caterpillar怎么读银行英语

2021年1月19日发(作者：motherland)
一、

银
行基本业务口语

What kind of account did you have in your mind?

你想开哪种帐户
?

Do you like to open a current account?

你想开一个活期存款帐户吗
?

A deposit or current account?

定期还是活期
?

Please tell me how you would like to deposit your








money.




请告诉我你想存何种户头
?

There's a service charge for the checking account but no
charge for the savings.

支票户头要收服务费，现金户头不收。


Our minimum deposit for a savings account is 100
dollars.

我们储蓄存款的最低存款额是
100
美圆。


Five yuan is the minimum original deposit.


最低起存款额是
5
元。


You can open a savings account at any time with an
initial deposit of 50 dollars.

你可随时以
50
美圆的起存额开立储蓄帐户。


Even one yuan is all right.

甚至一元也可以起存。


Here is your pasbook. Please bring it back when you
deposit or withdraw money any time you like. Keep it
well and inform us whenever you lose it.

这是你的存折，存取款时请带来。保管好存折，遗失
请告诉我们。


I should like to open a current account.

我想开一个活期存款帐户。


I need a checking account so that I can pay my bill.

我需开个支票帐户，这样就能付帐。


We'd like to know how we open a checking-savings
account.

我们想知道如何开一个支票储蓄帐户。


I have a checking account here.

我在这里有一个支票存款帐户。


I think I'd like a deposit account.

我想要开个定期存款帐户。


Can I open a current account here?

我能否在这儿开个活期存款帐户？


I want to open a deposit account with you.

我要开个储蓄帐户。


I'd like to open a deposit account with you.

我想在你们这儿开个定期存款帐户。


Could you tell me the difference between a savings
account and a checking account?

请告诉我储蓄存款与支票存款
的区别好吗？


Please tell me the procedure for opening a savings
account.

请告诉我开个储蓄帐户需要什么手续。


Will 100 yuan be enough for a minimum deposit?

100
元作最低存款额够吗？


I'd like to know whether a 200 yuan deposit will be
enough for opening a checking account.

我想知道开一个支票帐户
200
元存款是否够。


Could you tell me how to operate this account?

请告诉我如何经管这个帐户好吗？


Is there any minimum for the first deposit?

第一次储蓄有最低限额吗？


How much does each account cost?

每个帐户要花多少钱？


Useful Phrases

current deposit, current account

活期存款


fixed deposit, fixed account

定期存款


fixed deposit by installments

零存整取


joint account
联名存款帐户


to open an account
开户头


二、

银行英语口语
----
新开帐户

What kind of account did you have in your mind?


你想开哪种帐户
?

Do you like to open a current account?

你想开一个活期存款帐户吗
?

A deposit or current account?

定期还是活期
?

Please tell me how you would like to deposit your
money.

请告诉我你想存何种户头
?

There's a service charge for the checking account but no
charge for the savings.

支票户头要收服务费，现金户头不收。


Our minimum deposit for a savings account is 100
dollars.

我们储蓄存款的最低存款额是
100
美圆。


Five yuan is the minimum original deposit.

最低起存款额是
5
元。


You can open a savings account at any time with an
initial deposit of 50 dollars.

你可随时以
50
美圆的起存额开立储蓄帐户。


Even one yuan is all right.

甚至一元也可以起存。


Here is your pasbook. Please bring it back when you

deposit
or withdraw money any time you like. Keep it
well and inform us whenever you lose it.

这是你的存折，存取款时请带来。保管好存折，遗失
请告诉我们。


I should like to open a current account.

我想开一个活期存款帐户。


I need a checking account so that I can pay my bill.

我需开个支票帐户，这样就能付帐。


We'd like to know how we open a checking-savings
account.

我们想知道如何开一个支票储蓄帐户。


I have a checking account here.

我在这里有一个支票存款帐户。


I think I'd like a deposit account.

我想要开个定期存款帐户。


Can I open a current account here?

我能否在这儿开个活期存款帐户？


I want to open a deposit account with you.

