银行日常用英语汇总(附例句和翻译)

汇票

我们于本日向贵公司开出第123号面额500000元。汇票一张见票即付。

We have this day drawn the following bill of exchange on your esteemed firm- No.123, $500,000, payable at sight.

遵照贵方指示，我们已于本日向田中公司开出见票后60日付款的面额200000元汇票一张，费用包括在内。

We have to acquaint you that, in accordance with your instructions, we have this day drawn upon Messrs, tanaka & Co., at 60d/s for $200,000, inclusive of charges.

我们已于本月开出由贵方所指定的人于三个月后付款的面额为100000元汇票一张，恳请惠予承兑为荷，特此通知。

We advise you that we have drawn on you this day for $100,000, at 3m/d, to the order fo yourself, which we commend to your kind protection.

我们于本月向贵方开出三个月后付款的面额为500000元的汇票一张。对此，我们依惯例，记入贵贷方帐内，特此通知。

we have the pleasure to inform you that we have drawn this day on you for $500,000, at 3m/s. for which we have credited you as usual.

请求开出汇票

因葡萄酒尚未售出, 近期也难有攻观, 我方目前不能遵照齐滕先生的指示将余额向贵方开出汇票或汇给贵方。

As the wines are not yet disposed of, nor likely to be for some time, we cannot obey Mr. Saito’s orders as to drawing on you or remitting you the balance at present.

如有机会, 请向本人开出煤炭价款加上保险费的汇票。对于这批出口货物, 为弥补发生损害的损失, 请办理保险并在货值上再加保5%金额

Should you have an opportunity, you may draw on me for the cost of coal, together with that of insurance, which you will be so good as to effect on the outward cargo to its full value, with an addition of five per cent, to cover expenses in case of loss.

为收回款项, 请依照最有利的汇率, 向我方开出见票后60日付款的汇票, 并请同时提供发票、提单及保险单为荷。

For your reimbursement, you will draw on me at sixty days’ sight, and at the most favourable exchange, furnishing me at the same time, with an invoice, bill of lading and insurance policy.

对贵方的发票金额, 请向汉堡 A 公司开出见票后三个月付款的汇票, 附寄该公司提单一份, 并请该公司办理保险。

For the amount of your invoice, you will be so good as to draw on Messrs. A & Co. of Hamburg, at three months’ date, and forward them a bill of ladi ng, requesting them to effect insurance.

催告付款

为加清本帐目, 我方多次催促, 但未有任何效果。所以为收回本帐款项, 准备向法院起诉, 特此通知。

Having made repeated applications for apyment of this amount without avail, we now give you notice that we shall take out a summons for recovery of the same

下星期一以前未能清结本件款项, 不得已, 将委任我公司顾问律师处理。

We wish to state that if the account be not paid by Monday next, we shall be forced to place the matter in the hands o four solicitors.

贵方虽多次答应付款结帐, 但迄今尚未结清。如在本月底以前, 尚未拔款结清, 只好委托我公司顾问律师处理。

In spite of your repeated promises to let us have a cheque, we are still without a settlement of your outstanding account, and therefore, unless same is settled by the end of this month, we shall be compelled to hand over the matter to our solicitor.

对于此事, 贵方似乎在趁机利用我公司的宽容态度。本函系最后通告所, 复函时请汇足够金额, 以结此帐, 否则只好采取其它途径, 特此函告。

As you seem to take advantage of you leniency in this matter, we now give you the final notice that, unless we shall receive a substantial amount on account by return of post, we shall adopt other measures for its recovery.

请求付款

恳请速予汇款为荷。

an early remittance will be appreciated.

迟付的60美元, 请速予寄下为荷。

Please let us have your check for the $60 now past overdue.

有鉴于此, 相信贵方将随复函寄来支票, 特此致谢。

With these facts before you , we feel sure that you will send us your check by return mail. Thank you.

我们恳求, 对此部分能速予结帐为荷。

We urge that you make this settlement without delay.

何不立即对此案作一结算? 请在今日将支票随函发出即可。

Why not settle this matter now? Just attach your check to this letter, and send it by today’s mail.

