銀行英語口語-Negotiation詞彙
銀行英語口語－Negotiation押匯
C: Excuse me, do you provide any trade service here?
你們有提供貿易押匯服務嗎？
T: Yes, we do. Can I help you, sir?
有的，先生。我能為你效勞嗎？
C: Yes, I'd like to know how about the services you provide to customers in which credit facilities are not required?
我想知道你們提供給客户無須信貸安排的服務有那些項目？
T: Certainly, sir. The services will include export financing; outward bills collection transferable letters of credit, letters of credit advising and confirmation, inward bills collection, trade information and insurance.
那當然可以，先生。服務範圍包括出口貸款，出口單託收，信用證轉讓，信用證通知及確認，進口單託收，貿易資料及保險服務。
C: How can I benefit from your export services?
那麼在出口押匯文件的處理上，我所享有的服務有怎樣？
T: Our staff works until 6:00pm each weekday night so that your export documents can be promptly processed. This will greatly help your cash flow. In addition, we can dispatch documents to your counterparty's bank for earlier payment. In turn, will save your transit interest.
我們的職員每日能為您服務到下午6點，確保各出口押匯文件可及時辦妥，使你的現金週轉更加靈活。同時，由於我們能助你將單據儘早遞送到你的業務夥伴的銀行及收取有關款項，所以能使你縮減利息開支。
C: By the way, can I fax my instruction to your bank?
那麼，我可以將押匯指示以傳真方式通知貴行嗎？
T: Sure, this is what we always encourage our customers to do. Besides, as we have an advance-computerized system to process the documents efficiently and accurately, you can use our electronic facilities for trade transactions
當然可以， 我們一直鼓勵客户這樣做。此外，由於我們設有先進的電腦系統，能有效率及準確地處理貿易文件，所以，你也可透過我們的電子銀行服務進行各項押匯交易。
C: Can your bank provide training or seminars on trade documentation to our company? As we note that it is very difficult to train new staff.
貴行會向我們提供有關貿易單據處理的培訓班和講座嗎？因為我們在訓練新職員時常遇到這方面的問題。
T: Yes, we do. This service will be subject to your request.
我們會的。這服務將根據你們的需要和要求而定。
C: Okay. I'll think about it seriously and will probably contact you again later. Thanks a lot!
好的，我將詳細考慮這項服務，我會再聯絡你，謝謝！
T: Not at all!
不用客氣！
Negotiation 押匯
C: Excuse me, do you provide any trade service here?
你們有提供貿易押匯服務嗎？
T: Yes, we do. Can I help you, sir?
有的，先生。我能為你效勞嗎？
C: Yes, I'd like to know how about the services you provide to customers in which credit facilities are not required?
我想知道你們提供給客户無須信貸安排的服務有那些項目？
T: Certainly, sir. The services will include export financing; outward bills collection transferable letters of credit, letters of credit advising and confirmation, inward bills collection, trade information and insurance.
那當然可以，先生。服務範圍包括出口貸款，出口單託收，信用證轉讓，信用證通知及確認，進口單託收，貿易資料及保險服務。
C: How can I benefit from your export services?
那麼在出口押匯文件的處理上，我所享有的服務有怎樣？
T: Our staff works until 6:00pm each weekday night so that your export documents can be promptly processed. This will greatly help your cash flow. In addition, we can dispatch documents to your counterparty's bank for earlier payment. In turn, will save your transit interest.
我們的職員每日能為您服務到下午6點，確保各出口押匯文件可及時辦妥，使你的現金週轉更加靈活。同時，由於我們能助你將單據儘早遞送到你的業務夥伴的銀行及收取有關款項，所以能使你縮減利息開支。
C: By the way, can I fax my instruction to your bank?
那麼，我可以將押匯指示以傳真方式通知貴行嗎？
T: Sure, this is what we always encourage our customers to do. Besides, as we have an advance-computerized system to process the documents efficiently and accurately, you can use our electronic facilities for trade transactions
當然可以， 我們一直鼓勵客户這樣做。此外，由於我們設有先進的電腦系統，能有效率及準確地處理貿易文件，所以，你也可透過我們的電子銀行服務進行各項押匯交易。
C: Can your bank provide training or seminars on trade documentation to our company? As we note that it is very difficult to train new staff.
貴行會向我們提供有關貿易單據處理的培訓班和講座嗎？因為我們在訓練新職員時常遇到這方面的問題。
T: Yes, we do. This service will be subject to your request.
