銀行業(yè)務(wù)場(chǎng)景對(duì)話的金融英語(yǔ)
現(xiàn)在在我們的身邊到處都有金融，那么你會(huì)金融的英語(yǔ)句子嗎，今天小編就給大家看看金融英語(yǔ)，希望能幫助到大家。
金融英語(yǔ)：租用銀行的保管箱
Alberta Barnes is talking with the vault clerk at the First National Bank .She is asking about renting a safe deposit box .
艾伯特·巴恩斯正在與第一國(guó)民銀行的保險(xiǎn)庫(kù)職員談話，她問(wèn)到租用銀行保管箱的事。
Barnes:Can you tell me something about renting a safe deposit box?
巴恩斯：您能跟我談?wù)動(dòng)嘘P(guān)租用銀行積保管箱的情況嗎?
I want to put some securities and insurance policies in a safe place .
我想把一些證券和保險(xiǎn)單放在一個(gè)安全的地方。
Clerk:Yes,ma'am .We have three different box sizes which we can rent .
職員：好的，夫人。我們有三種不用規(guī)格的箱子可供出租。
The yearly rental fee depends on the size and location of the box .
每年的租金取決于箱子的規(guī)格大小和箱子的存放地點(diǎn)。
Most of people use the small size box.
大多數(shù)人租用小號(hào)的箱子，
It's just right for securities and other valuable papers.
它正好適用于證券和其他貴重票據(jù)的存放。
B:Do I have the only key to the box?
巴恩斯：是不是只有我才有這箱子的唯一的一把鑰匙?
C:We will give you more than one key if you wish .But we must have signature cards for all authorized box users.
職員：如果您愿意，我們可以多給您一、兩把鑰匙。但是，我們必須有被批準(zhǔn)使用箱子的那個(gè)人的簽字卡片。
It requires your key and the bank's key to open a box .
打開箱子時(shí)需要使用您的鑰匙和銀行的鑰匙。
B:What if I lost my key? I'm afraid I'm sometime very forgetful .
巴恩斯：如果我丟失了鑰匙，那該怎么辦?恐怕我有時(shí)是很健忘的。
C:I would encourage you not to lose it if possible.If you lose the key ,the only way to open the box is to drill it open in the presence of two bank officials in addition to yourself .
職員：我希望您盡可能別丟失它。如果您丟了鑰匙，打開箱子的唯一辦法就是除了您本人在場(chǎng)之外，還要有兩個(gè)銀行的職員在場(chǎng)，把箱子鉆開。
And we would have to charge you for drilling open the box and replacing the lock .
因?yàn)殂@開箱子和重新?lián)Q鎖，我們還要向您索取費(fèi)用。
B:Well,I'd better be careful .Do I pay by the month or the year?
巴恩斯：那么，我最好還是小心點(diǎn)。使用費(fèi)是按月支付，還是按年支付?
C:Box rental fees are payable yearly in advance .You may pay for more than one year at a time if you wish .
職員：箱子的租金是每年預(yù)先支付，如果您愿意的話，也可以一次支付幾年我租金。
B:Well,let me pay you for one year now.Please show me where to sign the form .
巴恩斯：好的，我先支付一年的費(fèi)用。請(qǐng)您告訴我到哪里去填寫表格。
金融英語(yǔ)：匯票貼現(xiàn)
A bank clerk receives a telephone call from a businessman inquiring about discounting a bill of exchange.
銀行職員接到了一個(gè)商人打來(lái)的電話，詢問(wèn)有關(guān)匯票貼現(xiàn)的事情。
Clerk:First National Bank.May I help you ?
職員：這里是第一國(guó)民銀行，我可以為您做什么?
Businessman:Yes,please,I'd like to get some information about discounting a bill of exchange .
商人：是的，我想了解一些有關(guān)匯票貼現(xiàn)方面的情況，
Do you do that?
你們銀行有這項(xiàng)業(yè)務(wù)嗎?
C:Yes ,sir .We can handle the discounting of bills of exchange if they meet certain criteria.
職員：是的，先生。我們能夠辦理匯票貼現(xiàn)，只要這些匯票是合乎一定標(biāo)準(zhǔn)的。
Can you tell what kind of a bill you have?
您能否告訴我，您持有的是哪一種匯票嗎?
B:Yes,it's a ninety-day bill for ,750.00.It matures about two months from now.
商人：可以的。我有一張90天的面值為6，750美元的匯票，從現(xiàn)在起還有兩個(gè)月到期。
I didn't think we'd have to discount it ,but I need the working capital right now.
我本身并不是很情愿地想貼現(xiàn)這張匯票，但是我眼下急需流動(dòng)資金。
How do I discount it ?
您說(shuō)，這怎樣才能把這張匯票貼現(xiàn)呢?
C:Well ,we can discount certain trade and commercial bills and certain trade acceptances in addition to most bankers acceptances .
