银行柜台英语200句_银行柜台英语

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银行柜台英语200句

目录

第一部分

必备词汇

一般用语 开户与存款 外币兑换 汇款 旅行支票 信用卡

第二部分

常用句型

问候、招呼 提供服务 引导相关柜台 送别 答谢

询问开立账户

请出示有关文件或证明 告诉汇率、利率是多少 需要何种票面现金 请客户稍作等候

询问存入（取出）多少钱？ 中国银行浙江省分行培训中心

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起存金额要求 指导客户填单 收取正常费用 接客户投诉电话 没收假钞 调解纠纷 树立银行形象

第三部分

情景对话

迎候客户光临 指引方向 开户与存款 汇入汇款 汇出汇款 货币兑换 兑付旅行支票 购买外汇 长城卡的使用 外卡业务 外卡取现

办理即期汇票托收 提供房屋贷款

第四部分

情景对话参考译文 中国银行浙江省分行培训中心

零售柜员英语口语教材

第一部分

必备词汇

一般用语

counter

[]

n.柜台 account

[]

n.计算、账目

greeting

[]

n.问候、祝贺 inquiry

apology

suggestion

pleasure

fault

forgive

matter

guide

moment

charge

commiion deduct

separate

独的

note

counterfeit

[]

n.询问

[]

n.道歉

[]

n.提议

[]

n.乐趣、愿望

[]

n.过错、缺点

[]

vt.原谅、饶恕

[]

n.事件、物质、内容、原因

vi.有关系、要紧

[]

n.领路人、向导、导游

vt.带领、指导

[]

n.片刻

]

n.费用, 主管, 掌管

vt.收费

[]

n.委任, 委托, 代办(权), 代理(权),犯(罪), 佣金

[]

vt.扣除

[]

adj.分开的, 分离的, 个别的, 单v.分开, 隔离, 分散, 分别

[]

n.笔记, 短信,注解,票据, 纸币

vt.注意, 记录, 笔记

[]

n 赝品, 伪造品

adj.伪造的, 假冒的

[

中国银行浙江省分行培训中心

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vt.伪造, 假冒

relevant

[]

adj.有关的, 相应的regular

[]

adj.规则的, 有秩序的, 经常的 adv.经常地

forge

[]

v.稳步前进, 铸造, 伪造

confiscate

[]

vt.没收, 充公, 查抄, 征用

receipt

straight

advice

cooperation percent

intend

separately

technical

技巧方面的individual

urgent

denomination representative 代表性的equivalent

开户与存款

cash

deposit

adj.被没收的[]

n.收条, 收据, 收到

v.收到

[]

adv.直, 直接, 一直

[]

n.忠告, 建议, [商]通知 []

n.合作, 协作 []

n.百分比, 百分数

[]

vt.想要, 打算, 意指, 意谓 []

adv.个别地分离地

[]

adj.技术的, 技术上的, []

n.个人, 个体 []

adj.急迫的, 紧急的 []

n.命名

[]

n.代表adj.典型的, 有[]

adj.相等的, 相当的, 同意义的n.等价物, 相等物

[]

n.现金

vt.兑现

[]

n.沉淀物, 存款, 押金, 保证金

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vt.存放, 堆积

vi.沉淀

withdraw

[]

vt.收回, 撤消

vi.缩回, 退出

interest rate

n.利率

annual

[]

adj.一年一次的, 每年的, 一年生的 current deposit

活期存款

fixed deposit

定期存款

fill

[]

vt.装满,充满, 填充

vi.充满

n.满足, 饱, 充分, 填方

form

[]

n.形状, 形态, 外形, 表格, 形式

v.形成, 构成, 排列,(使)组成duplicate

[]

adj.复制的, 副的, 两重的,两倍的, 完全相同 n.复制品, 副本

vt.复写, 复制, 使加倍, 使成双

sign

[]

n.标记, 符号, 记号, 征兆, 迹象, 征候

v.签名(于), 署名(于)～, 签署

dot

[]

n.点, 圆点, 园点

vt.在...上打点

frame

[]

n.结构, 画面,框架

balance

[]

n.秤, 天平, 平衡, [商] 收支差额, 结余,余额

v.平衡, 称, 权衡, 对比, 结算 n.资产平稳表

minimum

[]

adj.最小的, 最低的n.最小值, 最小化中国银行浙江省分行培训中心

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original

[]

adj.最初的, 原始的, 独创的, 新颖的n.原物, 原作

initial

[]

adj.最初的, 词首的, 初始的n.词

首大写字母

paport

[]

n.护照 Identity Card

n.身份证件

effective

[]

