上班族英语口语话题72：银行业务

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72.银行业务

I want to open an account in this bank.

我想在这家银行开个储蓄户头。

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

A:我想在这家银行开个储蓄户头。

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

B:好的，先生。您是开活期的还是定期的?

★ open an account

★ 开户

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:现在活期的利率为3%，定期的为9%。

How would you like your money?

您要什么面额的钞票?

A:How would you like your money?

A:您要什么面额的钞票?

B:It's all the same to me.

B:随便什么都可以。

What type of account are you interested in opening?

你想开哪一种账户?

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

A:你想开哪一种账户?

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

B:我需要开个支票账户，做生意用。

Can I get an interest-bearing account?

我们能开有利息的账户吗?

A:Can I get an interest-bearing account?

A:我们能开有利息的账户吗?

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:你可以开计息的金融市场账户,但我们还需要个无息账户。

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

每月开几次支票有限制吗?

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

A:每月开几次支票有限制吗?

B:No,there isn't.

B:没有。

I need a loan or overdraft to expand my business.

我急用一笔贷款或者透支款，以扩展生意。

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

A:我急用一笔贷款或者透支款，以扩展生意。

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

B:我想我可以拨给你8000美元的贷款。

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

对不起，我们无法给你提供货款。

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

A:对不起，我们无法给你提供货款。

B:May I know the reason?

B:请问为什么?

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

请你取消号码为530920开给G马克有限公司的支票，好吗?

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

A:请你取消号码为530920开给G马克有限公司的支票，好吗?

B:OK. Check No. 530920.

B:好吧，支票号码为 530920.

Have you ever thought of getting the draft discounted?

把支票贴现，你想过吗?

Can you please open an irrevocable documentary credit?

能开一张不可撤消的跟单信用证吗?

A:Can you please open an irrevocable documentary credit?

A:能开一张不可撤消的跟单信用证吗?

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

B:当然可以。请问受益人的姓名。金额为多少?

★ irrevocable(adj.)

★ 不能取消的

We have drawn a sight draft on you.

我们开具了一份以你为付款人的即期汇票。

A:We have drawn a sight draft on you.

A:我们开具了一份以你为付款人的即期汇票。

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

B:我会通知银行代我付款，同时转给我船运单据。

★ sight draft( n.)

★ 即期汇票,见票即付票据

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

我们通常不允许透支的，除非你同银行办理了正式手续。

★ overdraft(n.)

★ 透支

Do you have any mortgage for the loan?

您有什么可以做贷款的抵押?

★ mortgage(n.)

★ 抵押

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

既然你们没有担保物,也许可以找个担保人。

★ collateral (n.)

★ 抵押品;担保物

What’s the current market rates of discounting?

现行的市场贴现率是多少?