英语口语每天说上半小时 049

49.Bank 银行(上)

1.A current account,please. 请开一个活期账户。

2.I want to deposit 150 dollars in my account. 我想存150美元在我的账户上。

3.I 'd like a deposit account. 我想开一个存款账户。

4.How do we open a current account? 如何开一个活期账户?

5.I'd like to know my balance,please. 我想知道我的余额。

6.What's the interest rate for the savings account? 储蓄账户的利率是多少?

7.The interest rate for the savings account is 4.5%. 储蓄账户的利率是4.5%。

8.Could you explain the different accounts you offer?

你能解释一下你们提供的不同账户之间的区别吗?

9.Please sign your name on this form. 请在表上签上你的名字。

10.Please fill out these forms and sign your name. 请填写这些表并签名。

Dialogue One

A:I want to open a saving account,sir.What's the proper procedure?

先生，我想开一个储蓄账户。正确的手续是怎么样的?

B:First,you fill out the application form and then we'll issue you a passbook.

首先，你要填这份申请表，然后我们会发给你一本存折。

A:Is there any minimum for the first deposit?

第一次存款有最低限额吗?

B:No,Even a dollar is all right.Here's your passbook,sir;just sign your name on it.

没有。即使1美元都行。这是你的存折，先生;在上面签上你的名字。

A:What is the annual interest rate?

年利率是多少?

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

利率总是在变化。现在是6%。

A:By the way,can I open a checking account too?

顺便问一下，我还能再开一个活期存款账户吗?

B:By all means.But you have to deposit enough money before you can write out your checks.

当然可以。但是你必须有足够的存款才能开支票。

Dialogue two

A:Morning.May I help you?

早上好。我可以帮你吗?

B:Yes.I'd like to open an account that enables me to draw money easily.

是的。我想开一个账户，让我取钱可以容易点。

A:Well,in that case,I think a checking account may be more convenient for you.However,there's a service charge.

好的，如果是那样的话，我想活期存款账户对你来说我更方便一点。然而，活期存款账户要收服务费。

B:How much is the service charge?

服务费是多少?

A:One percent.

1%。

B:Sounds reasonable.Will 300 dollars be enough for a minimal deposit?

听起来还算合理。最低存款限额300美元够吗?

A:More than enough.Please fill in this form.

搓搓有余。请填这张表。

B:Anything else?

还有其它的吗?

A:Your passport,please.

这是你的存折。

Dialogue Three

A:Good moming,sir.What can I do for you?

先生，早上好。有什么我可以帮你的吗?

B:Good moming.I would like to open a new account.I want to deposit 500 dollars.

早上好。我想开一个新账户。我想存500美元。

A:Very good,sir.What kind would you like?

非常好，先生。你想要哪种账户呢?

B:Could you tell me how many kinds there are in your bank?

你可以告诉我你们银行有多少种账户吗?

A:Besides the checking account,there's a monthly savings account and a daily interest account.

除了活期存款账户，还有按月计息和按年计息的账户。

B:Oh,I think I'd like to take the monthly savings account then.

噢，那我想我要开一个按月计息的户头。

A:Would you fill out this form?

填一下这张表好吗?

B:OK.Here you are.

好的。给你。

A:All right.And here's your deposit book.

行了。这是你的存折。

B:Thank you.Goodbye.

谢谢你。拜拜。

A:Goodbye.

拜拜。

开户

Yesterday Cathy went to the bank.She asked the bank manager about savings account.She decided to open a savings account.That means she can deposit or withdraw her money at any time.First she signed a signature card.The signature card shows the bank how she signs her name.On the signature card she printed her name,address,home phone number,social security number, driver's license number,date of birth,occupation,and her employer's name and address.Cathy deposited $1000.The bank manager gave her her account number for her new savings account.

卡西昨天去银行。她问了银行经理一些储蓄账户的事宜。她决定开一个储蓄账户。这就意味着她能随时存取款。首先，她签了一张签名卡。签名卡给银行展示她是如何签名的。在签名卡上，她写上姓名、家庭电话号码、社会保险号码、驾驶证号码、出生日期、职业和她的雇主的名字、地址。卡西存了1000美元。银行经理把新的储蓄账户号码给了她。

Bank　银行(下)

1.How do you wish to draw your money? 你想取多少钱?

2.How much do you want to change? 你想换多少钱?

3.How would you like it? 你觉得这个怎么样?

4.What kind of currency do you want to change? 你想换哪种货币?

5.In fives,please. 请给我换成伍元面值的。

6.How should I give it to you? 我要如何给你呢?

7.In what denomination? 什么面值的?

8.Give me some small notes,please. 请给我一些小钞。

9.I want to withdraw some money from my current account,please.

