銀行業(yè)務(wù)之 外幣賬戶　Foreign Currency Account

銀行業(yè)務(wù)之 外幣賬戶　Foreign Currency Account

在匯率變化頻繁的今天，將一定比例的儲蓄貨幣（cash holdings）轉(zhuǎn)換成很有前景的某種貨幣并存在賬戶中，有一定的安全意義，也可以實現(xiàn)一定程度的盈利。如果你做國際貿(mào)易，開設(shè)多種類貨幣賬戶（multiple currencies）是普遍且很有必要的。

⊙I would like to diversify.我想實現(xiàn)多樣化。

⊙Can I exchange for dollars?我能換成美元嗎？

⊙What is the current exchange rate?目前的匯率是多少？

⊙I would like to set up a dollar account, please.我想開設(shè)一個美元賬戶。

⊙I maintain a Japanese Yen savings account.我保有一個日元儲蓄賬戶。

⊙Fluctuations in the currency market have cost me money this week.貨幣市場的波動給我這個星期帶來了不少的損失。

⊙We can accept any foreign denomination.我們可以接受任何面值的外幣。

⊙How much is the dollar trading at today?今天一美元能兌換多少？

確認一家銀行

如果你的賬務(wù)所在銀行不能提供多種類貨幣儲蓄賬戶（multiple currency savings accounts），你可以考慮一家較大規(guī)模的跨國銀行（large multinational banks）。查詢開戶所需的最低儲蓄金額（minimum deposit size），以及時間。此外也要知道他們是否有外幣計價存款證明（foreign-denominated certificates of deposits）。

⊙Does your bank offer multiple currency savings accounts?貴行是否提供多幣種儲蓄賬戶？

⊙What is the minimum deposit size?存入的最低金額是多少？

⊙Can I make a deposit with a foreign-denominated certificate of deposit?我存款時是否給我開外幣計價存款證明？

⊙How can I access my dollar account?我如何才能開設(shè)美元賬戶？

開賬戶（open an account）

開賬戶時要明確是定期（regular intervals）收到利息還是利潤自動再投資（proceeds reinvested）。為以后的便利和各種可能，應(yīng)設(shè)法將新開外幣賬戶和原有的支票賬戶相鏈接（link the proceeds directly into your checking account）。清楚了解作為某行的儲蓄賬戶需遵守哪些要求和條件。

⊙I would like to receive interest at the regular payment period.我想在定期付款期限內(nèi)收到利息。

⊙Would it be possible to have the proceeds of this account reinvested automatically?

這個賬戶的利息是否可以自動轉(zhuǎn)入再投資？

⊙Can I link the proceeds of this account directly to my checking account?我能否將這個賬戶的利息和我的支票賬戶相鏈接？

⊙What is the minimum deposit for this account?開設(shè)這個賬戶的最低儲蓄金額是多少？

挑選貨幣

考慮到匯率的變動（currency fluctuations），換匯存在一定的風(fēng)險。所以在選擇貨幣（currency）時，需認真研究，了解匯率變化的趨勢，要明白哪些外幣保持強勁走勢，哪些疲軟下滑。

⊙What kind of rates can I get for the Canadian dollar?我想要（換）加元的話會是什么樣的匯率？

⊙We do a lot of business with Australia.I would like to examine the possibility of opening an account in Australian currency.

我們和澳大利亞有很多的貿(mào)易。我想了解開澳元賬戶的可能性。

⊙Can I only pull dollars out of this account, or is it possible to withdraw RMB?我只能從賬戶中取美元嗎？能不能取人民幣呢？

別的形式

實現(xiàn)手中儲蓄貨幣多樣化還有別的形式（diversify your account holdings），例如購買股票，以外匯的形式結(jié)算紅利（dividends）；也可以考慮購買美國存托證券（ADRs-American Depository Receipts），他們的股息會以美元的形式結(jié)算。

A：What other ways can I keep my money in foreign currency?

B：You can try specifying the dividends from your stock portfolio, they can pay out in dollars, RMB, or several other currency options.

A：有沒有別的途徑來持有外幣？

B：你可以通過指定你的股票組合的股息（類型），他們可以付給你美元、人民幣，或別的外幣種類。

總結(jié)

“不要把雞蛋都放在一個籃子里”。面對當(dāng)前匯率變化的日新月異，把你手頭的資金的一部分換成外幣來存儲很有現(xiàn)實意義。跨國大銀行在外幣業(yè)務(wù)上無論是外幣種類還是服務(wù)的多樣性都有一定優(yōu)勢。要選擇發(fā)展穩(wěn)定、勢頭良好的外幣才能在一定程度上避免損失。

Words　單詞表

account賬戶

automatically自動地

certain一定的，確定的

currency貨幣，流通

denomination面額，面值

deposit存款

diversify多樣化

earmarked指定的，專用的

equivalent等值，等效

interest利息

invest投資，投入

minimum最低，最小值

multiple多種多樣的

penalty罰金，罰款

possibility可能性

proceeds收入，收益

rate比率

specify制定，規(guī)定

transaction交易，業(yè)務(wù)

withdraw提款，取錢

US Dollars美元，美金

Australian Dollar澳元

Canadian Dollar加幣，加元

Chinese yuan人民幣

Japanese Yen日元

Phrases　短語表

certificate of deposit存款單

checking account支票賬戶，存款賬戶

do business with……做生意，和……做買賣

foreign currency外匯

foreign denominated外幣幣值

have an account with sb與某人有交易

open an account開戶

link sth to sth連接，鏈接

pay out付出

savings account儲蓄賬戶

stock portfolio股票組合，股票期權(quán)市場

實景對話1

A：Welcome to Civic Construction bank, how can I help you?

