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，匯兌的往來等經(jīng)濟(jì)活動。接下來小編為大家整理了金融口語對話2篇，希望對你有幫助哦!

　　一、個人貸款

　　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。全國范圍內(nèi)我們銀行的個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。那我就直說吧，如果我借1萬美元，每個月我應(yīng)該還多少錢?

　　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間。如果我們以年利率百分之十貸款1萬美元給你，為期48個月，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款下計算的

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

　　聽起來不錯，但是還有個問題，我信用評分很差.

　　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.

　　那是個嚴(yán)重的問題，銀行必須評估你的個人信息，過去貸款記錄，財產(chǎn)和其他相關(guān)信息，比如準(zhǔn)許你貸款的信用評分。

　　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，無論如何，謝謝你。

　　二、個人轉(zhuǎn)賬

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

　　早晨好，歡迎來到美國銀行，我能為你做點什么?

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

　　你好，我需要將錢轉(zhuǎn)到另一個賬號，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嗎?

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

　　沒有，我早先沒轉(zhuǎn)過。

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

　　好吧，我會指導(dǎo)你如何辦手續(xù)，你是將錢轉(zhuǎn)到另一個公司賬戶還是個人賬戶?

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

　　公司賬戶，我需要付錢。

　　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戶號還有他們的銀行地址和手機(jī)號。

　　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。這是個簡單的手續(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。