Vocabulary and key phrases
银行经理
yín háng jīng lǐ
我和银行经理有个关于贷款事宜的会议
。
wǒ hé yín háng jīng lǐ yǒu gè guān yú
dài kuǎn shì yí de huì yì 。
the bank manager
I have a meeting with the bank manager to
discuss a loan.
银行职员
yín háng zhí yuán
银行职员建议我填写表格。
yín háng zhí yuán jiàn yì wǒ tián xiě
biǎo gé 。
the bank clerk
The bank clerk advised me to fill out the form.
理财服务
lǐ cái fú wù
理财服务部可以给你买股票和股份的建
议。
lǐ cái fú wù bù kě yǐ gěi nǐ mǎi gǔ piào
hé gǔ fèn de jiàn yì 。
the financial services
The financial services office can give you
advice on buying stocks and shares.
外汇窗口
wài huì chuāng kǒu
外汇窗口有印度卢比吗?
wài huì chuāng kǒu yǒu yìn dù lú bǐ
ma ?
the foreign exchange desk
Do they have Indian rupees at the foreign
exchange desk?
网上银行
wǎng shàng yín háng
这项服务网上银行也兼容吗?
zhè xiàng fú wù wǎng shàng yín háng
yě jiān róng ma ?
the internet banking
Is this service available on internet banking?
分部
fēn bù
你们分部的代码是多少?
nǐ men fēn bù de dài mǎ shì duō shǎo
?
the branch
What is the code number of your branch?
开立银行帐户
kāi lì yín háng zhàng hù
我给我女儿开立了一个银行账户。
wǒ gěi wǒ nǚ ér kāi lì le yī gè yín háng
zhàng hù 。
to open a bank account
I opened a bank account for my daughter.
活期账户
huó qī zhàng hù
我用我的活期账户支付日常开支。
wǒ yòng wǒ de huó qī zhàng hù zhī fù
rì cháng kāi zhī 。
the current account
I use my current account for my day-to-day
expenses.
储蓄帐户
chǔ xù zhàng hù
我每个月把工资的百分之十存入储蓄账
户。
wǒ měi gè yuè bǎ gōng zī de bǎi fēn
zhī shí cún rù chǔ xù zhàng hù 。
the savings account
I put 10% of my salary in a savings account
each month.
存款
cún kuǎn
我需要存款来支付租金。
wǒ xū yào cún kuǎn lái zhī fù zū jīn 。
the deposit
I have to make a deposit to pay my rent.
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取钱
qǔ qián
我想取两百欧元,谢谢。
wǒ xiǎng qǔ liǎng bǎi ōu yuán ,xiè
xiè 。
to withdraw
I would like to withdraw Eur200 please.
自动取款机
zì dòng qǔ kuǎn jī
我要从自动取款机取钱。
wǒ yào cóng zì dòng qǔ kuǎn jī qǔ
qián 。
the ATM
I am going to withdraw cash from the ATM.
信用卡
xìn yòng kǎ
你信用卡的限额是多少?
nǐ xìn yòng kǎ de xiàn é shì duō shǎo
?
the credit card
What is the limit on your credit card?
借记卡
jiè jì kǎ
我能用借记卡从网上支付吗?
wǒ néng yòng jiè jì kǎ cóng wǎng
shàng zhī fù ma ?
the debit card
Can I use the debit card to pay via the internet?
密码
mì mǎ
您新卡的密码之后将会寄到。
nín xīn kǎ de mì mǎ zhī hòu jiāng huì
jì dào 。
the pin number
The pin number of your new card will be sent to
you in the post.
支票
zhī piào
非常抱歉,但是我们不再接受支票了。
fēi cháng bào qiàn ,dàn shì wǒ men
bú zài jiē shòu zhī piào le 。
the cheque
I am sorry but we don't accept cheques
anymore.
透支
tòu zhī
你的活期账户有透支额度吗?
nǐ de huó qī zhàng hù yǒu tòu zhī é dù
ma ?
the overdraft
Do you have an overdraft facility in your
current account?
银行汇票
yín háng huì piào
你可以通过银行汇票或信用卡纳税。
nǐ kě yǐ tōng guò yín háng huì piào
huò xìn yòng kǎ nà shuì 。
the bank draft
You can pay the fee by bank draft or credit
card.
贷款
dài kuǎn
我想申请一笔贷款来买车,谢谢。
wǒ xiǎng shēn qǐng yī bǐ dài kuǎn lái
mǎi chē ,xiè xiè 。
the loan
I would like to take out a loan to buy a car
please.
抵押
dǐ yā
你房子的抵押很大吗?
nǐ fáng zǐ de dǐ yā hěn dà ma ?
the mortgage
Have you got a big mortgage on your house?
