銀行英語口語培訓材料

1、part 1 daily reception日常接待addressing people 稱呼 greetings 問候 providing services 服務instructions to fill out the forms 填單 charges 收費dealing with complains 處理糾紛 confiscating counterfeit notes 沒收假鈔greetings 問候1. good morning, sir/madam. welcome to harbin bank. what can i do for you?早上好，先生/女士，歡迎光臨哈爾濱銀行，能為

2、您效勞嗎？2. how do you do? sir. is there anything i can do for you?先生，您好。請問要辦理什么業(yè)務?3. madam, are you being attended to?女士，是否有人接待您了？providing services 服務1. pardon?/would you mind repeating your question, please? 請您再說一遍好嗎?2. may i ask your nationality? 請問您的國籍？ 3. please take a seat. 請坐。4. please wait a mo

3、ment./just a minute, please. 請稍等。 5. im sorry to keep you waiting, sir/madam, but ill be with you in a moment.先生/女士，很抱歉請你稍等，我一會兒就回來。6. please follow me. /come with me, please. 請跟我來。7. this way, please 這邊請。8. go upstairs, please. 請上樓。9. please go to counter no. 4. you can change your money into small

4、 notes there.請到4號柜臺兌換零鈔。10. please feel free to ask for any banking service during your stay in harbin.您在哈爾濱期間，如需要請隨時找我們辦理各種業(yè)務。instructions to fill out the forms 填單1. this is an exchange memo. please fill in your name, passport number, your nationality and the amount you intend to change.這是兌換水單，請?zhí)顚懩?/p>

5、的姓名，護照號碼，國籍以及您打算兌換的金額。2. sorry, you forget the date; it goes at the top in the right-hand corner.抱歉，您沒寫日期，在右上角頂端。3. please fill in this application form and sign your name.請?zhí)顚戇@張表格并簽名。4. you have to write the amount in numbers and in words as well.金額既要求小寫，也要求大寫。charges 收費1. the charge for the t/t is

6、100 yuan.您的電匯費用是100元。2. i will figure out the charges and then type them out.我會算出服務費金額并打印出來。3. we would also charge you an extra service commission.我方將向您收取額外的服務費。4. at your request, we deducted it from the remittance.按照您的要求，我方已將費用從匯款金額中扣除。dealing with complains 處理糾紛1. how do you do? sir. im the serv

7、ice manager. would you please have a talk with me about it?你好，我是大堂經(jīng)理。您愿意就此事和我談一下嗎？2. just take it easy.別急。（常用來穩(wěn)定對方情緒。）3. well, please calm down, i think i can help you with the problem. 請您冷靜，我能幫助您。4. please have a seat and tell me what happened?請坐，能說說事情經(jīng)過嗎？5. from now on, i must improve my service t

8、o satisfy the customers.以后我一定改進我的服務水平，使顧客滿意。6. well pay attention to this and improve our services accordingly.我們一定重視并相應的加以改進。7. thank you very much for your understanding and suggestions.非常感謝您的理解和提出的建議。8. its very kind of you saying so. all this is just our duty and responsibility.謝謝您的夸獎，這是我們的職責，是我

9、們應該做的。confiscating counterfeit notes 沒收假鈔1. after technical examination, weve found this note is counterfeit.經(jīng)技術檢驗，您的這張鈔票是假幣。2. according to the relevant regulations, forged notes are to be confiscated.按照有關規(guī)定，假幣必須予以沒收。3. well issue a receipt to you certifying that the note you presented to us is cou

10、nterfeit, and has been confiscated by the bank.我們會給您開收據(jù)，這張收據(jù)能證明您的鈔票是假鈔，且已被我行沒收。part 1 conversation aclerk: would you please fill out this form? its necessary for you to draw money.customer: by all means. clerk: oh, im sorry to trouble you, but could you write the sum in words not in figures?customer

11、: yes, id love to.clerk: youve got a wrong word here. would you mind correcting it?customer: sorry, i will.clerk: thank you, here is your money. please count it.a：取款需要填單，請您填寫這張單子好嗎？b：當然可以。a：哦，對不起，打擾一下，您能把金額大寫而不是小寫嗎？b: 好的。a: 您寫錯了一個字，請您改正一下，行嗎？b: 真對不起，我這就改。a：謝謝。這是您的錢，請點一下。part 1 conversation bcustomer

12、: im afraid ive lost my passbook. ive looked everywhere, but i havent found it.顧客：我丟了存折，我到處都找了，但沒找到。clerk: do you have a code number?職員：有密碼嗎？customer: yes, i have.顧客：有。clerk: so, it doesnt matter. even if someone has got your passbook and come to cash your money from your account, we wont give him m

