上班族英語口語話題72：銀行業(yè)務(wù)
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(gè)儲(chǔ)蓄戶頭。
A:I want to open an account in this bank.
A:我想在這家銀行開個(gè)儲(chǔ)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(gè)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(jì)息的金融市場賬戶,但我們還需要個(gè)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(kuò)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(kuò)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(huì)通知銀行代我付款，同時(shí)轉(zhuǎn)給我船運(yùn)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(gè)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?
