银行英语口语

表示颜色的单词在经济生活中的意义

颜色是在自然界中最灿烂的表象，颜色词是一条贯穿语言王国的彩虹。而语言中的颜色词除了表示大自然的绚丽色彩外，同时也体现着不同文化内涵，使人产生不同的联想。在经济生活中，英语中表示颜色的形容词使用非常广泛。经济词汇中与颜色有关的词组和习惯用语很多，它们用来指代以某种颜色为标记事物、职业及其社会活动，给留下深刻鲜明的印象。下面简要介绍几种颜色在英语中的联想意义及由它们组成的经济词汇的由来。

1.red （红色）

无论是在英语国家还是在中国，红色往往与庆祝活动或喜庆日子有关。因此，red letter day指的是“纪念日”或“喜庆的日子”，因为日历中，这些日子常用红色字体印出。红色常指“负债”或“亏损”，因为当账上和损益表上的净收入是负数时，人们则用红笔登记。于是便有red figure(赤字) ，red ink （赤字），in the red （亏损），red-ink entry（赤字分录），red balance（赤字差额）等说法。除此之外，还有如red cent（一分钱），red gold（纯金），red tip on stock market（指股票市场的最新情报）等表示法。

2.black （黑色）

在英语中black 常与“不好的”、“坏的”、“邪恶的”相联系，如black money （黑钱）指来源不正当而且没有向政府报税的钱，black market （黑市交易或黑市）意为暗中进行政府禁止买卖的商品或外汇的交易，或指进行违法的投机市场，并由此派生出black market price（黑市筹资）等词汇。另外英语中黑色还可表示盈利，它和红色一样是记帐时墨水的颜色。如 black figure， in the black都表示“盈利”、“赚钱”、“顺差”等。又如black figure nation指国际收支顺差国，interest in the black意为“应收利息”。

3.blue （蓝色）

在英语中通常表示不快乐、忧郁的情绪，如in a blue mood（情绪低沉），还常用来表示社会地位高、有权势或出身贵族或王族。如he is a real blue blood.（他是真正的贵族。）blue-eyed boys指“受到管理当局宠爱和特别照顾的职工”。经济词汇中blue 表示许多不同意思。如blue book （蓝皮书），blue-sky market（露天市场），blue-collar workers（从事体力劳动的工人），blue chip（热门证券），blue button喻指有权进入股票交易的经纪人，blue return 指“蓝色所得税申报表”，专供诚实的纳税人申报用，blue-chip rate 指英国的优惠的信贷利率，blue laws（蓝法）指禁止在星期日从事商业交易的美国法律，blue-sky law（蓝法）指美国各州为管理股票所制定的股票发行控制法blue sky bargaining（漫天讨价）指谈判或其它交易中提出根本不切实际的或不合理的要求，使协议无法达成。

4.green （绿色）

英语中的green 常用来表示“新鲜”或表示“嫉妒”，如green-eyed“嫉妒”、“眼红”，green 还表示没有经验缺乏训练，如You are expecting too much of him. He is still green, you know.（你对他要求过高，他还没经验嘛。）green back 常指“美钞”，因为美元背面为绿色。green power 指“金钱的力量”或“财团”，green meat“鲜肉”，green stamp指美国救济补助票，因印成绿色而得名，green sheet指政府预算明细比较表，green pound（绿色英镑），指共同体内部计算农产品价格而规定的高汇率英镑。

5.white （白色）

在英语中white 常使人联想起清白，如white war 指没有硝烟的战争，常指“经济竞争”。有些事物因其颜色为白而得名，如white goods 指的是体积大、单价高的家用电器用具，这类物体常刷成白色，故名。white money （银币），white coal（水力），white elephant（昂贵却派不上用场的物体或物主不需要但又无法处置之物），white sale（大减价），the white way（白光大街）指城里灯光灿烂的商业区。

6. 经济生活中还有一些由其它颜色构成的词汇。如 grey market （半黑市），grey area （灰色地区）指失业严重地区，pink slip（解雇职工通知单），yellow pages指分类电话簿，并非指黄书.

银行英语口语－储蓄存款利息

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

银行英语口语－存款

How much do you want to deposit with us? 你想在我们这存多少？

How much do you wish to pay into your account? 你希望在你的户头上存多少？

How much money do you plan to keep in your account on a regular basis?你计划在你的户头上定期存放多

少钱？

How much cash do you plan to deposit in your account?你有多少钱要存入呢？

I think you may deposit your money with the bank, or leave it here for temporary safe-keeping.我认为你可把钱存入银行，或留在银行暂保管起来。

Would you please fill in the depositing form, giving the sum of money you're to deposit as well as your name, address and professional unit?

