上班族英語口語話題72：銀行業(yè)務(wù)

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72.銀行業(yè)務(wù)

I want to open an account in this bank.

我想在這家銀行開個儲蓄戶頭。

A:I want to open an account in this bank.

A:我想在這家銀行開個儲蓄戶頭。

B:That’s all right,sir. But which do you prefer,a current account or a fixed one?

B:好的，先生。您是開活期的還是定期的?

★ open an account

★ 開戶

What about the annual interest rates?

年息是多少?

A:What about the annual interest rates?

A:年息是多少?

B:At present, it’s 3% for the current account and 9% for the fixed account.

B:現(xiàn)在活期的利率為3%，定期的為9%。

How would you like your money?

您要什么面額的鈔票?

A:How would you like your money?

A:您要什么面額的鈔票?

B:It's all the same to me.

B:隨便什么都可以。

What type of account are you interested in opening?

你想開哪一種賬戶?

A:What type of account are you interested in opening?

A:你想開哪一種賬戶?

B:I need a checking account for a new business.

B:我需要開個支票賬戶，做生意用。

Can I get an interest-bearing account?

我們能開有利息的賬戶嗎?

A:Can I get an interest-bearing account?

A:我們能開有利息的賬戶嗎?

B:You can have a money market account for your business that will draw interest,but you will need a non-interest bearing account.

B:你可以開計息的金融市場賬戶,但我們還需要個無息賬戶。

Is there a limit on the number of checks we can write per month?

每月開幾次支票有限制嗎?

A:Is there a limit on the number of checks we can write per month?

A:每月開幾次支票有限制嗎?

B:No,there isn't.

B:沒有。

I need a loan or overdraft to expand my business.

我急用一筆貸款或者透支款，以擴展生意。

A:I need a loan or overdraft to expand my business.

A:我急用一筆貸款或者透支款，以擴展生意。

B:I think we can approve your request of a loan for $8000.

B:我想我可以撥給你8000美元的貸款。

I’m sorry that we will not be available to offer you the credit.

對不起，我們無法給你提供貨款。

A:I'm sorry that we will not be available to offer you the credit.

A:對不起，我們無法給你提供貨款。

B:May I know the reason?

B:請問為什么?

Please would you cancel our check No. 530920 in favor of G. Mark Ltd. ?

請你取消號碼為530920開給G馬克有限公司的支票，好嗎?

A:Please would you cancel our check No. 530920 in favor of G. Mark Ltd.?

A:請你取消號碼為530920開給G馬克有限公司的支票，好嗎?

B:OK. Check No. 530920.

B:好吧，支票號碼為 530920.

Have you ever thought of getting the draft discounted?

把支票貼現(xiàn)，你想過嗎?

Can you please open an irrevocable documentary credit?

能開一張不可撤消的跟單信用證嗎?

A:Can you please open an irrevocable documentary credit?

A:能開一張不可撤消的跟單信用證嗎?

B:Yes,of course. May I know the beneficiary's name? And the amount?

B:當(dāng)然可以。請問受益人的姓名。金額為多少?

★ irrevocable(adj.)

★ 不能取消的

We have drawn a sight draft on you.

我們開具了一份以你為付款人的即期匯票。

A:We have drawn a sight draft on you.

A:我們開具了一份以你為付款人的即期匯票。

B:I'll inform my bank to pay the bill on my behalf and send me the documents.

B:我會通知銀行代我付款，同時轉(zhuǎn)給我船運單據(jù)。

★ sight draft( n.)

★ 即期匯票,見票即付票據(jù)

We normally can’t allow overdraft facilities unless you make a formal arrangement with the bank.

我們通常不允許透支的，除非你同銀行辦理了正式手續(xù)。

★ overdraft(n.)

★ 透支

Do you have any mortgage for the loan?

您有什么可以做貸款的抵押?

★ mortgage(n.)

★ 抵押

Since you don’t have any collateral, perhaps you could get a guarantor.

既然你們沒有擔(dān)保物,也許可以找個擔(dān)保人。

★ collateral (n.)

★ 抵押品;擔(dān)保物

What’s the current market rates of discounting?

現(xiàn)行的市場貼現(xiàn)率是多少?