金融英語口語
下面是本站小編整理的金融英語口語，希望對大家有幫助。
金融英語口語：如何彙報你的工作進度
1. How's the project going?
項目進展得怎麼樣?
2. Great! We're way ahead of schedule.
非常好!我們要提前完工了。
3. We're right on target.
我們正按計劃進行。
4. Well, frankly, we're running a little behind.
坦白地說，我們有點落後了。
5. Folks, we're behind the eight-ballin meeting our sales target. Let's speed things up.
兄弟們，我們都快完不成銷售目標了。我們得抓緊啊。
6. It’s 70% done.
已經完成70%了。
7. It'll be completed on time.
會按時完成的。
8. We're halfway there.
我們已經完成一半了。
9. Have the milestones been identified for the new project?
新項目的關鍵活動都已經確定了嗎?
10. What delivery date are we looking at?
什麼時候交貨?
11. There must be no further delays. The drop-dead date/deadline is next Friday's close of business.
不能再推遲了，最後期限是下週五下班的時候。
12. Were approaching the critical point for success or failure of this project.
金融英語口語：幾個描述經濟情況的句子
How can we make the economy more vibrant?
我們怎樣才能使經濟更有活力?
Inflation leads to more unemployment.
通貨膨脹導致更多人失業.
Inflation hurts the poor more than the rich.
通貨膨脹傷害的是窮人而不是富人.
They haven't done anything to stimulate new jobs.
他們沒有做過任何能刺激新的就業機會的事情.
What about inflation?
如果出現通貨膨脹怎麼辦?
We need more jobs.
我們需要更多的就業機會.
We're headed for a recession.
我們正走向衰退.
The trade deficit is getting larger.
貿易赤字越來越大
金融英語口語：Trade Finance
New Words
新單詞
multinational adj.
跨國的
subsidiary adj.
附屬的
irrevocable adj.
不可撤銷的
confirm v.
確認，使有效
circumstances n.
情況，環境
confront v.
面對
Phrases & Expressions
clearing bank
清算銀行
documentary collection
跟單託收
D:Hi, Roy. How are your things going?
馬：嗨，羅伊，近來一切都好嗎?
R:Fine. Everything is going smoothly.
R：好，挺好。一切進展順利。
D:This is Miss Harriet Smith, finance manager of A & P Corporation.
馬：這位是哈里.史密斯先生，A$P公司的財務經理。
This is Mr. Roy Stanford.
這位是羅伊.斯坦福先生。
H:How do you do?
史：您好!
R:How do you do? I work in the international trade and banking division.
斯：您好!我在國際貿易與銀行業務部任職。
As you know, we're very much involved with many large American corporations dealing with international trade.
我們參與許多美國大公司的國際貿易事務。
H:Yeah. That's why I come here this afternoon.
斯：是啊，這正是我今天下午此行的目的。
R:What we're doing is actively and hopefully developing a relationship with large companies including their subsidiaries or branches to ensure that we can provide all services they need.
斯：我們正在積極樂觀地與大公司以及它們的子公司或分支機構建立業務聯繫，以確保我們向他們提供各項服務。
H:Would you please be more specific?
史：請您具體談談。
R:Sure. We handle all types of letters of credit, and also advise if they should be irrevocable,
斯：可以，我們操作各類信用證，並且提供相應的諮詢-例如建議哪些應做不可撤銷信用證，
whether they should be confirmed, whether we would recommend them in certain circumstances.
哪些信用證應確認，有些時候，我還要推薦適當的信用證。
And of course, we deal with documentary collections and so on.
當然，我們也處理單據託收。
H:So your division is to ensure that its customers receive payment for the goods they expect.
史：因此，你們部負責確保客戶及時收到貸款。
R:That's where we can help an exporter like your corporate.
斯：對，是這樣。我們可以在託收貸款方面爲像你們這樣的大公司提供服務。
You see, it can happen any time that an exporter has to wait two or even three years before they are able to obtain their money after they ship goods to a buyer abroad.
你想，有時候，出口商向國外發貨以後，要等到二年，甚至三年以後才能拿到貸款。這樣不愉快的事時有發生。
It could be of any reason. That's why we always hear people say that exporting is easy;
原因可以是各種各樣的，因此我們經常可以聽到這樣的牢騷：出口容易，
it's getting paid that's the hard part.
要錢難。
H:I'm afraid it's the case we sometimes have to confront.
史：恐怕，我們公司也會不時地面臨這種尷尬的局面。
R:But of course, we're not all the time selling a service.
R：當然，我們部並不總是客戶推銷我們的服務。
A lot of the time we give advice and solve problems to our customers.
大部分時間，我們給客戶一些參考意見並幫他們解決實際問題。
H:What's a typical problem that you would expect a customer to come to you about?
史：一般情況下，客戶會帶着什麼問題來向你們諮詢呢?
R:For example, just recently we had one with a contract that was signed to supply some machinery to a company in France.
斯：就拿最近的例子來說吧。我們處理了一個向法國提供機械的合同。
H:What happened? And what role did you play?
史：怎麼啦?你們在其中又扮演了什麼角色?
R:The contract was originally drawn in USD, but the French company was not permitted to cover forward for any length of time.
斯：當初籤合同時，是以美元爲計算單位的。但那家法國公司無權做任何時間範圍內的期貨交易，
They would have to buy the necessary USD to pay the bill.
