銀行英語(yǔ)口語(yǔ)-Negotiation詞匯
銀行英語(yǔ)口語(yǔ)－Negotiation押匯
C: Excuse me, do you provide any trade service here?
你們有提供貿(mào)易押匯服務(wù)嗎？
T: Yes, we do. Can I help you, sir?
有的，先生。我能為你效勞嗎？
C: Yes, I'd like to know how about the services you provide to customers in which credit facilities are not required?
我想知道你們提供給客戶無(wú)須信貸安排的服務(wù)有那些項(xiàng)目？
T: Certainly, sir. The services will include export financing; outward bills collection transferable letters of credit, letters of credit advising and confirmation, inward bills collection, trade information and insurance.
那當(dāng)然可以，先生。服務(wù)范圍包括出口貸款，出口單托收，信用證轉(zhuǎn)讓，信用證通知及確認(rèn)，進(jìn)口單托收，貿(mào)易資料及保險(xiǎn)服務(wù)。
C: How can I benefit from your export services?
那么在出口押匯文件的處理上，我所享有的服務(wù)有怎樣？
T: Our staff works until 6:00pm each weekday night so that your export documents can be promptly processed. This will greatly help your cash flow. In addition, we can dispatch documents to your counterparty's bank for earlier payment. In turn, will save your transit interest.
我們的職員每日能為您服務(wù)到下午6點(diǎn)，確保各出口押匯文件可及時(shí)辦妥，使你的現(xiàn)金周轉(zhuǎn)更加靈活。同時(shí)，由于我們能助你將單據(jù)盡早遞送到你的業(yè)務(wù)伙伴的銀行及收取有關(guān)款項(xiàng)，所以能使你縮減利息開(kāi)支。
C: By the way, can I fax my instruction to your bank?
那么，我可以將押匯指示以傳真方式通知貴行嗎？
T: Sure, this is what we always encourage our customers to do. Besides, as we have an advance-computerized system to process the documents efficiently and accurately, you can use our electronic facilities for trade transactions
當(dāng)然可以， 我們一直鼓勵(lì)客戶這樣做。此外，由于我們?cè)O(shè)有先進(jìn)的電腦系統(tǒng)，能有效率及準(zhǔn)確地處理貿(mào)易文件，所以，你也可透過(guò)我們的電子銀行服務(wù)進(jìn)行各項(xiàng)押匯交易。
C: Can your bank provide training or seminars on trade documentation to our company? As we note that it is very difficult to train new staff.
貴行會(huì)向我們提供有關(guān)貿(mào)易單據(jù)處理的培訓(xùn)班和講座嗎？因?yàn)槲覀冊(cè)谟?xùn)練新職員時(shí)常遇到這方面的問(wèn)題。
T: Yes, we do. This service will be subject to your request.
我們會(huì)的。這服務(wù)將根據(jù)你們的需要和要求而定。
C: Okay. I'll think about it seriously and will probably contact you again later. Thanks a lot!
好的，我將詳細(xì)考慮這項(xiàng)服務(wù)，我會(huì)再聯(lián)絡(luò)你，謝謝！
T: Not at all!
不用客氣！
Negotiation 押匯
C: Excuse me, do you provide any trade service here?
你們有提供貿(mào)易押匯服務(wù)嗎？
T: Yes, we do. Can I help you, sir?
有的，先生。我能為你效勞嗎？
C: Yes, I'd like to know how about the services you provide to customers in which credit facilities are not required?
我想知道你們提供給客戶無(wú)須信貸安排的服務(wù)有那些項(xiàng)目？
T: Certainly, sir. The services will include export financing; outward bills collection transferable letters of credit, letters of credit advising and confirmation, inward bills collection, trade information and insurance.
那當(dāng)然可以，先生。服務(wù)范圍包括出口貸款，出口單托收，信用證轉(zhuǎn)讓，信用證通知及確認(rèn)，進(jìn)口單托收，貿(mào)易資料及保險(xiǎn)服務(wù)。
C: How can I benefit from your export services?
那么在出口押匯文件的處理上，我所享有的服務(wù)有怎樣？
T: Our staff works until 6:00pm each weekday night so that your export documents can be promptly processed. This will greatly help your cash flow. In addition, we can dispatch documents to your counterparty's bank for earlier payment. In turn, will save your transit interest.