adj.有效的 certificate

[]

n.证书, 证明书

vt.发给证明书, 以证书形式授权给...外币兑换

exchange

[]

vt.交换, 调换, 兑换, 交流, 交易

n.交换, 调换, 兑换, 交流, 交易

exchange rate

n.兑换比率

exchange memo

n.兑换水单

memo 备忘录 currency

[]

n.流通货币

汇款

remittance

[]

n.汇款, 汇寄之款, 汇款额 SAEC（State Administration of Exchange Control）国家外汇管理局 approval

[]

n.赞成, 承认, 正式批准 reference

[]

n.提及, 涉及, 参考, 参考书目,证明书(人), 介绍信(人)convert

[]

vt.使转变, 转换...reconvert

[]

v.(使)恢复故态 krone

[]

克朗 peso

[]

比索中国银行浙江省分行培训中心

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bath

泰铢

rupee

[]

卢布

aboard

[]

adv.在船(飞机、车)上, 上船(飞

机、车)

prep.在(船、飞机、车)上, 上(船、飞

机、车)order

[]

n.顺序,秩序,会议规则,命令, 定购,定单

vt.命令, 定购, 定制

differ from

vi.不一致, 不同

旅行支票

traveller‟s check

n.旅行支票

sign

[]

n.标记, 符号, 记号, 征兆, 迹象,征候

v.签名(于), 署名(于)～, 签署

countersign

[]

n.复签 beforehand

[]

adv.预先 presence

[]

n.出席, 到场, 存在 purchase

[]

vt.买, 购买

n.买, 购买

authorization

[]

n.授权, 认可 iuing bank

n.出票行

agreement

[]

n.同意, 一致, 协定, 协议

信用卡

credit card

信用卡

application

[]

n.请求, 申请, 申请表, 应用 中国银行浙江省分行培训中心

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photocopy

[]

n.影印

v.影印 license

[]

n.许可(证), 执照

vt.许可, 特许

v.许可

valid

[]

adj.[律]有效的, 有根据的, 正当的, 正确的expiration

[]

n.满期

overdraft

透支之款项

depend on

accepting bank contact with

cancel

数字

one

two

three

four

five

six

seven

eight

nine

ten

hundred

thousand

million

[]

n.vi.依靠, 依赖

n.承兑行

v.与…联系

[]

v.注销 []

num.一

[]

num.二

[:]

num.三

[]

num.四

[]

num.五

[]

num.六

[]

num.七

[]

num.八

[]

num.九

[]

num.十

[]

num.百

[]

num.千

[]

num.百万 8

透支,中国银行浙江省分行培训中心

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英语语法简介 句子成分

一个句子皆由两个部分组成，即主语部分（subject group）与谓语部分（predicate group），如: My brother teaches English at a language school.句子中的my brother即是主语部分，teaches English at language school即是谓语部分。

句子由各个句子成分构成。句子成分分为7种：

1）主语（subject）它是一句的主体，使全句所述说的对象，常由名词或相当于名词的词担当，置于句首，如：

The train leaves at six o‟clock.2）谓语或谓语动词（predicate verb）它是述说主语的动作或状态的，常由动词担任，置于主语之后，如：

The house faces south.3）表语（predicative）它是表述主语的身份或特征的，常由名词或形容词担任，置于连系动词之后，如：

Brown is a comedian.It‟s fine today.4）宾语（object）它是表示及物动词的动作对象和介词所联系的对象的，常由名词或相当于名词的词担任，置于及物动词或介词等之后，如：

I received a letter yesterday.Do yuou have coffee with your breakfast? 5）定语 6）状语 7）补语 句子

句子（sentence）是具有主语部分和谓语部分并有完整意义的可以独立的一组词。在英语里，句子的基本结构有下列6种，较常用和简单的有：

1）主语+谓语（SV），如： Day dawns.中国银行浙江省分行培训中心

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2）主语+连系动词+表语（SLP），如： Tom‟s father is a profeor.3）主语+谓语+宾语（SVO），如： Ruth understands French.第二部分 常用句型

问候、招呼

1、Good morning.2、Good afternoon.3、How do you do ?

4、How are you ?

5、Hello.提供服务

6、Can I help you ?

7、May I help you ?

8、Is there anything I can do for you ?

9、What can I do for you ?

10、Can I do anything for you ?

11、How can I help you ?