他們又必須買進一定數目的美元付帳。
H:I see.
史：噢!
R:So we bought currency for the customer and our customer could then work out his price in French francs instead of US dollars.
斯：於是我們爲這家法國客戶買進了美元，這樣他們就可以用法郎而不是美元來計算貨款了。
H:Fine. OK, I think we've covered everything now, haven't we?
史：好，我想我倆已談得很詳盡了。
R:Yes, I think so. It was good of you to see me.
斯：是啊!很高興您來與我們商洽。
H:My pleasure. Thank you for answering me so many questions.
史：我也感到很愉快。謝謝您解答了我不少的疑問。
I'm sure we'll buy your service in the near future.
我敢肯定，不久的將來，我們就要來“買”你們的服務項目了。
R:Thank you.
斯：謝謝。
金融英語口語:TimeDeposit
New Words
新單詞
anxious adj.
擔心的，焦急的
available adj.
可用的，可得到的
option n.
選擇權
maturity n.
(票據等的)到期
emergency n.
緊急
mature v.
到期
Phrases & Expressions
短語
regular savings account
普通儲蓄帳戶
time deposit
定期存款
time certificate of deposit
定期存款單
the stated interest return
規定所歸還的利息
W:Liu Bing, I have two thousand yuan for the cost of this term,
王琳：劉萍，我從家帶來2000元供這一學期的生活費，
enough to last from now until summer vacation.
維持到暑假看來已足夠。
I feel anxious about carrying around such a large sum. What should I do?
帶着這麼多錢我覺得不放心，我該怎麼辦?
[00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.
劉萍：讓我想想。你可以拿其中一半作爲活期存款，另一半作爲定期存款。
W:That's a good idea. Will they earn a similar rate?
王琳：這主意很好。那麼存款利率是否一樣呢?
L:The interest rate for time deposits is much higher than regular savings account.
劉萍：定期存款的利率要比活期存款高得多。
W:How long do I have to keep the money in the account?
王琳：那麼我的定期存款應該多長呢?
L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
劉萍：儲蓄所在在大多數情況下備有三種定期存款，即分三個月，半年和一年。
They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
另外，他們還提供2年，3年，5年或10年的長期定期存款。
W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
王：對我們來說，短期存款合適。是否存款時間越長利率也就越高呢?
L:Yes, of course. It would seem that three month time deposits are the best option for you.
劉：是的，那當然啦。看來對你來說三個月的定期存款是最好的選擇。
W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
王：我同意你的看法，明天咱們倆就去銀行存款。
L:Yes, I want to deposit mine, too.
劉：好，我自己也要去存款。
W:What maturities are the most popular?
王琳：哪一種期限最普遍?
L:Most people use the six or twelve-months plans, of course,
L：大部分人都選用半年或一年的期限。當然啦，
they may renew the certificate on maturity if they wish.
到期後人們還可以續存。
W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
王：假如存款人由於急用要提前取款，那又如何處理呢?他能否把款提出呢?
L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.
劉：當然可以，在必要的情況下可以在到期之前提前取款。
W:What will happen?
王：那情況會怎樣?
L:He just won't receive the stated interest return.
劉：他就不能拿到預先規定的定期利息。
W:What a loss!
王：那真可惜!
L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period.
劉萍：所以你想要獲得較高的利息就不要在到期之前提取存款。
W:Good idea.
王：好主意。
金融英語口語：The History
New Words
新單詞
Babylon n.
巴比倫(古代巴比倫王國首都)
temple n.
廟宇，專供某種活動場所
(the) Renaissance n.
文藝復興，
ancient adj.
古代的
Greece n.
希臘
breakup n.
分裂，崩潰
decline n.
下降，衰落
usury n.
高利貸，高利
illegal adj.
不合法的;非法的
Belgium n.
比利時
function n.
功能，作用
complex adj.
複雜的
especially adv.
特別地
expand v.
擴大
partially adv.
部分地
Venice n.
威尼斯(意大利港市)
semi-public adj.
半公立的
Phrases & Expressions
Roman Empire
羅馬帝國
emerge from
出現，冒出
feudal system
封建體制
Middle Ages
中世紀
bill of exchange
匯票
regulatory function
常規作用
Z:Good afternoon!
張：下午好!
A:Good afternoon!
全體：下午好!
Z:Today I'll introduce something about the history of banking in the west.
張：今天我要講點西方銀行史。
Well, that's very interesting, the earliest banks started in Babylon almost 4 000 years ago.
這是很有意思的，最早的銀行大約是四千年前在巴比倫建立的。
They were really temples which collected deposits and made loans.
實際上，那些銀行只是一種收集存款並進行的放款的場所。
S1:I see, but I had always thought that banking started during the Renaissance in Europe.
學1：我明白了，但我原來一直以爲銀行業務始於歐洲文藝復興時期。
N:No, it was much earlier than that. Then, there were banks in ancient Greece and Rome, too.
周：不，比那個時期早多了。古希臘和羅馬都有許多銀行，
It wasn't until the breakup of the Roman Empire and the decline in trade and commercial transactions that banking lost its previous importance.
直到羅馬帝崩潰和商貿業務的衰落，銀行業才失去了它以往的重要性。
S2:What about the laws against usury during the Middle Ages?
