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1、account number 帐号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 背书人to cash 兑现to honor
2、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travelers cheque 旅行支票名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心
3、整理 - - - - - - - 第 1 页，共 22 页 - - - - - - - - - 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banker 银行家president 行长savings bank 储蓄银行Chase Bank 大通银行Citibank 花旗银行Hongkong Shanghai Banking Corporation 汇丰银行Chartered Bank of India, Australia and Ch
4、ina 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issuing bank, opening bank 开证银行advising bank, notifying bank 通
5、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 清算银行名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 2 页，共 22 页 - - - - - - - - - local bank 本地银行domestic bank 国内银行overseas b
6、ank 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c
7、redit 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 b
8、ank 特许银行corresponding bank 往来银行名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 3 页，共 22 页 - - - - - - - - - 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 cooperative
9、s 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 accounting 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
10、 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 recovery 经济复苏inflation 通货膨胀名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 4 页，共 22 页 - - - - - - - - - deflation 通货收缩devaluation 货币贬值revaluation 货币增值international
11、 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national 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
12、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discount 贴现discount rate, bank rate 贴现率gold reserve 黄金储备名师资料总结 - - -精品资料欢迎下载 - - - - -
13、- - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 5 页，共 22 页 - - - - - - - - - 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 signa
14、ture 签字式样banking hours, 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
15、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。名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 6 页，共 22 页 - - - - - - - - - Five yuan is the minimum original deposit. 最
16、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 money any time you like. Keep it well and inform us whenever you lose it.这是你的存
17、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。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.
18、 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 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？名师资料总结 - - -精品资料欢迎下载 -
19、- - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 7 页，共 22 页 - - - - - - - - - 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 deposit will be enough for opening a chec
20、kingaccount. 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, fixed account 定期存款fixed deposit by ins
21、tallments 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？名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 8 页，共 22 页 - - - - - - - - - How much money d
22、o 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, g
23、iving the sum of money youre 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。Id like to pay 200 yuan into my deposit account. 我想在在我的定
24、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 I can cash a cheque here. 我想知道我能否在这兑换支票。名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 9 页，共 22 页 - - - - - - - - - Will you please cash this travelers cheque? 请兑现这张旅行支票好吗？Id like to cash
25、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 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 i
26、f 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。名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 10 页，共 22 页 - - - - - - - - -
27、Please 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
28、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 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
29、principal 本金名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 11 页，共 22 页 - - - - - - - - - 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 che
30、que 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，银票银行英语口语取款、结余名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - -
31、 - - - - - - - 名师精心整理 - - - - - - - 第 12 页，共 22 页 - - - - - - - - - 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 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
32、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 you can draw on this account by cheque in payment of goods. 我以为你可用支票
33、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。名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 13 页，共 22 页 - - - - - - - - - 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
34、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
35、 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 出纳员名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 14 页，共 22 页 - - - - - - - - - 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 wan
36、t 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 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
37、 travelers cheques? 换旅行支票吗？名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 15 页，共 22 页 - - - - - - - - - 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 and address? 请在兑换单上签
38、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 cha
39、nge. 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? 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - -
40、 - - - 名师精心整理 - - - - - - - 第 16 页，共 22 页 - - - - - - - - - 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？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
41、. 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 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
42、吗？名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 17 页，共 22 页 - - - - - - - - - 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ni
43、ckel 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 is. 请告诉我年利率是多少。Interest is paid at the rate of 1% per annum at presen
44、t.目前每年的利率是1% 。名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 18 页，共 22 页 - - - - - - - - - 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
45、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 su
46、bsidy rate for value-preserved savings 保值储蓄补贴率名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 19 页，共 22 页 - - - - - - - - - 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。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 dol
47、lar 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
48、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? 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 20 页，共 22 页 - - - - - - - - - 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。What
49、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
50、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. 名师资料总结 - - -精品资料欢迎下载 - - - - - - - - - - - - - - - - - - 名师精心整理 - - - - - - - 第 21 页，共 22 页 - - - - - - - - - 今天的兑换率是一英