书城外语生活英语会话想说就会说
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第6章 家庭理财

办理基本业务

银行是通过存款、贷款、汇兑、储蓄等业务,承担信用中介的金融机构,基本业务有开户、取款等等。银行一词,源于意大利Banca,其原意是长凳、椅子,是最早的市场上货币兑换商的营业用具。英语转化为Bank,意为存钱的柜子。在我国,之所以有“银行”之称,则与我国经济发展的历史相关。在我国历史上,白银一直是主要的货币材料之一。"银"往往代表的就是货币,而"行"则是对大商业机构的称谓。把办理与银钱有关的大金融机构称为银行,最早见于太平天国洪仁玕所著的《资政新篇》。

典型对话

1.开户

A: I want to open a current deposit account in your bank. A: 我想在贵行开一个活期存款账户。 B: Please fill in a deposit ticket and show me your passport. B: 请填写存款单,把您的护照给我看一下。 A: Okay.Is there any limit for minimum balance? A: 好的,请问有起存金额吗? B:Yes,at least 10 Yuan in your account at the same time you open it. B: 有。您在开户时至少存10元。 A: All right.Here is 100 Yuan. A: 好,给您100元。 B:You'd better input a password for safety's sake of your funds. B: 为了您的资金安全,您最好留一个密码。A:OK. A: 好的。

2.取款

A: I want to withdraw some money from my account. A: 我想取钱。 B: Please fill out the withdrawal slip.Here they are. B: 请填一下取款单。取款单就在这儿。 A: Which one? I can't talk them apart. A:哪一种纸条?我分不清。 B: The blue one.Can you complete it? B: 蓝色的。您能填吗? A: I'm afraid I can't.Would you be kind enough to help me? A: 恐怕不能。麻烦您帮我填一下好吗? B: Certainly. B: 当然。

3.提前支取

A: I have a time deposit here,maturing two months later.But I need the money for an emergency.Can I get it out now? A: 我有一张定期存单,可是要在两个月后才到期。但我有急事要用这笔钱。我能现在取款吗? B:Yes,of course.You may withdraw your funds by cashing the certificate before the maturity date. B:是的,当然。 您可以在到期之前兑现这张存单。 A: How about the interest? A:利息怎么办呢? B: According to the regulation,the interest shall be paid at the rate on a current deposit.That means you would lose interest. B: 按规定动作,利息按活期支付。这就是说,您要损失一些利息。 A: I see. A:我明白了。

4.存折挂失

A: Excuse me.I lost my passbook this morning.What should I do? A: 打搅一下。今天上午我丢了存折。我该怎么办呢? B: You can report it lost. B: 您可以办理挂失。 A: What's the procedure? A:如何办理呢? B: Please tell me the account name and number,maturity,amount and code if you have that information. B: 请给我提供有关情况,如户名、账号、存期、金额,如有密码也要告知。 A: Here you are. A:给您。 B: Please fill out the application form.Please come back to renew your passbook or get your money in seven days. B: 请填写申请单。7天后来补领新存折,也可以提现金。 A: That's very kind of you. A: 您真是太好了。

5.个人联名账户

A: My wife and I want to open an account. A: 我和我妻子想开一个账户。 B: Do you mean a joint account? B: 您是想开一个联名账户吗? A: Yes.We have a small business,so we need to manage the business fund together.Is it a current account or time account? A: 对。我们是做小生意的,所以我们需要共同管理经营资金。它是活期账户还是定期账户? B:It is both a personal fixed deposit account and current deposit settlement account. B: 它既是个人定期存款账户,又是活期存款结算账户。 A: Can I withdraw cash when I go out on business? A:我出差在外可以取款吗? B: Yes,you can,but you must be authorized by your wife. B: 可以,但须经您的妻子授权。 A: Is the amount limited? A: 金额有限制吗? B: Yes,it must be within the accumula ted withdrawal limitation authorized by our bank. B: 有的,须在我行约定的授权支取累计限额内。

6.没收假钞

A: I'd like to deposit 5,000 yuan in my account. A: 我想在我的账户上存5000元。 B: Please give me your money with the passbook. B: 请把您的钱和存折递过来。 A:All right.Here you are. A: 好,给您。 B:Oh,we find it is a counterfeit note. B:噢,我们发现这是一张假钞。 A:Really? I don't remember where I got it from.Please return it to me. A: 是真的吗?我记不起是从哪儿得来的。请退还给我吧。 B: Well,according to the regulation,a counterfeit note should be confiscated. B: 嗯,根据规定,假钞必须没收。

办理存款

西方银行制度中规定,商业银行应将其吸收的存款总额按一定比例以现金的方式保留起来,以作为储户提取存款的准备金。准备金占存款总额的比例就是准备率,由于准备率通常依法规定,因此被称为法定准备率。在实际应用中,存款准备金率并非单独应用,而是根据货币政策的目标搭配其他货币调控工具使用。现阶段中国的货币政策工具多于他国,主要有公开市场操作、再贴现率、存款准备金率、利率政策、汇率政策等八大货币政策调控工具。央行在2008年第二季度货币政策报告中称,上半年为加强流动性管理,已“基本上按照每月一次的频率”上调存款准备金率。