學2：中世紀時，放禁止放高利貸是怎麼回事?
Didn't such laws make it illegal to charge interest on loans?
這些法律沒有規定貸款收取利息是非法的嗎?
Z:Yes, they did, but these laws were gradually changed during the 14th and 15th centuries and banking functions started appearing again in Italy and Belgium and later in France,
周：是的，規定了，但是這些法律在14，15世紀時逐步地改變了，銀行的作用又在意大利和比利時開始出現，後來又在法國，
Germany and England.
德國和英國。
S3:So we can really say that banking restarted during the Renaissance.
學3：所以實際上我們可以說，銀行業在文藝復興時期又重新開始了。
Z:You are right. We can easily see the need for the development of the banks during that period.
張：對的。顯而易見，銀行的發展正是出於那個時期的需要。當歐洲從中世紀封建制度的禁錮中掙脫出來時，
Commercial and financial transactions had once again started to become more complex as Europe emerged from the feudal system of the Middle Ages.
商業和金融交易再一次開始變得複雜起來了。
S4:Could you tell us more in detail?
學4：您能說得再具體些嗎?
Z:Yeah. For one thing, many banks started that way, especially in France and England,
周：是的。一方面很多銀行就是這樣興起的，特別是在法國和英國。
but they gradually expanded their activities to handling deposits and loans,
可是他們逐漸地擴展他們的經營活動，發展到從事儲蓄，貸款，
issuing and trading bills of exchange and even issuing their own notes;
發行和買賣匯票，甚至發行他們自己的貨幣。
for another thing, they started the fractional reserve system which is the central feature of modern banks.
另一方面他們開始建立起部分儲備制度，而這一點正是現代銀行的主要特徵。
S5:When did the idea of central banks get started?
學5：建立中央銀行的想法是什麼時候開始的?
Z:Well, the first bank that was partially owned and controlled by a state government was established in Venice in 1587.
張：哦，第一個由國家政府部分擁有和控制的銀行是1587年在威尼斯建立起來的。
Then, the bank of England appeared. We could call them semi-public.
後來英格蘭銀行出現。我們稱這種銀行爲半公立銀行。
As a matter of fact, the central banks with specific regulatory functions were created in the middle of 19th century. OK, we call it a day.
事實上在19世紀中葉具有明確常規作用的中央銀行已建立起來。好吧!下課。
A:Good-bye!
全：再見!
金融英語口語:SHALL
New Words
新單詞
teller n.
出納員
director n.
主任
collate v.
覈對
shall
用於第二，三人稱表示說話人的許諾
accompany v.
伴隨。陪同
arrange v.
安排
result n.
結果，成果
sharp adv.
正
Phrases & Expressions
短語
accompany us on the piano
用鋼琴給我們伴奏
profit-sharing
得益分配
l I make you a cup of coffee before the interview?
在接見前我給你來一杯咖啡好嗎?
-Yes, thank you very much.
行，非常感謝你。
l I call the teller?
要不要我去把出納員叫來?
-Yes, if she is free, please ask her to come here now.
好，假如她現在有空，請她來一下。
l we wait for the reply today?
3.我們今天能等到答覆嗎?
-Yes, our director says he will reply in half an hour.
能，我們的主任說半個小時之後答覆你們。
l we collate the accounts today?
4.今天我們要覈對帳目嗎?
-Please do it as quickly as possible.
請儘快覈對。
l I ask him?
5.要我去請他嗎?
-Yes, please tell him to join us this evening.
是的，請你告訴他今晚來參加。
l those goods from abroad be sent to you at once?
6.從國外運來的那些貨物要不要馬上送到你們那兒?
-No, that's not necessary. I will come and take a look myself.
沒有必要，我將親自來看一看。
l she sing for us?
7.她能爲我們唱一支歌嗎?
-Yes, why not?
當然可以。
l we ask her to accompany us on the piano?
8.我們去請她給我們用鋼琴伴奏好嗎?
-Yes, piano accompaniment will add a lot to our singing.
是，我們唱歌請她用鋼琴伴奏效果更好。
l we send these old computers to the store?
9.我們要不要把這些陳舊的計算機放到倉庫裏去?
-Sure, please arrange it.
行，請你安排一下。
l I phone you tonight?
10.今天晚上要不要我給你打電話?
-Yes, I'd like to hear the result of the negotiation.
要，我想聽一聽談判的結果。
shall discuss profit-sharing, shan't we?
11.我們將討論利潤分配，是不是?
-Yes, it's very important.
是，這很重要。
's meet at the station, shall we?
12.我們在車站會面，行不行?
-Yes, we'd better meet at six sharp this evening.
行，我們最好今晚6點整在車站見面。
金融英語口語：Money(1)
New Words
新單詞
campus n.
校園
sink v.
使陷入，使沉浸
importance n.
重要性
power n.
力量,權力
gold n.
金
silver n.
銀
coper n.
銅
nickel n.
鎳
aluminium n.
鋁
alloy n.
合金
depict v.
描繪
commemorative adj.
紀念性的
mint v.
鑄造
A:Today is such a fine spring day, let's take a walk after lunch.
A：今天真是美好的春天，陽光明媚。咱們午飯後去散散步吧!
B:Good idea. Let's go now.