付款方法

mode of payment

现金付款 payment by cash||cash payment||payment by ready cash 以支票支付 payment by cheque 以汇票支付 payment by bill 以物品支付 payment in kind 付清||支付全部货款 payment in full||full payment 支付部分货款||分批付款 payment in part||part payment||partial payment 记帐付款||会计帐目内付款 payment on account 定期付款 payment on term 年分期付款

annual payment

月分期付款 monthly payment||monthly instalment 延滞付款 payment in arrear 预付货||先付 payment in advance||prepayment 延付货款 deferred payment 立即付款 prompt payment||immediate payment 暂付款 suspense payment 延期付款 delay in payment||extension of payment 支付票据 payment bill 名誉支付||干与付款 payment for honour||payment by intervention 结帐||清算||支付 settlement 分期付款 instalment 滞付||拖欠||尾数款未付 arrears

特许拖延付款日

days of grace

保证付款 del credere 付款 to pay||to make payment||to make effect payment 结帐 to settle||to make settlement||to make effect settlement||to square||to balance 支出||付款 to defray||to disburse 结清 to clear off||to pya off 请求付款 to ask for payment||to request payment 恳求付帐 to solicit payment 拖延付款 to defer payment||to delay payment 付款被拖延

to be in arrears with payment

还债 to discharge 迅速付款 to pay promptly 付款相当迅速 to pay moderately well||to pay fairly well||to keep the engagements regularly 付款相当慢 to pay slowly||to take extended credit 付款不好 to pay badly||to be generally in arrear with payments 付款颇为恶劣 to pay very badly||to never pay unless forced

拒绝付款

to refuse payment||to refuse to pay||to dishonour a bill

相信能收到款项

We shall look to you for the payment||We shall depend upon you for the payment ||We expect payment from you

惠请付款

kindly pay the amount||please forward payment||please forward a cheque.

我将不得不采取必要步骤运用法律手段收回该项货款

I shall be obliged to take the necessary steps to legally recover the amount. ||I shall be compelled to take steps to enforce payment.

惠请宽限

let the matter stand over till then.||allow me a short extension of time. ||Kindly postpone the time for payment a little longer.

索取利息

to charge interest

附上利息

to draw interest||to bear interest||to allow interest

生息

to yield interest

生息3% to yield 3% 存款 to deposit in a bank||to put in a bank||to place on deposit||to make deposit 在银行存款 to have money in a bank||to have a bank account||to have money on deposit 向银行提款 to withdraw one’s deposit from a bank 换取现金 to convert into money||to turn into cash||to realize 折扣用语 从价格打10%的折扣

to make a discount of 10% off the price||to make 10% discount off the price

打折扣购买 to buy at a discount 打折扣出售 to sell at a discount 打折扣-让价 to reduce||to make a reduction 减价 to deduct||to make a deduction 回扣 to rebate 现金折扣 cash discount 货到付款||现金提货 cash on deliver (C.O.D.) 货到付现款 cash on arrival 即时付款 prompt cash 净价||最低价格付现 net cash 现金付款 ready cash 即期付款 spot cash||cash down||cash on the nail

凭单据付现款

cash against documents

凭提单付现款

cash against bills of lading

承兑交单

documents against acceptance (D/A)

付款交单

documents against payment (D/P)

折扣例文

除非另有说明, 30日后全额付现, 如有错误, 请立即通知。

Net cash 30 days unless specified otherwise. Advise promptly if incorrect.

付款条件: 30日后全额付现, 10日后付现打2%折扣, 过期后付款时, 加上利率为6%的利息。

Terms, net cash 30 days, or, less 2% 10 days. Interest charged at the rate of 6% after maturity. 付款条件: 月底后10日后付现2%折扣, 现在付现3%折扣, 否则, 全额付现。 Terms: 2%, 10 days E.O.M., or 3% cash, otherwise strictly net.

Negotiation 押汇

C: Excuse me, do you provide any trade service here?

你们有提供贸易押汇服务吗？

T: Yes, we do. Can I help you, sir?

有的，先生。我能为你效劳吗？

C: Yes, I’d like to know how about the services you provide to customers in w hich credit facilities are not required?

我想知道你们提供给客户无须信贷安排的服务有那些项目？

T: Certainly, sir. The services will include export financing; outward bills collection transferable letters of

credit, letters of credit advising and confirmation, inward bills collection, trade information and insurance.

那当然可以，先生。服务范围包括出口贷款，出口单托收，信用证转让，信用证通知及确认，进口单托收，贸易资料及保险服务。

C: How can I benefit from your export services?

那么在出口押汇文件的处理上，我所享有的服务有怎样？

T: Our staff works until 6:00pm each weekday night so that your export documents can be promptly processed. This will greatly help your cash flow. In addition, we can dispatch documents to your counterparty’s bank for earlier payment. In turn, will save your transit interest.

我们的职员每日能为您服务到下午6点，确保各出口押汇文件可及时办妥，使你的现金周转更加灵活。同时，由于我们能助你将单据尽早递送到你的业务伙伴的银行及收取有关款项，所以能使你缩减利息开支。

C: By the way, can I fax my instruction to your bank?

