銀行開戶場景常用到的英語
現(xiàn)在在我們的身邊到處都有金融，那么你會金融的英語句子嗎，今天小編就給大家看看金融英語，希望能幫助到大家。
金融英語：帳戶規(guī)章與條例
Leah Jacobs has just opened a savings account at the First National Bank.She is asking a clerk about the meaning of the rules and regulations printed on her passbook.
利厄·雅各布斯剛剛在第一國民銀行開立了一個(gè)儲蓄帳戶，她正在向一個(gè)職員詢問有關(guān)印在存折上的各項(xiàng)規(guī)章與條例的含義。
Do you mean that I have to give you notice before I can make a withdrawal?
您是說，在我取款之前，得事先給您一個(gè)通知嗎?
Clerk:Yes,Mrs.Jacobs,it technically means that .All banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.
職員：是的，雅各布斯夫人。從法律角度上看，它是這個(gè)意思。所有銀行都可能需要一個(gè)事先通知，取款人才有權(quán)從儲蓄帳戶和其他附息的帳戶中取出所需求的款項(xiàng)。
J:How much notice must I give ?
雅各布斯：我需要提前多少時(shí)間通知銀行?
C:Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .
職員：象許多其他銀行一樣，我們銀行可能要求7天前通知。但實(shí)際工作中，在沒有提前通知的情況下，我們也會滿足您的取款要求。
Of course ,the bank has the option of enforcing the rule should it be necessary .
當(dāng)然啦，如果必要的話，銀行是有權(quán)利按照這一條規(guī)定來做的。
J:That's amazing .I never knew that before .
雅各布斯：這倒令我吃驚，以前我從來不知道這些。
C:You'll find that all banks are required to have the same rule .
職員：您會發(fā)現(xiàn)，所有的銀行都有這些同樣的規(guī)章。
J:I guess I've never read the fine print on my passbook before.
雅各布斯：我可能還從來沒讀過我存折上的這些很小的印刷字體。
This next item says that there is a service charge for more than two transactions a month .
下面一條講到，如果在一個(gè)月內(nèi)有兩次以上存取款，就要收取手續(xù)費(fèi)。
C;Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.
職員：是的，雅各布斯夫人。同樣，這也是屬于法定條例。
The main reason is to discourage the use of savings accounts for frequent transactions .
這是因?yàn)殂y行不鼓勵(lì)使用儲蓄帳戶進(jìn)行過于頻繁的存取款活動。
Current ,or checking,accounts are designed for regular and frequent transactions.
往來帳戶或支票帳戶就是為了經(jīng)常和頻繁的存款和取款而設(shè)的。
J:But I've never been charged.
雅各布斯：但是，我卻從來沒有為此付過費(fèi)用。
C:Well,most banks rarely invoke that regulation .
職員：哦，大多數(shù)銀行很少實(shí)行那條規(guī)定。
金融英語：開立往來帳戶
John Spence is asking a clerk at the First National Bank about current accounts.
約翰·斯彭斯正在向第一國民銀行的一位職員詢問有關(guān)往來帳戶的事宜。
Spence:Would you please tell me something about current accounts?I've heard the term,but I'm not sure I understand what it means.
斯彭斯：您能給我講講有關(guān)往來帳戶的事嗎?我聽說過這個(gè)術(shù)語，但是我不完全明白它的含義。
Clerk:The term current account means a demand account .Actually ,a checking account.
職員：往來帳戶這個(gè)術(shù)語就是活期帳戶的意思。實(shí)際上，就是支票帳戶。
Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm.
通常當(dāng)我們談?wù)摰接善髽I(yè)持有的支票帳房時(shí)，我們就使用往來帳戶或者活期帳戶這樣的術(shù)語。
S：Oh ,so you mean that I can't open a current account as an individual?
斯彭斯：哦，您是說，作為個(gè)人，我不能開立往來帳戶嗎?