典型对话

1.活期存款

A:Hello! Xiao Wang,can you tell me something about current deposit? A: 您好,小王。请您给我说说活期存款业务,好吗? B: Yes.First of all,it is a service to deposit and withdraw cash anytime. B: 可以。首先,该业务可以满足随时存取款的需要。 A:Well,it is very convenient. A: 嗯,这很方便。 B:Second,it has no limitation on deposit period. B: 其次,存款无固定期限。 A: Is it convenient to deposit and withdraw? A: 存取款方便吗? B:Yes,it is.But you must deposit your money through our counter or self service devices. B: 方便啊。但您必须在我行的柜台或银行自助设备存款。

2.零存整取定期存款

A:Please let me know what installment fixed deposit is? A: 请问什么是零存款取定期存款? B: It is a service for customer to deposit a fixed sum every month and to withdraw the principal and interest at maturity wholly. B: 它是指客户按月定期存入,到期一次支取本息的服务。 A:It suits me very much. A:这很适合我。 B: Its initial amount is 5 Yuan.No restriction on deposit over the amount. B:它的起存金额为5元,多存不限。 A: What is the deposit period for it? A: 它有哪些存期呢? B:1 year,3 years or 5 years respectively.You may determine the monthly deposit amount. B: 存期分为1年、3年或5年。月存金额由您决定。

3.存本取息定期存款

A: What is Renewal and Interest Payment Deposit? A: 什么是存本取息定期存款? B:Well,it is a service where principal is deposited one time with term and interest payment date agreed.At maturity,principal is withdrawn one time and interest is paid by installment. B:嗯,存本际息是指存款本金一次存入,约定存期及取息期,存款到期一次性支取本金,分期支取利息的业务。 A: What main features has it? A: 它有哪些主要特点呢? B: It has a high initial amount. B: 起存金额较高。 A:How much? A: 多少起存呢? B: It starts at 5,000 yuan. B: 5000元起存。

4.定活两便存款

A: I want to deposit 10,000 yuan. A: 我想存10000元。 B: Do you like current deposit or time deposit? B: 您存活期还是定期? A: I'm not sure. A: 我不能确定。 B:Why? B:为什么呢? A:I prefer one year time deposit,but I am afraid that I may need the money for an emergency in the midway. A: 我想存1年,但我害怕中途可能有急用。 B:Time Demand Deposit just suits you. B: 定活两便存款正好适合您。

5.教育储蓄

A:What is education deposit for? A:教育储蓄是怎么回事? B:It is a service for non compulsory education. B:教育储蓄是为接受非义务教育积蓄资金的业务。 A: May I deposit in different times? A: 我可以分次存入吗? B: Yes,you may withdraw principal and interest one time when matured. B: 可以,而一到期可以一次支取本息。 A: What are deposit periods? A: 有什么存期? B: Deposit period is one year,three years or six years. B: 教育储蓄存期分为1年、3年或6年。

6.定期一本通

A:Xiao Li,will you tell me something about“All In One Fixed Account”? A: 小李,请您给我介绍一下“定期一本通”好吗? B: Okay.It is a comprehensive multicurrency fixed deposit account. B: 好的。它是一种综合性、多币种的定期储蓄账户。 A:Can it be used to open different kinds of fixed deposits? A: 可以办理各种定期存款业务吗? B:Yes,it can.Both in RMB and in foreign currency. B:可以。本外币都可以。 A: I am planning to deposit 500 yuan each month. A: 我打算每个月存500元。 B: Yes,you may. B: 可以。

办理外汇

外汇指的是外币或以外币表示的用于国际间债权债务结算的各种支付手段。外汇的动态含义强调交易过程,确切地说就是把一国货币兑换成另一国的货币,并利用国际信用工具汇往另一国,借以清偿两国因经济贸易等往来而形成的债权债务关系的交易过程。从静态含义的角度来解释,外汇是一种以外币表示的用于国际间结算的支付手段。

典型对话

1.有外币

A:I want to deposit some foreign currencies. A:我想存一些外币。 B: What kind of currency is it? B: 哪一种外币? A: US dollars. A:美元。 B:Do you prefer demand deposit or time deposit? B:您是想存活期还是定期? A: Would you please tell me the different interest rates? A:请告诉我活期和定期存款的利率的不同好吗? B:For a demand deposit,the rate is 1.15%,and for a time deposit,it is 3% for one year. B: 活期利率为1.15%,1年定期利率为3%。 A:Oh,they are quite different.I'd like to have a time deposit for one year term. A: 啊,相差不小。我存1年期的定期存款。