我們的職員每日能為您服務(wù)到下午6點(diǎn)，確保各出口押匯文件可及時(shí)辦妥，使你的現(xiàn)金周轉(zhuǎn)更加靈活。同時(shí)，由于我們能助你將單據(jù)盡早遞送到你的業(yè)務(wù)伙伴的銀行及收取有關(guān)款項(xiàng)，所以能使你縮減利息開(kāi)支。
C: By the way, can I fax my instruction to your bank?
那么，我可以將押匯指示以傳真方式通知貴行嗎？
T: Sure, this is what we always encourage our customers to do. Besides, as we have an advance-computerized system to process the documents efficiently and accurately, you can use our electronic facilities for trade transactions
當(dāng)然可以， 我們一直鼓勵(lì)客戶這樣做。此外，由于我們?cè)O(shè)有先進(jìn)的電腦系統(tǒng)，能有效率及準(zhǔn)確地處理貿(mào)易文件，所以，你也可透過(guò)我們的電子銀行服務(wù)進(jìn)行各項(xiàng)押匯交易。
C: Can your bank provide training or seminars on trade documentation to our company? As we note that it is very difficult to train new staff.
貴行會(huì)向我們提供有關(guān)貿(mào)易單據(jù)處理的培訓(xùn)班和講座嗎？因?yàn)槲覀冊(cè)谟?xùn)練新職員時(shí)常遇到這方面的問(wèn)題。
T: Yes, we do. This service will be subject to your request.
我們會(huì)的。這服務(wù)將根據(jù)你們的需要和要求而定。
C: Okay. I'll think about it seriously and will probably contact you again later. Thanks a lot!
好的，我將詳細(xì)考慮這項(xiàng)服務(wù)，我會(huì)再聯(lián)絡(luò)你，謝謝！
T: Not at all!
不用客氣！
會(huì)計(jì)賬目用語(yǔ)
會(huì)計(jì)報(bào)表
statement of account
往來(lái)帳目
account current
現(xiàn)在往來(lái)帳||存款額
current accout
銷貨帳
account sales
共同計(jì)算帳項(xiàng)
joint account
未決帳項(xiàng)
outstanding account
貸方帳項(xiàng)
credit account||creditor account
借方帳項(xiàng)
debit account||debtor account
應(yīng)付帳||應(yīng)付未付帳
account payable
應(yīng)收帳||應(yīng)收未收帳
account receivable
新交易||新帳
new account
未決帳||老帳
old account
現(xiàn)金帳
cash account
流水帳
running account
暫記帳||未定帳
suspense account
過(guò)期帳||延滯帳
overdue account||pastdue account
雜項(xiàng)帳戶
sundry account
詳細(xì)帳單||明細(xì)表
detail account
呆帳
bad account
會(huì)計(jì)項(xiàng)目
title of account
會(huì)計(jì)薄||帳薄
account-book
營(yíng)業(yè)報(bào)告書||損益計(jì)算表
account of budiness||business report
借貸細(xì)帳||交驗(yàn)帳
account rendered
明細(xì)帳
account stated
與... 銀行開(kāi)立一戶頭
to open an account with
與... 銀行建立交易
to keep account with
繼續(xù)記帳
to keep account
與... 有交易
to have an account with
作成會(huì)計(jì)帳||有往來(lái)帳項(xiàng)
to make out an account with
清算||清理債務(wù)
to make up an account
清潔帳目||與... 停止交易
to close one's account with
結(jié)帳
to close an account
清理未付款
to ask an account||to demand an account
結(jié)清差額
to balance the account with
清算
to settle an account||to liquidate an account||to square an account
審查帳目||監(jiān)查帳目
to audit an account
檢查帳目
to examine an account
轉(zhuǎn)入A的帳戶
to charge the amount to A's account
以計(jì)帳方式付款
to pay on account
代理某人||為某人
on one's account||on account of one
為自己計(jì)算||獨(dú)立帳目
on one's own account
由某人收益并負(fù)風(fēng)險(xiǎn)
on one's account and risk||for one's account and risk
由某人負(fù)擔(dān)
for one's account||for account of one
按某人指示||列入某人帳戶
by order and for account of one
列入5月份帳目
for May account
編入某中帳項(xiàng)下
to pass to the account of||to place to the account of
寄出清算書
to send in an account||to send in render an account
銀行英語(yǔ)口語(yǔ)－回答客戶問(wèn)題
Customer: Excuse me , but can I draw on my account for payment of things I buy in China ?
