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1、银行基本业务英语口语 Unit1 Daily reception 日常接待 Useful Words and Phrases 常用词汇与短语 head office 总行 branch 分行 sub-branch 支行 savings office 储蓄所 banking service manager 大堂经理 Practical Sentences and Patterns 实用句型 Hello.您好。Good morning.What can I do for you?早上好，我可以为您做些什么吗?Pardon?能再说一遍吗,Would you mind repeating your q
2、uestion,please?请重复一遍您的问题好吗,No problem.Ill do it for you right away.没问题，我马上为您办理。Please go to counter No.1.Its over there.请到一号柜台办理，在那边。Please wait a minute.请稍等。Would you mind showing me your passport?请把您的护照给我。Could you please fill in this form and sign your name here?请填写这份表格并签上您的名字。Please use Arabic n
3、umbers.请用阿拉伯数字填写。Please fill in your address and phone number here.请您在此处填写地址和电话号码。Please enter your code number.请输入您的密码。We are open for business from 8:30 a.m.to 4:30 p.m.with no break at noon.我们的营业时间是上午 8 点半至下午 4 点半，中午不休息。We are open for business all week including Saturday and Sunday.我门星期六、星期日照常营业
4、。Thank you so much.谢谢。With pleasure.不客气。Hope to see you again.欢迎您再次光临。Dialogue 对话 One Clerk:Good morning,madam.Customer:Good morning.Clerk:May I help you?Customer:Yes,I want to change some money.Clerk:This way,please.Customer:Thank you.些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您
5、的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存Clerk:Youre welcome.Two Clerk:Good afternoon,Mr.Anderson.Cust
6、omer:Good afternoon,Miss Li.Clerk:How nice to see you again!Customer:Nice to see you,too.Clerk:Its been a long time,hasnt it?How are you?Customer:Fine,thank you.And you?Clerk:Very well too,is there anything I can do for you?Customer:Yes.Could you guide me to where I can change money?Clerk:Sure,Mr.An
7、derson,please come along with me.Customer:Thank you.Clerk:My pleasure.Unit2 Opening an account 开立账户 Useful Words and Phrases 常用词汇与短语 current deposit,current account 活期存款 fixed deposit,fixed account 定期存款 fixed deposit by installments 零存整取 Practical Sentences and Patterns 实用句型 What kind of account did
8、 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?些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存
9、款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存Our minimum deposit for a current account is 1 yuan.我们活期存款的最低存款额是人民币 1 元。Here is your passbook.Please bring it
10、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。Can I open a current account here?我能否在这儿开个活期存款帐户,I should like to open a current account.我想开一个活期存款帐户。I think Id like a deposit account.我想要开个定期存款帐户。Is there any minim
11、um for the first deposit?第一次储蓄有最低限额吗,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。Dialogues 对话 One Clerk:May I help you,sir?Customer:Yes,please.Id like to open a bank account with you.Can you give me some information?Clerk:Yes,Id be very happy to help you.Usually we of
12、fer current accounts and fixed accounts for 些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员
13、利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存individuals.Customer:Oh,its almost the same in America.Clerk:What kind of account did you have in mind Customer:Well,Id prefer to open a current account.Two Customer:Could you tell me something about current accounts?Clerk:Id love to.You may open an acc
14、ount in your name.Then you can make deposits or withdrawals at anytime with presenting your passbook.Customer:Is there any minimum balance?Clerk:Yes,one yuan is the minimum balance.Customer:I see.There is one more thing Id like to know,that is,do I earn interest on the account?Clerk:Yes,of course,we
15、 pay the interest rate permitted for banks.Every quarter we credit the earned interest into your account automatically.Customer:I see.Thank you.By the way,when does the bank close?Clerk:It closes at 4:30 p.m.Customer:Thank you very much for the information.Clerk:You are welcome.Unit3 Handling deposi
16、ts and withdrawals 办理存取款 Useful Words and Phrases 常用词汇与短语 certificate of deposit 存单 deposit book,passbook 存折 些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元这是你的存折存取款时请带来保管
17、好存折遗失请告诉我们我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存account number 账号 slip 存取款凭条 to deposit 存款 deposit receipt 存款收据 to draw money 取款 drawing-out slip 取款单 to close an account,to clear an account 结清 teller,cashier 出纳员 interest rate 利率 simple
18、interest 单利 compound interest 复利 legal interest 法定利息 Practical Sentences and Patterns 实用句型 How much do you want to deposit with us?你想在我们这存多少,How much money do you plan to keep in your account on a regular basis?你计划在你的账户上定期存放多少钱,I think you may deposit your money with the bank,or leave it here for te