请填张存款单，写明要存的数额以及你的姓名，地址和工作的单位，好吗？

I want to deposit 300 yuan in my account.我想在我的户头上存300元。

I want to deposit these cheques in my account.我想把这些支票存在我的户头上。

I'd like to pay 200 yuan into my deposit account.我想在在我的定期存款户头上存200元。

I want to deposit my paycheck.我想存入我的工资支票。

I'd like to know whether I can cash a cheque here.我想知道我能否在这兑换支票。

Will you please cash this traveler's cheque?请兑现这张旅行支票好吗？

I'd like to cash this money order.我想兑现这张汇款单。

I want to cash the balance of a traveler's letter of credit.我要把旅行信用证的结余兑现。 Will you please tell me whether you charge for cheques?请告诉我兑换支票收手续费吗？

Could you tell me how much the checks cost?请告诉我这些支票要花多少钱？

What if I overdraw?如果透支了怎么办？

Please sign your name on the bottom line if you want to cash the check.如果想兑支票，请在底线上签名。

Please write your account number on the back of the check.请在支票背面写上你的帐号。

We honored the check as the overdraft was only 5 yuan.我们承兑这张支票的透支额只有5元。 Please endorse the cheque.请背签这张支票。

The traveler's checks cost 1.5% of the total amount of purchase.旅行支票手续费是购买总额的1.5%。 Here's the cheque book. When you send a cheque by post be careful to cross it, but if you wish to cash a cheque yourself, you must leave it "open".这是一本支票簿，你邮寄支票时，注意要在支票上打叉线。但是如果你本人想开张兑现支票，就不可打叉线。

Each cheque you write will cost 2 dollars.你每开一张支票将花2美圆。

Useful Words and Phrases

account number 帐目编号

depositor 存户

pay-in slip 存款单

a deposit form 存款单

a banding machine 自动存取机

to deposit 存款

deposit receipt 存款收据

private deposits 私人存款

certificate of deposit 存单

deposit book, passbook 存折

credit card 信用卡

principal 本金

overdraft, overdraw 透支 t

o counter sign 双签

to endorse 背书

endorser 背书人

to cash 兑现

to honor a cheque 兑付

to dishonor a cheque 拒付

to suspend payment 止付

cheque,check 支票

cheque book 支票本

order cheque 记名支票

bearer cheque 不记名支票

crossed cheque 横线支票

blank cheque 空白支票

rubber cheque 空头支票

cheque stub, counterfoil 票根

cash cheque 现金支票

traveler's cheque 旅行支票

cheque for transfer 转帐支票

outstanding cheque 未付支票

canceled cheque 已付支票

forged cheque 伪支票

Bandar's note 庄票，银票

银行英语口语－兑换货币

Please tell me how much you want to change.请告诉我你要换多少。

How much of the remittance do you want to convert into Japanese yen?你要把多少汇款换成日圆？ What kind of currency do you want?要哪种货币？

What's it you wish to change?你有什么要换的？

What kind of currency do you want to change?要换哪种货币？

In what denominations?要什么面值的？

Please tell me what note you want.请告诉我要什么钞票。

Will seven tens be all right?7张10元的可以吗？

Is it in traveler's cheques?换旅行支票吗？

I'd like to know how I shall give it to you.我想知道如何付钱给你。

How would you like it?你要什么面额的？

Would you kindly sign the exchange form, giving your name and address?请在兑换单上签字，写出你的姓名和地址，好吗？

Can you change me some money, please?能否请你给我兑换一些钱？

Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders.这些就是：一些法国法郎，瑞士法郎，美圆和一些荷兰盾。

Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.请你给我7张5镑纸币，4张1镑纸币，4张10先令纸币，剩下的要零票。 Would you mind giving me the six pence in coppers?劳驾给我6便士的铜币。

I'd like to know if you could change this money back into U.S. dollars for me.我想知道能否把这笔兑回成美圆。

Could you change these French francs for me?能给我兑换这些法国法郎吗？

Can you give me 100 dollars in Swiss francs?能否给我100美圆的瑞士法郎？

I'd like to convert the full amount of the remittance into U.S. dollars.我想把全部汇款换成美圆。 I'd like some coins for this note.我想把这张纸币换成硬币。

I'd like to break this 50 dollar note.我想把这张50美圆纸币换开。

Five twenties and ten singles, please.请给我5张20元和10张一元的。

I need 300 dollars in 100-dollar cheques.我要300美圆票面为100美圆的支票。

I hope you'll give me ten traveler's cheques of 100 dollars each.希望给我10张面额为100美圆的旅行支票。

In fives, please.请给我5元票面的。

Could you give me some small notes?给我一些小票好吗？

Useful Words and Phrases

currency, money 货币

money changing 兑换货币

an exchange form 兑换单

bank note 钞票

note of large denomination 大票

note of small denomination 小票

small change 零钱

subsidiary money 辅币

nickel piece 镍币

plastic currency notes 塑料钞票

convertible money 可兑换（黄金）纸币

银行英语口语－外汇率

Tell me the current rate for RMB, please.请告诉我人民币的现价。

What's your selling rate for RMB yuan in notes today?你们今天人民币现钞的售价是多少？

What's the dollar going for today?美圆今天的售价是多少？

Our buying rate for notes is 523 yuan for 100 dollars.我们100美圆的现钞买入价是523元。 It's 200 French francs at today's selling rate.今天的卖出价是200法国法郎。

The buying rate of U.S. dollar notes is 460 yuan per hundred dollars.美圆现钞买入价是100美圆付460元。