引导相关柜台

12、Please follow me.13、Come with me, please.14、This way, please.15、Please go over there.16、Please come this way.中国银行浙江省分行培训中心

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17、Just go straight to the counter, please.18、Go upstairs, please.送别

19、Thank you.20、Thank you very much.21、Thank you for your help.22、Thank you for your advice.23、Thank you for your cooperation.24、That‟s very kind of you to do(say)so.答谢

25、My pleasure.26、You are welcome.27、That‟s all right.28、Don‟t mention it.29、At your service.询问开立账户

30、What kind of account did you have in mind?

31、What sort of account would you like?

32、What kind of account did you want?

33、What kind of account are you going to open?

请出示有关文件或证明

34、Would you mind showing me your paport?

35、Could I ask you to show me your Identity Card/

36、Do you mind if I ask you to show me your Exchange Memo?

37、May I trouble you to give me to show your drawing slip?

38、Could I have your paport, please? 中国银行浙江省分行培训中心

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39、Please show me some effective certificates, please.40、Paport, please?

告诉汇率、利率是多少

41、Today‟s exchange rate of RMB to USD is 827 yuan to 100 dollars.42、The annual interest rate is 3.78 per cent.需要何种票面现金

43、How would you like it ?

44、What do you want to have your money?

45、How shall I give it to you ?

46、What would you like for your money ?

请客户稍作等候

47、One moment, please.48、Please wait a little while.49、Just a moment, please.询问存入（取出）多少钱？

50、How much do you want to place to your account?

51、How much do you want to take from your account?

52、How much do you want to put into your account?

53、How much money do you wish to withdraw from your account?

起存金额要求

54、The minimum amount is one yuan.55、Fifty dollars is the minimum original deposit.56、You have to deposit an initial amount of 50 dollars.中国银行浙江省分行培训中心

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指导客户填单

57、Please sign your name on this dotted line.58、Here, in this framed space.59、This is an exchange memo.Please fill in your name, paport number, your nationality and the amount you intend to change.60、Please fill in this application form and sign your name.61、Among them there are TT, MT and DD.Please tick off the one that you prefer.收取正常费用

62、We‟ll deduct a collection service charge from the total amount.63、You will have to pay the charge for the TT.64、The charge for air mail is 10 dollars.65、Would you like the commiion deducted from this five hundred US dollars, or would you rather pay it separately? 66、At your request, we deduct it from the remittance.接客户投诉电话

67、Oh, yes.Please hold the line for a moment and I‟ll see if our manager is here in his office? 68、Thank you for calling me about this.I‟ll go and check it right away.Please hold on for a second I‟ll tell you the information.69、Hello, this is the Bank of China, Zhejiang Branch.Can I help you ?

没收假钞

70、After technical examination, we find this note is counterfeit.71、According to the relevant regulations, forged notes are to be confiscated.72、Sorry, sir, this note you gave me is a forged one.It can‟t be accepted by the bank.We have to take it in and confiscate it as required.Here „s a receipt for it.13 中国银行浙江省分行培训中心

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调解纠纷

73、How do you do ? I‟m the service manager.Would you please have a talk with me about it? 74、Well, please calm down, I think there is nothing serious and I can help you with the problem.Come with me, please.75、Oh, dear, we‟re terribly sorry for this misunderstanding, but can I ask your cooperation and understanding ?

树立银行形象

76、Well, we‟re not only the closest bank, but we‟re also the most modern and convenient bank in the whole block.77、Would you like to leave your contact telephone number with us, so that I can give you a call as soon as problem is solved for you.78、I‟ll contact you within the next few days.This is my busine card, if you have other questions, please feel free to call me.79、Perhaps you can leave an instruction with our bank, telling us to remind you of the arrival of your remittance.第三部分

情景对话

迎候客户光临

A T:

Good morning, Sir.What can I do for you ? C:

Good morning, I‟d like to remit some money to the USA, but I‟ve got no idea how to do it.T:

OK.Look, that‟s handled over there at counter with the sign “Outward Remittance”.Please follow me.中国银行浙江省分行培训中心

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C:

Thank you.T:

That‟s all right.B T:

Hello, Sir.What can I do for you ? You‟re looking very worried.C:

I am.I have to withdraw my money in ten minutes, or I can‟t catch my plane.But you see, there‟re still three persons in front of me.I don‟t know what to do for such a hurry.T:

OK, please don‟t worry.Let me help you with your busine.(to other customers)I‟m sorry to bother you now, gentlemen.But this young man is in a hurry.He‟s going to catch the plane.Would you mind if we do his busine before your turn? C: No problem, please go ahead.T:

Thank you very much for your cooperation.(to the worried customer)Please.C:(to the customers)Thank you very much.(to the service manager)Thank you.T:

Don‟t mention it.My pleasure.指引方向

T:

Good morning, Sir.May I help you? C: Could you tell me how to get to the Credit Card Department? T: Certainly.Please go straight this way until the end.Then turn left.C:

Thank you.T: You are welcome.开户与存款

A T:

Good afternoon, Sir.May I help you? C:

Yes, please.I‟d like to open a saving account.Will you tell me how to do it ? T:

Certainly, sir.I‟m so glad to help you.Usually, we offer a current deposit account and a fixed deposit account for an individual.What kind of account would you like to 中国银行浙江省分行培训中心

零售柜员英语口语教材

open? C: Could you tell me the difference between them? T:

Yes, of course.If you open a fixed deposit account, you‟ll have a deposit certificate in the name of the depositor.And the interest rate is higher for it.C:

Then, how about the current deposit account? T: The current deposit account takes the form of a Pabook.You may withdraw the money at any time and, you just need to present your pabook.C:

I‟d rather open a current deposit account, then.T:

Please go to counter No.9 for service with your paport, and use your real name for your account.C:

Thank you very much.T:

You are welcome.B T: How do you do ? What can I do for you ? C:

How do you do ? I‟ve been working in a joint-venture enterprise, and I‟m planning to stay here in your city for 3 years.I thought I would choose a bank in which to open a time deposit account for notes.Can you give me some information about what kind of time deposit account you can offer? T: It‟s my pleasure.We have 5 kinds of foreign currency time deposit account: 1-month, 3-month, 6-month, 1-year maturities.C: Can I draw the cash from the time deposit account at any time? T: Certainly.But you‟d better do it on maturity date, because the interest payable is calculated at the rate of time deposit.You can earn more interest from it.However, if you want to draw cash from the deposit before the maturity date, you won‟t earn the interest fixed originally.C:

But if I draw a part of the amount from a time deposit account before its maturity date, how to calculate the interest to be payable for the remaining undrawn amount? T:

In that case, the interest to be payable for your withdraw is calculated at the rate ruling on the date of your withdrawal.But, if you don‟t withdraw all the sum from 中国银行浙江省分行培训中心

零售柜员英语口语教材

your time deposit account, the remaining undrawn amount will still bear interest at the rate stated at the time of deposit.Well, by the way, our government has implemented a 20% flat tax on interest income since Nov.1,1999.C:

I see.What‟s the initial amount for a deposit account, then? T: For the current deposit of foreign currency, the initial amount can not be le than the equivalent value of RMB ￥100, and for the time deposit, the amount not le than RMB￥500.C:

Would you please tell me the current interest rate for such a us dollar deposit? T:

Certainly, Sir.The Electronic Bulletin Board on the wall will give you all the up-to date interest rates and exchange rates.C:

Where is it? T:

You see , its over there.Come with me, please.C:

Oh, yes.There it is!Thank you very much.T: Don‟t mention it.It‟s my pleasure.C C:

Good morning.T:

Good morning.Welcome to our bank.I‟m glad to help you.C: I have five thousand Singapore dollars(S$5000)and I‟d like to deposit it in your bank.Can I do it here? T:

Yes, of course you can.Can I‟m afraid there‟re only 9 kinds of foreign currency allowed for opening deposit account in our bank.They‟re US dollar, Hongkong dollar, Japanese yen, Pound sterling, Australian dollar, Canadian dollar, Swi franc, Singapore dollar and Euro.C: Well, what should I have to do about it? T: Officially, as for any other freely convertible foreign currencies, they have to be changed into one of the 9 kinds of currencies just mentioned.The amount to be credited into your account must be duly converted according to the exchange rate ruling on the date of deposit.What currency would you prefer? It‟s up to you to make a decision.中国银行浙江省分行培训中心

零售柜员英语口语教材

C:

Oh, I‟ve got it.Thanks a lot.T:

My pleasure.汇入汇款

C:

Good afternoon.T:

Good afternoon.Can I help you ? C:

Yes, I‟d like to know the different ways of remittance from abroad.T: You can send your money by TT、DD、or MT.C: Which is the quickest way? T:

I suggest you‟d better choose telegraphic transfer if you urgently want cash.C: OK.Thanks.T: At your service.汇出汇款

C: I‟d like to send some money to my brother in New York.And I hope he can get it as soon as poible.Can I wire the money to him? T:

Yes.We can make arrangements to send it by cable if you like.But first of all, we want to see your personal certificates and documents presented by you to the bank.C:

All these are required? T:

Yes, of course.C:

What are they, please? T:

Your paport with a valid visa, a certificate for your personal income, or the other original documents for receipt if you have.C:

So I see, the foreign exchange control system is applied in your country.But now I want to be aured the remittance by telegraphic transfer would be fast, wouldn‟t it? T:

Yes.As your request is so urgent today, we can manage to send it by SWIFT.It‟ll be the fastest way and cost you little, because every 325 characters is only a unit of charge.C:

OK, I‟d prefer SWIFT.But any more charge for such remittance? T:

Yes, sir.We would add the cable fee to our regular service charges.中国银行浙江省分行培训中心

零售柜员英语口语教材

C:

Oh, I see.Two thousand US dollars, I think.T:

All right.Please fill out this remittance application.And we‟ll need your addre and telephone number, too.C:

Here you are..You can debit my savings account for the amount including service and cable charges.T:

Yes.(After a while)…

T:

Everything is OK now.Here is the receipt for the remittance.Sorry to have kept you waiting C:

It‟s all right.Thank you, bye-bye.T:

Bye-bye.货币兑换

C:

Good afternoon T:

Good afternoon.C:

I‟d like to exchange some US dollars for RMB yuan.Would you please tell me today‟s exchange rate?

T:

It‟s RMB ￥827 against USD100.C:

Is this rate the same as in other banks all over China? T:

It‟s the same.C:

Also, I want to know your busine hours.T:

It‟s from 9:00am to 5:00pm every day.C: Thank you.Good-bye!T:

It‟s my pleasure.Goodbye!

兑付旅行支票

T:

How do you do ? Welcome to the Bank of China, Zhejiang Branch.C:

How do you do ? Can I change foreign money in your bank? T:

Yes, you can.But what money would you like to change, please? C:

Some Pounds Sterling, 中国银行浙江省分行培训中心

零售柜员英语口语教材

T:

In notes or cheques ? C:

In travelers cheques of Lloyds Bank, Ltd..T:

How much, please? C:

Two hundred pounds in all.Here are my four cheques.T:

Please countersign them.C: All right.But where can I sign? T:

Just here, with these words “ countersign here in presence of paying agent(or cashier)”.Please name as specified.C:

OK.Here you are and see if it‟s all right, please.T: Now, please show me your paport and fill in this memo in duplicate.C:

There, I‟ve got them finished.And this is my paport.T:

Everything is all right.Well, by the way, how would you like your money? Mr.Williams.C: I don‟t mind.Any kind of denominations are OK.T: Here you are, Mr.Williams.C:

Thanks a lot.Goodbye.T:

You‟re welcome.Goodbye.购买外汇

T:

How do you do, Sir.What can I do for you ? C:

How do you do ? I‟ve been a foreign language teacher for two years in Zhejiang University.But I‟ll go back to the U.S.A.in a week when the vacation starts.I still have two thousand Renminbi Yuan unused from my wages.Can I change them into US dollars? T:

Yes, you can if you have the relative personal certificates, like your Foreign Experts certificate, etc.C:

It so happens that I have them.T:

That‟s good.According to the current provisions of our foreign exchange control regulations, you can convert your Renminbi notes not more then ￥2400 per month while you‟re staying in China.Well, by the way, have you ever bought foreign 中国银行浙江省分行培训中心

零售柜员英语口语教材

currency at present? C:

No, I haven‟t.T:

So I think its no problem for you to buy US dollars with your two thousand Renminbi yuan.C: Can you tell me what‟s the exchange rate today?

T:

The selling rate is eight hundred and twenty-eight Renminbi yuan(RMB￥828)against one hundred US dollars(USD100).You‟ll get two hundred and forty-two US dollars.C:

That‟s clear.I want to buy now.T:

Please go to counter No.10.You can have the service there.C:

Thank you very much.T:

You‟re welcome.长城卡的使用 T:

How do you do? C:

How do you do.I‟ve opened a Great Wall Card recently.Now I want to cash some money, how can I do with it, please.T:

You can use it to draw money from the ATM, but the withdrawal amount is limited within RMB￥1000 each time.You can also use it at the counter to get much more money, if you want.C:

For what amount do you need authorization? T:

For any amount exceeding the line of credit, we‟ll have to.C: How about paying my expenses with the card? T:

You don‟t need to get authorization if your expenses are in line with the credit given by the iuing bank.C:

Thank you for your aistance.T: Not at all.You are welcome.中国银行浙江省分行培训中心

零售柜员英语口语教材

外卡业务

C:

How do you do.This is the first time I‟ve traveled in China.Now I‟m here to cash some money with my credit card.I wonder if you have an agency for foreign credit card service.T:

Yes.Our bank has the agency for VISA, Master, Expre, Diners and JCB cards.C:

