金融指貨幣的發(fā)行、流通和回籠，貸款的發(fā)放和收回，存款的存入和提取，匯兌的往來(lái)等經(jīng)濟(jì)活動(dòng)。接下來(lái)小編為大家整理了金融口語(yǔ)對(duì)話(huà)2篇，希望對(duì)你有幫助哦!

　　一、個(gè)人貸款

　　A：Hello, Sir, may I help you?

　　你好，先生，您需要什么服務(wù)?

　　B：Yes. I would like some information for requesting a loan.

　　我想了解些申請(qǐng)貸款的信息。

　　A：Very well, here are the general terms of our loan policies. We pride ourselves in having thelowest interest rate in the country for personal loans.

　　好的，這是貸款政策的基本條款。全國(guó)范圍內(nèi)我們銀行的個(gè)人貸款利率是最低的。

　　B：I see. So let me get this straight. If I borrow let’s say, ten thousand dollars, how much will Ihave to pay each month?

　　我明白。那我就直說(shuō)吧，如果我借1萬(wàn)美元，每個(gè)月我應(yīng)該還多少錢(qián)?

　　A：It depends on how long you take to pay it back. If we lend you ten thousand dollars at anannual interest rate of ten percent for forty eight months, you would have to pay each month aportion of the loan which is called the principal and another small portion of the annualinterest rate. This of course is considering that you don’t default on a payment!

　　主要取決于你還款的時(shí)間。如果我們以年利率百分之十貸款1萬(wàn)美元給你，為期48個(gè)月，你每月必須還一部分叫做基本額度，還有一小部分年利率。這當(dāng)然是在不考慮您拖欠還款的請(qǐng)款下計(jì)算的

　　B：It sounds good but, there is just one problem. I have a terrible credit score.

　　聽(tīng)起來(lái)不錯(cuò)，但是還有個(gè)問(wèn)題，我信用評(píng)分很差.

　　A：That is a very serious problem you see, the bank must assess your personal information,past loans, assets and any other relevant information such as your credit score in order toapprove your loan.

　　那是個(gè)嚴(yán)重的問(wèn)題，銀行必須評(píng)估你的個(gè)人信息，過(guò)去貸款記錄，財(cái)產(chǎn)和其他相關(guān)信息，比如準(zhǔn)許你貸款的信用評(píng)分。

　　B：You know what? I don’t really need the money. Thanks anyways!

　　你知道嗎?我不真的很急需錢(qián)，無(wú)論如何，謝謝你。

　　二、個(gè)人轉(zhuǎn)賬

　　A：Good morning ,welcome to Bank of the USA. How may I help you today?

　　早晨好，歡迎來(lái)到美國(guó)銀行，我能為你做點(diǎn)什么?

　　B：Hi,I need to transfer some money to another account. It’s urgent.

　　你好，我需要將錢(qián)轉(zhuǎn)到另一個(gè)賬號(hào)，很緊急。

　　A：Okay, have you made a wire transfer at our bank before?

　　好的，你以前在我們銀行電匯過(guò)嗎?

　　B：No. I’ve never made a transfer before.

　　沒(méi)有，我早先沒(méi)轉(zhuǎn)過(guò)。

　　A：It’s alright, I will take you through the procedure. Are you transferring funds to acompany or an individual account?

　　好吧，我會(huì)指導(dǎo)你如何辦手續(xù)，你是將錢(qián)轉(zhuǎn)到另一個(gè)公司賬戶(hù)還是個(gè)人賬戶(hù)?

　　B：A company account. I need to pay a bill.

　　公司賬戶(hù)，我需要付錢(qián)。

　　A：Okay, I’ll need the name of the company and their bank routing number as well as theirbank’s address and phone number.

　　好的，我要知道公司的名字和開(kāi)戶(hù)號(hào)還有他們的銀行地址和手機(jī)號(hào)。

　　B：I have all the information in this folder.

　　文件里有所有信息。

　　A：Well. You’ve come prepared. I have all the necessary materials so we can go ahead andmake the transfer right now. It’s a simple transaction, and we can process it today.

　　看來(lái)你已經(jīng)準(zhǔn)備好了，你已經(jīng)有必須的材料，現(xiàn)在我們就能轉(zhuǎn)賬。這是個(gè)簡(jiǎn)單的手續(xù)，我們今天就能辦理。

　　B：Oh, that’s such a relief. I didn’t want the payment to be overdue. Thank you so much.

　　那讓我感到了些寬慰。我不想付款付晚了，非常感謝謝謝。

　　A：It’s my pleasure.

　　為你服務(wù)是我的榮幸。