2.外币兑换

A:Do you exchange foreign money here? A: 请问你们这儿兑换外币吗? B: Yes.Our bank is authorized to deal with the foreign exchange business. B: 是。我行经授权可以办理外汇业务。 A: We can change only three kinds of currencies,US dollar,Japanese Yen and GBP in our savings office now. A:目前,我们储蓄所只能兑换三种货币,美元、日元和英镑。 B: I want to change some US dollars to cover my expenses here. B: 我想换一些美元来支付我的一些费用。 A: Please go to Counter No.2,the foreign exchange counter for it. A: 请到2号柜台,外汇柜台办理。

3.因私购汇

A: Excuse me,is this the counter for the foreign exchange purchase for personal affairs? A:请问这儿办理私人购汇业务吗? B:Yes.Do you need any foreign exchange? B: 是这儿。您需要外汇吗? A: Yes.I am going to travel abroad recently and so I want to exchange for some foreign currencies. A:对。我最近要出境旅游,想购买一些外汇。 B:According to the rules of the State Administration of Foreign Exchange,you may exchange 1,000 US dollars or equivalent if the destination is Hong Kong or Macao region,and 2,000 US dollars or equivalent elsewhere. B:根据国家外汇管理局的管理办法,如果您是到我国香港、澳门地区,可以兑换1000美元或等值外币,如果是到其他国家,可以兑换2000美元或等值外币。 A:Could you tell me how to transact the foreign exchange purchase? A:您能告诉我如何购汇吗? B:Of course.This is the handling guide for you. B:当然可以。这份购汇业务指南供您参考。

4.外币携带证业务

A: Good morning,Xiao Li.I'm going back to America to visit my relatives the day after tomorrow. A: 早上好,小李。我打算后天回美国探亲。 B: Is there anything I could do for you? B: 需要我为您做点儿什么吗? A:Yes.You see,it's about one year since I came to your country,so I'll take 10,000 US dollars back with me. A:是啊。您瞧,我来贵国大约一年了,所以我回国时要带10000美元。 B:I see.You want to ask us for issuance of a Foreign Currency Holding Certificate. B:我明白了,您想要我们出具“外币携带证”。 A:You are right. A:您说得对。

5.汇入汇款

A: A relative of mine sent me a check for 1000 US dollars.Here you are. A: 我的一个亲戚寄给我1000美元的支票。您瞧。 B: This check is drawn on Bank of America,it will take about seven days to clear. B: 这张支票的付款行是美洲银行,清算这张支票大约需要7天。 A: You mean I won't get the money for seven more days. A: 您是说我7天以后才能收到钱。 B:You are right. B: 您说得对。 A:All right.Please call me when it arrives. A:是的。钱一到就给我打电话。 B:Yes. B:可以。

6.旅行支票

A: Excuse me.Do you exchange foreign currency here? A:打扰一下,你们这里兑换外币吗? B: Yes,we do. B: 兑换的。 A: This is my travelers check.Can you cash it for me? A: 这是我的旅行支票,能兑现吗? B:Please sign your name on the bottom line and write down your address here. B: 请在支票的底端签名,并在这里写下您的地址。 A:Is that okay? A: 这样行吗? B: Yes. B: 是的。

购买股票

股票是指对某个公司的份额拥有,公司出售股票是一种不需要借款而筹资的方式。人们购买股票作为一种投资,希望通过股价上涨而获利。美国的股票交易所于1792年诞生于纽约,纽约股票交易所是美国最古老的金融市场,同时也是世界上最大的投票市场。

典型对话

1.买卖股票

A:Excuse me.Could I buy and sell shares through your bank? A:打扰一下,我能通过你们银行买卖股票吗? B:Oh,yes.You can buy and sell shares through a bank,financial adviser or stockbroker that offer a similar service,but the commission charges for buying and selling shares vary between the different organizations. B:哦,可以的。你可以通过银行、金融顾问或股票经纪人买卖股票,这些机构会给你提供相似的服务,但是不同机构买卖股票的佣金是不一样的。 A:By the way,is shareholder information available on the Internet? A:顺便问一下,股东可以在网上获得信息吗? B:Yes.Shareholders can get details of their holdings,dividends etc.on the Internet. B:是的。股东可以在网上得到股票、股息等详细的资料。

2.最近服务

A:I know that your bank has recently introduced a service on securities trading.Can you tell me the difference between your securities service and an external broker? A:我知道贵行最近推出一项股票买卖服务,你可以告诉我贵行的服务与经纪行提供的有何分别吗? B:Sir,we offer additional benefits and convenience to investors.Firstly,we provide updated information of the market.Through video monitors in selected branches,you can get up to the minute prices of stocks listed on the Stock Exchange of Hong Kong so that you can monitor shares' performance closely. B:先生,我们为投资者提供额外收益与方便的服务。首先,我们提供最新市场资料,透过在特定分行设有的电子银幕,你能取得香港股票交易所内各种股票的最新买卖价,方便你做出股票买卖的决定。 A:Can I place my order by phone? A:我可以通过电话安排买卖吗? B:Certainly,sir.You can invest by simply calling our securities hotline.Our professionally trained staff will process your order at once by forwarding them to stock brokers. B:当然可以,先生。我们特设股票买卖热线,有专人负责报价及安排股票买卖。