13、oney if his code number is wrong. now please tell your name and address. and can you tell me your balance on your account? and show me your identification please.職員：有密碼就沒關系。即使有人拿您的存折來兌現(xiàn)，如果他的密碼不對，我們也不會給他錢。現(xiàn)在請告訴我您的姓名和地址。請告訴我您的賬上有多少錢，并出示您的身份證件，好嗎？customer: my balance is about 8000 yuan. and here is my

14、passport.顧客：賬上約有8000元。這是我的護照。clerk: yes, your name, address, code number and balance are all correct. ill give you a new passbook in a minute.職員：對了，您的姓名、地址、密碼和余額都和賬上記錄的相符。我馬上給您開一本新存折。 customer: thanks a lot.part 1 reviewmiss mrs. ms 小姐 夫人 女士 would you mind doing ? 您是否介意？nationality n.國籍counter n.柜臺s

15、mall notes 小面額鈔票exchange memo 兌換水單application form 申請表fill in/out 填寫amount n.金額in numbers 小寫in words 大寫charge n.費用、價格 bank charges 銀行手續(xù)費，服務費 v.收費 charge somebody some money for somethingcommission n.傭金（付給銷貨員，代理，經(jīng)紀人的手續(xù)費，通常按業(yè)務金額的一定百分比收取。）remittance n. 匯款service manager 大堂經(jīng)理would you please do ?請好嗎？（詢問

16、性質(zhì)，委婉）counterfeit adj. n. 偽造的，假冒的；贗品； v.偽造，假冒forged notes 假鈔confiscate v. 沒收，充公receipt n.收據(jù)，收條part 2 opening and closing an account 開戶和銷戶1. we have checking accounts and savings accounts.我們有支票帳戶和儲蓄賬戶。2. opening an account is free of charge, but you have to deposit rmb 10 yuan as your initial deposit

17、.開戶不需要手續(xù)費，但您得先存10元作為起存額。3. in some countries, checking accounts dont offer any interest. 在一些國家，支票帳戶是不付利息的。4. please fill out the deposit slip first.請先填這張存款單。5. how much do you wish to deposit in your account, sir?您想在您的帳戶上存多少錢，先生？6. the annual interest rate for the savings account is 3%.儲蓄存款的年利率是3%。7

18、. when the maturity comes in one year, would you like to continue to deposit?當一年期滿后，您要續(xù)存嗎？8. please let me know my balance.請告訴我余額。9. your deposit is exhausted.您的存款支凈了。10. you should report the loss of your bankbook as soon as you lose it. 存折丟失后應立即掛失。11. heres the deposit and the interest usd850 in a

19、ll.這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.請允許我給您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.如果想取款請您填寫取款單。conversationa: can i help you?b: yes, sir. i want to open a savings account. what is the proper procedure?a:

20、first you fill out the application form and then well issue you a bankbook.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.a: 要幫忙嗎？b: 是的，先生。我要開個儲蓄賬戶。需要辦什么手續(xù)？a: 請您先填一張申請表，然后我們會給您一本存折。b: 起存額有最低限額嗎?a: 沒有，一美元也可以。這是您的存

21、折，先生，請在上面簽個名就可以了part 2 reviewchecking accounts /current account支票帳戶/活期帳戶savings accounts儲蓄帳戶deposit n. v.存款withdraw v. 取款initial deposit起存額principal本金 interest利息deposit/withdrawal slip存款單/取款單demand deposit活期存款time deposit定期存款balance余額report the loss掛失bankbook/passbook存折part 3 loans 貸款1. this is cred

22、it department, what can i do for you?這是信貸部，能為您做點什么？ 2. having a line of credit is very useful for small business owners. 擁有信用額度對小企業(yè)主來說非常有用。3. unsecured loans for small business provided by harbin bank is exclusively designed to finance privately- or individually-owned businesses, mainly used to supp

23、ort their production and operation.微小企業(yè)信用貸款是哈爾濱銀行專為廣大個體工商戶、私營企業(yè)主設計的無需抵押擔保的貸款品種，主要用于生產(chǎn)經(jīng)營活動。4. according to the regulation, we must make an investigation of the credit standing, the operating state of the enterprise, and the possibility of repayment and so on.根據(jù)規(guī)定，我們必須調(diào)查企業(yè)的資信情況、運作情況、貸款償還能力等其他情況。5. any

24、way we have to check your recent balance sheet and income statement again.不過我們的再核實一下貴公司近期的資產(chǎn)負債表及收入表。6. id like to apply for an auto loan, whats the current interest rate?我想申請購車貸款，現(xiàn)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 val

25、ue of the house to be purchased, and the balance should be paid in cash as down payment.關于個人住房抵押貸款，單筆貸款最高額度不能超過所購住房價值的80%，余額應作為首付款用現(xiàn)金支付。part 3 reviewline of credit信用額度unsecured loans無擔保貸款credit standing信用狀況repayment possibility還款可能性balance sheet資產(chǎn)負債表income statement收入表auto loan汽車貸款personal residenti

