金融英語(yǔ)口語(yǔ)中英對(duì)照
金融英語(yǔ)口語(yǔ)中英對(duì)照
在日常生活中，我們能見到各種各樣的英語(yǔ)，可見英語(yǔ)的使用范文很廣。小編在此獻(xiàn)上金融英語(yǔ)，希望對(duì)大家有所幫助。
金融英語(yǔ)口語(yǔ)：帳戶規(guī)章與條例
Account Rules and Regulations
帳戶規(guī)章與條例
Situation 18
情景 18
Leah Jacobs has just opened a savings account at the First National Bank.She is asking a clerk about the meaning of the rules and regulations printed on her passbook.
利厄·雅各布斯剛剛在第一國(guó)民銀行開立了一個(gè)儲(chǔ)蓄帳戶，她正在向一個(gè)職員詢問有關(guān)印在存折上的各項(xiàng)規(guī)章與條例的含義。
Do you mean that I have to give you notice before I can make a withdrawal?
您是說(shuō)，在我取款之前，得事先給您一個(gè)通知嗎?
Clerk:Yes,Mrs.Jacobs,it technically means that .All banks may technically require prenotification before they must honour withdrawal requests on savings or other interest bearing accounts.
職員：是的，雅各布斯夫人。從法律角度上看，它是這個(gè)意思。所有銀行都可能需要一個(gè)事先通知，取款人才有權(quán)從儲(chǔ)蓄帳戶和其他附息的帳戶中取出所需求的款項(xiàng)。
J:How much notice must I give ?
雅各布斯：我需要提前多少時(shí)間通知銀行?
C:Our bank ,like many others,may require seven day's notice .But in actual practice we honour your request without requiring notification .
職員：象許多其他銀行一樣，我們銀行可能要求7天前通知。但實(shí)際工作中，在沒有提前通知的情況下，我們也會(huì)滿足您的取款要求。
Of course ,the bank has the option of enforcing the rule should it be necessary .
當(dāng)然啦，如果必要的話，銀行是有權(quán)利按照這一條規(guī)定來(lái)做的。
J:That's amazing .I never knew that before .
雅各布斯：這倒令我吃驚，以前我從來(lái)不知道這些。
C:You'll find that all banks are required to have the same rule .
職員：您會(huì)發(fā)現(xiàn)，所有的銀行都有這些同樣的規(guī)章。
J:I guess I've never read the fine print on my passbook before.
雅各布斯：我可能還從來(lái)沒讀過(guò)我存折上的這些很小的印刷字體。
This next item says that there is a service charge for more than two transactions a month .
下面一條講到，如果在一個(gè)月內(nèi)有兩次以上存取款，就要收取手續(xù)費(fèi)。
C;Yes,Mrs.Jacobs.Again,that's technically permitted by the regulations.
職員：是的，雅各布斯夫人。同樣，這也是屬于法定條例。
The main reason is to discourage the use of savings accounts for frequent transactions .
這是因?yàn)殂y行不鼓勵(lì)使用儲(chǔ)蓄帳戶進(jìn)行過(guò)于頻繁的存取款活動(dòng)。
Current ,or checking,accounts are designed for regular and frequent transactions.
往來(lái)帳戶或支票帳戶就是為了經(jīng)常和頻繁的存款和取款而設(shè)的。
J:But I've never been charged.
雅各布斯：但是，我卻從來(lái)沒有為此付過(guò)費(fèi)用。
C:Well,most banks rarely invoke that regulation .
職員：哦，大多數(shù)銀行很少實(shí)行那條規(guī)定。
金融英語(yǔ)口語(yǔ)：開立個(gè)人支票帳戶
Opening a Personal Checking Account
開立個(gè)人支票帳戶
Situation 19
情景 19
John Smith is opening a personal checking account at the National City Bank .
約翰·史密斯正在國(guó)家城市銀行開立個(gè)人支票帳戶。
Clerk:May I help you ,sir?
職員：我能為您做什么，先生?
Smith :Yes,please .I'd like to open a personal checking account .
史密斯：謝謝!我想開立一個(gè)個(gè)人支票帳戶。
C;Yes,sir .Do you want a regular or a special checking account ?
職員：好的，先生。您想開立普通的還是特殊的支票帳戶?
S:I'm not sure what the difference is .
史密斯：我不太清楚它們有什么區(qū)別。
C:Special accounts are more economical if you think you'll write fewer than 15 checks each month .
職員：如果您認(rèn)為您每月開支票少于15張，那么特殊帳戶更為經(jīng)濟(jì)。
S:I probably won't write many ,just a few checks each month for shopping and paying some bills.
史密斯：我可能不會(huì)開那么多張支票，一個(gè)月只需幾張支票買東西和支付一些帳單就可以了。
C:I think the special account will be best ,then .
