銀行柜臺(tái)常用到的英語(yǔ)對(duì)話
銀行柜臺(tái)常用到的英語(yǔ)對(duì)話
現(xiàn)在在我們的身邊到處都有金融，那么你會(huì)金融的英語(yǔ)句子嗎，今天小編就給大家看看金融英語(yǔ)，希望能幫助到大家。
金融英語(yǔ)：特種儲(chǔ)蓄章程
Sally Berklin wants information about the Savings Bond plan at the First National Bank.
薩利·伯克蘭在第一國(guó)民銀行想得知一些有關(guān)儲(chǔ)蓄債券章程的信息，
She is talking to the manager of the Savings Department .
她正在和儲(chǔ)蓄部門(mén)經(jīng)理談話。
Berklin:What do you mean about the Savings Bond plan?Is it possible for me to use that type of account ,too?
伯克蘭：您所說(shuō)的儲(chǔ)蓄債券章程是什么意思?我是否也能使用這種帳戶呢?
Manager:Yes,of course .We offer it to all our customers.Our Savings Bond program offers our highest rate of interest for long-term savers.
經(jīng)理：當(dāng)然可以，我們向所有顧客提供這種帳戶。我們的儲(chǔ)蓄債券章程對(duì)長(zhǎng)期存款儲(chǔ)戶提供最高利率。
Actually ,they are certificates of deposit for maturities of six to ten years ,
實(shí)際上它們是定期為6到10年的存單，
and are available in any amount from ,000 to 0,000.
存款額從5，000美元到100，000美元的任何定期存單。
B:Oh,they are only for people with lots of money .
伯克蘭：哦，這個(gè)章程只是為那些很有錢(qián)的人設(shè)立的。
M:Well ,actually you'd be surprised at the number of middle-income people who use this program ,especially retired people.
經(jīng)理：實(shí)際上，相當(dāng)多的中等收入的人特別是退休的人都用這種章程，您會(huì)對(duì)其使用人數(shù)之多感到驚奇。
You see ,we pay accumulated interest by bank check every quarter.
您看，我們每個(gè)委度都以銀行支票的形式向顧客支付累計(jì)利息，
So they are almost like an investment plan .
因此，這些存款幾乎就是一筆投資規(guī)劃。
B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?
伯克蘭：聽(tīng)起來(lái)真不錯(cuò)，但是如果我不得不提前兌現(xiàn)儲(chǔ)蓄債券怎么辦?
M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a time deposit .
經(jīng)理：很遺憾，就象提前支取定期存款一樣，您得接受一定罰款。
But we encourage customers not to buy Savings Bonds unless they are reasonably sure they can hold them until matuity .
但是，我們希望顧客們十分確信有把握直到期滿才支取存款，再來(lái)購(gòu)買(mǎi)儲(chǔ)蓄債券。
B;They sound like an excellent investment idea,especially the advantage of receiving earned interest every three months .
伯克蘭：聽(tīng)起來(lái)這是個(gè)極好的投資辦法，特別是每3個(gè)月就能得到利息的好處。
I'll consider placing some of my savings in Savings Bonds as soon as I save enough.
等我把錢(qián)攢夠了，我馬一考慮把我的一部分積蓄換成儲(chǔ)蓄債券。
金融英語(yǔ)：計(jì)算日息
Donald Craig is asking the New Accounts clerk at the First National Bank about their daily interest advertisements.
唐納德·克雷格在第一國(guó)民銀行向一個(gè)負(fù)責(zé)新開(kāi)帳戶的職員詢問(wèn)有關(guān)銀行的日息廣告的事。
Craig:What do you mean when you say daily interest in your advertisements?
克雷格：你們的廣告中所說(shuō)的日息是什么意思?
Clerk:We mean that we compute interest on your account balance every day and credit it to your account on a quarterly basis.
職員：我們的意思是說(shuō)，我們每日計(jì)算您的帳戶余額應(yīng)得利息，并且每個(gè)季度把應(yīng)得利息計(jì)入您的帳戶的貸方。
Cr:How can you compute the earnings daily ?Isn't that too much trouble ?
克雷格：你們?cè)趺茨軌蛎咳斩加?jì)算應(yīng)得利息呢?那不是太麻煩了嗎?
C:Well,actually Mr.Craig ,it's relatively easy to do since we keep all our account records by computer
職員：哦，克雷格先生，實(shí)際上做到這一點(diǎn)是比較容易的。因?yàn)槲覀兪褂糜?jì)算機(jī)儲(chǔ)存我們所有的帳戶記錄，
This enables us to give even better service to our customers .
這樣我們就能更好地為我們的顧客服務(wù)。
Cr:You really mean ,then ,that you're paying me interest on the interest that I earn if I keep my money in the bank .