顧客：勞駕，請(qǐng)問(wèn)我能不能提取存款嘗付我在中國(guó)買東西的費(fèi)用？
Clerk: Certainly, sir. How much do you draw?
職員：當(dāng)然可以，先生。您要取多少錢？
Customer: RMB 8,000 please. Would you please tell me my balance?
顧客：請(qǐng)給我人民幣8，000元。請(qǐng)把我?guī)ぬ?hào)上的節(jié)余金額告訴我好嗎？
Clerk: Yes, sir. Your balance is RMB 34,000.
職員：好的，先生。你的'帳戶余額是人民幣34000元。
Customer: I am sorry, but may I ask one more question?
顧客：對(duì)不起，我能不能再問(wèn)一個(gè)問(wèn)題？
Clerk: Of course, please do. What is it?
職員：當(dāng)然可以了。請(qǐng)問(wèn)是什么問(wèn)題？
Customer: What is the interest rate for the saving account?
顧客：儲(chǔ)蓄存款的利率是多少？
Clerk: The detailed information is on the board. Please go and see it.
職員：詳細(xì)的情況在那塊利率牌上。請(qǐng)去那里看看吧。
Customer: Many thanks.
顧客：非常感謝。
Dialogue Tow
對(duì)話（2）
Customer: Excuse me, but could you help me?
顧客：對(duì)不起，能幫我一個(gè)忙嗎？
Clerk: With pleasure. What can I do for you?
職員：很高興為您效勞。我能為您做些什么？
Customer: Could you tell me where I can find Mr Zhang?
顧客：請(qǐng)告訴我張先生在哪里，好嗎？
Clerk: Sure Miss. Mr Zhang is upstairs.
職員：沒(méi)問(wèn)題，小姐。張先生在樓上。
Customer: Thank you very much.
顧客：非常感謝。
Clerk: Not at all, miss.
職員：不客氣，小姐。
Dialogue Three
對(duì)話（3）
Customer: Do you charge for cheques?
顧客：請(qǐng)問(wèn)，兌換支票你們收手續(xù)費(fèi)嗎？
Clerk: Yes we do. Each cheque you write will cost RMB 2.
職員：是的，我們收手續(xù)費(fèi)。您每開(kāi)一張支票就要花人民幣2元。
Customer: Do I have to deposit a large sum of money if I want to open a chequing-savings account?
顧客：如果我要開(kāi)一個(gè)支票儲(chǔ)蓄帳戶，我必須存一大筆錢嗎？
Clerk: Not necessarily, sir.
職員：不一定的，先生。
Customer: Regarding the interest rate, what is the difference between a savings account and checking account?
顧客：在利率方面，儲(chǔ)蓄存款和支票存款有什么不同？
Clerk: Not big difference, sir.
職員：沒(méi)有太大的區(qū)別，先生。
Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit?
顧客：我知道了。我想開(kāi)一個(gè)支票存款帳戶。300美圓作最低存款額夠了嗎？
Clerk: Definitely.
職員：足夠了。
銀行英語(yǔ)口語(yǔ)－向客戶提建議
Customer: Hello, I would like to open an account, but I do not know what account it should be.
顧客：你好。我想開(kāi)立一個(gè)帳戶，但我不知道要開(kāi)哪種帳戶。
Clerk: Do you often deposit money and draw money ?
職員：您經(jīng)常存錢和取錢嗎？
Customer: No, I do not. I just want to deposit my salary and use this account to pay the things I buy at department stores once a month.
顧客：不，我不經(jīng)常存錢和取錢。我只想把工資存入并且用這個(gè)帳戶來(lái)支付每月一次在百貨商店所買的東西的帳款。
Clerk: So, it will be a good idea for you to open a checking account. Do you think so?
職員：那么您還是開(kāi)立一個(gè)支票帳戶的好。您認(rèn)為怎么樣？
Customer: All right ,if that account will make.
顧客：行，如果這個(gè)帳戶合適的話。
Dialogue Two
對(duì)話（2）
Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me?
顧客：你好，先生。我是日本人。我的英語(yǔ)不太好，你能幫忙嗎？
Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do.
職員：很高興為您效勞，但我想您最好告訴我您想要干什么。
Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo.
