銀行相關(guān)背景知識介紹(編輯修改稿)
2025-07-21 18:18 本頁面
【文章內(nèi)容簡介】 ine的開頭字母縮寫。teller, 就是在銀行窗口工作的營業(yè)員。Jenny既沒有支票也沒有自動提款機卡，因為她覺得這兩樣?xùn)|西都不是很方便。但是Peter卻不這樣認(rèn)為，因為只要在一個銀行開了戶，就可以在全市、全國甚至全世界的聯(lián)網(wǎng)支行里存取款。open an account, 就是開戶，close an account, 就是銷戶。 6. 甚至還可以從銀行那里得到免費的軟件在網(wǎng)上付款。實際上真的是很方便。Peter還提醒Jenny開戶不要忘了帶社會保險卡，social security card，在美國就相當(dāng)于身份證，經(jīng)常要用到。social security number, 社會保險號碼，就像我們的身份證號碼，可能隨時要用到，所以應(yīng)該記住。但是Jenny總是記不住，每次用的時候都要在兜子里翻半天才能找到，在…翻東西，這里用的是fish around這個詞組。例如：He was fishing around his pocket for the keys. 他在兜里翻來翻去找鑰匙。 7. Peter勸Jenny一定要把社會保險號碼牢牢記住，learn something by heart, 把…記在心里，牢牢記住。You39。ll need it pretty soon. 你馬上就要用到它。這里的pretty，不是一個形容詞，而是一個副詞，是“非常”的意思，跟so 差不多。Dialogue Script 2 對話原文 2 Teller: Can I help you? Sam: Yes. I39。d like to open an account, please. Teller: What sort of account did you have in mind? Sam: I need a checking account to pay my bills. Can you tell me how it works? Teller: Sure. You get a paycheck or a scholarship check made out to you, with the amount due to you, say $ 2,500. You sign your name on the back of the check, mark it for deposit onlyso no one can cash the check if you lose itand deposit in your account. You can do that either by mail, or here in the bank with a deposit slip during bank hours, or at any ATM machine twentyfour hours a day. Sam: That sounds easy. Then what? Teller: Then you send a check to your landlord for the rent, to the gas and electricity and phone and cable TV panieswhatever. Companies generally include return envelopes with their bills, so you put in your check, stamp the envelope, and drop it in the mail. Sam: I39。m with you so far.Teller: Be sure to keep a record of your checks you write in this check register, then add up your checks and deduct the amount from our account balance. Make sure you have more money in your account than needed for the checks your write, in case there are any fees. Sam: What happens if I make a mistake. Teller: It39。s very expensive to bounce a check. You39。ll be charged by the bank and again by the person or pany to whom you gave the bad check. Sam: I see. Teller: If you have access to a puter, you can pay most of your bills online instead of by mail with software we provide to you for free. Sam: Is it very plicated? Teller: Not at all. I39。ll show you later how it works. First fill out these forms, print your name and social security number here, and here, and sign your name here, and here, and we39。ll be all set. 講解： 1. 對話中Sam想要開一個銀行賬戶，在詢問營業(yè)員該如何辦理。營業(yè)員問，你想開一個什么類型的賬戶，What sort of account did you have in mind?，就像我們在第一部分里說的，銀行的賬戶又很多種類型，開之前一定要想清楚。 2. Sam說想開一個活期賬戶來支付賬單，就是checking account，也可以說current account 。這個過程比較復(fù)雜，我們來一句一句的解釋。營業(yè)員告訴Sam比如說你有一張工資支票或者獎學(xué)金支票，就是You get a paycheck or a scholarship check made out to you, 支票上注明了你應(yīng)得的現(xiàn)金數(shù)額，比如說是2500美元吧，with the amount due to you, say $ 2,500. 3. 然后在支票的背面簽上你的名字并注明“只要儲蓄”的字樣，支票就存入你的賬戶了。You sign your name on the back of the check, mark it for deposit only and deposit in your account. 這樣做是因為即使把支票弄丟了，也沒人能把它兌現(xiàn)。so no one can cash the check if you lose it。你可以通過郵寄的形式辦理存款手續(xù)，也可以在銀行營業(yè)時間親自來辦理。或者一天24小時中的任何時間都可以在自動提款機上辦理手續(xù)，看來真的是很簡單啊。 4. Sam也這樣認(rèn)為，開戶之后Sam就可以開支票給房東支付房租，付水電煤氣費等等。Sam都聽明白了，他說I39。m with you so far. 這在口語當(dāng)中挺常用的，比如在上課的時候，老師會問，Are you still with me? 你們聽明白我講的了嗎？營業(yè)員建議Sam一定要在支票記錄簿上記下所有的賬目，讓后把賬目加一加，在從結(jié)余額中間去減去那些支出。account balance. 就是賬戶結(jié)余，余額。 5. 如果簽錯了的話，支票被拒付而退還給開票人是要額外的費用的。所以一定要看仔細(xì)了。bounce a check，就是拒付支票。一般情況下，如果儲戶是第一次在該銀行辦理開戶手續(xù)，營業(yè)員都會做很詳細(xì)的解說，所以大家不要心慌，只要認(rèn)真按他說的步驟來進(jìn)行就可以了。Part 3 Useful Sentences At Bank 有用句型 下面我們來總結(jié)一下在辦理銀行各種業(yè)務(wù)時有用的句型。 開戶 What kind of account did you have in your mind? 你想開哪種帳戶? Do you like to open a current account? 你想開一個活期存款帳戶嗎? A deposit or current account? 定期還是活期? Please tell me how you would like to deposit your money. 請告訴我你想存何種戶頭? There39。s a service charge for the checking account but no charge for the savings. 支票戶頭要收服務(wù)費，現(xiàn)金戶頭不收。 Our minimum deposit for a savings account is 100 dollars. 我們儲蓄存款的最低存款額是
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