19、mporary safe-keeping.我认为你可把钱存入银行，或留在银行暂保管起来。I want to deposit 300 yuan in my account.我想在我的户头上存 300 元。Id like to pay 200 yuan into my deposit account.我想在在我的定期存款账户上存 200 元。Interest is paid at the rate of 0.72%per annum at present.些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯
20、数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存目前年利率是 0.72%。It varies from time to time.(利率)每个时期都不同。It allows you to
21、 earn a little interest on your money.这可使你从存款中获得一点利息。The interest is added to your account every year.每年的利息都加到你的存款中。Whats the interest rate for the current account?活期存款的利率是多少,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。Please tell me how y
22、ou wish to draw your money.请告诉我你希望怎样支款。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。I want to withdraw 200 yuan from my current account.我要从我的活期存款中支取 200 元。Could you tell me my balance?能否把存款结余金额告诉我,I want to close my account with you.些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马
23、上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存我想结束在你们这儿的帐户。Dialogue 对
24、话 One Customer:Hello!Id like to deposit some foreign currency.Clerk:which currency do you have?Customer:US dollars.Clerk:How much do you want to deposit?Customer:1000 US dollars.Clerk:Time deposit or demand deposit?Customer:Time one.Clerk:How long are you going to deposit your money?Customer:One yea
25、r.Clerk:Thats okay.Ill do that for you now.Two Customer:Excuse me,but can I draw on my account for payment of things I buy in China?Clerk:Certainly,sir.How much do you draw?Customer:RMB 8,000 please.Would you please tell me my balance?Clerk:Yes,sir.Your balance is RMB 34,000.Customer:I am sorry,but
26、may I ask one more question?Clerk:Of course,please do.What is it?Customer:What is the interest rate for the current account?Clerk:The detailed information is on the board.Please go and see it.Customer:Many thanks.Clerk:My pleasure.些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用
27、阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存Unit4 Money exchange 货币兑换 Useful Words and Phrases 常用词汇与短语 currenc
28、y,money 货币 convertible money 可兑换纸币 an exchange form 兑换单 foreign exchange 外汇 foreign exchange quotations 外汇行情 foreign exchange restriction 外汇限额 SAFE(The State Administration of Foreign Exchange)国家外汇管理局 to check the rate 查牌价 exchange rate 外汇率 buying rate 买进价格 selling rate 卖出价格 bank note 钞票 note of lar
29、ge denomination 大票 note of small denomination 小票 small change 零钱 Practical Sentences and Patterns 实用句型 What kind of currency do you want to change?请问您想要换哪种货币,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 Chinese yuan?你要把多少汇款换成人民币,If youll
30、 wait a moment,Ill find out the rates of exchange.请等一会儿，我查一下兑换率。些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存
31、取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存The buying rate of U.S.dollar notes is 699 yuan per hundred dollars.美元现钞买入价是 100 美元付 699 元人民币。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,Would you kindly sign th
32、e exchange form,and write down your name as well as address?请在兑换单上签字，写出你的姓名和地址，好吗,Could you change these dollars for me?能给我兑换这些美元吗,Id like to convert the full amount of the remittance into Renminbi.我想把全部汇款换成人民币。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.
33、dollars.请告诉我这些美元可以兑换多少钱。Id like some coins for this note.我想把这张纸币换成硬币。Could you give me some small notes?给我一些小票好吗,Dialogue 对话 些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币
34、元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存One Customer:Excuse me.Do you exchange foreign currency here?Clerk:Yes,we do.Customer:I want to convert 1000 US dollars into Chinese yuan.Clerk:This is an exchange memo.Ple
35、ase fill in the amount you intend to change along with your name,nationality,passport number and address.Customer:Whats the exchange rate for the dollars?Clerk:Todays rate for cash purchase is RMB 699 yuan for US$100 banknote.Do you have your passport with you?Customer:Yes.Here you are.How much RMB
36、will I get?Clerk:Let me see.US$1000 makes RMB 6990 yuan.Youll receive the money in a moment.Customer:No hurry.Clerk:Here is the cash and the exchange memo.Please check it.Two Clerk:What can I do for you?Customer:Yes.Id like to get some US dollars.Whats todays rate of US dollars against Chinese yuan?