B：好，走吧。
A:Do you feel ourselves being sunk bit by bit in a sea of money,
A：你是否有這樣一種態度，我們日復一日地正被浸泡在金錢中，
but we can't earn as much as accountants do.
但我們不可能掙得像會計師那麼多。
B:Yes, but what can we do to make money?
B：是啊，但假如我們要賺錢，那我們該去做什麼呢?
A:I think it's too early to think about it now. There is no one who doesn't like money.
A：我想這個問題現在考慮爲時過早。世上無人不喜歡金錢。
B:Including us.
B：也包括我們。
A :Ha, Ha, Ha, Ha!(laughing)
A：哈，哈，哈，哈!
B:Still in our daily life, I feel the importance of money and we know the power of it and will be dealing with money every day.
B：在日常生活中，我感到金錢的重要性，我們都知道金錢的能量，幾乎天天要同錢打交道。
A:Do you know all the uses of the word 'money'?
A：你知道“money”這個詞的全部用法嗎?
B:No.
B：不知道。
A:Does the word 'money' usually mean the bills we use every day to buy something?
A：“money”這個詞的含意是否指的是我們天天用來買東西的鈔票嗎?
B:Only bills?
B：僅僅是指鈔票嗎?
A:No, money is in two kinds, one is hard currency money and the other is paper.
A：不，貨幣有兩種，硬的貨幣和紙做的貨幣，
The former is called coins, a coin may be made of gold, silver, copper, aluminium...
前者稱爲硬幣，硬幣可由於金，銀，銅，鎳和鋁等金屬鑄成，
usually metals are used as alloy.
一般都用作合金鑄造硬幣。
B:In the museums we can see that Chinese copper money had a long history.
B：在博物館裏我們可以看到中國使用的銅幣具有很悠久的歷史。
A:Yes, the form of them changed. Copper coins were in use until Kuomintang time when the coin became round,
確實如此，但銅幣的形式在過去也在不斷變化，我國的銅幣一直使用到國民黨時代，這時銅幣成了圓形，
rather than having the square hole in the middle as in the Ching and Ming Dynasties.
不再像清明兩代用的銅幣中間留有一個方形空洞。
B:How many kinds of coins were used then?
B：國民黨時代的硬幣有幾種?
A:My grandfather told me that when he was young, there were four kinds:
A：我的祖父告訴我說，在他小的時候當時有4種硬幣流通，
a silver coin called yuan, on which was the head of Yuan Shikai and the other depicted Sun Yat-sen.
第一種是一元的銀幣，上面印鑄有袁世凱的頭像，另一種是印鑄有孫中山的頭像，
The people called them 'Yuan big head' and 'Sun big head' in Chinese.
人們把這兩種硬幣叫作袁大頭和孫大頭。
The second was a 20-cent coin made of silver alloy.
第二種硬幣是兩角的合金銀幣。
The third was a one-cent copper coin and my grandfather told me that he used another kind of copper coin to buy sweets.
第三種是一分錢的銅幣。爺爺還告訴我他當時還用另一種銅幣買糖吃。
B:What was its value?
B：那這種銅幣價值多大?
A:A one-cent copper coin could be exchanged for three copper coins.
A：當時一分銅可兌換三枚“銅板”。
B:How different from today! Nowadays there are six kinds of currency.
B：這同今天我們使用的硬幣大不一樣!今天我國市場上流通的有6種。
The first is the one yuan coin, then fifty-cent piece, ten-cent piece, a five-cent piece,
第一種是一元硬幣，其次是五角硬幣，一角，五分，
two-cent piece and the smallest is the one-cent coin. Only the fifty-cent piece is golden in colour.
二分和最小值的一分硬幣。其中只有五角硬幣呈金黃色。
A:Very well! But have you ever seen other kinds of big round gold coins?
A：很對，但你可見到過另外發行的大而圓的金幣嗎?
B:No, I have not seen them.
B：我還沒有見過。
A:They are commemorative coins, one in honour of the world famous giant pandas,
A：那是紀念幣，一種是世界聞名的大熊貓命名的，
which live only in China, so China minted a Giant Panda Gold Coin.
這種動物僅生活在中國，所以我國專業些鑄造大熊貓金幣。
The other is in honour of the XI Asian Games, China produced this special big gold coin to commemorate the holding of the XI Asian Games in China.
另一種是以十一屆亞運會命名的大金幣，爲紀念該屆亞運會在中國的召開。
It is worth fifty yuan and foreigners collect them.
它值50元人民幣。供外賓收藏。
B:What a pity I haven't seen them!
B：沒有親眼目睹，真可惜!
A:Yes. Few Chinese has interest in these coins.
A：在中國僅有少數人對這兩種金幣發生興趣。
金融英語口語：Money(2)
New Words
新單詞
buck n.
元
greenback n.
美鈔
dough n.
(美俚)錢
assistant n.
售貨員
change n.
找頭，零錢
sovereign adj.
獨立自主的
uncountable adj.
不可數的
mare n.
母馬，牝驢
Phrases & Expressions
短語
public money
公款
tax money
稅款
A:Now let's talk about paper money.
A：現在我們來談談紙幣吧。
B:Yes, paper money can be folded into a wallet. Every country produces its own.