我們會的。這服務將根據你們的需要和要求而定。
C: Okay. I'll think about it seriously and will probably contact you again later. Thanks a lot!
好的，我將詳細考慮這項服務，我會再聯絡你，謝謝！
T: Not at all!
不用客氣！
會計賬目用語
會計報表
statement of account
往來帳目
account current
現在往來帳||存款額
current accout
銷貨帳
account sales
共同計算帳項
joint account
未決帳項
outstanding account
貸方帳項
credit account||creditor account
借方帳項
debit account||debtor account
應付帳||應付未付帳
account payable
應收帳||應收未收帳
account receivable
新交易||新帳
new account
未決帳||老帳
old account
現金帳
cash account
流水帳
running account
暫記帳||未定帳
suspense account
過期帳||延滯帳
overdue account||pastdue account
雜項帳户
sundry account
詳細帳單||明細表
detail account
呆帳
bad account
會計項目
title of account
會計薄||帳薄
account-book
營業報告書||損益計算表
account of budiness||business report
借貸細帳||交驗帳
account rendered
明細帳
account stated
與... 銀行開立一户頭
to open an account with
與... 銀行建立交易
to keep account with
繼續記帳
to keep account
與... 有交易
to have an account with
作成會計帳||有往來帳項
to make out an account with
清算||清理債務
to make up an account
清潔帳目||與... 停止交易
to close one's account with
結帳
to close an account
清理未付款
to ask an account||to demand an account
結清差額
to balance the account with
清算
to settle an account||to liquidate an account||to square an account
審查帳目||監查帳目
to audit an account
檢查帳目
to examine an account
轉入A的帳户
to charge the amount to A's account
以計帳方式付款
to pay on account
代理某人||為某人
on one's account||on account of one
為自己計算||獨立帳目
on one's own account
由某人收益並負風險
on one's account and risk||for one's account and risk
由某人負擔
for one's account||for account of one
按某人指示||列入某人帳户
by order and for account of one
列入5月份帳目
for May account
編入某中帳項下
to pass to the account of||to place to the account of
寄出清算書
to send in an account||to send in render an account
銀行英語口語－回答客户問題
Customer: Excuse me , but can I draw on my account for payment of things I buy in China ?
顧客：勞駕，請問我能不能提取存款嘗付我在中國買東西的費用？
Clerk: Certainly, sir. How much do you draw?
職員：當然可以，先生。您要取多少錢？
Customer: RMB 8,000 please. Would you please tell me my balance?
顧客：請給我人民幣8，000元。請把我帳號上的節餘金額告訴我好嗎？
Clerk: Yes, sir. Your balance is RMB 34,000.
職員：好的，先生。你的帳户餘額是人民幣34000元。
Customer: I am sorry, but may I ask one more question?
顧客：對不起，我能不能再問一個問題？
Clerk: Of course, please do. What is it?
職員：當然可以了。請問是什麼問題？
Customer: What is the interest rate for the saving account?
顧客：儲蓄存款的利率是多少？
Clerk: The detailed information is on the board. Please go and see it.
職員：詳細的情況在那塊利率牌上。請去那裏看看吧。
Customer: Many thanks.
顧客：非常感謝。
Dialogue Tow
對話（2）
Customer: Excuse me, but could you help me?
顧客：對不起，能幫我一個忙嗎？
Clerk: With pleasure. What can I do for you?
職員：很高興為您效勞。我能為您做些什麼？
Customer: Could you tell me where I can find Mr Zhang?
顧客：請告訴我張先生在哪裏，好嗎？
Clerk: Sure Miss. Mr Zhang is upstairs.
職員：沒問題，小姐。張先生在樓上。
Customer: Thank you very much.
顧客：非常感謝。
Clerk: Not at all, miss.
職員：不客氣，小姐。
Dialogue Three
對話（3）
Customer: Do you charge for cheques?
顧客：請問，兑換支票你們收手續費嗎？
Clerk: Yes we do. Each cheque you write will cost RMB 2.
職員：是的，我們收手續費。您每開一張支票就要花人民幣2元。
Customer: Do I have to deposit a large sum of money if I want to open a chequing-savings account?
顧客：如果我要開一個支票儲蓄帳户，我必須存一大筆錢嗎？
Clerk: Not necessarily, sir.
職員：不一定的，先生。
Customer: Regarding the interest rate, what is the difference between a savings account and checking account?