Can I draw some US dollars with my card? T:

Yes, you can.Please show your credit card and paport to me.C: Here you are.T: Wait a minute, please.We‟ll have to call the Authorization Center.C:

No hurry, just take your time.T: Now here is USD2000.Please count it and take back your paport and card.C:

It‟s correct.Thank you.T:

You‟re welcome.外卡取现

T: Good afternoon.What can I do for you? C:

Good afternoon.Could I cash some money with my Diners Card? T:

Yes, we can do it for you after we contact the Diners representative office for authorization.C:

Then how about the service charge? T:

It‟s 4% of your withdrawals.But I have to remind you that there‟s only one time you can draw cash from our bank within a day, no matter whether your requirement is accepted or not.C:

You mean I‟ll have to come here another day if my requirement is refused one day ? T:

Right.But another point to be mentioned: you can only cash an amount equivalent to one thousand five hundred Renminbi Yuan(RMB￥1500)or more each time.C:

Oh, really ? T:

Yes, the clerk will give you an exact calculation.中国银行浙江省分行培训中心

零售柜员英语口语教材

C:

OK.Thank you for your explanation.T: Not at all.You‟re welcome.办理票据托收业务

C:

Excuse me, but may I ask how to encash my demand draft ? T: You‟re welcome.Would you mind showing me your draft ? C:

Of course not.Here it is.T:

I‟m sorry to tell you that your draft can‟t be cashed right away, because it was iued four months ago.There are still two months to go for the expiry date which is usually six months.In order to make payment safe, I think I‟d better collect it for you.C:

I have no idea of encashing drafts.Therefore, I agree with you.But how long will it take to have my draft collected ? T: About one month.C:

That‟s quite a long time.Anyway, please collect for me.T:

So, please tell me your telephone number so as to enable us to advise you of the result of collection in time.C:

It is 88463582, and my name is Wang Lin.Thank you.I‟ll be waiting for your telephone.T:

Not at all.提供房屋贷款

T: Hello.Mr.Wang Lin.Is there anything I can do for you ? C:

Yes, please.I‟m planning to buy a villa in Hangzhou, but I‟m short of money.So I‟d like to know something about mortgage loans.Could you give me such information? T:

Yes.Our bank usually lends money on certain conditions.You can fill out this application first.C:

Here you are.What else should I do? T:

Oh, it takes some time to complete a mortgage loan transaction.And here‟s our mortgage loan booklet which explains all the neceary things.中国银行浙江省分行培训中心

零售柜员英语口语教材

C:

Thank you.T:

Our bank will go and see the villa you want to buy to appraise the value next Monday.C: Fine, I‟ll be ready.By the way, what‟s the interest rate on mortgage loans? T: It is about 5%.C: I see.Good-bye.T:

Good-bye.情景对话参考译文

迎候客户光临

A T：早上好，先生。请问你要办理什么业务？

C：早上好。我想汇些钱到美国，可是我不知道怎么办？ T：瞧，就在那边标有“汇出汇款”的柜台办理，请跟我来。C：谢谢你。T：没关系。

B T：你好，先生。请问办理什么业务？你看上去挺着急的。

C：是的。我必须在10分钟之内办好取款业务，否则我就赶不上飞机了。可是，你瞧，我前面仍有三个人，我不知道如何才能快点办完。

T：好吧，请别着急。让我帮你办好此事。（面对其他客户）很抱歉打搅你们。这位年轻人有急事，他要赶飞机。请不要介意我们提前给他办理业务，好吗？ C：没问题，请尽管办理就是。