B：好，紙幣可以摺疊放進錢包。每個國家都印製紙幣。
A:Another term for paper money is 'note' or 'banknote', we say a five-yuan note,
A：紙幣的另一種叫法是鈔票，我們一般講一張五元的鈔票，
a twenty-cent note. In American English, 'bill' is another term.
一張兩角的鈔票。美國英語把鈔票叫Bill。美國俚語中叫鈔票的詞更多，
In American slang you may hear 'a hundred dollar bill' or 'a buck' as 'ten bucks' or 'greenback' or 'long green(folding green)' or 'folding money'.
我們到聽到一百元美鈔，一元，十元，以及greenback ，long green(folding green )，folding money等鈔票的各種說法。
B:How complex it is!
B：多複雜啊!
A:Yes, we'd better understand these terms when we deal with Americans.
A：是很複雜，我們在同美國人交往中最好還是要知道這些叫法。
B:What's cash?
B：什麼是現金?
A:Cash is really a common term including everything - currency, coins, paper money.
A：現金是對流通貨幣，硬幣，鈔票的共同叫法。
American people may also say 'dough' for cash. When you use one dollar to buy something worth less than one dollar,
美國人民把錢，現鈔也叫做dough。當你去買小東西不到一美元時，
the assistant will give you change. We always say a dollar note (banknote),
售貨員還將給你攏頭。我們還經常說：一張一美元的鈔票，
a fivepound note, a ten-yuan note.
一張五英鎊的鈔票，一張十元的鈔票。
B:Is every country's monetary unit different?
B：每一國家的貨幣單位是否不一樣?
A:In general, each sovereign state has its own money.
A：一般來說，每一個獨立自主的國家都有自己的貨幣。
B:Does your family have many money?
B：你家是否很有錢?
A:The word 'money' is uncountable, so you'd say 'much money'. My family is the same as yours,
A：“money”這個詞屬不可數名詞，所以得說“much money”表示很有錢。我家同你家一樣，
We are living on salaries, our deposits in the bank are limited.
我們都靠工薪生活，我們在銀行的存款也很有限。
B:Is the word money used in other ways?
B:money這個詞是否還有其他用法?
A:Yes,in many conditions we still use money to show things,
在很多情況下我們仍然用money指很多事情，
for example, 'big money' means a large amount of money; 'good money' means a high salary.
例如，big money表示掙大錢，good money 表示工資很高。
B:Anything else?
B：還有其他用途嗎?
A:When foreigners come to China,the first thing they do is to go to the bank to change American dollars into Chinese money.
A：外國人來中國時第一件事情是到銀行兌換成中國的人民幣。
When we have money left from monthly expenses, we'd better put some in a savings bank.
當我們每月開支後尚有餘款，便把它存入儲蓄所(銀行)。
The problem is many businesses are mostly 'money matters'. So time is money and money is life.
問題在於忙忙碌碌的很多事務主要都同金錢有關，所以便流傳有“時間就是金錢，金錢就是生命”的說道。
Do you know the proverb about money?
你知道這個有關“錢”的諺語嗎?
B:Of course. I know another one:'Money makes the mare go.' Or we say 'Money talks'.
B：當然我知道。我還知道另外一句諺語：“有錢能使鬼推磨”，還有“金錢萬能”。
A:Yes, good. You understand well. You know 'make money' and 'lose money' in business, don't you?
A：對，很好，你知道的也不少。你知道商業上的賺錢和賠錢吧?
B:Can we use money in its plural form?
B：我們能不能把money這個詞用作複數?
A:Yes, but it's not the same word, it's spelled monies or moneys.
A：可以，複數的money寫成monies或moneys ，但其詞意不同，
It means an amount of money, for example, public monies and tax monies.
表示一定量的錢財，例如：公款，稅款。
Anyway, there are many other places for us to use the word 'money'. Let's work on mastering them.
不管怎樣，還有其他很多地方也都用money 來表示。我們多多學習後逐步會掌握它的用法。
金融英語口語：IS
Part One
第一部分
Making Questions
提問
New Words
新單詞
booklet n.
小冊子，手冊
cable n.
電纜，越洋電報
transfer n.
匯兌
original n.
原先的
contract n.
合同
draft n.
草案
assembly n.
裝配
safe n.
保險櫃
deposit n.
存放
quarter n.
季度
Phrases & Expressions
短語和詞組
by cable
通過電報
money order
匯票
post transfer
郵匯
banking terms
銀行術語
day laborer
臨時工
parking place
停車場
this book useful?
1.這本書有用嗎?
-Yes, it is a bank booklet.
是的，這是一本銀行手冊。
the payment by cable or mail?
2.付款用電匯還是郵匯?
-I have no idea, you can call and ask them.
我不知，你可以打電話詢問他們。
the money order from the bank or the post?
3.匯票是由銀行，還是由郵局匯來的?
-It's a post transfer.
是由郵局匯來的。
this the original contract?
4.這是一份原版合同嗎?
-No, it's a copy.
不，這是一份複印本。
this a draft contract for the car assembly plant?
5.這是一份汽車裝配廠的合同草簽樣嗎?
-Yes, we will discuss it at our next meeting.
是的，你的保險櫃只有這把鑰匙。
this the only key to my safe deposit box?
6.這是我的存款保險櫃唯一的一鑰匙嗎?
-Yes, it is the only key to your safe.
是的，你的保險櫃只有這把鑰匙。
this a list of banking terms?