3.投资股票

A:Hello,Mr.Smith.It's good to meet you.Have a seat,please. A:您好,史密斯先生。见到您我很高兴。请坐。 B:Thank you.As you may know,I wanted some advice about how to invest my father's money.I have almost no experience with investments. B:谢谢。您或许知道,我父亲留了一笔钱给我,我想咨询一下该如何投资这笔钱。在投资方面,我几乎没有任何经验。 A:Well,I can understand your concern.There are many investment possibilities,and conditions fluctuate so much nowadays. A:哦,我理解您的心情。投资的选择很多,条件的变化也很大。 B:The first area I thought about was stock.My wife and I have a few shares in utility companies already,so stocks are not completely strange to me. B:我首先想到的是买股票。我和妻子已有些公用事业股,所以我对股票并不完全陌生。

4.股票知识

A:Do you know something of stocks? A:关于股票你知道什么? B:Well,we can buy the stock in the stock market.But you have to own some money and then you can open an account.You can buy and sell it in the stock market. B:我们可以在股票市场购买股票,但必须要有一些资本才能开户,然后可以在股票市场买卖股票。 A:That is A share stock.In China,we also have B share stock. A:那是A股,在中国我们还有B股股票。 B:B share stock! I have never heard of it.Is there any difference between A share stock and B share stock? B:B股,我从来都没有听说过,A股与B股有什么区别? A:Yes.Only the foreign investors can buy the B share stocks. A:只有外国投资者才能购买B股股票。

5.牛市

A:What's a bull market? A:什么叫牛市? B:It's a situation in which share prices are rising. B:牛市是指股价不断攀升的行情。 A:How does it happen? A:牛市是怎么产生的呢? B:It happens because there are many bulls in the Stock Exchange. B:其产生的原因是股票交易所里有多头。 A:What? Bulls? A:什么?多头? B:Yes, bulls. Bulls in the stock mean person who buy shares hoping to sell them soon afterwards at a higher price. B:对,多头。多头是指购买股票希望很快转手高价出售获利的人。

办理贷款

国人几千年的传统决定了国人的某些理财模式:习惯储蓄;对房屋有着非有不可的情结;不愿意借钱(贷款),鄙夷有钱不还;不习惯提前消费。而西方人往往根据按揭偿还情况,或向银行再次提出申请,要求增加房屋净值抵押贷款额度,以备不时之需;或急着把允许范围之内的资产净值提出来,趁利率低对贷款进行重组。无论贫富,正常情况下,大家按部就班偿还贷款,有财力的还会提前还款。对于西方人而言,保证一定的现金流量才能够创造更多的赚钱机会,保证自己的生活质量。面对今天的经济危机,他们的处理方式值得我们思考。

典型对话

1.小额消费贷款

A:Do you have some requirements for Petty Consumer Loan? A:你能告诉我小额消费贷款的一些规定吗? B: First of all,you should have a residence permit and a legitimate occupation. B:首先,要有居住许可证和正常的职业。 A: Yes.And I have been a cardholder of your bank for several years. A: 是的,而且我还是贵行信用卡的老客户。 B: That's okay.Then you should fill out the loan application. B:那就行,然后您就可以填写贷款申请书。 A:Is any material necessary? A:需要什么材料吗? B: Take your valid credential and testimonials of occupation and income with you. B: 带上您的有效证件、工作证和收入证明。

2.个人质押贷款

A:What is the rule on the interest rate for the Personal Pledge Loans? A: 个人质押贷款的利率有什么规定呢? B:The interest rate for personal loans pledged by CDs or treasury bonds equals that for general loans of the same grade. B:个人质押贷款利率按大额存单或国库券同档次贷款利率执行。 A:How can you calculate the interest if it is less than six months? A:如果贷款期限不足6个月的,其利息如何计算呢? B:If the length of maturity is less than six months,the interest rate shall be that for the six month loan. B:贷款期限不足6个月的,按六月期贷款档次的利率计息。 A:Can I repay it before maturity date? A: 能否提前归还呢? B: Yes,you can. B: 可以。

3.个人住房贷款

A:I'd like to know something about the personal housing loan. A:我想了解一下有关个人住房贷款的事。 B: Well.You are a permanent resident here? B: 嗯,您是这儿的常住居民吗? A: No.I have been here for investment in China from Australia. A:不是。我是从澳大利亚来中国投资的。 B:For the foreigners with the China issued passport,the temporary residence certificate or residence permit is required,as well as the certificate of local fixed residence and contact information. B: 对于持中国护照的外籍人士,需提供暂住证或居住证,并提供在当地的固定居住地、联系地址及其证明。

4.固定资产贷款

A: What is the essentials to apply for the asset loan? A:要申请固定资产贷款,重点要做什么? B: The key is to convince the bank that the item will help you to get more profits. B:关键是要使银行确信所抵押的物品有获得更多利润的能力。 A:So what are the materials needed? A:需要准备什么材料吗? B:First,you need to fill in an application form.Then you'll prepare the necessary materials such as business license,financial report for the bank to determine your credit worthiness. B:首先要填写申请表,然后准备必要材料如营业执照、财务报告等给银行进行信用评估。 A: On what aspects? A: 要评估哪些方面? B: Your long term business prospects,cash flow,profitability and capital structure. B: 长期的商业前景、资金流向、利润状况和资本结构。

