your money will be safe.,Banking English,Lo
38、ss 正式挂失银行：You should immediately dial customer service hotline first for informal loss-reporting.Then you need to come to the account-opening bank to make formal loss-reporting.Please fill in the loss-reporting form.,Banking English,Loss 挂失处理及费用Dont worry.Your money is still there.There is no consum
39、ption or withdrawal record in your account yet.I have made the stop-payment for your account.The charge for loss report of debit card is 15 yuan.Replace a new card/passbook,Banking English,Loss 案例-挂失存折 Reporting a lost passbook-Excuse me.I lost my passbook this morning.-很遗憾。您是想办理挂失吗？-Yes.-可以看一下您的护照吗
40、?.,Banking English,Accounts Services 帐户服务Checking Balance 查询帐户余额,Checking Balance柜台查询余额：客户：Can you check the balance in my card?银行：Sure.Wait a moment,please.Youve got a balance of$600 in your account.客户：Ive got a current account in pound sterling and Id like to know how much the balance is.银行：Ok.Hav
41、e you got your passport and the account number,please?银行：One moment,please.Ill check it for you.You have a credit balance of 282 pounds.银行：Your funds are still available.,Banking English,Banking English,Accounts Services 帐户服务Self-Service Banking Machines 自助银行设备,Banking English,Logo 标识客户：I have this
42、card issued by Bank of America.Can I draw money from this machine?银行：You need to check the logo on your card with the one on this ATM.,Machine-self-service banking machines:CDM:ATM:PUM:cash counting machineDont worry.We have both English and Chinese instructions on ATMs.,Banking English,Banking Engl
43、ish,Tellerbank teller/clerk/cashierautomatic teller machinefortune teller,Checkpersonal checkforeign checkpayroll checkchecking accounttravelers checkBounce the check=dishonor the check,Banking English,CheckCan you help me check my balance?My friend wired me some 100 pounds.Can you check the money for me?Here is your money.Please check it.KYCWe need to check your ID.=verify,Banking English,Banking English,Slip deposit slip 存款单withdrawal slip 取款凭条remittance slip 汇款单At the time of depositing and withdrawing,the customer can enjoy slip-free service.,
