Banking English
Harbin University of Finance Zhang Jing
Contents
Part 1 Daily Reception Part 2 Opening and Closing an Account Part 3 Loans Part 4 Foreign Exchange Services Part 5 Letter of Credit Part 6 Internet Banking and Telephone Banking Services
Part 1 Daily Reception 日常接待
Addressing People 称呼 Greetings 问候 Providing Services 服务 Instructions to Fill Out the Forms 填单 Charges 收费 Dealing with Complains 处理纠纷 Confiscating Counterfeit Notes 没收假钞
Addressing People 称呼

  1.new customer 新顾客 Sir (先生); Madam (女士) (后面不能加姓名) (先生); (女士) (后面不能加姓名)
  2.regular customer 老顾客 Miss 用于未婚女子姓之前 Mrs. 用于已婚妇女姓之前 Ms [miz] 用于女子姓之前(婚姻状况不明或没必 要说明的情况下) Mr. 用于男子姓之前 如 Miss Cleveland; Mr. Smith
Addressing People 称呼
注意: Miss, Mrs, Ms, Mr 只能与全名或姓连用 Sir ; Madam 后面不能加姓名 许多女性更喜欢被称作Ms而不是Miss或 许多女性更喜欢被称作Ms而不是Miss或Mrs, 因为Ms这一称呼不会引起人们对其婚姻状 因为Ms这一称呼不会引起人们对其婚姻状 况的注意。
Greetings 问候

  1. Good morning, sir/madam. Welcome to Harbin bank. What can I do for you? 早上好,先生/ 早上好,先生/女士,欢迎光临哈尔滨银行, 能为您效劳吗?
  2. How do you do? Sir. Is there anything I can do for you? 先生,您好。请问要办理什么业务? 先生,您好。请问要办理什么业务?
  3. Madam, are you being attended to? to? 女士,是否有人接待您了?
Providing Services 服务

  1. Pardon?/Would you mind repeating your question, Pardon?/Would please? 请您再说一遍好吗? 请您再说一遍好吗?
  2. May I ask your nationality? nationality? 请问您的国籍?
  3. Please take a seat. 请坐。
  4. Please wait a moment./just a minute, please. 请稍等。
  5. I’m sorry to keep you waiting, sir/madam, but I’ll be I’ I’ with you in a moment. 先生/ 先生/女士,很抱歉请你稍等,我一会儿就回来。
Providing Services 服务

  6. Please follow me. /Come with me, please. 请跟我来。
  7. This way, please. 这边请。
  8. Go upstairs, please. 请上楼。
  9. Please go to counter No.
  4. You can change your money into small notes there. 请到4 请到4号柜台兑换零钞。
  10. Please feel free to ask for any banking service during your stay in Harbin. 您在哈尔滨期间,如需要请随时找我们办理各种业 务。
Instructions to Fill Out the Forms 填单

  1. This is an exchange memo. Please fill in your name, memo. passport number, your nationality and the amount you intend to change. 这是兑换水单,请填写您的姓名,护照号码,国籍 以及您打算兑换的金额。
  2. Sorry, you forget the date; it goes at the top in the date; rightright-hand corner. corner. 抱歉,您没写日期,在右上角顶端。 抱歉,您没写日期,在右上角顶端。
  3. Please fill in this application form and sign your name. name. 请填写这张表格并签名。 请填写这张表格并签名。
  4. You have to write the amount in numbers and in words as well. 金额既要求小写,也要求大写。
Charges 收费

  1. The charge for the T/T is 100 yuan. 您的电汇费用是100元。 您的电汇费用是100元。
  2. I will figure out the charges and then type them out. 我会算出服务费金额并打印出来。
  3. We would also charge you an extra service commission. commission. 我方将向您收取额外的服务费。
  4. At your request, we deducted it from the remittance. 按照您的要求,我方已将费用从汇款金额中扣除。
Dealing with Complains 处理纠纷

  1. How do you do? Sir. I’m the service manager. I’ manager. Would you please have a talk with me about it? 你好,我是大堂经理。您愿意就此事和我谈一下吗?
  2. Just take it easy. 别急。(常用来稳定对方情绪。)
  3. Well, please calm down, I think I can help you with down, the problem. 请您冷静,我能帮助您。
  4. Please have a seat and tell me what happened? 请坐,能说说事情经过吗?
  5. From now on, I must improve my service to satisfy the customers. 以后我一定改进我的服务水平,使顾客满意。
Dealing with Complains 处理纠纷