5.个人汽车消费信贷

A:What is personal auto consumer loan? A:个人汽车消费贷款是怎么回事? B: It's a RMB consumer loan offered to individuals to finance the purchase of cars.Which type of car do you like? B:汽车消费贷款是向个人购买汽车发放的人民币消费贷款。您准备买什么车款? A:I'm fond of Benz car and plan to buy it from the Benz monopoly car shop of New Century Auto Trading Co.,Ltd. A:我很喜欢奔驰车,准备在新世纪汽车贸易有限公司奔驰专卖店购买。 B:Oh,the shop is one of the distributors under agreement with us. B:噢,那是我们的一家特约经销商。

6.项目贷款

A:Hello! I've a project on commercial housing now.I value it highly and must know something about project loans in detail. A:您好!我刚接手一个商品房项目,我很重视,想要细致了解一下项目贷款的相关信息。 B: There are several kinds of commercial housing development loans.Could you please talk it in detail? B: 商品房开发贷款分好几种,您能具体谈谈是关于什么方面的吗? A:Specifically,we would like to invest in the development of student apartments district. A:具体说来,我们是想投资开发学生公寓小区。 B:Ah,your idea is of great originality.Maybe you will set off wave of building student apartments district. B:嗯,这个创意比较新颖。说不定你们还会掀起一股建学生公寓小区的热潮。 A:Right.This scheme has become an important part of our company. A:对,这个计划已经成为我们公司的重头戏。

电子银行

在中国,电子银行业务是指商业银行等银行业金融机构利用面向社会公众开放的通讯通道或开放型公众网络,以及银行为特定自助服务设施或客户建立的专用网络,向客户提供的银行服务。E Bank(Electronic Bank)的建立成为大势所趋。在西方,网上银行的业务量已相当传统银行业务量的10%。目前,美国、加拿大金融机构的网上用户达到10万户以上的有十几家。在美国,目前约有450万个家庭每月至少使用一次Internet的网上银行功能或在线支付账单的功能,这个数字到2005年将上升为3350万,占美国家庭总数的31%。

典型对话

1.开办电话银行业务

A:I want to register your Phone Banking. A: 我想开办电话银行业务。 B:Do you have your personal valid credential with you? Please fill in the User Application Form of the Phone Bank Service of ICBC? B: 您带个人的有效身份证件了吗? 请您填写工商银行电话银行用户申请表好吗? A: All right. A: 好的。

2.电话查询

A:Can I inquire about my account balance by phone? A:我能通过电话查询我的账户余额吗? B: Of course.You can do it through our Phone Banking. B: 当然可以。您可以通过电话银行查询。 A:Phone Banking? What is it? A: 电话银行?怎么回事? B: It is a call center which provides you banking services through phones. B:电话银行是电话中心,它通过电话为您提供银行服务。 A: How to operate it? A: 如何操作呢? B: You can dial the number 95588,then follow the voice prompts.That's okay. B: 您拨通95588,然后按提示音操作即可。

3.手机银行

A:I'd like to be a user of your Mobile Banking? A: 我想成为贵行手机银行的用户。 B: Welcome you.Are you a GSM user? B:欢迎您。请问您是全球通移动用户吗? A: Yes.I also have a credit card of your bank. A:是。我还是贵行的信用卡用户。 B: That will do.Have you got personal valid credential and its duplicate with you? B:这就够了。您个人有效身份证件及其复印件带了吗? A: This is my provisional residence certificate,but I haven't got its duplicate. A:这是我的暂住住,但没有复印件。 B:It doesn't matter. B: 没关系。 A: Will you please tell me how to operate it? A: 请告诉我它如何操作好吗? B: This is the “USER'S GUIDE”for you.Just follow it. B: 这是给您的“使用指南”,按提示操作。

4.询问个人网上银行

A: Could you tell me something about Personal Internet Banking? A:您能给我说说个人网上银行吗? B: Yes.The Personal Internet Banking is the self service financial service on the internet for individual clients. B: 可以啊。个人网上银行是为个人客户提供的在线自助金融服务。 A: Who can apply for it? A: 谁可以申请这项业务呢? B: Any one who has a credit card can apply for the Registration of Personal Internet Banking to our bank. B:只要是有信用卡的人都可以向我行申办个人网上银行业务。 A:How to register for PIB service? A: 如何注册个人网上银行业务呢? B:The Registration procedure is simple.You just fill out the Application Form against your credentials and credit card.That will do. B: 注册手续简便。您只需要凭身份证件和信用卡,填写申请表即可。

5.通过网上银行缴费

A: How can I pay my bills through Internet Banking? A: 我如何通过网上银行缴费呢? B: First of all,please log on Personal Internet Banking. B: 首先,请登录个人网上银行。 A: It appears a dialog box after that. A: 对。您需要在用户名处输入您的卡号。 B: Need I to put into code? B: 需要输入密码吗? A: Of course.Then you hit “Agree”. A: 当然。然后点击“同意”。