37、Clerk:Its RMB 701 yuan per hundred US dollars.How much would you like to change?Customer:200 US dollars total.Clerk:Please fill out the exchange form.Customer:All right.Clerk:Would you mind showing me your passport?些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址
38、和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存Customer:Here it is.Clerk:Please wait a moment.Ill do it for you as soon as possib
39、le.Unit5 Using an ATM 如何使用自动柜员机 Useful Words and Phrases 常用词汇与短语 ATM(automatic teller machine)自动柜员机 insert the bankcard 插入银行卡 slot 卡槽 PIN(personal identification number)个人密码 amending password 修改密码 transferring money 转账 making inquiry 查询 arrow 箭头 screen 荧光屏、屏幕 the available services 能够提供的服务 CASH WITH
40、DRAWL 提取现金 ENTER 输入、确定 Dialogue 对话 One Customer:Excuse me,would you tell me how to use this ATM?Clerk:With pleasure.First,you should check whether the ATM is at work.Customer:Next step?Clerk:And then you should insert your card as shown on the screen.Customer:Do you mean to put the card into the slo
41、t of the machine?些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在
42、你的账户上定期存放多少钱我认为你可把钱存Clerk:Youre right.Then a screen message will ask you to enter your personal identification number(PIN)on the keyboard.After that,press the“ENTER”button.Be sure to remember your PIN correctly and press the right buttons.Customer:I do remember.Clerk:After you enter your PIN,you wil
43、l be asked which service you need,e.g.amending password,withdrawing money,transferring money,making inquiry.Press the button corresponding to the service required.And you may follow the arrows at the edge of the screen.Customer:I see.Thank you very much.Clerk:Finally,dont forget to take out your car
44、d.Two Clerk:What can I do for you?Customer:Excuse me,how can I get the money from the ATM?Clerk:At first,insert your bankcard and enter your PIN.Then you press the“ENTER”button.Customer:Then I will get the money from the ATM?Clerk:You see,the screen shows the available services.One of them is“CASH W
45、ITHDRAWL”.Customer:I see.I can press the“CASH WITHDRAWL”button if I want to get cash from my account.些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元这是你的存折存取款时请带来保管好存折遗失请告诉
46、我们我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存Clerk:Thats right.After you press the“CASH WITHDRAWL”button,the screen will show the sentence“How much money do you want?”Then you have to enter the amount and press the“ENTER”button again.Then yo
47、u will get the money.Customer:Thank you,I get it.Clerk:Youre welcome.Unit6 Confiscating counterfeit note 没收假币 Useful Words and Phrases 常用词汇与短语 counterfeit note 假钞 regulation 规定 be confiscated 没收 issue a receipt 开收据 confiscation receipt 没收收据 check 核对 Dialogue 对话 Customer:Id like to deposit RMB5000 yu
48、an in my account.Clerk:Please give me your money and the passbook.Customer:All right.Here you are.Clerk:Oh,we find there is a counterfeit note.Customer:Really?I dont remember where I get it.Please return it to me.Clerk:Well,according to the regulation,a counterfeit note should be confiscated.Custome
49、r:Then Ill lose a note of RMB100 yuan.些什么吗能再说一遍吗请重复一遍您的问题好吗没问题我马上为您办理请到一号柜台办理在那边请稍等请把您的护照给我请填写这份表格并签上您的名字请用阿拉伯数字填写请您在此处填写地址和电话号码请输入您的密码我们的营用词汇与短语活期存款定期存款零存整取实用句型你想开哪种帐户你想开一个活期存款帐户吗定期还是活期请告诉我你想存何种户头我们活期存款的最低存款额是人民币元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我我开个储蓄帐户需要什么手续对话办理存取款常用词汇与短语存单存折账号存取款凭条存款存款收据取款取款单结清出纳员利率单利复利
50、法定利息实用句型你想在我们这存多少你计划在你的账户上定期存放多少钱我认为你可把钱存Clerk:Its the only way we can do,but well issue you a receipt that shows the note you presented to us has been proved counterfeit and has been confiscated by our bank.Customer:I see.And Ill give you another note of RMB100 yuan.Clerk:Here is your passbook and