【正文】 want to open a chequingsavings account?顧客：如果我要開(kāi)一個(gè)支票儲(chǔ)蓄帳戶(hù)，我必須存一大筆錢(qián)嗎？Clerk: Not necessarily, sir. 職員：不一定的，先生。Customer: Regarding the interest rate, what is the difference between a savings account and checking account?顧客：在利率方面，儲(chǔ)蓄存款和支票存款有什么不同？Clerk: Not big difference, sir.職員：沒(méi)有太大的區(qū)別，先生。Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit?顧客：我知道了。我想開(kāi)一個(gè)支票存款帳戶(hù)。300美圓作最低存款額夠了嗎？Clerk: Definitely.職員：足夠了。Making Requests To A Customer(向客戶(hù)提請(qǐng)求) Clerk: Would you please fill out this form? It is necessary for you to draw money.職員：取款需要填單，請(qǐng)您填寫(xiě)這張單，好嗎？Customer: By all means.顧客：當(dāng)然可以。Clerk: Oh, I am sorry to trouble you, but could you write the sum in the word, not in the figures?職員：喔，對(duì)不起，打擾您了，您可以用文字填寫(xiě)而不是用數(shù)字寫(xiě)出金額嗎？Customer： Yes, I would love to.顧客：好的。Clerk: You have got a wrong word here. Would you mind correct it?職員：您寫(xiě)錯(cuò)了一個(gè)字。請(qǐng)您改正一下，好嗎？Customer： Sorry. I will.顧客：真對(duì)不起，我改。Clerk: Thank you. Here is your money.職員：謝謝。這是您的錢(qián)。Dialogue Tow 對(duì)話（2）Clerk: Would you please do me a favor?職員：請(qǐng)您幫個(gè)忙好嗎？Customer： Yes. What is it?顧客：好的。什么事呢？Clerk: Pass me the pen on the counter, please.職員：請(qǐng)幫忙把柜臺(tái)上的鋼筆給我。Customer： Here you are. May I change some foreign currency here?顧客：給你。我能換些外幣嗎？Clerk: Yes, please. What kind of currency do you want to change?職員：可以。請(qǐng)問(wèn)您想換什么外幣呢？Customer： Swiss Francs.顧客：瑞士法郎。Clerk: I am not quite sure how to put this, but do you think you could possibly change the date?職員：我真不知道怎么說(shuō)才好， 不過(guò)您能改天過(guò)來(lái)嗎？Customer： You mean I can not change Swiss Francs today, and e again another day, don,t you?顧客：你是說(shuō)我今天不能兌換瑞士法郎，得改天再來(lái)是嗎？Clerk: Exactly ,sir. May I have your telephone number? I will call you when Swiss Francs are ready for you.職員：對(duì)極了，先生。請(qǐng)留下您的電話號(hào)碼，好嗎？如果我們把瑞士法郎準(zhǔn)備好了，再打個(gè)電話給您。Customer： Thank you. This is my name card.顧客：謝謝。這是我的名片。Making Suggestion To A Customer(向客戶(hù)提建議)Dialogue oneCustomer: Hello, I would like to open an account, but I do not know what account it should be.顧客：你好。我想開(kāi)立一個(gè)帳戶(hù)，但我不知道要開(kāi)哪種帳戶(hù)。Clerk: Do you often deposit money and draw money ?職員：您經(jīng)常存錢(qián)和取錢(qián)嗎？Customer: No, I do not. I just want to deposit my salary and use this account to pay the things I buy at department stores once a month.顧客：不，我不經(jīng)常存錢(qián)和取錢(qián)。我只想把工資存入并且用這個(gè)帳戶(hù)來(lái)支付每月一次在百貨商店所買(mǎi)的東西的帳款。Clerk: So, it will be a good idea for you to open a checking account. Do you think so?職員：那么您還是開(kāi)立一個(gè)支票帳戶(hù)的好。您認(rèn)為怎么樣？Customer: All right ,if that account will make.顧客：行，如果這個(gè)帳戶(hù)合適的話。Dialogue Two Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me?顧客：你好，先生。我是日本人。我的英語(yǔ)不太好，你能幫忙嗎？Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do.職員：很高興為您效勞，但我想您最好告訴我您想要干什么。Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo.顧客：啊，我想兌換些錢(qián)，但不知道怎樣填寫(xiě)兌換水單。我不會(huì)看英文。Clerk: Would you care to give me your passport and write your name on the paper?職員：您能把您的護(hù)照給我，并把您的名字寫(xiě)在這張紙上嗎？Customer: There you are. My name is Tanaka.顧客：給你護(hù)照和姓名，我叫田中。Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment?職員：好，我現(xiàn)在就為您填寫(xiě)這張兌換水單。您請(qǐng)?jiān)谀抢镒粫?huì)行嗎？Customer: I would like to. Thanks.顧客：好的，謝謝。Clerk: Hello, Mr. Tanaka. I was wondering if you would ever thought of conversing the unused Renminbi back into Japan yen later?職員：您好，田中先生，不知道您是否考慮到以后要把沒(méi)有用完的人民幣兌換成日元呢？Customer: Yes, if I will have Renminbi left.顧客：是的，如果有沒(méi)用完的人民幣的話，就要換成日?qǐng)A。Clerk: So, If I may make a suggestion , please keep your exchange memo safe,職員：那么，如果我還可以提一個(gè)建議的話，請(qǐng)您保管好您的這張兌換水單。Customer: Thank you indeed. I will do that.顧客：我會(huì)保管好的。謝謝。Clerk: Not at all.職員：不用謝。L/C(信用證) (對(duì)話） C= 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 don39。t know how to work? 對(duì)， 我想開(kāi)個(gè)信用正， 但我不明白如何運(yùn)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(lái)告訴你。 信用正是應(yīng)客戶(hù)（通常是進(jìn)口商）的要求而開(kāi)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(zhǔn)備單據(jù)。一旦信用證和單據(jù)提交給開(kāi)證行，開(kāi)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(jìn)行支付，這就是信用證最重要的特征。 C: I see, would you tell me what39。s 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(jià)和種類(lèi)， 裝貨港和目的地，價(jià)格和付款條件，裝船單據(jù)，最后裝運(yùn)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(hù)開(kāi)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(xí)慣上，開(kāi)證行總是向出口商所在地的代理行發(fā)出郵件或電報(bào)，在檢驗(yàn)信用證的真實(shí)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(hù)怎樣才能收到錢(qián)？ 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 importer39。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(dāng)開(kāi)證行將裝船單據(jù)交給進(jìn)口商時(shí)，開(kāi)證行就借記進(jìn)口方的帳戶(hù)，整個(gè)交易就完成了。 C: I see, Thank you very much 我明白了，謝謝你！ T: you39。re wele! 別客氣！