職員：我想那您最好是使用特殊支票，
There's no minimum balance required and the service charge is only 20 cents for each check you write .
它沒有最小存款余額的限制，而且您開出的每張支票只收取20美分手續(xù)費(fèi)。
S:Yes,I think that's what I need.Can I open the account with this check ?It's my payroll check from my company .
史密斯：好的，我看這正是我所需要的。我可以開這種支票賬戶嗎?這是我所在公司的工資支票。
C:Yes,of course .We'll take your payroll check for 7.00 as your initial deposit .
職員：當(dāng)然可以，我們將把您的工資237美元作為您的第一筆存款。
Will you please fill out this signature card with your name,address,and occupation ?
請(qǐng)您在這張簽名卡片上填寫您的姓名、住址和職業(yè)。
I'll get a receipt and a checkbook for you while you're completing these forms.
您填寫這張卡片時(shí)，我來(lái)為您準(zhǔn)備收據(jù)和支票。
S:Can I get my name printed on the checks?
史密斯：可以把我的姓名印在支票上嗎?
C;Yes,of course .We offer free personalized checks to all our customers .
職員：當(dāng)然可以，我們對(duì)這里所有顧客免費(fèi)提供個(gè)人支票。
If you would like your address printed on your checks,too,we can do that for a nominal charge .
如果您愿意把您的住址也印在支票上，我們可以照辦，為此需收取少許費(fèi)用。
S:I think I'll just take the free ones.I can always write my address on the checks myself .
史密斯：看來(lái)我還選擇免費(fèi)支票，自己把住址寫在支票上吧。
金融英語(yǔ)口語(yǔ)：計(jì)算日息
Computing Daily Interest
計(jì)算日息
Situation 20
情景 20
Donald Craig is asking the New Accounts clerk at the First National Bank about their daily interest advertisements.
唐納德·克雷格在第一國(guó)民銀行向一個(gè)負(fù)責(zé)新開帳戶的職員詢問有關(guān)銀行的日息廣告的事。
Craig:What do you mean when you say daily interest in your advertisements?
克雷格：你們的廣告中所說(shuō)的日息是什么意思?
Clerk:We mean that we compute interest on your account balance every day and credit it to your account on a quarterly basis.
職員：我們的意思是說(shuō)，我們每日計(jì)算您的帳戶余額應(yīng)得利息，并且每個(gè)季度把應(yīng)得利息計(jì)入您的帳戶的貸方。
Cr:How can you compute the earnings daily ?Isn't that too much trouble ?
克雷格：你們?cè)趺茨軌蛎咳斩加?jì)算應(yīng)得利息呢?那不是太麻煩了嗎?
C:Well,actually Mr.Craig ,it's relatively easy to do since we keep all our account records by computer
職員：哦，克雷格先生，實(shí)際上做到這一點(diǎn)是比較容易的。因?yàn)槲覀兪褂糜?jì)算機(jī)儲(chǔ)存我們所有的帳戶記錄，
This enables us to give even better service to our customers .
這樣我們就能更好地為我們的顧客服務(wù)。
Cr:You really mean ,then ,that you're paying me interest on the interest that I earn if I keep my money in the bank .
克雷格：那么您實(shí)際上是說(shuō)，如果我把錢存入銀行，你們就會(huì)以復(fù)制的形式支付我所贏得的利息了。
C:Yes,that's right.We credit your earned interest automatically to your account and that figures as part of the balance for the next interest-earning period.
職員：是這樣的。我們會(huì)自動(dòng)地把您贏得的利息計(jì)入您的帳戶的貨方，而且這些利息成了您的帳戶中存款余額的一部分。
It's really an accumulative account which continues to grow and earn returns for you .
再接著計(jì)算利息時(shí)，這一部分余額也將贏得利息。這的確是個(gè)累計(jì)帳戶，不斷地增加數(shù)額為您生息。
Cr:What if I withdraw the earned interest each time? Then I lose the advantages of an accumulative account ,don't I ?
克雷格：如果我每次都把贏得的利息取出來(lái)，又會(huì)怎么樣呢?那我就失去了累計(jì)帳戶的優(yōu)勢(shì)，對(duì)嗎?
C:Yes,you would .The accumulative effect only works if you maintain the balance and earned interest in the account.
職員：是的，您會(huì)失去的。您只有保留帳戶中的金額和贏得的利息，累計(jì)帳戶的效果才能體現(xiàn)出來(lái)。
Cr:That's a good way to make money .I'll try not to make any more withdrawals .
克雷格：這到是個(gè)掙錢的好辦法，我爭(zhēng)取盡量少提取存款。
C:Yes,that's a good plan .
職員：這是個(gè)好計(jì)劃。
Cr:You're right .Maybe I'll become rich that way!
克雷格：您說(shuō)得對(duì)，照這樣做法或許我會(huì)變得富裕起來(lái)。
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