6.网上银行买卖外汇

A:How can I trade FX through Internet Banking? A:我如何使用网上银行买卖外汇呢? B: At first,you should log on Personal Internet Banking. B: 首先,您应该登录个人网上银行。 A:Enter Internet Forex Trading,and I right? A:进入网上汇市,对吗? B:You are right,then choose appointed trading account. B:对,然后选择指定的交易账户。 A:Oh,there appear a lot of FX market information. A:喔,出现了许多外汇行情。 B:At this time,you may look for it and make decision. B:这时,您可以查看并做出决策。

7.自助缴费

A: I'd like to pay the water bill of this month. A: 我想缴纳本月的水费。 B: You may enjoy our self aided paying service so that you won't be waiting.Follow me,please.This is our self aided ATM of finger touching model just installed this month. B: 您可以自助缴费,就不用排队了。请跟我来。这是我行刚刚添置的触摸式自助柜员机。 A: It's very good.I am going to pay my gas fee.Let me try on it. A:真不错。我正要缴煤气费,就在这机器上试一试。

个人理财

中国现在经济虽然持续稳定发展,但毕竟还是发展中国家,中国人的理财观念并没有完全形成。对于一般的人来说,他们只是希望能够马上富起来,但俗话说欲速则不达,急迫希望能在短期之内赚钱的心态是不会获得长期回报的。因为他们是带着“投机”的心理去看、去操作,并非真正意义上的“投资”。 西方理财观念认为,不管你是不是富翁,理财都是一种你对生活的科学态度,都是对个人财务状况的一种主观上的重视。

典型对话

1.理财服务

A:What is “Personal Financing”? A: “个人理财”业务是怎么回事? B: It is a compound savings account in both RMB and Forex based on Peony Money Link Card with time or demand deposits at your option. B: 它是一种建立在牡丹灵通卡基础上,集外币、定活期存款为一体的复合型存款账户。 A:How does it finance for me? A: 它如何为我理财呢? B:We can design a multi deposit composition according to your income through the account.So you can not only enjoy deposit or withdrawal convenience,but also retain more interest than term deposit through personal financing business. B:它可以根据您的收入情况为您设计多款存期存款组合方案。通过个人理财业务,您不仅可以享受到存取款的便利,还可以获得高于定期存款的利息。 A:That's great. A: 那太好了。

2.理财通

A: Xiao Li,please give me some details of your “Financing Link”. A:小李,请您介绍一下贵行的“理财通”业务。 B: It's a kind of value added service made according to the special requirements of the holders of Sunlight Card. B: “理财通”业务是按照阳光卡持卡人要求而定制的一种增值服务。 A: How can it make personal wealth managements for a cardholder? A: 它如何为持卡人理财呢? B: It can design a superior plan for deposit portfolios based on the change of the cardholders funds. B: “理财通”根据持卡人资金使用情况,设计一种最优存款组合方案。 A: Will you conduct wealth management for me through it? A: 贵行能为我理财吗? B: Once you have a “Sunlight Card”,our designated client manager will serve you long term wealth management for free. B:您一旦拥有“阳光卡”,我行的客户经理将为您免费理财,终身服务。

3.多元化个人投资

A:Xiao Wang,I'm thinking of investing part of my money into other investment tools other than stocks and foreign currencies.Do you have any suggestions? A:小王,我在想除了股票及外币,投资部分资金在其他方面。您有何建议? B: Yes.Before that,may I know your investment amount first? B: 好的。我先问一下,您打算投资多少? A:I only have 50,000 US dollars. A:我只能投50000美元。 B:That's fine,sir.Have you ever heard about the open ended funds? B:那好,先生。您听说过开放式基金吗? A: Yes,but I don't have any knowledge about them.Can you tell me something about them? A: 听说过,但我并不了解它们,您能给我讲一讲吗? B: Certainly. B: 当然可以。

4.理财规划

A: Do you have any finance products? A:贵行有理财产品吗? B: We have a variety of finance products,such as treasury bond,fund,securities,insurance,FX trading and gold trading. B: 我行有各种理财产品,如国债、基金、证券、保险、外汇买卖、黄金买卖等。 A: What rich products! A:多么丰富的理财产品啊。 B:Our professional customer managers will recommend the right product with a plan to make your investment a success. B: 我行的专业客户经理将向您推荐具体的理财产品,全面满足您的投资理财需求。 A:How can I get these timely information? A:我如何及时得到这些信息呢? B: Our finance team will keep you informed on the news in investment markets of forex,insurance,securities and gold. B: 我行的专业理财团队将为您提供丰富的外汇、保险、证券、黄金投资市场资讯。