顧客：啊，我想兌換些錢，但不知道怎樣填寫兌換水單。我不會(huì)看英文。
Clerk: Would you care to give me your passport and write your name on the paper?
職員：您能把您的護(hù)照給我，并把您的名字寫在這張紙上嗎？
Customer: There you are. My name is Tanaka.
顧客：給你護(hù)照和姓名，我叫田中。
Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment?
職員：好，我現(xiàn)在就為您填寫這張兌換水單。您請(qǐng)?jiān)谀抢镒粫?huì)行嗎？
Customer: I would like to. Thanks.
顧客：好的，謝謝。
Clerk: Hello, Mr. Tanaka. I was wondering if you would ever thought of conversing the unused Renminbi back into Japan yen later?
職員：您好，田中先生，不知道您是否考慮到以后要把沒(méi)有用完的人民幣兌換成日元呢？
Customer: Yes, if I will have Renminbi left.
顧客：是的，如果有沒(méi)用完的人民幣的話，就要換成日?qǐng)A。
Clerk: So, If I may make a suggestion , please keep your exchange memo safe,
職員：那么，如果我還可以提一個(gè)建議的話，請(qǐng)您保管好您的這張兌換水單。
Customer: Thank you indeed. I will do that.
顧客：我會(huì)保管好的。謝謝。
Clerk: Not at all.
職員：不用謝。
銀行英語(yǔ)口語(yǔ)－兌換貨幣
Please tell me how much you want to change.
請(qǐng)告訴我你要換多少。
How much of the remittance do you want to convert into Japanese yen?
你要把多少匯款換成日?qǐng)A？
What kind of currency do you want?
要哪種貨幣？
What's it you wish to change?
你有什么要換的？
What kind of currency do you want to change?
要換哪種貨幣？
In what denominations?
要什么面值的？
Please tell me what note you want.
請(qǐng)告訴我要什么鈔票。
Will seven tens be all right?
7張10元的可以嗎？
Is it in traveler's cheques?
換旅行支票嗎？
I'd like to know how I shall give it to you.
我想知道如何付錢給你。
How would you like it?
你要什么面額的？
Would you kindly sign the exchange form, giving your name and address?
請(qǐng)?jiān)趦稉Q單上簽字，寫出你的姓名和地址，好嗎？
Can you change me some money, please?
能否請(qǐng)你給我兌換一些錢？
Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders.
這些就是：一些法國(guó)法郎，瑞士法郎，美圓和一些荷蘭盾。
Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.
請(qǐng)你給我7張5鎊紙幣，4張1鎊紙幣，4張10先令紙幣，剩下的要零票。
Would you mind giving me the six pence in coppers?
勞駕給我6便士的銅幣。
I'd like to know if you could change this money back into U.S. dollars for me.
我想知道能否把這筆兌回成美圓。
Could you change these French francs for me?
能給我兌換這些法國(guó)法郎嗎？
Can you give me 100 dollars in Swiss francs?
能否給我100美圓的瑞士法郎？
I'd like to convert the full amount of the remittance into U.S. dollars.
我想把全部匯款換成美圓。
I'd like some coins for this note.
我想把這張紙幣換成硬幣。
I'd like to break this 50 dollar note.
我想把這張50美圓紙幣換開(kāi)。
Five twenties and ten singles, please.
請(qǐng)給我5張20元和10張一元的。
I need 300 dollars in 100-dollar cheques.
我要300美圓票面為100美圓的支票。
I hope you'll give me ten traveler's cheques of 100 dollars each.
我希望給我10張面額為100美圓的旅行支票。
In fives, please.
請(qǐng)給我5元票面的。
Could you give me some small notes?
給我一些小票好嗎？
Useful Words and Phrases
currency, money 貨幣
money changing 兌換貨幣
an exchange form 兌換單
bank note 鈔票
note of large denomination 大票
note of small denomination 小票
small change 零錢
subsidiary money 輔幣
nickel piece 鎳幣
plastic currency notes 塑料鈔票
convertible money 可兌換（黃金）紙幣
銀行英語(yǔ)口語(yǔ)－信用證
L/C(信用證)
C= Customer顧客 T=Teller職員
T: Can I help you, sir?
能幫你什么忙嗎，先生？
C: Yes, I want to open an L/C, but I don't know how to work?
對(duì)， 我想開(kāi)個(gè)信用正， 但我不明白如何運(yùn)作？
T: Ok, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer (always the importer). It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter (beneficiary). The bank acts as the first payer and this is the most important feature of L/C.