我要开个储蓄帐户。


I'd like to open a deposit account with you.

我想在你们这儿开个定期存款帐户。


Could you tell me the difference between a savings
account and a checking account?

请告诉我储蓄存款与支票存款的区别好吗？


Please tell me the procedure for opening a savings
account.

请告诉我开个储蓄帐户需要什么手续。


Will 100 yuan be enough for a minimum deposit?

100
元作最低存款额够吗？


I'd like to know whether a 200 yuan deposit will be
enough for opening a checking account.

我想知道开一个支票帐户
200
元存款是否够。


Could you tell me how to operate this account?

请告诉我如何经管这个帐户好吗？


Is there any minimum for the first deposit?

第一次储蓄有最低限额吗？


How much does each account cost?

每个帐户要花多少钱？


Useful Phrases

current deposit, current account
活期存款


fixed deposit, fixed account
定期存款


fixed deposit by installments
零存整取


joint account
联名存款帐户


to open an account
开户头


三、

常见银行英语词汇

account number
帐目编号


depositor
存户


pay-in slip
存款单


a deposit form
存款单


a banding machine
自动存取机


to deposit
存款


deposit receipt
存款收据


private deposits
私人存款


certificate of deposit
存单


deposit book, passbook
存折


credit card
信用卡


principal
本金


overdraft, overdraw
透支


to counter sign
双签


to endorse
背书


endorser
背书人


to cash
兑现


to honor a cheque
兑付


to dishonor a cheque
拒付


to suspend payment
止付


cheque,check
支票


cheque book
支票本


order cheque
记名支票


bearer cheque
不记名支票


crossed cheque
横线支票


blank cheque
空白支票


rubber cheque
空头支票


cheque stub, counterfoil
票根


cash cheque
现金支票


traveler's cheque
旅行支票


cheque for transfer
转帐支票


outstanding cheque
未付支票


canceled cheque
已付支票


forged cheque
伪支票


Bandar's note
庄票，银票


banker
银行家


president
行长


savings bank
储蓄银行


Chase Bank
大通银行


National City Bank of New York
花旗银行


Hongkong Shanghai Banking Corporation
汇丰银行


Chartered Bank of India, Australia and China
麦加利银
行


Banque de I'IndoChine
东方汇理银行


central bank, national bank, banker's bank
中央银行


bank of issue, bank of circulation
发行币银行


commercial bank
商业银行，储蓄信贷银行


member bank, credit bank
储蓄信贷银行


discount bank
贴现银行


exchange bank
汇兑银行


requesting bank
委托开证银行


issuing bank, opening bank
开证银行


advising bank, notifying bank
通知银行


negotiation bank
议付银行


confirming bank
保兑银行


paying bank
付款银行


associate banker of collection
代收银行


consigned banker of collection
委托银行


clearing bank
清算银行


local bank
本地银行


domestic bank
国内银行


overseas bank
国外银行


unincorporated bank
钱庄


branch bank
银行分行


trustee savings bank
信托储蓄银行


trust company
信托公司


financial trust
金融信托公司


unit trust
信托投资公司


trust institution
银行的信托部


credit department
银行的信用部


commercial credit company(discount company)
商业信
贷公司（贴现公司）


neighborhood savings bank, bank of deposit
街道储蓄
所


credit union
合作银行


credit bureau
商业兴信所


self-service bank
无人银行


land bank
土地银行


construction bank
建设银行


industrial and commercial bank
工商银行


bank of communications
交通银行


mutual savings bank
互助储蓄银行


post office savings bank
邮局储蓄银行


mortgage bank, building society
抵押银行


industrial bank
实业银行


home loan bank
家宅贷款银行


reserve bank
准备银行


chartered bank
特许银行


corresponding bank
往来银行


merchant bank, accepting bank
承兑银行


investment bank
投资银行


import and export bank (EXIMBANK)
进出口银行


joint venture bank
合资银行


money shop, native bank
钱庄


credit cooperatives
信用社


clearing house
票据交换所


public accounting
公共会计


business accounting
商业会计


cost accounting