那么，我可以将押汇指示以传真方式通知贵行吗？

T: Sure, this is what we always encourage our customers to do. Besides, as we have an advance-computerized system to process the documents efficiently and accurately, you can use our electronic facilities for trade transactions

当然可以， 我们一直鼓励客户这样做。此外，由于我们设有先进的电脑系统，能有效率及准确地处理贸易文件，所以，你也可透过我们的电子银行服务进行各项押汇交易。 C: Can your bank provide training or seminars on trade documentation to our company? As we note that it is very difficult to train new staff.

贵行会向我们提供有关贸易单据处理的培训班和讲座吗？因为我们在训练新职员时常遇到这方面的问题。

T: Yes, we do. This service will be subject to your request.

我们会的。这服务将根据你们的需要和要求而定。

C: Okay. I’ll think about it seriously and will probably contact you again later. Thanks a lot! 好的，我将详细考虑这项服务，我会再联络你，谢谢！

T: Not at all!

不用客气！

Customer: Excuse me , but can I draw on my account for payment of things I buy in China ? 顾客：劳驾，请问我能不能提取存款尝付我在中国买东西的费用？

Clerk: Certainly, sir. How much do you draw?

职员：当然可以，先生。您要取多少钱？

Customer: RMB 8,000 please. Would you please tell me my balance?

顾客：请给我人民币8，000元。请把我帐号上的节余金额告诉我好吗？

Clerk: Yes, sir. Your balance is RMB 34,000.

职员：好的，先生。你的帐户余额是人民币34000元。 Customer: I am sorry, but may I ask one more question? 顾客：对不起，我能不能再问一个问题？ Clerk: Of course, please do. What is it? 职员：当然可以了。请问是什么问题？ Customer: What is the interest rate for the saving account? 顾客：储蓄存款的利率是多少？ Clerk: The detailed information is on the board. Please go and see it.

职员：详细的情况在那块利率牌上。请去那里看看吧。

Customer: Many thanks.

顾客：非常感谢。

Dialogue Tow

对话（2）

Customer: Excuse me, but could you help me?

顾客：对不起，能帮我一个忙吗？

Clerk: With pleasure. What can I do for you?

职员：很高兴为您效劳。我能为您做些什么？ Customer: Could you tell me where I can find Mr Zhang? 顾客：请告诉我张先生在哪里，好吗？ Clerk: Sure Miss. Mr Zhang is upstairs.

职员：没问题，小姐。张先生在楼上。

Customer: Thank you very much.

顾客：非常感谢。

Clerk: Not at all, miss.

职员：不客气，小姐。 Dialogue Three 对话（3） Customer: Do you charge for cheques? 顾客：请问，兑换支票你们收手续费吗？ Clerk: Yes we do. Each cheque you write will cost RMB 2.

职员：是的，我们收手续费。您每开一张支票就要花人民币2元。

Customer: Do I have to deposit a large sum of money if I want to open a chequing-savings account?

顾客：如果我要开一个支票储蓄帐户，我必须存一大笔钱吗？

Clerk: Not necessarily, sir.

职员：不一定的，先生。

Customer: Regarding the interest rate, what is the difference between a savings account and checking account?

顾客：在利率方面，储蓄存款和支票存款有什么不同？

Clerk: Not big difference, sir.

职员：没有太大的区别，先生。

Customer: I see. I would like to open a checking account. Will 300 dollars be enough for a minimum deposit?

顾客：我知道了。我想开一个支票存款帐户。300美圆作最低存款额够了吗？

Clerk: Definitely.

职员：足够了。

Customer: Hello, I would like to open an account, but I do not know what account it should be. 顾客：你好。我想开立一个帐户，但我不知道要开哪种帐户。

Clerk: Do you often deposit money and draw money ?

职员：您经常存钱和取钱吗？

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.

顾客：不，我不经常存钱和取钱。我只想把工资存入并且用这个帐户来支付每月一次在百货商店所买的东西的帐款。

Clerk: So, it will be a good idea for you to open a checking account. Do you think so? 职员：那么您还是开立一个支票帐户的好。您认为怎么样？

Customer: All right ,if that account will make.

顾客：行，如果这个帐户合适的话。

Dialogue Two

对话（2） Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me? 顾客：你好，先生。我是日本人。我的英语不太好，你能帮忙吗？ Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do. 职员：很高兴为您效劳，但我想您最好告诉我您想要干什么。

Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo.

顾客：啊，我想兑换些钱，但不知道怎样填写兑换水单。我不会看英文。

Clerk: Would you care to give me your passport and write your name on the paper? 职员：您能把您的护照给我，并把您的名字写在这张纸上吗？

Customer: There you are. My name is Tanaka.

顾客：给你护照和姓名，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?

