金融银行术语口语

1.account银行账户
account: In this sense, a record of financial transactions *; money on deposit in a bank.
For example: I guess your work has to do with checking accounts.
　　　　　　 We ve had an account with them for years.
　　　　　　 You don t make much on that kind of account.

2. board of directors董事会
board of directors: a group of people who control the activities of a bank or company.
For example: Are the members of the board of directors stockholders?
　　　　　　 When will the board of directors stockholders?
　　　　　　 He s member of the board of directors.

3. capital资本，资金
Capital: In this sense, the money used to start a bank or company.
For example: They put up the necessary capital.
　　　　　　 What is the amount of the capital?
　　　　　　 They had some trouble raising the capital.

4. cashier现金主管
Cashier: an officer of a bank in charge of the money, which goes in and out of a bank or company.
For Example: They hire the president and vice-president, along with the cashier.
　　　　　　You d better see the cashier about that.
　　　　　　The cashier is on vacation just now.

5. charter银行执照
Charter: in this sense, permission granted by the government to do business.
For example: They were granted a charter by the government.
　　　　　 　When was the charter granted?
　　　　　　 I don t think they ll be able to get a charter.

6. checking支票帐户，活期存款
Checking account: an account in bank from which money can be drawn by check.
For example: I guess your work has to do with checking accounts.
　　　　　　 How much money is left in my checking account?
　　　　　　 I d like to close my checking account.

7. Clerical 银行行员的
Clerical: having to do with the keeping of records and with correspondence.
For example: The board hires them, along with the clerical workers.
　　　　　　 We re behind on our clerical work.
　　　　　　 Do you have any clerical jobs open now?

8. dividend红利 <B

R>Dividend: a sum of money paid to a stockholder or shares of stock issued to him out or profits in relation to his investment．
For example: The stockholders receive regular dividends.
　　　　　　 The last dividend was quite large.
　　　　　　 How much did you receive in dividends?

9. invest投资
Invest: put money into a business in order to make a profit .
For Example: I d like to invest in some mutual bonds.
　　　　　　 How much money does she have to invest?

10. investment投资，投资金额
Investment: money put into a business in order to make profit; the act of doing this.
For Example: Planning the bank s investments is very important.
　　　　 　　I want to talk to you about my investments.
　　　　 　　Would you make an investment of that kind?
11. loan贷款     
Loan: In this sense, money which one person allows another to use for a specified time and which will be returned with an additional payment for its use; the act of giving out such money.
For example: I guess your work has to do with making loans.
　　　　　　 He s afraid he s made a bad loan.
　　　　　　 What is the amount of the loan?

12. president 行长，董事长
President: the officer who has the major responsibility for the management of a business．
For example: The board hires the president and vice-presidents.
　　　　　　 This decision will have to be made by the president.
　　　　　　 Doesn t that company have a new president?

13. profit利润
Profit: earnings remaining after all the expenses of a business activity have been paid．
For example: Do you divide all the profits among the stockholders?
　　　　　　 We expect to make a nice profit this year.
　　　　　　 The profits have been slowly rising.

14. reserves储备，储备金
Reserves: in this sense, earnings kept back for later use.
For example: Some of our earnings are held in reserve accounts.
　　　　　　 Their reserves are getting pretty low.
　　　　　　 They were lucky to have such large reserves.

15. savings account储蓄帐户，定期存款
Savings account: an account in a bank on which the depositor receives interest.
For example: I guess you has to do work savings accounts.
　　　　　　 They have a savings account with us.
　　　　　　 He decided to put the money in a savings account.

16. statement财务报表
Statement: In this sense, an announcement of a bank s financial condition
For example: Here s copy of our last published statement.
　　　　　　 You have every reason to be proud of this statement.
　　　　　　 Our new statement will be published next week.

17. stockholder股东，股票持有者
Stockholder: a party who holds part ownership in a company．
For example: The stockholders own it.
　　　　　　 The statement will be sent to all the stockholders.
He s one of our largest stockholders.

18. surplus盈余
Surplus: money owned by a company in addition to its capital．
For example: The reserves are shown here as surplus and undivided profits.
　　　　　　 The surplus is now as large as the capital. They ve built up a nice surplus.

19. teller银行出纳员
Teller: an employee in a bank who pays out and receives money
For example: The board hires them, along with the tellers.
　　　　　　 Take this to one of the tellers windows.
　　　　　　 The teller took the problem to the cashier.

20. undivided profit未分配利润
Undivided profits: profits not yet paid out as dividends or added to the surplus．
For example: The reserves are shown here as surplus and undivided profits.
　　　　　　 I didn t know the undivided profits were this high.
　　　　　　 How much undivided profit do you have?

21. vice-president副行长
Vice-president: an officer in a company who assists the president.
For example: The board hires the president and the vice-presidents.
　　　　　　 A vice-president supervises this department.
　　　　　　 One of the vice-presidents can handle this matter.

银行基本业务口语
   
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

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
to 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

金融英语(银行类银行法律)考试大纲

   
本考试要求应试者掌握西方经济学、会计学基本概念，并熟悉经济理论及其运用，掌握不同类型的会计运算工作
，掌握银行业基本知识与实务，与银行业相关的法律基本知识及国际惯例，掌握了解国际金融中心的实务和基础
知识。能运用英语处理银行业务函电、信件和能够阅读英语金融专业报刊、杂志，熟练地从事银行业务操作和
管理工作。本考试要求应试者四年内通过《经济学》、《会计学》、《银行业务》、《法律》4科考试及相关听力。

金融考试常用词汇
   
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
to 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
balance sheet 资产负债表
cash flow 现金流转
glossary 术语表
money order 汇款单，汇票
letter of credit n.[商](银行发行的)信用证
charge for 想...收费
overdraw v.透支
overdraft n.透支, 透支之款项
endorse [In5dC:s] v.在(票据)背面签名, 签注(文件), 认可, 签署
liability n.责任, 义务, 倾向, 债务, [负债], 与assets相对
asset n.[资产], 有用的东西
solvent adj. 有偿付能力的 n.溶媒, 溶剂, 解决方法
securities n.有价证券
time hull insurance 船舶定期保险
marine insurance 海损保险
maritime transportation insurance 海洋运输保险
fire insurance 火险
cargo insurance 货物保险