成本会计


depreciation accounting
折旧会计


computerized accounting
电脑化会计


general ledger
总帐


subsidiary ledger
分户帐


cash book
现金出纳帐


cash account
现金帐


journal, day-book
日记帐，流水帐


bad debts
坏帐


investment
投资


surplus
结余


idle capital
游资


economic cycle
经济周期


economic boom
经济繁荣


economic recession
经济衰退


economic depression
经济萧条

economic crisis
经济危机


economic recovery
经济复苏


inflation
通货膨胀


deflation
通货收缩


devaluation
货币贬值


revaluation
货币增值


international balance of payment
favourable balance
顺差


adverse balance
逆差


hard currency
硬通货


soft currency
软通货



国际收支


international monetary system
国际货币制度


the purchasing power of money
货币购买力


money in circulation
货币流通量


note issue
纸币发行量


national budget
国家预算


national gross product
国民生产总值


public bond
公债


stock, share
股票


debenture
债券


treasury bill
国库券


debt chain
债务链


direct exchange
直接（对角）套汇


indirect exchange
间接（三角）套汇


cross rate, arbitrage rate
套汇汇率


foreign currency (exchange) reserve
外汇储备


foreign exchange fluctuation
外汇波动


foreign exchange crisis
外汇危机


discount
贴现


discount rate, bank rate
贴现率


gold reserve
黄金储备


money (financial) market
金融市场


stock exchange
股票交易所


broker
经纪人


commission
佣金


bookkeeping
簿记


bookkeeper
簿记员


an application form
申请单


bank statement
对帐单


letter of credit
信用证


strong room, vault
保险库


equitable tax system
等价税则


specimen signature
签字式样


banking hours, business hours
营业时间

四、

储蓄存款利息

What's the interest rate for the savings account?

储蓄存款的利率是多少？


Do you pay interest on this account?

这种存款付给利息吗？


Please tell me what the annual interest rate is.

请告诉我年利率是多少。


Interest is paid at the rate of 1% per annum at present.

目前每年的利率是
1%
。


It allows you to earn a little interest on your money.

这可使你从存款中获得一点利息。


The account carries interest of 4%.

该存款有
4%
的利息。


The interest is added to your account every year.

每年的利息都加到你的存款中。


The interest rate for the savings account is 4%.

储蓄存款的利率是
4%
。


It varies from time to time. At present it is 6%.

（年息）每个时期都不同，现在是六厘。





Useful Words and Phrases


interest rate
利率


simple interest
单利


compound interest
复利


legal interest
法定利息


prime rate
优待利率


payable interest
应付利息


lending rate
贷款利率


usury
高利贷


the subsidy rate for value-preserved savings
保值储蓄
补贴率


五、

存款

六、

How much do you want to deposit with us?


你想在我们这存多少？


How much do you wish to pay into your account?


你希望在你的户头上存多少？


How
much
money
do
you
plan
to
keep
in
your
account on a regular basis?


你计划在你的户头上定期存放多少钱？


How
much
cash
do
you
plan
to
deposit
in
your
account?


你有多少钱要存入呢？


I
think
you
may
deposit
your
money
with
the
bank, or leave it here for temporary safe-keeping.


我认为你可把钱存入银行，或留在银行暂保
管起来。



Would
you
please
fill
in
the
depositing
form,
giving the sum of money you're to deposit as well
as your name, address and professional unit?


请填张存款单，写明要存的数额以及你的姓
名，地址和工作的单位，好吗？



I want to deposit 300 yuan in my account.


我想在我的户头上存
300
元。



I want to deposit these cheques in my account.


我想把这些支票存在我的户头上。



I'd like to pay 200 yuan into my deposit account.


我想在在我的定期存款户头上存
200
元。



I want to deposit my paycheck.


我想存入我的工资支票。



I'd
like
to
know
whether
I
can
cash
a
cheque
here.


我想知道我能否在这兑换支票。



Will you please cash this traveler's cheque?


请兑现这张旅行支票好吗？



I'd like to cash this money order.