顧客：在利率方面，儲蓄存款和支票存款有什麼不同？
Clerk: Not big difference, sir.
職員：沒有太大的區別，先生。
Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit?
顧客：我知道了。我想開一個支票存款帳户。300美圓作最低存款額夠了嗎？
Clerk: Definitely.
職員：足夠了。
銀行英語口語－向客户提建議
Customer: Hello, I would like to open an account, but I do not know what account it should be.
顧客：你好。我想開立一個帳户，但我不知道要開哪種帳户。
Clerk: Do you often deposit money and draw money ?
職員：您經常存錢和取錢嗎？
Customer: No, I do not. I just want to deposit my salary and use this account to pay the things I buy at department stores once a month.
顧客：不，我不經常存錢和取錢。我只想把工資存入並且用這個帳户來支付每月一次在百貨商店所買的東西的帳款。
Clerk: So, it will be a good idea for you to open a checking account. Do you think so?
職員：那麼您還是開立一個支票帳户的好。您認為怎麼樣？
Customer: All right ,if that account will make.
顧客：行，如果這個帳户合適的話。
Dialogue Two
對話（2）
Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me?
顧客：你好，先生。我是日本人。我的英語不太好，你能幫忙嗎？
Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do.
職員：很高興為您效勞，但我想您最好告訴我您想要幹什麼。
Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo.
顧客：啊，我想兑換些錢，但不知道怎樣填寫兑換水單。我不會看英文。
Clerk: Would you care to give me your passport and write your name on the paper?
職員：您能把您的護照給我，並把您的名字寫在這張紙上嗎？
Customer: There you are. My name is Tanaka.
顧客：給你護照和姓名，我叫田中。
Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment?
職員：好，我現在就為您填寫這張兑換水單。您請在那裏坐一會行嗎？
Customer: I would like to. Thanks.
顧客：好的，謝謝。
Clerk: Hello, Mr. Tanaka. I was wondering if you would ever thought of conversing the unused Renminbi back into Japan yen later?
職員：您好，田中先生，不知道您是否考慮到以後要把沒有用完的人民幣兑換成日元呢？
Customer: Yes, if I will have Renminbi left.
顧客：是的`，如果有沒用完的人民幣的話，就要換成日圓。
Clerk: So, If I may make a suggestion , please keep your exchange memo safe,
職員：那麼，如果我還可以提一個建議的話，請您保管好您的這張兑換水單。
Customer: Thank you indeed. I will do that.
顧客：我會保管好的。謝謝。
Clerk: Not at all.
職員：不用謝。
銀行英語口語－兑換貨幣
Please tell me how much you want to change.
請告訴我你要換多少。
How much of the remittance do you want to convert into Japanese yen?
你要把多少匯款換成日圓？
What kind of currency do you want?
要哪種貨幣？
What's it you wish to change?
你有什麼要換的？
What kind of currency do you want to change?
要換哪種貨幣？
In what denominations?
要什麼面值的？
Please tell me what note you want.
請告訴我要什麼鈔票。
Will seven tens be all right?
7張10元的可以嗎？
Is it in traveler's cheques?
換旅行支票嗎？
I'd like to know how I shall give it to you.
我想知道如何付錢給你。
How would you like it?
你要什麼面額的？
Would you kindly sign the exchange form, giving your name and address?
請在兑換單上簽字，寫出你的姓名和地址，好嗎？
Can you change me some money, please?
能否請你給我兑換一些錢？
Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders.
這些就是：一些法國法郎，瑞士法郎，美圓和一些荷蘭盾。
Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.
請你給我7張5鎊紙幣，4張1鎊紙幣，4張10先令紙幣，剩下的要零票。
Would you mind giving me the six pence in coppers?
勞駕給我6便士的銅幣。
I'd like to know if you could change this money back into U.S. dollars for me.
我想知道能否把這筆兑回成美圓。
Could you change these French francs for me?
能給我兑換這些法國法郎嗎？
Can you give me 100 dollars in Swiss francs?
能否給我100美圓的瑞士法郎？
I'd like to convert the full amount of the remittance into U.S. dollars.
我想把全部匯款換成美圓。
I'd like some coins for this note.
我想把這張紙幣換成硬幣。
I'd like to break this 50 dollar note.
我想把這張50美圓紙幣換開。
Five twenties and ten singles, please.
請給我5張20元和10張一元的。
I need 300 dollars in 100-dollar cheques.