5.理财分析

A: Do you supply any service of financial analysis? A: 你们提供理财分析服务吗? B:Yes.You must need some help. B: 是啊,您一定需要什么帮助。 A:I want to invest in some securities.But I wonder how to get the greatest benefit. A:我想投资证券,但我想知道如何投资收益最大。 B:That is to say,you need some analysis of stock and bonds investment returns and risks. B: 也就是说您需要一些对股票与债券投资收益与风险的分析。 A:That's it. A: 正是。

6.个人黄金买卖

A:I'd like to trade Gold (ounce) /USD? A:我想买卖黄金(盎司)/美元? B:Please fill out “Gold Trading Service for Personal FX Account Application Form”. B: 请填写“个人外汇账户黄金买卖业务申请书”。 A: All right. A:好的。 B: Do you prefer immediate execution or placing order? B:您选择即时交易还是委托交易? A:Immediate execution as I think real time exchange rate is higher by now. A:即时交易,因为我觉得现在的实时汇率比较高。 B: Please confirm by singing the transaction voucher. B: 请您在交易凭证上进行确认签名。

办理银行卡

美国人很不习惯现金交易,什么都可以用卡,一卡可以走遍美国。目前,国内银行发行的带有"银联"标识的借记卡几乎都可以在美国使用。不过这项业务近两年才开始,有一些银行较早发行的借记卡在卡片背面仍然写着 “Only Valid in China”。 银行卡的办理方法也非常简单,到银行柜台填写开户申请表即可。需要注意的是:办理银行卡时需要出示本人有效身份证件。对于开户手续费,各银行的规定不同,可向银行工作人员咨询。

典型对话

1.图案

A:Why are “MasterCard”symbols on the face of Peony Card? A:为什么牡丹卡卡面上带有“MasterCard”图案? B:That's because ICBC has joined in the MasterCard International Organization in Feb.1990.And “MasterCard”is the symbol of the organization. B:因为中国工商银行已于1990年2月加入了万事达卡国际组织,成为其会员银行。“MasterCard”是该组织的标志。 A:Does it do anything with the Peony Card? A:这与牡丹卡有什么关系吗? B:Well,according to the regulations of the International Credit Card Organi

zation,every member bank must design the symbol of the organization on the face of the credit card.Therefore,there are “MasterCard”symbols on the face of the peony cards. B:嗯,根据国际信用卡组织的规定,每个会员发行的信用卡面上必须带有该组织的标志,因此,牡丹卡面上带有“MasterCard”标志。 A:Ah.I think it's the same with the VISA symbol. A:喔,看来VISA图案也是如此。

2.信用卡的好处

A:What benefits does the Peony Credit Card have for personal cardholders? A:牡丹信用卡对个人有什么好处呢? B: You can purchase first and pay later. B: 您可以先购物后付款。 A: How could I do when there is no funds in my card? A: 如果卡上没钱该怎么办呢? B: Don't worry about it.There is minimum debit amount which may be outstanding on your Peony Card for purchase use. B: 不必担心。您卡上有最低信用额度供您购物。 A: Then,how much can I overdraw my personal ordinary card? A:那么我的这张普通卡能透支多少钱呢? B:The available range is 5,000 to 20,000 Yuan. B: 透支额度由5000元至20000元供您选择。

3.申领手续

A: I'd like to apply for a Peony MoneyLink Card. A: 我想申请牡丹灵通卡。 B: You have to open a current account.First,please fill in the application form. B: 您得开一个活期账户。请先填申请表。 A: All right. A: 行。 B: Do you have your ID card with you? B: 您带身份证了吗? A: Yes,I do. A: 带了。 B: Would you mind passing them to me? B: 把它们递给我好吗? A: Here you are. A: 给您。

4.领卡

A:Hello! May I speak to John Smith? A:喂!请约翰·史密斯接电话? B:This is John Smith speaking. B: 我就是约翰·史密斯。 A: I'm Xiao Li of the Peony Card Department of ICBC. A:我是工商银行牡丹卡部的小李。 B:Hello! I just want to call on you for my card. B:您好!我正要为牡丹卡的事去找您。 A: Ah,I call you up just for this matter.We have made your card out.Please come and get it when you're free. A: 噢,我打电话给您正为此事。您的卡已办好,有空请过来拿。 B: Thank you.I will. B: 谢谢。我会的。

5.使用银行卡

A: I want to withdraw some money from my Peony Card. A: 我想从牡丹卡上取一些钱。 B: Please fill out a withdrawal slip.The red one. B: 请填写取款凭条。红色的。 A: All right. A: 好。 B: Will you give me your card with the slip? B: 请把您的牡丹卡和取款凭条给我好吗? A: Yes.Here they are. A: 行。给您。 B: Please enter your password. B: 请输入密码。 A: Okay. A:行。

6.刷卡消费

A: Excuse me,can I buy things in a supermarket with a bank card? A: 请问我可以用银行卡在超市购物吗? B: Yes.In our city' s downtown area,almost all big and middle sized department stores,supermarkets have POS selling terminals. B: 可以。在城区,几乎所有大中型的商场、超市都有POS销售终端。 A:Has any handling fee to pay when using card? A: 在刷卡消费时需支付手续费吗? B: No fee at all. B:无需支付任何手续费。 A: Is it safe? A: 安全吗? B: Yes,it is.When you pay by card,just give your bank card to cashier and enter password. B: 非常安全。在刷卡时,您向收银员提供银行卡并输入密码即可。