7.這是銀行術語的目錄嗎?
-Yes, it is.
是的。
the weather hot or cold in fall here?
8.秋天這裏的天氣熱還是冷?
-It's usually cool in fall.
這裏秋天的天氣很一般很涼爽。
it difficult to buy the new equipment?
9.買新的設備有困難嗎?
-Yes, we overspent during the second quarter. Maybe in autumn we can manage it.
是的，我們第二季度已經超支：或許到秋天可以考慮購置。
there a good supply of day laborers for our building project?
10.我們的建房工程有足夠的臨時工可以招聘嗎?
-Yes. Just look at the corner of the street. You will find many unemployed farmers who are looking for work.
是的，你看這一張單子的角上，可以招來很多閒散的農民，他們正在尋找工作。
is your homework done, isn't it?
11.這是你已做好的作業，是嗎?
-No, I have finished only the first part.
不，我僅完成了作業的第一部分。
isn't easy to find a parking place, is it?
12.這裏要停車場真不易，是不是?
-No, it isn't easy.
是的，不好找。
金融英語口語：HowtoProcess
New Words
新單詞
concrete adj.
具體的
addition n.
加
subtraction n.
減
multiplication n.
乘
division n.
除
frequently adv.
頻繁地
withdraw v.
取出
formula n.
公式，程式
plus prep.
加
minus prep.
減
compound v.
合成
times n.
倍
divide v.
除
Phrases & Expressions
短語彙
deal with
處理，對付，應付
interest rate
利率
B:(Teacher) Madam, you have just said that our future work deals with numbers, but what concrete work do you mean?
B：老師，你方纔說我們將來的工作是同數目打交道，但你具體指的是什麼工作?
C:Madam, please explain this.
C：老師，請你解釋一下。
A:All right. This is a good question. There are, in general, four processes in accounting:
A：好，這個問題提得好。一般說來，在會計業務中有四個方面，
addition, subtraction, multiplication and division. The most frequently used is addition.
即加，減，乘，除。最頻繁使用的計算是加法。
Every day we have many current accounts, and every account withdraws money or makes some deposits.
每天我們有很多往來帳目，每位帳戶要就是取款，或是存款。
B:When do we use subtraction for current accounts?
B：在往來帳戶中什麼時候要用減法呢?
A:Very simple. When an amount of money is withdrawn, you must subtract this number from the general deposit,
A：很簡單，例如是取款，你就得存款總額中減去取款的數，
then write the new amount of deposit in the account book.
然後在存摺上寫上新的存款總額。
C:How do we use English to say this?
C：那麼我們用英語怎樣說呢?
A:The formulas for addition:7+9=16, 239+145=384. We say 'seven and nine is (or are) sixteen',
A：這裏看兩個算式：7+9=16，239+145=384。第一個算式我們這樣說：seven and nine is (或用are)sixteen，
but in the latter three-digit number, we should use 'plus' instead of 'and',
但在第二個算式中三位數字的加法法則不用and，而用plus，
we say 'two hundred and thirty-nine plus one (a) hundred and forty-five is (or equals) three hundred and eighty-four.'
我們得這樣說：two hundred and thirty-nine plus one (或用a)hundred and forty-five is leaves(或用equals)three hundred and eighty-four。
B:How about subtraction?
B：那減法怎樣說呢?
A:Look at these two formulas:8-5=3, 543-216=327. In the first formula,
A：看這兩個算題：8-5=3 ，543-216=327。第一個算式，
we say 'five from eight leaves (or is) three', or 'eight minus five is three'.
我們說：five from eight leaves(或用is )three ，另一種說法是：eight miuns five is three。
In the latter threedigit number we should use 'minus':
在第二個三位數字算式我們應該用“minus”，
five hundred and forty-three minus two hundred and sixteen equals three hundred and twenty-seven.
我們就得這樣說：five hundred and forty-three minus two hundred and sixteen equals three hundred and twenty-seven。
C:When do we use multiplication and division?
C：什麼時候我們用乘法和除法?
A:Multiplication and division are used to calculate interest rates.
A：乘法，除法用在計算利率。
Every savings deposit compounds the amount of interest.
每一個存款帳本中都包含有利息。
We should use 'times' or 'multiply' to express this. For the simple formula:4*6=24,
這種乘法我們得用times或是multiply 來表示。拿這個4*6=24簡單的算式來說吧，
we can say four sixes are twenty-four, but for the larger numbers, such as 18*243=4374
我們說four sixes are twenty-four ，但在大數目中，如18*243=4372，
we say eighteen times two hundred and fortythree makes (or is) four thousand three hundred and seventy-four,
我們就得說：eighteen times two hundred and forty-three makes(或用is)four thousand three hundred and seven-four，
but more formally:18 multiplied by 243 equals 4374.
但一般較正式的用法是：18 multiplied by 243 equals 4374。
B:Is division used in accounting?
B：在會計工作中除法用不用?
A:Well, in big firms, companies, enterprises, joint ventures and others,
A：在大商行，大公司，大企業和聯合企業等大的金融機構內，
sometimes the amount of investments are large,
有時投資的量相當大，
and everyday current accounts are very complex, so all those processes have to be used.
每天的往來帳目又相當複雜，所以這幾種計算法都得用上。
C:Can you give us some examples on division?
C：能不能再給我們舉個例子說說除法?