好， 讓我來(lái)告訴你。 信用正是應(yīng)客戶（通常是進(jìn)口商）的要求而開(kāi)立的一種付款承諾文件，信用證將被寄給出口商，使出口商可以把貨物裝船， 并根據(jù)信用正的要求準(zhǔn)備單據(jù)。一旦信用證和單據(jù)提交給開(kāi)證行，開(kāi)證行必須立即付款給出口商（受益人）。銀行就作為第一支付人進(jìn)行支付，這就是信用證最重要的特征。
C: I see, would you tell me what's the main content of an L/C?
我明白了， 你能告訴我信用證的主要內(nèi)容嗎？
T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.
商品的品名，數(shù)量，單價(jià)和種類， 裝貨港和目的地，價(jià)格和付款條件，裝船單據(jù)，最后裝運(yùn)期和到目的地的有效期。
C: Then how can I send an L/C to my customer?
那么， 我怎么才可以向我的客戶開(kāi)出信用證呢？
T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent (advising bank) will send the L/C to the exporter.
習(xí)慣上，開(kāi)證行總是向出口商所在地的代理行發(fā)出郵件或電報(bào)，在檢驗(yàn)信用證的真實(shí)性后，代理行（通知行）將向出口方發(fā)出信用證。
C: How can my customer receive the proceeds?
我的客戶怎樣才能收到錢？
T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer's account when releasing the shipping documents to the importer. The whole transaction now comes to the end.
信用證是可以議付的，出口商向議付行提交信用證所要的所有單據(jù)， 只要所提交的單據(jù)和信用證要求的條件是一致的話，銀行將議付。當(dāng)開(kāi)證行將裝船單據(jù)交給進(jìn)口商時(shí)，開(kāi)證行就借記進(jìn)口方的帳戶，整個(gè)交易就完成了。
C: I see, Thank you very much
我明白了，謝謝你！
T: you're welcome!
別客氣
L/C(信用證)
C= Customer顧客 T=Teller職員
T: Can I help you, sir?
能幫你什么忙嗎，先生？
C: Yes, I want to open an L/C, but I don't know how to work?
對(duì)， 我想開(kāi)個(gè)信用正， 但我不明白如何運(yùn)作？
T: Ok, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer (always the importer). It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter (beneficiary). The bank acts as the first payer and this is the most important feature of L/C.
好， 讓我來(lái)告訴你。 信用正是應(yīng)客戶（通常是進(jìn)口商）的要求而開(kāi)立的一種付款承諾文件，信用證將被寄給出口商，使出口商可以把貨物裝船， 并根據(jù)信用正的要求準(zhǔn)備單據(jù)。一旦信用證和單據(jù)提交給開(kāi)證行，開(kāi)證行必須立即付款給出口商（受益人）。銀行就作為第一支付人進(jìn)行支付，這就是信用證最重要的特征。
C: I see, would you tell me what's the main content of an L/C?
我明白了， 你能告訴我信用證的主要內(nèi)容嗎？
T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.
商品的品名，數(shù)量，單價(jià)和種類， 裝貨港和目的地，價(jià)格和付款條件，裝船單據(jù)，最后裝運(yùn)期和到目的地的有效期。
C: Then how can I send an L/C to my customer?
那么， 我怎么才可以向我的客戶開(kāi)出信用證呢？
T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent (advising bank) will send the L/C to the exporter.
習(xí)慣上，開(kāi)證行總是向出口商所在地的代理行發(fā)出郵件或電報(bào)，在檢驗(yàn)信用證的真實(shí)性后，代理行（通知行）將向出口方發(fā)出信用證。
C: How can my customer receive the proceeds?
我的客戶怎樣才能收到錢？
T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer's account when releasing the shipping documents to the importer. The whole transaction now comes to the end.
信用證是可以議付的，出口商向議付行提交信用證所要的所有單據(jù)， 只要所提交的單據(jù)和信用證要求的條件是一致的話，銀行將議付。當(dāng)開(kāi)證行將裝船單據(jù)交給進(jìn)口商時(shí)，開(kāi)證行就借記進(jìn)口方的帳戶，整個(gè)交易就完成了。
C: I see, Thank you very much
我明白了，謝謝你！
T: you're welcome!
別客氣.
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