利息
lì xī
这笔贷款的利息非常高。
zhè bǐ dài kuǎn de lì xī fēi cháng gāo
。
the interest
The interest rate on this loan is very high.
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直接借记
zhí jiē jiè jì
每个月我用直接借记支付水电费。
měi gè yuè wǒ yòng zhí jiē jiè jì zhī fù
shuǐ diàn fèi 。
the direct debit
I use direct debit to pay my utility bills every
month.
定期转账
dìng qī zhuǎn zhàng
我用定期转账来还助学贷款。
wǒ yòng dìng qī zhuǎn zhàng lái huán
zhù xué dài kuǎn 。
the standing order
I use a standing order to pay off my student
loan.
汇款
huì kuǎn
我想汇款到我开曼群岛的账户。
wǒ xiǎng huì kuǎn dào wǒ kāi màn
qún dǎo de zhàng hù 。
the money transfer
I would like to send a money transfer to my
account in the Cayman Islands please.
银行对账单
yín háng duì zhàng dān
每个月你都会收到银行对账单。
měi gè yuè nǐ dōu huì shōu dào yín
háng duì zhàng dān 。
the bank statement
You will receive a monthly bank statement in
the post.
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Dialogue
保罗在银行询问贷款事宜。
bǎo luó zài yín háng xún wèn dài kuǎn shì yí 。
保罗: 您好!我想申请一笔贷款来买船。
nín hǎo !wǒ xiǎng shēn qǐng yī bǐ dài kuǎn lái mǎi chuán
。
银行经理:
好的。我们来看一下……你有一笔大额的透支……
hǎo de 。wǒ men lái kàn yī xià ……nǐ yǒu yī bǐ dà é de
tòu zhī ……
保罗: 是的。我有。是因为我现在没有工作。
shì de 。wǒ yǒu 。shì yīn wéi wǒ xiàn zài méi yǒu gōng
zuò 。
银行经理: 您还有抵押吗?
nín hái yǒu dǐ yā ma ?
保罗: 是的。是这样的。
shì de 。shì zhè yàng de 。
银行经理: 而且五张信用卡都刷到限额了??
ér qiě wǔ zhāng xìn yòng kǎ dōu shuā dào xiàn é le ??
保罗: 是的。
shì de 。
银行经理: 而且你的储蓄账户和活期账户上都没有钱?非常
抱歉,但我不能给你贷款。
ér qiě nǐ de chǔ xù zhàng hù hé huó qī zhàng hù shàng
dōu méi yǒu qián ?fēi cháng bào qiàn ,dàn wǒ bù néng
gěi nǐ dài kuǎn 。
保罗:
好吧。我明白了。您知道有其他的银行可以给我贷款吗?
hǎo ba 。wǒ míng bái le 。nín zhī dào yǒu qí tā de yín
háng kě yǐ gěi wǒ dài kuǎn ma ?
银行经理: 那个……
nà gè ……
Paul is at the bank asking for a loan.
Paul: Hello. I would like to take out a loan please to
buy a boat.
Bank manager: Ok. Let’s take a look.... I see you have
a large overdraft…
Paul: Yes. I have. I need it because I am out of work at
the moment.
Bank manager: You also have a mortgage?
Paul: Yes. That is right.
Bank manager: And 5 credit cards used up to the
limit???
Paul: Yes.
Bank manager: And no money in your savings account
or in your current account??? I am sorry but I cannot
give you a loan.
Paul: Ok. I understand. Do you know of any other bank
that will?
Bank manager: Umm…
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Please choose the correct answer
1. 为什么保罗要申请贷款?
wèi shén me bǎo luó yào shēn qǐng dài kuǎn ?
a. 为了买一辆车。
wèi le mǎi yī liàng chē 。
b. 为了买一条船。
wèi le mǎi yī tiáo chuán 。
c. 为了买一套房子。
wèi le mǎi yī tào fáng zǐ 。
2. 为什么保罗有一笔透支?
wèi shén me bǎo luó yǒu yī bǐ tòu zhī ?
a. 因为他想买一条船。
yīn wéi tā xiǎng mǎi yī tiáo chuán 。
b. 因为他现在没有工作。
yīn wéi tā xiàn zài méi yǒu gōng zuò 。
c. 因为他需要这笔钱来支付汽车。
yīn wéi tā xū yào zhè bǐ qián lái zhī fù qì chē 。
3. 保罗的活期账户和储蓄账户有什么问题?
bǎo luó de huó qī zhàng hù hé chǔ xù zhàng hù yǒu shén me wèn tí ?
a. 他没有活期账户。
tā méi yǒu huó qī zhàng hù 。
b. 他账户上没有钱。
tā zhàng hù shàng méi yǒu qián 。
c. 他没有储蓄账户。
tā méi yǒu chǔ xù zhàng hù 。
Answers: 1(b): 2(b): 3(b)
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