书城外语财务人员英语看这本就够
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第8章 在银行In the Bank(2)

A: Ok. Here’s your money: the 50-yuan notes, the 10-yuan notes and the small changes.

B: Thank you. I’ve also got some Japanese yen. I wonder if you change it for me.

A: Certainly, how much do you have

B: Ten thousand yen.

A: A minute, please. I will check the rate of exchange.

sorry to have kept you waiting. Here is your Chinese currency.

B: Thank you.

A: You are welcome. Wish you a very pleasant journey.

A:早上好,兑现金吗?

B:是的,我想把这些美元兑换成人民币。

A:来让我看一下,您带有效证件了吗?

B:是的,护照可以吗?

A:可以的。

B:给你。

A:谢谢,请在这个表格上签字。

B:好的,您能给我20张50元的钞票和100元零钱吗?

A:好的,像你这样的旅行者都很匆忙。

B:对的。

A:好了,这是您的钱:50元的,10元的,还有一些零钱。

B:谢谢,我也需要兑换一些日元。不知您能否为我兑换?

A:当然可以,您有多少?

B:一万日元。

A:请等一分钟。我去查一下兑换率。对不起让您等了几分钟,这是您的人民币。

B:谢谢。

A:不用谢,祝您旅途愉快。

note[nut]n. 钱

tourist[tour·ist]n. 旅行者

change[tend]n. 零钱

汇率是指一种货币相对于另一种货币的价值。例如,对于人民币而言,往往用其他主要的货币来报价。如美元、英镑或者欧元。

货币的价格取决于货币市场的供需关系,这种关系受许多因素的影响,包括利率的微分,相对通货膨胀,出口竞争,经济增长,赤字和债务。对于大多数发达国家来说,他们一般实行浮动汇率,即货币价格根据市场形势的变化而变化。对于大多数发展中国家来说,他们每天根据其他的可自由兑换的货币来调整汇率。

在世界货币中心的外汇市场,美元、英镑、欧元等主要自由兑换货币之间的汇率是不断变化的。如果一种货币得势,汇兑其他货币汇率上浮,就称之为“升值”,如果失势,汇率对其他货币汇率下浮,则称之为“贬值”。

贷款 Loan

loan[lun]n. 贷款

creditor[kredt(r)]n. 债主

budget[bdt]n. 预算

guarantor[grnt(r)]

n. 担保人,保证人

instant[nstnt]adj. 立即,马上

leaflet[liflt]n. 传单

property[prpt]n. 财产,房产

flexible[fleksbl]adj. 灵活的

repayment plan 还款计划

free of charge 免费

commercial loan 商业贷款

personal consumption loan

个人消费信贷

collateral n. 抵押品,担保物

monthly salary 月薪

down payment 分期付款的首期款

meet one’s debts 偿还贷款

temporary agreement 临时协议

postpone the repayment 延期还款

repay in advance 提前偿还

pay off the debt 还清债务

mortgage loan 抵押借款

real estate 不动产,房地产

1. He obtains outside financing mainly by bank loan.

他主要通过银行贷款来筹措资金。

obtain[bten]v. 获得

2. Any form of lending entails risk.

任何形式的贷款都会招致风险。

entail[ntel]带来

3. The interest on this loan is charged at 5 percent.

这笔贷款要支付5%的利息。

interest[ntrst]n. 利率

charge[tɑd]v.支付

4. The bank must make some certain investigations before loaning to you.

在贷款给你们之前,银行必须进行一些必要调查。

investigation[nvest"gen]n. 调查

5. Cheap long-term credit is favorable for small business.

低利息的长期贷款更受小型企业欢迎。

favorable["fevrbl]adj. 有利的

A: Good morning, sir. May I help you

B: I want to borrow about twenty-five thousand dollars in these two days.

A: I see. Would you mind telling me your monthly salary

B: Five thousand five hundred dollars per month.

A: Yes, sir. I suggest you apply our personal loan scheme which offers you a high credit amount.

B: Well, how much can I borrow

A: You can borrow up to one hundred and fifty thousand dollars or five times your monthly salary.

B: It sounds good. Have you got leaflet describing the repayment plan in details

A: Sure, here you are. You can also choose a flexible repayment plan for easy budgeting.

B: Thank you. By the way, is it necessary to have a payroll account instantly

A: No sir, not even a guarantor. Besides, no arrangement fee is required.

B: I see. Let me consider it for one day. Will you confirm approval instantly

A: Yes, sir. You can simply complete the application form and bring it along with the required documents to any branches.

B: Well, thank you very much.

A: It is my pleasure.

A:早上好,先生,需要帮忙吗?

B:我想在这两天借2.5万美元。

A:我明白了,您能告诉我您的月收入吗?

B:每月5500美元。

A:好的,先生,建议您申请高债权金额私人贷款计划。