T：非常感谢大家的合作。（对焦急的客户）你请吧。C：（对其他客户）非常感谢。（对大家经理）谢谢你。T：别客气。应该的。中国银行浙江省分行培训中心

零售柜员英语口语教材

指引方向

T：先生，早上好，请问你要办理什么业务？ C：你能告诉我到信用卡部怎么走吗？

T：当然可以。请一直往前走直到尽头，然后左转弯。C：谢谢。T：不用谢。

开户与存款

A T：先生，下午好。请问你要办理什么业务？

C：是的，我想开一个储蓄账户，你能告诉我怎样办理吗？

T：好的，我很高兴为你服务。我们通常对个人提供活期存款和定期存款两种账户，你想开哪一种？

C：你能告诉我它们之间的区别吗？

T：当然可以。如果你开一个定期账户，你就会有一张以存款人名字开立的存款单，定期利率要高一些。C：那么活期账户呢？

T：活期账户采用存折的形式，你可以随时取款，你只需出示存折。C：我开个活期账户吧。

T：请到9号柜台，并在你的账户上使用你的真实姓名。C：非常感谢。T：不客气。

B

T：你好，请问你要办理什么业务？

C：你好。我在一家合资企业工作，在这儿大约呆3年。我想选择一家银行存定期存款，想知道有哪几种定期存款账户，你能介绍一下吗？

T：乐意服务。我行的外币定期存款分为1个月、3个月、6个月、1年期、2年期五个档次。C：可以随时从账户上取钱吗？

T：可以，但一般到期取钱为好，按定期利率算利息，利率较高。如果在存单到期日之前支取现金的话，你就不能获得原定的利息了。中国银行浙江省分行培训中心

零售柜员英语口语教材

C：但是，如果我在未到期时就部分支取了定期存款，那么对于未支取的部分该怎样计算利息呢？

T：在这种情况下，对支取部分所要支付的利息按取款这天的活期存款利息付给你。如果你不支取全部存款，则剩下来未取的存款仍按原定期存款的利率计息。还有，从1999年11月1日起，我国政府已经开始对各类储蓄存款征收20%的利息收入税。C：我明白了：我明白了。那么起存金额是多少？

T：外币活期存款起存金额不低于人民币100元等值外币，外币定期存款起存金额不低于人民币500元等值外币。

C：你能告诉我现在美元的存款利率吗？

T：当然可以。我行大厅电子显示屏上公布着最新的存款利率和外汇牌价。C：电子显示屏在哪里？ T：就在那边，请跟我来。C：是的。非常感谢你。T：别客气，这是我应该做的。

C C：早上好。

T：早上好。欢迎光临，很高兴为你服务。C：我有5000新加坡元，想存在贵行，可以吗？

T：可以，但我们的存款货币目前只有美元、港币、日元、英镑、瑞士法郎、加拿大元、新加坡元、澳元、欧元九种。C：那我该怎么办？

T：严格地讲，除这七种货币外的其他可自由兑换的货币，可由存款人自由选择上述九种货币之一，按存入日的外汇牌价折算入账。请问你选择哪种货币？这些均由你自己决定。C：哦，我明白了。谢谢。T：不用谢。

汇入汇款 C：下午好。

T：下午好，请问你要办理什么业务？中国银行浙江省分行培训中心

零售柜员英语口语教材

C：请问从国外汇款来有哪几种方式？ T：可以用电汇、票汇、信汇等形式汇款。C：采用哪种方式快些？

T：如果急需用钱的话，用电汇比较快。C：好的，谢谢。T：不用谢。

汇出汇款

C：我想汇些钱给我在纽约的兄弟，而且希望尽快地把钱寄给他。我可以电汇这笔钱吗？ T：可以。我们有向国外汇款的电汇业务，如果你需要，我们可以替你电汇。但首先我们要看看有关你个人出示给银行的材料。C：所有这些都是作了规定的吗？ T：是的，当然啦。C：请问需要些什么材料？

T：你的带有签证的护照，个人收入证明，如果有的话，还需要你的收款原始凭证。C：我明白了，你们国家实行的是外汇管制。但我想确定电汇会是快捷的，对吗？ T：是的，你今天要得这么急，我们就安排用SWIFT汇出吧。这是最快的方式而且费用也少，因为它是按325个字为一个收费单位来计费的。C：行，我就选SWIFT。要额外费用吗？

