【正文】 want to open a chequingsavings account?顧客：如果我要開一個支票儲蓄帳戶，我必須存一大筆錢嗎？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，儲蓄存款和支票存款有什么不同？Clerk: Not big difference, sir.職員：沒有太大的區(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。我想開一個支票存款帳戶。300美圓作最低存款額夠了嗎？Clerk: Definitely.職員：足夠了。Making Requests To A Customer(向客戶提請求) Clerk: Would you please fill out this form? It is necessary for you to draw money.職員：取款需要填單，請您填寫這張單，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，對不起，打擾您了，您可以用文字填寫而不是用數(shù)字寫出金額嗎？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：您寫錯了一個字。請您改正一下，好嗎？Customer： Sorry. I will.顧客：真對不起，我改。Clerk: Thank you. Here is your money.職員：謝謝。這是您的錢。Dialogue Tow 對話（2）Clerk: Would you please do me a favor?職員：請您幫個忙好嗎？Customer： Yes. What is it?顧客：好的。什么事呢？Clerk: Pass me the pen on the counter, please.職員：請幫忙把柜臺上的鋼筆給我。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。請問您想換什么外幣呢？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：我真不知道怎么說才好， 不過您能改天過來嗎？Customer： You mean I can not change Swiss Francs today, and e again another day, don,t you?顧客：你是說我今天不能兌換瑞士法郎，得改天再來是嗎？Clerk: Exactly ,sir. May I have your telephone number? I will call you when Swiss Francs are ready for you.職員：對極了，先生。請留下您的電話號碼，好嗎？如果我們把瑞士法郎準(zhǔn)備好了，再打個電話給您。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。我想開立一個帳戶，但我不知道要開哪種帳戶。Clerk: Do you often deposit money and draw money ?職員：您經(jīng)常存錢和取錢嗎？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)常存錢和取錢。我只想把工資存入并且用這個帳戶來支付每月一次在百貨商店所買的東西的帳款。Clerk: So, it will be a good idea for you to open a checking account. Do you think so?職員：那么您還是開立一個支票帳戶的好。您認(rèn)為怎么樣？Customer: All right ,if that account will make.顧客：行，如果這個帳戶合適的話。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，但不知道怎樣填寫兌換水單。我不會看英文。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)在就為您填寫這張兌換水單。您請在那里坐一會行嗎？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，如果有沒用完的人民幣的話，就要換成日圓。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建議的話，請您保管好您的這張兌換水單。Customer: Thank you indeed. I will do that.顧客：我會保管好的。謝謝。Clerk: Not at all.職員：不用謝。L/C(信用證) (對話） 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， 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(yīng)客戶（通常是進(jìn)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(zhǔn)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(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(xí)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 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)開證行將裝船單據(jù)交給進(jìn)口商時，開證行就借記進(jìn)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: you39。re wele! 別客氣！