B：We do a lot of business with Australia. I would like to examine the possibility of opening an account in Australian currency. Does your bank offer multiple currency savings accounts?

A：Yes, we offer multiple currency savings accounts for certain currencies.

Do you have an account with us now?

B：Yes. I have a US Dollar account with you guys.I also maintain a Japanese Yen savings account with another bank. For an Australian Dollar account, what is the minimum deposit size?

A：The minimum deposit for opening a foreign currency account is the foreign equivalent of$100.

B：Okay, that's good to know. Can I make a deposit with a foreign-

denominated certificate of deposit?

A：Certainly, that's no problem.

B：If I do set up a foreign currency account, can I link the proceeds directly to my checking account?

A：There are a few penalties for withdrawing a foreign currency in US Dollars or RMB. It is a fee of 0.2%per transaction.

B：What other ways can I keep my money in foreign currency?

A：You can try specifying the dividends from your stock portfolio, they can pay out in dollars, RMB, or several other currency options.

A：歡迎來到公民建設(shè)銀行。有什么可以為你效勞的？

B：我們在澳大利亞有很多的貿(mào)易。我想確認看能不能開澳元賬戶。貴行是否提供多種外幣的儲蓄賬戶呢？

A：是的，我們提供一定范圍類型的多種貨幣儲蓄賬戶。你在我們這里有賬戶嗎？

B：是的，我在你們這兒有一個美元賬戶。在別的銀行保有一個日元賬戶。要在你們這兒開設(shè)澳元賬戶的話，最少應(yīng)當(dāng)存入多少錢？

A：開外幣賬戶時至少應(yīng)當(dāng)存入相當(dāng)于一百美元的等值外匯。

B：好的，幸好知道了這件事。存款時我是否可以開一個外幣計價存款證明呢？

A：當(dāng)然，那沒問題的。

B：如果我開一個外幣賬戶的話，我能否將進賬直接鏈接到我的支票賬戶呢？

A：以美元或人民幣的形式提取外幣要有一些罰金，相當(dāng)于每筆交易的0.2%。

B：有沒有別的途徑來持有外幣？

A：你可以通過指定你的股票組合的股息（類型），他們可以付給你美元、人民幣，或別的外幣種類。

實景對話2

A：How much is the dollar trading at today?

B：The dollar is down from yesterday. What currency were you interested in exchanging for?

A：What kind of rates can I get for the Canadian Dollar?

B：Canadian Dollars for purchase are running at 1. 40 per dollar.

A：That's a pretty good rate. I have a dollar account with you now.I would like to diversify. Would it be possible to exchange some of my dollar account and open an account with Canadian Dollars?

B：Certainly. What is the amount that you would like to start your account with?

A：Let's start with$10，000 US Dollars. Would it be possible to have the proceeds of this account reinvested automatically?

B：Yes. Or you can receive interest monthly.

A：Okay. I guess to start, I would like to receive interest at the regular payment period.

B：Here is your new account number and account balance. You will be unable to access these funds for a period of 24 hours.

A：After the 24 hours, can I only pull Canadian Dollars out of this account, or is it possible to withdraw US dollars?

B：Because it is earmarked as a foreign currency account, you are limited on your transactions. You can withdraw up to 10%of the total balance, with a set fee of$2 per transaction.

A：今天美元的買賣價是多少？

B：美元從昨天開始跌了。你想換什么貨幣？

A：我買加元會是什么樣的匯率？

B：加元買入?yún)R率在1.4兌一美元。

A：那個匯率還不錯。我在你們這里有一個美元賬戶，我想實現(xiàn)多樣化，我是否可以把賬戶上的一部分美元換成加元并以此開一個賬戶？

B：當(dāng)然。你要存入多少金額？

A：開始存入一萬美元吧。該賬戶是否可以把收益自動轉(zhuǎn)為再投資？

B：是的，你也可以選擇每個月收利息的方式。

A：好的，我想開始的時候就選擇在定期付款期內(nèi)收到利息的方式吧。

B：這是你的新賬戶和賬戶余額。在24小時內(nèi)，你還不能動用這些資金。

A：24小時后，我是只能從這個賬戶中提取加元，還是也可以提取美元？

B：因為這是指定的外幣賬戶，你的業(yè)務(wù)要受到一定限制。你可以取不超過總余額的10%的金額，而且每筆交易有2美元的費用。