職員：噢，除了大多數(shù)銀行可承兌的票據(jù)外，我們還貼現(xiàn)某些貿(mào)易，商業(yè)票據(jù)以及某些貿(mào)易可承兌票據(jù)。
The discount rate depends on the terms of the bill,the amount ,the reputation of the drawee and the reputation of the drawer.
但是貼現(xiàn)率取決于票據(jù)的期限、金額、付款人和開票人的聲譽(yù)。
B:Why does it depend on drawer's reputation or financial status?
商人：為什么貼現(xiàn)率要取決于開票人的聲譽(yù)和財(cái)政狀況呢?
C:Well,we discount most bills on a full-recoures basis .Should the bill be dishonoured upon presentation ,
職員：噢，我們是在一個(gè)完全有追索權(quán)的基礎(chǔ)上對(duì)大多數(shù)的票據(jù)貼現(xiàn)的。如果出示的票據(jù)被拒付，
it would be returned on recourse to the drawer.
那么票據(jù)就退回給開票人，以追索款項(xiàng)。
B:I see ...Is it difficult to handle the paperwork? I'm not sure just what I should do .
商人：我明白了。辦理票據(jù)手續(xù)難辦嗎?我不太清楚我應(yīng)該做些什么。
C;Well,the best thing is to come in and talk with our discount officer .
職員：最好的辦法是到銀行來(lái)，同我們這里負(fù)責(zé)貼現(xiàn)的高級(jí)職員談?wù)劊?/p>
He can give you all the information you need.
他會(huì)告訴你所需要知道的一切信息。
金融英語(yǔ)：流動(dòng)資金貸款
Tadao Yamamura runs a Japanese Food Import Firm in Los Angeles.
山村忠男在洛杉磯經(jīng)營(yíng)一個(gè)日本食品進(jìn)口公司，
He is talking to his banker ,Bart Jones ,about a working capital loan.
他正在和他的銀行家巴特·瓊斯談?wù)撚嘘P(guān)流動(dòng)資金貸款事宜。
Yamamura:We would like to expand our line of imports,but I'm having some difficulties with working capital for the expansion .
山村：我想擴(kuò)大我們的進(jìn)口貿(mào)易，但是在擴(kuò)大經(jīng)營(yíng)中，我們?cè)诹鲃?dòng)資金方面有些困難。
Jones:I think we should explore some of the commercial loan plans we have available that might give you the working capital you need.Mr.Yamamura.
瓊斯：山村先生，我認(rèn)為，我們應(yīng)該研究一下我們現(xiàn)有可利用的某些商業(yè)貸款章程，那樣，我們便可為您提供您需要的流動(dòng)資金。
Y:I've brought along the latest copies of my balance sheet and operating statements.
山村：我隨身帶來(lái)了我的最新的資產(chǎn)負(fù)債表和營(yíng)業(yè)損益表的副本。
As you can see,we have a lot tied up in accounts receivable .
您可以從中看到，我們帳面上的應(yīng)收帳款有許多已成為呆滯資金，
That's one of our biggest problems.They're good accounts ,but it requires a lot of working capital to carry them .
這是我們的最大問(wèn)題之一。我些帳款都是有效帳目，但是需要許多流動(dòng)資金去實(shí)施它們。
J:Yes,that's a frequent difficulty in large and small firms,Mr.Yamamura.
瓊斯：是的，山村先生，這就是大小企業(yè)經(jīng)常遇到的困難。
I might suggest an accounts receivable loan .We can lend you money against an assignment of your accounts receivable .
我建議你們可以采用應(yīng)收帳款貸款，我們銀行給您貸款，而把應(yīng)收帳款轉(zhuǎn)讓作抵押。
Y:I wouldn't want my customers to know that I had to assign their accounts to the bank .
山村：我不愿意讓我的顧客們知道我不得不把他們的賬戶轉(zhuǎn)讓給銀行作為抵押。
J:They wouldn't know,Mr.Yamamura ,I'm talking about non-notification accounts receivable assignments .
瓊斯：他們不會(huì)知道的，山村先生。我說(shuō)的是不通知的應(yīng)收帳款轉(zhuǎn)讓。
It's frequently used type of loan for these purposes.Some people call it factoring .
人們經(jīng)常使用這種貸款來(lái)達(dá)到上述那些目的。有些人稱這種貸款為應(yīng)收帳款讓售。
Y:You mean I borrow against the accounts,then give the payments I receive to the bank?
山村：您是說(shuō)，我用帳戶上的應(yīng)收帳款來(lái)抵付我的銀行貸款，然后把我今后所收回的那些帳款再還給銀行。
J:Yes,that's right .Just a promissory note and an AR assignment is all that we'll need.
瓊斯：是的，就是這樣。我們銀行所需要的只是一張期票和一張應(yīng)收帳款轉(zhuǎn)讓單據(jù)。
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銀行業(yè)務(wù)場(chǎng)景對(duì)話的金融英語(yǔ)