And how much will it be in Japanese currency?换成日本币是多少？

How much would I get for 300 Japanese yen?300日圆可兑换多少钱？

I'd like to know the exchange rate for German marks.我想知道德国马克的兑换率。

What rate are you giving?你们提供的兑换率是多少？

What's the exchange rate today?今天的兑换率是多少？

Please tell me what you would give me for my U.S. dollars.请告诉我这些美圆可以兑换多少钱。 Please tell me the current rate for sterling.请告诉我英国货币的现行兑换率。

If you'll wait a moment, I'll find out the rates of exchange.请等一会儿，我查一下兑换率。

Please wait a moment. I'll find out the exchange rate between U.S. dollars and RMB.请等一会儿，我查一下美圆对人民币的兑换率。

It's 470 yuan for 100 dollars.100美圆可兑470元。

The exchange rate today is 200 yen to the pound.今天的兑换率是一英镑可兑200日圆。

The rate for traveler's cheques is 300 yuan against 100 dollars.旅行支票的兑换率是100美圆兑300元。

These dollars are worth 1,000 yuan.这些美圆可换1000元。

Useful Phrases

buying rate 买进价格

selling rate 卖出价格

exchange table, conversion table 汇兑换算表

foreign exchange 外汇

exchange rate 外汇率

conversion rate 折合率

foreign exchange restriction 外汇限额

foreign exchange quotations 外汇行情

to check the rate for sb. 查牌价

银行英语口语－取款、结余

I'd like to know if I can draw on my account for payment of things I buy in Tianjin.我想知道一下我是否能提取存款来支付天津购物的费用。

I want to withdraw 200 dollars from my deposit account.我要从我的定期存款中支取200美圆。 I want to close my account with you.我想结束在你们这儿的帐户。

I'd like to draw 100 yuan against this letter of credit.我想从这份信用证上提款100元。

May I draw money against the letter of credit here?我可以在这儿用这份信用证取钱吗？

Could you tell me my balance?能否把存款结余金额告诉我？

Please let me know my balance.请告诉我结余金额。

I think you can draw on this account by cheque in payment of goods.我以为你可用支票提款支付购物费用。

Your balance at the bank is 300 yuan.你在本行的结余是300元。

Your deposit is exhausted.你的存款支净了。

Your letter of credit is used up.你的信用证用完了。

Please tell me how you wish to draw your money.请告诉我你希望怎样支款。

Fill our a withdrawal form, please.请填写取款单。

The letter of credit is exhausted.信用证上的款子已提清。

The letter at Counter 6 will pay you against your number slip.六号柜台的出纳员将根据你的号码牌付给

你钱。

Useful Words and Phrases

to close an account, to clear an account 结清

to draw money 取款

drawing-out slip 取款单

the number slip 号码牌

a withdrawal form 取款单

to fill in the receipt in duplicate 一式两份填这张收据

teller, cashier 出纳员

银行英语口语－新开帐户

What kind of account did you have in your mind?你想开哪种帐户?

Do you like to open a current account?你想开一个活期存款帐户吗?

A deposit or current account?定期还是活期?

Please tell me how you would like to deposit your money.请告诉我你想存何种户头?

There's a service charge for the checking account but no charge for the savings.支票户头要收服务费，现金户头不收。

Our minimum deposit for a savings account is 100 dollars.我们储蓄存款的最低存款额是100美圆。 Five yuan is the minimum original deposit.最低起存款额是5元。

You can open a savings account at any time with an initial deposit of 50 dollars.你可随时以50美圆的起存额开立储蓄帐户。

Even one yuan is all right.甚至一元也可以起存。

Here is your pasbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it.这是你的存折，存取款时请带来。保管好存折，遗失请告诉我们。

I should like to open a current account.我想开一个活期存款帐户。

I need a checking account so that I can pay my bill.我需开个支票帐户，这样就能付帐。

We'd like to know how we open a checking-savings account.我们想知道如何开一个支票储蓄帐户。 I have a checking account here.我在这里有一个支票存款帐户。

I think I'd like a deposit account.我想要开个定期存款帐户。

Can I open a current account here?我能否在这儿开个活期存款帐户？

I want to open a deposit account with you.我要开个储蓄帐户。

I'd like to open a deposit account with you.我想在你们这儿开个定期存款帐户。

Could you tell me the difference between a savings account and a checking account?请告诉我储蓄存款与支票存款的区别好吗？

Please tell me the procedure for opening a savings account.请告诉我开个储蓄帐户需要什么手续。 Will 100 yuan be enough for a minimum deposit?100元作最低存款额够吗？

I'd like to know whether a 200 yuan deposit will be enough for opening a checking account.我想知道开一个支票帐户200元存款是否够。

Could you tell me how to operate this account?请告诉我如何经管这个帐户好吗？

Is there any minimum for the first deposit?第一次储蓄有最低限额吗？

How much does each account cost?每个帐户要花多少钱？

Useful Phrases

current deposit, current account 活期存款

fixed deposit, fixed account 定期存款

fixed deposit by installments 零存整取

joint account 联名存款帐户

to open an account 开户头