【文章內(nèi)容簡介】 Counter 6 will pay you against your number slip. 六號柜臺的出納員將根據(jù)你的號碼牌付給你錢?！?Useful Words and Phrases to close an account, to clear an account 結(jié)清 to draw money 取款 drawingout slip 取款單 the number slip 號碼牌 a withdrawal form 取款單 to fill in the receipt in duplicate 一式兩份填這張收據(jù) teller, cashier 出納員銀行英語口語－儲蓄存款利息What39。s the interest rate for the savings account? 儲蓄存款的利率是多少？ Do you pay interest on this account? 這種存款付給利息嗎？ Please tell me what the annual interest rate is. 請告訴我年利率是多少。 Interest is paid at the rate of 1% per annum at present. 目前每年的利率是1%。 It allows you to earn a little interest on your money. 這可使你從存款中獲得一點利息。 The account carries interest of 4%. 該存款有4%的利息。 The interest is added to your account every year. 每年的利息都加到你的存款中。 The interest rate for the savings account is 4%. 儲蓄存款的利率是4%。 It varies from time to time. At present it is 6%. （年息）每個時期都不同，現(xiàn)在是六厘。 Useful Words and Phrases interest rate 利率 simple interest 單利 pound interest 復利 legal interest 法定利息 prime rate 優(yōu)待利率 payable interest 應付利息 lending rate 貸款利率 usury 高利貸 the subsidy rate for valuepreserved savings 保值儲蓄補貼率銀行英語口語－外匯率Tell me the current rate for RMB, please. 請告訴我人民幣的現(xiàn)價。 What39。s your selling rate for RMB yuan in notes today? 你們今天人民幣現(xiàn)鈔的售價是多少？ What39。s the dollar going for today? 美圓今天的售價是多少？ Our buying rate for notes is 523 yuan for 100 dollars. 我們100美圓的現(xiàn)鈔買入價是523元。 It39。s 200 French francs at today39。s selling rate. 今天的賣出價是200法國法郎。 The buying rate of . dollar notes is 460 yuan per hundred dollars. 美圓現(xiàn)鈔買入價是100美圓付460元。 Useful Phrases buying rate 買進價格 selling rate 賣出價格 　 And how much will it be in Japanese currency? 換成日本幣是多少？ How much would I get for 300 Japanese yen? 300日圓可兌換多少錢？ I39。d like to know the exchange rate for German marks. 我想知道德國馬克的兌換率。 What rate are you giving? 你們提供的兌換率是多少？ What39。s the exchange rate today? 今天的兌換率是多少？ Please tell me what you would give me for my . dollars. 請告訴我這些美圓可以兌換多少錢。 Please tell me the current rate for sterling. 請告訴我英國貨幣的現(xiàn)行兌換率。 If you39。ll wait a moment, I39。ll find out the rates of exchange. 請等一會兒，我查一下兌換率。 Please wait a moment. I39。ll find out the exchange rate between . dollars and RMB. 請等一會兒，我查一下美圓對人民幣的兌換率。 It39。s 470 yuan for 100 dollars. 100美圓可兌470元。 The exchange rate today is 200 yen to the pound. 今天的兌換率是一英鎊可兌200日圓。 The rate for traveler39。s cheques is 300 yuan against 100 dollars. 旅行支票的兌換率是100美圓兌300元。 These dollars are worth 1,000 yuan. 這些美圓可換1000元。 Useful Phrasesexchange table, conversion table 匯兌換算表 foreign exchange 外匯 exchange rate 外匯率 conversion rate 折合率 foreign exchange restriction 外匯限額 foreign exchange quotations 外匯行情 to check the rate for sb. 查牌價DIALOGUE 1C= Customer顧客 T=Teller職員 T: Can I help you, sir?能幫你什么忙嗎，先生？C: Yes, I want to open an L/C, but I do not 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。 信用正是應客戶（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， 并根據(jù)信用正的要求準備單據(jù)。一旦信用證和單據(jù)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征。C: I see, would you tell me what is the main content of an L/C?我明白了， 你能告訴我信用證的主要內(nèi)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(shù)量，單價和種類， 裝貨港和目的地，價格和付款條件，裝船單據(jù)，最后裝運期和到目的地的有效期。C: Then how can I send an L/C to my customer?那么， 我怎么才可以向我的客戶開出信用證呢？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(fā)出郵件或電報，在檢驗信用證的真實性后，代理行（通知行）將向出口方發(fā)出信用證。C: How can my customer receive the proceeds?我的客戶怎樣才能收到錢？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 pliance 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 es 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(jù)， 只要所提交的單據(jù)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(jù)交給進口商時，開證行就借記進口方的帳戶，整個交易就完成了。C: I see, Thank you very much我明白了，謝謝你！T: you are wele!別客氣！DIALOGUE 2C=Customer T=Teller T: Hello! May I help you?您好，您有事需要幫忙嗎？C: Yes, I hope so. I need some more cash for my visit in China. May I cash a traveler,s check here?是的， 是這樣。 我需要些現(xiàn)金，在中國觀光時使用。我能在這兒兌現(xiàn)旅行支票嗎？T: Of course. We would be happy cash it for you.當然， 我很樂意為您兌現(xiàn)。C: I was going to cash it at the hotel, but one of my friends said that banks always give better exchange rates.我原本打算在家旅館兌現(xiàn)， 但我朋友說銀行的兌現(xiàn)率通常有點高。T: Well, any bank will cash it at our present traveler,s checkbuying rate, which we somewhat better than at hotels because of the service charge. You see, hotels are not really in the money exchange business although they will cash traveler,s checks for their guests.任何銀行都是按現(xiàn)時買入旅行支票的兌換率來兌現(xiàn)的。這個兌現(xiàn)率我們已經(jīng)列在這里了。當然，因為手續(xù)費的差異，我們的兌換率比旅館的稍高些。您知道，旅館雖然為客人兌換旅行支票， 但他們并不是專門從事兌換業(yè)務的。C: You mean there is really not much of a difference?您是說，實際上銀行與旅館的兌換率差距并