7.信用卡挂失

A:Good morning! Is this the Bank Card Department of Bank of China? A:早上好! 这是中行银行卡部吗? B: Yes.Is there anything I could do for you? B: 是啊。需要什么服务吗? A: Well.My Great Wall International Card is lost.I want to ask for the Emergency Assistance Service,don't I? A: 嗯,我的长城国际卡丢了,我想请求紧急援助服务,可以吗? B:Certainly. B: 当然可以。

便利银行

代理业务是指银行(代理人)接受客户(被代理人)的委托,代为办理客户指定的经济事务。在代理过程中客户的财产所有权不变,银行可运用自身的信誉、持能、信息等资源优势代客户办理各种事务,并收取手续费。

典型对话

1.取工资

A:I'd like to get my salary of this month. A:我想取本月的工资。 B: OK.Please pass me your “All In One Current Account” passbook. B: 好。请把“活期限一本通”存折递给我。 A: Here it is. A: 给您。 B: Input your password,please. B:请输入密码。 A: All right. A: 好的。

2.付电费

A:I want to pay the electricity charge.This is the Charge Card. A: 我来付电费,这是缴费卡。 B: Well...sorry to say that you cannot pay it here for overdue. B:嗯……对不起,您的缴费期已经超过,不能在这儿缴费了。 A: What should I do then? A: 那可怎么办呢? B:You have to go to the Power Supply Office for it with additional fine for delaying payment. B: 您得到供电所缴费,并支付一定的滞纳金。 A: Oh! It's inconvenient to pay various charges each month.Sometimes I am too busy to remember paying them in time. A: 哦,每个月都要缴各种费用真不方便。有时我忙得把缴费的事给忘了,不能及时缴费。

3.交电话费

A:Can I pay telephone charge through your bank? A: 贵行可以办理电话缴费业务吗? B:Yes.Would you please tell me your telephone number? B: 可以。请问电话号码是多少? A:7123456. A: 7123456。 B: 7123456.Your telephone charge is 68 Yuan in total. B:7123456。您的电话费总共68元。 A: 68 Yuan.Here is 70 yuan. A: 68元,给您70元。 B:All right.This is 2 yuan of change and the receipt of charge for you. B:好的。找您2元,这是您的缴费收据。

4.证券账户取钱

A:I want to get my money out of the fund account of the securities company. A:我想把在证券公司资金账户上的钱取出来。 B:Okay.Do you bring the passbook of Bank Securities Account Transfer? B: 可以。您带了银证转账的存折了吗? A: Yes,here is my passbook.Please check the balances in my securities account. A:是的,这是我的存折。请您帮我查一下证券账户上的余额。 B:Okay,wait a moment,please.You have a balance of 80,360 yuan in your securities account.Please fill in the transfer form from the securities to bank and the withdrawal slip. B:好的,请您稍等。您证券账户上的余额是80360元。请您填写一张证券转银行的转账单和一张取款单。 A:Here you are.I want to draw 20,000 yuan. A: 给您单子,我要取20000元。 B: Yes. B: 好。

5.支取国库券

A:I will redeem a treasury certificate for prematurity cancellation in an emergency.Here is the treasury certificate with my ID card. A:我急需钱用,想提前支取一张国库券,这是国库券和我的身份证。 B: Okay.You should pay 0.2% charge for prematurity cancellation as a rule. B: 好的。按照规定,提前支取要支付本金0.2%的手续费。 A: Really? A: 是吗? B: It is true.This 3 year treasury certificate has been over 1 year but less than 2 years. B: 是的。您这张3年期国库券已满1年未满2年。 A: OK. A: 好。

6.交税

A: Hello! Can I pay the tax at your counter? A: 您好!可以在贵行缴税吗? B: Yes,we accept the tax payment for the National Tax Bureau.Show me your tax withholding card,please. B: 是的,我们这里代收国税局的税款。请您把税收卡给我看一下。 A:Okay.Here is my card. A:好的,这是我的税收卡。 B:Oh,it is the card of National Tax Bureau.You should pay 90 Yuan of tax for last month. B: 噢,这是国税局税收卡。您上个月的应缴税款是90元。 A: Here is 100 Yuan. A: 这里是100元。

7.自动转账

A: What is auto transfer service? A: 自动转账是什么样的服务? B:It's a kind of service offered to make transfer according to your requirement. B: 自动转账是一种按照您的指定要求为您划拨资金的服务。 A:What types of services do you offer? A: 贵行提供哪些类型的服务? B: Currently,we offer 3 types of auto transfer,that is,recurring,balance top up auto transfer and trigger auto transfer. B: 自动转账服务目前包括固定周期型、余额补足型和起点触发型自动转账三种类型。 A: Oh,thanks for your explanation. A: 噢,谢谢你的解释。