26、al mortgage loans個人住房抵押貸款down payment首付款，定金part 4 foreign exchange services外匯服務1. what kind of currency and how much do you want to change?您想兌換什么貨幣？兌換多少？2. how much of the remittance do you want to convert into rmb?您想將多少匯款兌換成人民幣?3. do you mean you want to exchange/change some canadian dollars for ch

27、inese money?您是想把加元兌換成人民幣？4. do you mean you want to convert some us dollars into chinese yuan?您是想把美元兌換成人民幣?5. for a foreign exchange transaction for individuals, the minimum amount is usd 100 or equivalent in other currencies. 個人外匯買賣的最低金額為100美元或等值的其他貨幣。6. the exchange rate for notes is rmb 1452.32 y

28、uan per gbp 100 and the rate for cheques is rmb 1456.48 yuan per gbp 100.現(xiàn)鈔匯率是100英鎊兌1452.32元人民幣，支票是100英鎊兌1456.48元人民幣。7. this is an exchange memo. please fill in your name and the amount you intend to change. 這是兌換水單。請?zhí)顚懩男彰蛢稉Q金額。8. an exchange memo is a kind of confirmation note a bank gives to you,

29、when you exchange money.兌換水單就是您兌換人民幣時銀行給您的一張憑證。 9. we need your signature as well.您還需要簽名。10. in what denominations?/how would you like it?你想要多大面值的？11. by the way, keep your exchange memo safe. you may convert the unused rmb back into foreign currency when you leave china. 順便說一下，請妥善保管兌換水單。您可以在離開中國時將剩

30、余的人民幣換回外幣。12. according to our regulations on foreign exchange administration, any amount of foreign currency exceeding usd 5000 or equivalent is forbidden to be taken abroad.根據(jù)我們的外匯管理條例，超過5000美元元以上的美元或等值外匯是禁止攜帶出境的。part 4 conversationa: i want to exchange rmb 50,000 for us dollars.b: that will be 6,

31、255 dollars. how do you want them?a: most of them in fifties. and the rest in one dollar bill.b: all right. here you are. please double check.a: thank you.a: 我想把5萬元人民幣換成美金。b：換成美金是6，255美元，你要多大面額的?a：大部分要50美元的，其他的給我1美元的。b: 好，這是您的錢，請點一下。a: 謝謝。part 4 reviewexchangefor/convertinto兌換equivalentn.當量exchange

32、rate匯率buying rate 買入價selling rate賣出價denomination 計值單位；面值direct quotation直接標價法indirect quotation間接標價法spot n. 即期forwardn. 遠期at par平價discountn. 貼水 premiumn. 升水part 5 letter of credit 信用證1. my purpose of coming here is to ask you to issue a letter of credit for my company.我來此的目的是想請您為我公司開一份信用證。2. you sho

33、uld place some margin with us.您應該向本行交納一定的保證金。3. please see that the contents in the application form are in conformance with those in the contract. 請注意申請表的內(nèi)容應與合同相符。4. id like to amend my l/c opened last month, because our contract has been changed.我想修改上個月開立的那份信用證，因為我們的合同修改了。5. well open an irrevocab

34、le letter of credit in favor of your company. 我們將開出以貴方為受益人的一份不可撤銷信用證。6. we must ask you to open a l/c strictly in conformity with the original terms of the s/c.我方要求貴方須按照銷售合同原定條款開立信用證。7. when you find anything to the contrary in the l/c, please inform us so that we can make amendment accordingly.如貴方發(fā)

35、現(xiàn)有任何內(nèi)容與信用證不符，請通知我們以便作出相應的修改。part 5 reviewissuev. 開立letter of credit (l/c)信用證marginn. 保證金in conformance with與一致amendv. 修改s/c銷售合同irrevocable credit不可撤銷信用證documentary credit跟單信用證confirmed credit保兌信用證standby letter of credit備用信用證to negotiate a credit議付信用證issuing bank開證行advising bank通知行part 6 internet ba

36、nking and telephone banking services 1. on-line banking services are those providing the ability to conduct bank transactions from the comfort of home or office using a telephone, television, or personal computer.網(wǎng)上銀行服務使銀行業(yè)務可以通過電話，電視或個人計算機在家里或辦公室就能辦理。2. examples of on-line transactions include reviewing checking and savings account balances, transferring funds among accounts, paying bills, ordering duplicate bank statements, opening new accounts and so on. 網(wǎng)上銀行業(yè)務包括核查支票帳戶或儲蓄帳戶余額，轉(zhuǎn)賬，支付賬單，申請銀行對賬單，開立新帳戶等等。3. customers