克雷格：那么您實(shí)際上是說(shuō)，如果我把錢(qián)存入銀行，你們就會(huì)以復(fù)制的形式支付我所贏得的利息了。
C:Yes,that's right.We credit your earned interest automatically to your account and that figures as part of the balance for the next interest-earning period.
職員：是這樣的。我們會(huì)自動(dòng)地把您贏得的利息計(jì)入您的帳戶的貨方，而且這些利息成了您的帳戶中存款余額的一部分。
It's really an accumulative account which continues to grow and earn returns for you .
再接著計(jì)算利息時(shí)，這一部分余額也將贏得利息。這的確是個(gè)累計(jì)帳戶，不斷地增加數(shù)額為您生息。
Cr:What if I withdraw the earned interest each time? Then I lose the advantages of an accumulative account ,don't I ?
克雷格：如果我每次都把贏得的利息取出來(lái)，又會(huì)怎么樣呢?那我就失去了累計(jì)帳戶的優(yōu)勢(shì)，對(duì)嗎?
C:Yes,you would .The accumulative effect only works if you maintain the balance and earned interest in the account.
職員：是的，您會(huì)失去的。您只有保留帳戶中的金額和贏得的利息，累計(jì)帳戶的效果才能體現(xiàn)出來(lái)。
Cr:That's a good way to make money .I'll try not to make any more withdrawals .
克雷格：這到是個(gè)掙錢(qián)的好辦法，我爭(zhēng)取盡量少提取存款。
C:Yes,that's a good plan .
職員：這是個(gè)好計(jì)劃。
Cr:You're right .Maybe I'll become rich that way!
克雷格：您說(shuō)得對(duì)，照這樣做法或許我會(huì)變得富裕起來(lái)。
英語(yǔ)口語(yǔ)：開(kāi)立個(gè)人支票帳戶
John Smith is opening a personal checking account at the National City Bank .
約翰·史密斯正在國(guó)家城市銀行開(kāi)立個(gè)人支票帳戶。
Clerk:May I help you ,sir?
職員：我能為您做什么，先生?
Smith :Yes,please .I'd like to open a personal checking account .
史密斯：謝謝!我想開(kāi)立一個(gè)個(gè)人支票帳戶。
C;Yes,sir .Do you want a regular or a special checking account ?
職員：好的，先生。您想開(kāi)立普通的還是特殊的支票帳戶?
S:I'm not sure what the difference is .
史密斯：我不太清楚它們有什么區(qū)別。
C:Special accounts are more economical if you think you'll write fewer than 15 checks each month .
職員：如果您認(rèn)為您每月開(kāi)支票少于15張，那么特殊帳戶更為經(jīng)濟(jì)。
S:I probably won't write many ,just a few checks each month for shopping and paying some bills.
史密斯：我可能不會(huì)開(kāi)那么多張支票，一個(gè)月只需幾張支票買(mǎi)東西和支付一些帳單就可以了。
C:I think the special account will be best ,then .
職員：我想那您最好是使用特殊支票，
There's no minimum balance required and the service charge is only 20 cents for each check you write .
它沒(méi)有最小存款余額的限制，而且您開(kāi)出的每張支票只收取20美分手續(xù)費(fèi)。
S:Yes,I think that's what I need.Can I open the account with this check ?It's my payroll check from my company .
史密斯：好的，我看這正是我所需要的。我可以開(kāi)這種支票賬戶嗎?這是我所在公司的工資支票。
C:Yes,of course .We'll take your payroll check for 7.00 as your initial deposit .
職員：當(dāng)然可以，我們將把您的工資237美元作為您的第一筆存款。
Will you please fill out this signature card with your name,address,and occupation ?
請(qǐng)您在這張簽名卡片上填寫(xiě)您的姓名、住址和職業(yè)。
I'll get a receipt and a checkbook for you while you're completing these forms.
您填寫(xiě)這張卡片時(shí)，我來(lái)為您準(zhǔn)備收據(jù)和支票。
S:Can I get my name printed on the checks?
史密斯：可以把我的姓名印在支票上嗎?
C;Yes,of course .We offer free personalized checks to all our customers .
職員：當(dāng)然可以，我們對(duì)這里所有顧客免費(fèi)提供個(gè)人支票。
If you would like your address printed on your checks,too,we can do that for a nominal charge .
如果您愿意把您的住址也印在支票上，我們可以照辦，為此需收取少許費(fèi)用。
S:I think I'll just take the free ones.I can always write my address on the checks myself .
史密斯：看來(lái)我還選擇免費(fèi)支票，自己把住址寫(xiě)在支票上吧。
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