A:A simple one is 9/3=3, we say three into nine goes three;
A：如簡單的算題9/3=3，我們說：three into nine goes three：
296/8=37, we say two hundred and ninety-six divided by eight equals thirty-seven.
在大多數除法算式中如296/8=37，我們得說two hundred and ninety-six divided by eight equals thirty-seven。
B,C:Thanks a lot, Madam!
B，C：多謝你，老師。
金融英語口語:HAVEHAS
New Words
新單詞
convenientadj.
便利的，方便的
negotiationn.
談判，協商
figurev.
估計，揣測
vacantadj.
空的
positionn.
職位
chaptern.
章，回
detailn.
細節
sectionn.
節
insurancen.
保險
customsn.
關稅，海關
regulationn.
規章，條例
invitationn.
請帖，邀請
Phrases & expressions
短語彙
credit card
信用卡
life insurance
人生保險，人壽保險
Angel Falls
安吉耳瀑布.在委內瑞拉境內，爲世界是高之瀑布。
you ever seen a credit card?
1.你見過信用卡嗎?
-Yes, I have. It's very convenient to use while travelling.
我見過，在旅遊時使用很方便。
she decided yet?
2.她已決定了沒有?
-Yes, she has. Tomorrow she shall start our new business.
她已決定，明天開始新的營業。
you finished the negotiation with the foreigners?
3.你同外商的談判是否已經結束?
-No, not yet. We figure we have two more days of discussion.
還沒有，估計還得討論兩天。
all the vacant positions been filled yet?
4.所有空缺的職位是否已滿了?
-Yes, they have.
是，已滿了。
I explained the first chapter clearly?
5.我是否已很清楚地講了第一章內容?
-Yes, except for a few details in the second section.
挺清楚的，不過第二節內還有些細節有點模糊。
he learned to type in English?
6.他已學會英文打字了嗎?
-No, He hasn't. He has no typewriter.
他還沒有，他自己沒有打字機。
he signed a contract for life insurance?
7.他已簽約進行人壽保險公司了嗎?
-Yes, he has.
是的，他已辦完手續。
all the students gone now?
8.所有學生都走了嗎?
-No. Three girl students remain.
不，還有三位女學生留在那兒。
you ever heard of Angel Falls?
9.你曾聽說過安琪兒大瀑布嗎?
-Yes, I have. It's the highest waterfall in the world.
我聽說過，那是世界上最高的大瀑布。
you read the customs regulations?
10.你看過關稅條例嗎?
-Yes, I have.
我看過。
have never met each other in Beijing before, have you?
11.你們過去在北京從未見過面，是嗎?
-No, we haven't.
是，我們過去從未見過面。
have already got our invitation, haven't you?
12.你們接到我們的邀請沒有?
-Yes, we have got it.
我們已接到邀請。
金融英語口語：DOES
New Words
新單詞
manual adj.
用手操作的
objection n.
反對，異議
invest v.
投資
accountant n.
會計員
portable adj.
手提式的
programming n.
編制的程序
import v.
進口
secretary n.
祕書
Phrases & Expressions
短語彙
electric typewriter
電動打字機
China Institute of Finance and Banking
中國金融學院
traffic accident
交通事故
she use an electric typewriter?
1.她現在用電動打字機嗎?
-No, she uses a manual one.
不，她用一般打字機。
he have any objection to our investing abroad?
他反對我們向國外投資嗎?
-No, he doesn't.
他不反對。
this computer do anything else?
3.這臺計算機還能處理其他工作嗎?
-Yes, it can also make deposit and transfer from any account.
能，它還能處理任何帳目的存款和轉帳。
she like playing maths games?
4.她喜歡玩數學遊戲嗎?
-Yes, she is good at maths, so of course she likes these games.
她喜歡，她數學好，當然樂意玩。
your store have a catalog listing books and their prices?
5.你們書店有沒有售書的目錄和價格表?
-Yes, our accountant keeps it.
有，有我們的會計員那裏。
she happen to remember our days in the China Institute of Finance and Banking?
6.她還能回憶起我們在中國金融學院一起學習的年代嗎?
-No, after the traffic accident she lost much of her memory.
不，自發生車禍後她的記憶力已大大減退了。
a portable typewriter cost much?
7.買一臺手提打字機貴嗎?
-A home-made typewriter costs less than an imported one maybe.
我們國產打字機可能要比進口的便宜。
he like both his subjects?
8.他學的兩門課都喜歡嗎?
-He likes computer programming. He doesn't like accounting.
他喜歡計算機程序編制，而不喜歡會計學。
he live near his school?
9.他就住在學校附近嗎?
-No, He lives a long way from his school.
不，他的家離學校很遠。
Mary leave for school at eight or nine o'clock?
10.瑪麗早上8點還是9點去上學?
-She leaves for school at eight o'clock.
她早上8點鐘去學校。
takes a bus home after class, doesn't he?
11.放學後他乘公共汽車回家，是嗎?
-No. He drives home.
不，他自己開汽車回家。
secretary doesn't live with her family, does she?
12.我們的祕書不同她家裏的人住在一起，是不是?
-Yes, she does.
不，她同她的家人住在一起
金融英語口語：DO
New Words
新單詞
agenda n.
議事日程
term n.
條款
agreement n.
協議
account n.