  6. We’ll pay attention to this and improve our services We’ accordingly. 我们一定重视并相应的加以改进。
  7. Thank you very much for your understanding and suggestions. 非常感谢您的理解和提出的建议。
  8. It’s very kind of you saying so. All this is just our It’ duty and responsibility. 谢谢您的夸奖,这是我们的职责,是我们应该做 的。
Confiscating Counterfeit Notes 没收假钞

  1. After technical examination, we’ve found this note is we’ counterfeit. counterfeit. 经技术检验,您的这张钞票是假币。
  2. According to the relevant regulations, forged notes are to be confiscated. confiscated. 按照有关规定,假币必须予以没收。
  3. We’ll issue a receipt to you certifying that the note We’ you presented to us is counterfeit, and has been confiscated by the bank. 我们会给您开收据,这张收据能证明您的钞票是 假钞,且已被我行没收。
Part 1 Conversation A
clerk: Would you please fill out this form? It’s It’ necessary for you to draw money. customer: By all means. clerk: Oh, I’m sorry to trouble you, but could you write I’ the sum in words not in figures? customer: Yes, I’d love to. I’ clerk: You’ve got a wrong word here. Would you mind You’ correcting it? customer: Sorry, I will. clerk: Thank you, here is your money. Please count it.
Part 1 Conversation A
A:取款需要填单,请您填写这张单子好吗? B:当然可以。 A:哦,对不起,打扰一下,您能把金额大写而 不是小写吗? B: 好的。 A: 您写错了一个字,请您改正一下,行吗? B: 真对不起,我这就改。 A:谢谢。这是您的钱,请点一下。
Part 1 Conversation B
Customer: I’m afraid I’ve lost my passbook. I’ve I’ passbook. I’ looked everywhere, but I haven’t found it. haven’ 顾客: 顾客:我丢了存折,我到处都找了,但没找到。 Clerk: Do you have a code number? number? 职员: 职员:有密码吗? customer: Yes, I have. 顾客: 顾客:有。 Clerk: So, it doesn’t matter. Even if someone has got doesn’ your passbook and come to cash your money from your account, we won’t give him money if his code won’ number is wrong. Now please tell your name and address. And can you tell me your balance on your account? account? And show me your identification please.
Part 1 Conversation B
职员: 职员:有密码就没关系。即使有人拿您的存折来兑 现,如果他的密码不对,我们也不会给他钱。现在 请告诉我您的姓名和地址。请告诉我您的账上有多 少钱,并出示您的身份证件,好吗? Customer: My balance is about 8000 Yuan. And here is my passport. passport. 顾客:账上约有8000元。这是我的护照。 顾客:账上约有8000元。这是我的护照。 Clerk: Yes, your name, address, code number and balance are all correct. I’ll give you a new passbook in a I’ minute. 职员: 职员:对了,您的姓名、地址、密码和余额都和账 上记录的相符。我马上给您开一本新存折。 Customer: Thanks a lot.
Part 1 review
Miss Mrs. Ms 小姐 夫人 女士 Would you mind doing …? 您是否介意……? 您是否介意……? Nationality n. 国籍 Counter n. 柜台 Small notes 小面额钞票
Exchange memo 兑换水单 Application form 申请表 Fill in/out 填写 Amount n. 金额 In numbers 小写 In words 大写
Part 1 review
Charge n.费用、价格 bank charges 银行手续 n.费用、价格 费,服务费 v.收费 charge somebody some v.收费 money for something Commission n.佣金(付给销货员,代理,经 n.佣金(付给销货员,代理,经 纪人的手续费,通常按业务金额的一定百 分比收取。) Remittance n. 汇款
Part 1 review
service manager 大堂经理 Would you please do …? 请……好吗?(询问 ……好吗?(询问 性质,委婉) Counterfeit adj. n. 伪造的,假冒的; 赝品; v.伪造,假冒 v.伪造,假冒 Forged notes 假钞 Confiscate v. 没收,充公 Receipt n. 收据,收条
Part 2 Opening and Closing an Account 开户和销户

  1. We have checking accounts and savings accounts. accounts. 我们有支票帐户和储蓄账户。
  2. Opening an account is free of charge, but you have to deposit RMB 10 yuan as your initial deposit. deposit. 开户不需要手续费,但您得先存10元作为起 开户不需要手续费,但您得先存10元作为起 存额。
Opening and Closing an Account

  3. In some countries, checking accounts don’t don’ offer any interest. interest. 在一些国家,支票帐户是不付利息的。
  4. Please fill out the deposit slip first. 请先填这张存款单。
  5. How much do you wish to deposit in your account, sir? 您想在您的帐户上存多少钱,先生?
Opening and Closing an Account