职员：好，我现在就为您填写这张兑换水单。您请在那里坐一会行吗？

Customer: I would like to. Thanks.

顾客：好的，谢谢。

Clerk: Hello, Mr. Tanaka. I was wondering if you would ever thought of conversing the unused Renminbi back into Japan yen later?

职员：您好，田中先生，不知道您是否考虑到以后要把没有用完的人民币兑换成日元呢？ Customer: Yes, if I will have Renminbi left. 顾客：是的，如果有没用完的人民币的话，就要换成日圆。 Clerk: So, If I may make a suggestion , please keep your exchange memo safe, 职员：那么，如果我还可以提一个建议的话，请您保管好您的这张兑换水单。 Customer: Thank you indeed. I will do that. 顾客：我会保管好的。谢谢。 Clerk: Not at all. 职员：不用谢。

L/C(信用证)

C= Customer顾客 T=Teller职员

T: Can I help you, sir?

能帮你什么忙吗，先生？

C: Yes, I want to open an L/C, but I don’t know how to work?

对， 我想开个信用正， 但我不明白如何运作？

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， 让我来告诉你。 信用正是应客户（通常是进口商）的要求而开立的一种付款承诺文件，信用证将被寄给出口商，使出口商可以把货物装船， 并根据信用正的要求准备单据。一旦信用证和单据提交给开证行，开证行必须立即付款给出口商（受益人）。银行就作为第一支付人进行支付，这就是信用证最重要的特征。

C: I see, would you tell me what’s the main content of an L/C?

我明白了， 你能告诉我信用证的主要内容吗？

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，数量，单价和种类， 装货港和目的地，价格和付款条件，装船单据，最后装运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户开出信用证呢？

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.

习惯上，开证行总是向出口商所在地的代理行发出邮件或电报，在检验信用证的真实性后，代理行（通知行）将向出口方发出信用证。

C: How can my customer receive the proceeds?

我的客户怎样才能收到钱？

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 compliance 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 comes to the end. 信用证是可以议付的，出口商向议付行提交信用证所要的所有单据， 只要所提交的单据和信用证要求的条件是一致的话，银行将议付。当开证行将装船单据交给进口商时，开证行就借记进口方的帐户，整个交易就完成了。

C: I see, Thank you very much

我明白了，谢谢你！

T: you’re welcome!

What’s the interest rate for the savings account?

储蓄存款的利率是多少？ Do you pay interest on this account? 这种存款付给利息吗？ Please tell me what the annual interest rate is. 请告诉我年利率是多少。 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.

这可使你从存款中获得一点利息。

The account carries interest of 4%.

该存款有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%.

储蓄存款的利率是4%。

It varies from time to time. At present it is 6%.

（年息）每个时期都不同，现在是六厘。

Useful Words and Phrases

interest rate 利率

simple interest 单利

compound interest 复利

legal interest 法定利息

prime rate 优待利率

payable interest 应付利息

lending rate 贷款利率

usury 高利贷

the subsidy rate for value-preserved savings 保值储蓄补贴率

支票结算

Hello! May I help you?

您好，您有事需要帮忙吗？

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， 是这样。 我需要些现金，在中国观光时使用。我能在这儿兑现旅行支票吗？ T: Of course. We’d be happy cash it for you.

当然， 我很乐意为您兑现。

C: I was going to cash it at the hotel, but one of my friends said that banks always give better exchange rates.

我原本打算在家旅馆兑现， 但我朋友说银行的兑现率通常有点高。

T: Well, any bank will cash it at our present traveler’s check-buying rate, which we somewhat better than at hotels because of the service charge. You see, hotels aren’t really in the money exchange business although they will cash traveler’s checks for their guests.

任何银行都是按现时买入旅行支票的兑换率来兑现的。这个兑现率我们已经列在这里了。当然，因为手续费的差异，我们的兑换率比旅馆的稍高些。您知道，旅馆虽然为客人兑

换旅行支票， 但他们并不是专门从事兑换业务的。

C: You mean there’s really not much of a difference?

您是说，实际上银行与旅馆的兑换率差距并不大。

T: No, madam, not very much.

是的，夫人，没多大差距。 C: Well, may I cash these three checks for $100 each? I think that will be enough. 那么，我能把每张100美圆的3张支票兑现吗？ 我想该够用了。 T: Yes, I’ll be happy to cash these for you. Would you please countersign them here? 好的，我很乐意为你兑换。请您将支票复签一下。

C: There you are.

T: And will you please sign this foreign exchange request? I’ve already written down your name and address for you, but I will read your passport number.

对您所管理的分支机构负责人应要求他对预算目标出现的任何偏离。都必须做出正式合理的解释，因为这是衡量其工作能力的最佳尺度。

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