C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account,
職員：不，我不是那個(gè)意思。任何人，無論是企業(yè)還是個(gè)人都可以開立往來帳戶。
but we normally call individual accounts personal checking accounts .That's just a different name for them.
但是，我們一般稱個(gè)人帳戶為個(gè)人支票帳戶，這僅僅是帳戶名稱不同而已。
S:Why do you call them demand accounts ,then ?
斯彭斯：那么您為什么稱他們?yōu)榛钇趲裟?
C:That means that the balances in the accounts are subject to withdrawal on demand.
職員：這就是說，帳戶上的余額便于提取或者便于需要。
In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account .
換句話說，要想從帳戶中提取，只需填寫一張用款需求單或一張支票就可以了。
S:Aren't all accounts like that ?
斯彭斯：并不是所有的帳戶都是這樣做的吧?
C:No,sir .Time or savings accounts actually require a notice to the bank ,
職員：是的，先生。定期存款帳戶或儲蓄帳戶實(shí)際上都需要給銀行一個(gè)通知，
usually seven days before the depositor has a right to make a withdrawal .In normal practice ,
通常是七天前通知銀行，存款人才有權(quán)力提取存款。
of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts ,
當(dāng)然，一般情況下，我們通常不必提前通知，并且允許立即提款。
however,we cannot ask for such notice .
然而，對于活期帳戶或者往來帳戶我們根本無權(quán)要求取款提前通知。
金融英語：定期存款
Judy Taylor is asking a clerk in the New Accounts Department at the First National Bank about time deposits.
裘德·泰勒向第一國民銀行新開帳戶部門的一個(gè)職員詢問定期存款有關(guān)事宜。
Taylor:Can you tell me something about time deposits?
泰勒：請您同我談?wù)動嘘P(guān)定期存款的事情，好嗎?
I understand the interest rate is much higher for time deposits than regular savings accounts.
據(jù)我所知，定期存款的利率比普通儲蓄存款的利率要高得多。
Clerk:Yes,Miss Taylor ,that's correct.We offer Time Certificates of Deposit which pay a higher rate of interest than regular deposits do .
職員：是的，泰勒小姐，您說得對。我們這里提供存款的定期存單，它們的利率高于普通存款。
T:How long do I have to keep the money in the account?
泰勒：存款在帳戶中儲存多久才可以取?
C:We offer a choice of three,six-or twelve month maturities in most cases.
職員：大多數(shù)情況下，我們提供為期3個(gè)月，6個(gè)月和12個(gè)月的存款期限，您可以從中選擇。
Of course ,we have two-,three-,five-and ten-year plans ,too.
當(dāng)然，我們也有為期2年、3年、5年和10年的存款期限。
T;Does the rate go up depending on how long you keep the certificate?
泰勒：利息是多少是不是取決于存款時(shí)間?
C:Yes,that's right .But you must determine what maturity you want in the beginning .
職員：是這樣的。但是您必須事先確定您的存款期限。
Naturally ,certificates with the longer maturities bear a higher rate of return .
當(dāng)然，存款期越長，利率就越高。
T:What maturities are the most popular?I assume that not many customers invest for the very long terms .
泰勒：哪一種期限是最受歡迎的呢?我估計(jì)不會有很多顧客選擇很長的存款期限。
C:No ,most of our customers use the six-or twelve-month plans.Of course ,you may renew the certificate on maturity if you wish.
職員：您說得對，我們的大多數(shù)顧客選用6個(gè)月或12個(gè)月存款期限。當(dāng)然，如果您愿意的話，當(dāng)存款到期時(shí)，您可以把存單轉(zhuǎn)期續(xù)存。
T;How come the rate is so much higher than the regular savings rate?
泰勒：定期存款的利怎能怎么會比一般存款利息高出那么多呢?
C:We can offer a more attractive rate of return when we know that the client will maintain the balance for a set period of time .
職員：當(dāng)欠確知顧客將一筆錢儲存一定時(shí)期，我們就能夠提供更具有吸引力的利率。
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2.金融英語
銀行開戶場景常用到的英語