  6. The annual interest rate for the savings account is 3%. 储蓄存款的年利率是3%。 储蓄存款的年利率是3%。
  7. When the maturity comes in one year, would you like to continue to deposit? 当一年期满后,您要续存吗?
  8. Please let me know my balance. balance. 请告诉我余额。
  9. Your deposit is exhausted. 您的存款支净了。
Opening and Closing an Account

  10. You should report the loss of your bankbook as soon as you lose it. 存折丢失后应立即挂失。
  11. Here’s the deposit and the interest USD850 in all. Here’ 这是存款本金和利息共850元。 这是存款本金和利息共850元。
  12. Please allow me to give you USD 60 in tens and USD 20 in fives. fives. 请允许我给您60美元10元票面的,20美元5 请允许我给您60美元10元票面的,20美元5元票面 的。
  13. Please fill out withdrawal slip if you want to withdraw money. 如果想取款请您填写取款单。
Conversation
A: Can I help you? B: Yes, sir. I want to open a savings account. What is the proper procedure? A: First you fill out the application form and then we’ll issue you a bankbook. we’ B: Is there a minimum for the first deposit? A: no, even one dollar is all right. Here is your bankbook. Sir, just sign your name on it.
Conversation
A: 要帮忙吗? B: 是的,先生。我要开个储蓄账户。需要 办什么手续? A: 请您先填一张申请表,然后我们会给您 一本存折。 B: 起存额有最低限额吗? 起存额有最低限额吗? A: 没有,一美元也可以。这是您的存折, 先生,请在上面签个名就可以了
Part 2 Review
checking accounts /current account 支票帐户/ 支票帐户/活期帐户 savings accounts 储蓄帐户 Deposit n. v.存款 v.存款 Withdraw v. 取款 initial deposit 起存额 Principal 本金 Interest 利息 Deposit/withdrawal slip 存款单/ 存款单/取款单
Part 2 Review
Demand deposit 活期存款 Time deposit 定期存款 Balance 余额 Report the loss 挂失 Bankbook/passbook 存折
Part 3 Loans 贷款

  1. This is Credit Department, what can I do for you? 这是信贷部,能为您做点什么?
  2. Having a line of credit is very useful for small business owners. 拥有信用额度对小企业主来说非常有用。
  3. Unsecured loans for small business provided by Harbin Bank is exclusively designed to finance privatelyprivatelyor individually-owned businesses, mainly used to support individuallytheir production and operation. 微小企业信用贷款是哈尔滨银行专为广大个体工商 户、私营企业主设计的无需抵押担保的贷款品种, 主要用于生产经营活动。
loans

  4. According to the regulation, we must make an investigation of the credit standing, the operating state standing, of the enterprise, and the possibility of repayment and so on. 根据规定,我们必须调查企业的资信情况、运作 情况、贷款偿还能力等其他情况。
  5. Anyway we have to check your recent Balance Sheet and Income Statement again. 不过我们的再核实一下贵公司近期的资产负债表 及收入表。
loans

  6. I’d like to apply for an auto loan, what’s the current I’ loan, what’ interest rate? 我想申请购车贷款,现在利率是多少?
  7. As to Personal Residential Mortgage Loans, the maximum amount of a single loan shall not exceed 80% of the value of the house to be purchased, and the balance should be paid in cash as down payment. payment. 关于个人住房抵押贷款,单笔贷款最高额度不能 超过所购住房价值的80%,余额应作为首付款用 超过所购住房价值的80%,余额应作为首付款用 现金支付。
Part 3 Review
Line of credit 信用额度 Unsecured loans 无担保贷款 Credit standing 信用状况 Repayment possibility 还款可能性 Balance Sheet 资产负债表 Income Statement 收入表 Auto loan 汽车贷款 Personal Residential Mortgage Loans 个人住房抵押贷款 Down payment 首付款,定金
Part 4 Foreign Exchange Services 外汇服务

  1. What kind of currency and how much do you want to change? 您想兑换什么货币?兑换多少?
  2. How much of the remittance do you want to convert in
 

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   Lesson 5 Man of the Moment About the playwright 1. 2. 3. 4. 5. 6. Alan Ayckbourn was born on 12 April, 1939 to Irene Maud Worley (better known as ‘Lolly’ and who also wrote under the pen-name of Mary James) and Horace Ayckbourn in Hampstead. Alan a ...