我要300美圓票面為100美圓的支票。
I hope you'll give me ten traveler's cheques of 100 dollars each.
我希望給我10張面額為100美圓的旅行支票。
In fives, please.
請給我5元票面的。
Could you give me some small notes?
給我一些小票好嗎？
Useful Words and Phrases
currency, money 貨幣
money changing 兑換貨幣
an exchange form 兑換單
bank note 鈔票
note of large denomination 大票
note of small denomination 小票
small change 零錢
subsidiary money 輔幣
nickel piece 鎳幣
plastic currency notes 塑料鈔票
convertible money 可兑換（黃金）紙幣
銀行英語口語－信用證
L/C(信用證)
C= Customer顧客 T=Teller職員
T: Can I help you, sir?
能幫你什麼忙嗎，先生？
C: Yes, I want to open an L/C, but I don't know how to work?
對， 我想開個信用正， 但我不明白如何運作？
T: Ok, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer (always the importer). It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter (beneficiary). The bank acts as the first payer and this is the most important feature of L/C.
好， 讓我來告訴你。 信用正是應客户（通常是進口商）的要求而開立的一種付款承諾文件，信用證將被寄給出口商，使出口商可以把貨物裝船， 並根據信用正的要求準備單據。一旦信用證和單據提交給開證行，開證行必須立即付款給出口商（受益人）。銀行就作為第一支付人進行支付，這就是信用證最重要的特徵。
C: I see, would you tell me what's the main content of an L/C?
我明白了， 你能告訴我信用證的主要內容嗎？
T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.
商品的品名，數量，單價和種類， 裝貨港和目的地，價格和付款條件，裝船單據，最後裝運期和到目的地的有效期。
C: Then how can I send an L/C to my customer?
那麼， 我怎麼才可以向我的客户開出信用證呢？
T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent (advising bank) will send the L/C to the exporter.
習慣上，開證行總是向出口商所在地的代理行發出郵件或電報，在檢驗信用證的真實性後，代理行（通知行）將向出口方發出信用證。
C: How can my customer receive the proceeds?
我的客户怎樣才能收到錢？
T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer's account when releasing the shipping documents to the importer. The whole transaction now comes to the end.
信用證是可以議付的，出口商向議付行提交信用證所要的所有單據， 只要所提交的單據和信用證要求的條件是一致的話，銀行將議付。當開證行將裝船單據交給進口商時，開證行就借記進口方的帳户，整個交易就完成了。
C: I see, Thank you very much
我明白了，謝謝你！
T: you're welcome!
別客氣
L/C(信用證)
C= Customer顧客 T=Teller職員
T: Can I help you, sir?
能幫你什麼忙嗎，先生？
C: Yes, I want to open an L/C, but I don't know how to work?
對， 我想開個信用正， 但我不明白如何運作？
T: Ok, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer (always the importer). It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter (beneficiary). The bank acts as the first payer and this is the most important feature of L/C.
好， 讓我來告訴你。 信用正是應客户（通常是進口商）的要求而開立的一種付款承諾文件，信用證將被寄給出口商，使出口商可以把貨物裝船， 並根據信用正的要求準備單據。一旦信用證和單據提交給開證行，開證行必須立即付款給出口商（受益人）。銀行就作為第一支付人進行支付，這就是信用證最重要的特徵。
C: I see, would you tell me what's the main content of an L/C?
我明白了， 你能告訴我信用證的主要內容嗎？
T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.
商品的品名，數量，單價和種類， 裝貨港和目的地，價格和付款條件，裝船單據，最後裝運期和到目的地的有效期。
C: Then how can I send an L/C to my customer?
那麼， 我怎麼才可以向我的客户開出信用證呢？
T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent (advising bank) will send the L/C to the exporter.
習慣上，開證行總是向出口商所在地的代理行發出郵件或電報，在檢驗信用證的真實性後，代理行（通知行）將向出口方發出信用證。
C: How can my customer receive the proceeds?
我的客户怎樣才能收到錢？
T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer's account when releasing the shipping documents to the importer. The whole transaction now comes to the end.
信用證是可以議付的，出口商向議付行提交信用證所要的所有單據， 只要所提交的單據和信用證要求的條件是一致的話，銀行將議付。當開證行將裝船單據交給進口商時，開證行就借記進口方的帳户，整個交易就完成了。
C: I see, Thank you very much
我明白了，謝謝你！
T: you're welcome!
別客氣.