T：是的，先生。我们要把电汇费用加到我们正常的手续费上。C：哦，我想汇出2000美元。

T：好，请你填好汇款申请书，还请你留下地址和电话号码。C：给你。你可从我的储蓄账户上扣除汇款金额和手续费、电报费。T：好的。

C：可以了。这是汇款收据。对不起让你久等了。T：没关系，谢谢你，再见。C：再见。

货币兑换 C：下午好。中国银行浙江省分行培训中心

零售柜员英语口语教材

T：下午好。

C：我想把美元换成人民币，请问今天的汇率是多少？ T：今天的汇率是100美元兑换827元人民币。C：这与在中国其他银行的汇率是一样的吗？ T：一样的。

C：我还想问一下你们的营业时间。T：上午8：30到下午5：30。C：谢谢你，再见。T：不用谢，再见。

兑付旅行支票

T：你好，欢迎到中国银行浙江省分行来办理业务。C：你好。我能否在贵行兑换些外币？ T：行，可以的。不过请问需要兑换什么货币？ C：一些英镑。

T：请问是现钞还是支票？ C：英国劳合银行的旅行支票。T：请问多少金额？

C：总共200英镑。给你，这是我的四张支票。T：请复签一下吧。C：好的，签在什么地方？

T：就在此处印有“当着付款代理人（或出纳人员）的面进行复签”字样的地方。请按票上的说明写上自己的名字就行了。C：好。给你，看看这样行不行。

T：现在请你出示一下护照，填好这一张一式两份的水单。C：好了，我都填完了。这是我的护照。

T：手续都齐了。顺便问一下，威廉先生，你需要什么票面的现钞？ C：随便，什么票面的都行。T：给。

C：非常感谢。再见。中国银行浙江省分行培训中心

零售柜员英语口语教材

T：不用谢，再见。

购买外汇

T：你好，先生。请问需要办理什么业务？

C：你好。我在浙江大学教外语已经有两年了。不过一周内假期一开始我将回美国去。目前工资还剩2000元人民币。可以换成美元吗？

T：可以，只要你有相关的个人证明，如外国专家证等。C：正好我带着。

T：这就好。根据我国目前的外汇管理规定，在中国期间你可以每月购买不超过2400元人民币的外汇。顺便问一下，最近曾购买过外汇吗？ C：没有。

T：那么我看你完全可以用2000元人民币购买美元。C：请你告诉我今天的牌价是多少？

T：卖出价是100美元兑人民币。你可以换取242美元。C：清楚了。我现在就买。

T：请到10号柜台办理。你在那儿可以得到服务。C：非常感谢。T：欢迎光临。

长城卡的使用 T：你好。

C：你好。我最近才办了一张长城信用卡，我想现在就取现，该怎么办？

T：你可以用卡在自动柜员机上取现，但一次只能取1000元人民币。如果需要的话，在柜台上办理就可以多取些。C：多少金额以上需经过授权？ T：金额超过信用额度均需经过授权。C：那用卡进行消费呢？

T：消费额在发卡行授信额度内就不必经过授权。C：谢谢你的帮助。T：别客气，再见。中国银行浙江省分行培训中心

零售柜员英语口语教材

外卡业务

T：你好。请问你要办理什么业务？

C：你好。我初次到贵国来旅游，我想用信用卡取现，不知道贵行代理哪些外卡业务？ T：噢，我们能够代理维萨卡、万事达卡、运通卡、大莱卡以及JCB卡。C：我的卡可以取美元吗？

T：可以，请出示你的信用卡和护照。C：给。

T：请稍等一会儿，我们还要进行授权。C：没关系，不着急。

T：给你2000美元，请点数。收好你的护照和信用卡。C：没错，谢谢。T：欢迎下次光临。

外卡取现

T：下午好。请问你要办理什么业务？ C：下午好。我能用大莱卡取现吗？

T：可以。我们能为你办理，但先得和大莱办事处联系获得授权。C：那么，手续费是多少？

T：按照支取金额的4%收取。但我还得提醒你注意，不论你的要求是否满足，一天之内只能用信用卡办理一次。

C：你是说如果当天没能受理，我第二天还得来？

T：是的。另外你每次取款数不得少于1500元人民币的等值外币。C：哦，是吗？

T：是的，柜员会给你准确的数字。C：好的，谢谢你的解释。T：别客气，再见。

办理票据托收业务

C：对不起，我想问一下即期汇票如何兑付？ T：没关系。请您把汇票给我看看可以吗？中国银行浙江省分行培训中心

零售柜员英语口语教材

C：当然可以，给你。

T：和抱歉，您的汇票不能马上兑现，因为它是四个月前签发的，离有效期的截止日还有两个月。为了保证兑付，我建议为您办理托收。

C：我对对付汇票不甚了解，所以，我同意你的建议，但托收要多久呢？ T：大约一个月。

C：太久了。还是请你办托收吧。

T：那么，请拧把联系电话号码留下，以便能使我们及时通知您托收的结果。C：我的电话号码是88463582。我叫王林。我等待你的电话。谢谢。T：不用谢。

提供房屋贷款

T：您好，王林先生。我能为您效劳吗？

C：是的，想请你帮忙。我打算在杭州买栋别墅，但我钱不够。因此，我想了解一些关于抵押贷款的情况，你能告诉我吗？

T：好的。我们银行在一定条件下提供房屋贷款，请先填这份申请吧。C：给你，已填好了。我还要办什么手续呢？

T：哦，办好一项抵押贷款需要一定时间。对了，这是我们抵押贷款的小册子，说明了所需要办的有关部事项。C：谢谢你。

T：我们银行准备下星期一去看您要买的别墅，并对别墅进行估价。C：太好了，我会做好准备。顺便问问，抵押贷款利息率是多少/ T：大约5%左右。C：我知道了。再见。T：再见。