我想兑现这张汇款单。



I want to cash the balance of a traveler's letter of
credit.


我要把旅行信用证的结余兑现。



Will you please tell me whether you charge for
cheques?


请告诉我兑换支票收手续费吗？



Could you tell me how much the checks cost?


请告诉我这些支票要花多少钱？



What if I overdraw?


如果透支了怎么办？



Please sign your name on the bottom line if you
want to cash the check.


如果想兑支票，请在底线上签名。



Please
write
your
account
number
on
the
back
of the check.


请在支票背面写上你的帐号。



We honored the check as the overdraft was only
5 yuan.


我们承兑这张支票的透支额只有
5
元。



Please endorse the cheque.


请背签这张支票。



The
traveler's
checks
cost
1.5%
of
the
total
amount of purchase.


旅行支票手续费是购买总额的
1.5%
。



Here's
the
cheque
book.
When
you
send
a
cheque
by
post
be
careful
to
cross
it,
but
if
you
wish
to
cash
a
cheque
yourself,
you
must
leave
it



这是一 本支票簿，你邮寄支票时，注意要在
支票上打叉线。但是如果你本人想开张兑现支
票，就不可打 叉线。



Each cheque you write will cost 2 dollars.


你每开一张支票将花
2
美圆。




七、

Useful Words and Phrases


account number
帐目编号



depositor
存户



pay-in slip
存款单



a deposit form
存款单



a banding machine
自动存取机



to deposit
存款



deposit receipt
存款收据



private deposits
私人存款



certificate of deposit
存单



deposit book, passbook
存折



credit card
信用卡



principal
本金



overdraft, overdraw
透支



to counter sign
双签



to endorse
背书



endorser
背书人



to cash
兑现



to honor a cheque
兑付



to dishonor a cheque
拒付



to suspend payment
止付



cheque,check
支票



cheque book
支票本



order cheque
记名支票



bearer cheque
不记名支票



crossed cheque
横线支票



blank cheque
空白支票



rubber cheque
空头支票



cheque stub, counterfoil
票根



cash cheque
现金支票



traveler's cheque
旅行支票



cheque for transfer
转帐支票



outstanding cheque
未付支票



canceled cheque
已付支票



forged cheque
伪支票



Bandar's note
庄票，银票

八、

银行常用语

九、

请入收款人的户号


account payee

请支付票款


advice to pay cheques

惠请通知该支票的经过


advise fate

金额有错误


accounts differ

文字与数字所记载金额不同


words and figures differ

签名有误
|
印鉴不符


signatures differ

请明天再次提出为荷


present again tomorrow

保证付款


good for payment

请照会发票人


refer to drawee (R.D.)

无交易


no account

款额不足
||
存款不足


not sufficient (N.S.)||no sufficient funds (N.S.F.)

已无存款


no funds

如支票不获兑现时
,
不必出具拒绝证书。


notto
be
protested
in
case
of
dishonour||protest
waived||no protest

需要出具拒绝证书


to be protested

没有通知


no advice

未受指示


no orders

禁止转让
||
不可转让


non- transferable||not transferable

已付款


received payment||payment received

上开价金已收到


value received||for value received

上开价金系经核算


value in account

上开金额与发票相同


value as per invoice

上开金额与通知书相符


value as per advice

无追索权


without recourse

有追索权
||
偿还请求权


right of recourse

请求偿还清单
||
清偿帐户


recourse account

偿还准备金


recourse fund

拒绝偿还
||
拒绝追索


recourse repudiation
十、

银行业务部门中英文对照
Board of Directors
President
Executive Office
Personnel Dept.
General Affairs Dept.
Co- ordination & Planning Dept.
International Dept.
Overseas Branches Dept.
Foreign Exchange Dept.
First Credit Dept.
Second Credit Dept.
Accounting Dept.
International Clearing Dept
Banking Dept.
Credit Card Dept.
董事会

行长

经理办公室


人事部

总务部

综合计划部
国际业务部

海外部


外汇资金部


信贷一部

信贷二部

财会部

国际清算部

营业部


信用卡部