我想从我的活期存款账户取一些钱。

10.I'd like to buy a bank draft. 我想买一张银行汇票。

11.Can I cash a check here? 我可以在这里兑换支票吗?

12.Could you cash this traveler's check,please? 你能帮我兑换这张旅游支票吗?

13.Here's your passbook. 这是你的存折。

14.Do you have your passport with you? 你有带护照吗?

15.Could I see your ID card,please. 我可以看一下你的身份证吗?

Dialogue One

A:May I help you?

我可以帮你吗?

B:I'd like to withdraw some money.

我想取一些钱。

A:Please fill in the slip,stating the exact amount you wish to withdraw.

请在这张小便条上写下你想取款的账户。

B:All right.And here's my bankbook.Is that all?

好了。这是我的存折。这样就行了吗?

A:Your ID card,please.

请出示你的身份证。

B:Oh,yes.Here it is.

噢，是的。这里。

A:Do you want large ones or small ones?

你想要大钞还是小钞?

B:Four in hundred,one in ten,please.

4张100的和一张10元的。

A:Wait a minute,please....Here's the cash.

请稍等…这是你的现金。

B:By the way,I'd like to change some U.S. dollars to pounds and I want to know today's exchange rate.

顺便问一下，我想把一些美金换成英镑，我想知道今天的汇率。

A:Well,sir.According to today's exchange rate,every pound in cash is equivalent to 1.89 U.S. dollars.How much would you like to change?

好的，先生。根据今天的汇率，1英镑现金相当于1.89美元。你想换多少钱?

B:I want 100 pounds.And here are 189 U.S. dollars.

我想换100英镑。这里是189美元。

A:...OK.And here's your money.

好的。这是你的钱。

B:Thank you.And goodbye.

谢谢你。拜拜。

A:Goodbye.

拜拜。

Dialogue Two

A:May I help you?

我可以帮你吗?

B:I'd like to cash this check,please.

我想兑换这张支票。

A:Do you have an account with us?

你在我们这里有账户吗?

B:Yeah.Here's my identification card.

是的。这是我的身份证。

A:Do you want large or small bills?

你想要大钞还是小钞?

B:Actually,I want to buy some traveler's checks.

事实上，我想要买一些旅游支票。

A:What denomination?

什么面值?

B:Twenties would be fine.

20元就行了。

A:Do you want the whole amount in traveler's check?

你想全部兑换成旅游支票吗?

B:Yes,please.

是的。

Dialogue Three

A:Can I help you,sir?

先生，我可以帮你吗?

B:Uh,yes.I'm going to the States and I need some traveler's checks.

额，是的。我将要去美国，我需要一些旅游支票。

A:All right.How much do you need?

好的。你需要多少?

B:One thousand U.S. dollars.

1000美元。

A:One thousand U.S. Mm hmm.And are you going to pay cash?

1000美元。嗯…你想用现金支付吗?

B:Oh,no.I want to withdraw from my U.S. dollars savings account.

噢，不。我想从我的美元储蓄账户上取钱。

A:All right.Now can I have your passbook?

好的。现在我可以看一下你的存折吗?

B:Right.Here it is.

行。这里。

A:Thank you.And what amounts do you want the checks in?

谢谢你。你想把你的支票换成什么面额的?

B:Mm.In hundreds,please.

嗯，请换成100的。

精打细算

Do you want to save money?You can make a budget and save money.It's important to know how much money you spend a month.Some expenses are the same every month,for example,rent,car loan payments ,and car insurance.But some expenses change every month.For example,Let's say during the winter you use a lot of gas to heat your home.Then your gas bill is very high.In the summer you don't heat your home.Then your gas bill is low.You spend a different amount each month on gas for your home.

你想存钱吗?你可以制定一个预算案来存钱。了解一个月花多少钱是很重要的。一些开支每个月都相同，例如：租金、汽车贷款和汽车保险。但是一些开支个个月都在变化。例如。我们这样说，冬天的时候你用了很多煤气来给房间供暖。那么你的煤气账单将会很高。夏天的时候，你不用给房间供暖。那么你的煤气账单就很低。你家里每个月用在煤气上的费用就不同了。

It's important to save money for emergencies.Let's say you and your husband or wife work.Your husband or wife has an accident and can't work for two months.What can you do?How can you pay your bills?You can save money every month for emergencies.It's important to include money for emergencies in your budget.

存钱应急是很重要的。我们这样说，你和你的丈夫或妻子都在工作。你的丈夫或妻子发生意外，两个月不能去上班。你能怎么办?你要如何支付你的账单?你可以每个月存点钱来应急。把你应急的钱算入你的预算里面是很重要的。