帳戶
bonus n.
獎金，紅利
payment n.
支付，付款
duplicate n.
副本，複印本，抄件
manager n.
經理
tourist n.
施行者，觀光者
sightseeing n.
觀光，遊覽
Phrases & Expressions
短語
resident student
住宿生
they leave home at seven o'clock in the morning?
1.他們是否早晨7點鐘離開家?
-Yes, they do.
是，他們7點走。
we still have time to discuss the agenda for our meeting?
2.我們是否還有時間討論我們會議的議事日程?
-No, I have a meeting now. Let's do it tomorrow morning.
現在不行，我有會議。明天上午我們再討論吧。
I need to bring "the Terms of the Agreement" to the meeting?
3.我需要把協議條款帶去開會嗎?
-Yes, we need it.
是，會上要用。
you want to close the old account and open a new one?
4.你要不要把舊結帳清後再開一個新帳戶?
-Please wait until next month to make the change.
請等到下一個月再換吧。
they want to change the date of payment?
5.他們是否要改變支付的日期?
-Yes, they want it changed to next month.
是的，他們提出到下一個月再支付。
we have a bigger bonus than last year?
6.我們今年的獎金是否要比去年多?
-Yes, our business has done really well.
是，我們買賣興隆。
resident students have much time to study?
7.住宿生是否有更多的時間學習?
-Of course, they can study every evening.
當然啦，他們每天晚上都可以學習。
you need a duplicate?
8.你要複印件嗎?
-Yes, a duplicate copy is enough.
是，你給我複印一份就行。
you like my new shoes?
9.你喜歡我這雙新鞋嗎?
-Oh, yes. Aren't they smart!
是啊!真漂亮!
you like your manager?
10.你喜歡你們的經理嗎?
-Yes. He is nice and kind.
是的，他是一位好經理，又很善良。
don't like accounting, do you?
11.你不喜歡學會計，是嗎?
-Yes, I do. It's my favourite subject.
不，我喜歡學，那是我很喜歡的課目。
tourists come to Beijing, don't they?
12.很多旅遊者都到北京來玩，是嗎?
-Yes, more and more tourists come here for sightseeing.
是的，來北京觀光的人越來越多。
金融英語口語：Digits or Numbers
Part Two
Situation Dialogues
New Words
新單詞
number n.
數目
digit n.
數字
Phrases & Expressions
短語彙
be interested in
在...感興趣，愛好....
even number
偶數
odd number
奇數
cardinal number
基數
ordinal number
序數
A:Are you interested in accounting?
A：你對會計感興趣嗎?
B:Not very much. I hope little by little it gets better.
B：不太感興趣，我希望能逐步對會計有好感。
A:We will.
A：我們一定會的。
B:Maybe you can help me. What is the difference between a number and a digit?
B：或許你能幫助我解答一個問題。你說數字和數目之間有什麼差別?
A:Ah, that's easy. For example, a number like 237 865 contains six digits,
A:啊，這是很容易。舉例說吧，在一個數目237 865裏有6個數字組成，
so several digits make up a number over ten.
因此一個十以上的數目是由幾個數字組成的。
B:Which term is used more often?
B：這兩個詞中哪一個用途更廣?
A:The word 'number' is more widely used. For example, you'd say 'even number',
A：數目“(數)這個詞用處更廣泛。例如，我們常說“偶數“，
'old number', 'cardinal number', 'ordinal number', a known number or an unknown number.
‘奇數’，‘基數’，‘序數’，已知數或未知數。
B:How else is this word used?
B：數個詞另外還有那種用途?
A:For instance, my home telephone number is 62028431 and my home address is No.346 Beijing Road.
A：比如我的家裏電話號碼是62028431，我的地址是北京路346號。
Our classroom is 253.
我們的教室是253號。
B:Where do we use 'digits' most often?
B：“數字”在哪兒用得最多?
A:In mathematics or in computer science. All of us will have a special course to learn.
A：在數學和計算機科學有用得最多。我們不久就要學這門課程。
B:Yes. Banks today have computers to process everyday accounts.
B：是的，現在銀行裏都用計算機處理每天的來往賬目。
A:We might say, the day of the abacus is gone.
A：我們可以說，算盤的時代已經過去了。
B:But I am interested in using an abacus.
B：可我對打算盤還是很感興趣。
A:So am I. Using an abacus is still a basic accounting.
A：我也一樣，打算盤仍然是會計的基本技能。
An abacus is also a counting machine, using our brain and our fingers.
算盤也是一臺計數器，用我們的頭腦和手指來操作。
B:Digits will be the main things we cope with in the future.
B：我們將來天天打交道的主要東西是數字。
A:Yes, digits are numbers from 1-0, ten elements - one, two, three, four, five, six, seven, eight,
A：是的，數字是從1到0之間的數。共有10個：1，2，3，4，5，6，7，8，
nine and 0. For example, 2432079, We read:two, four, three, two, ou (or zero), seven nine.
9和0。例如243207，我們就可按次序往下讀。
B:Thanks for teaching me so much!
B:謝謝你，教了我不少。
A:My pleasure.
A：很高興同你談談，不用謝
金融英語口語：DID
New Words
新單詞
annual adj.
每年的，年度的
banquet n.
正式大宴會
credit n.
信貸
total v.
計算...的總數;總數達
chamber n.
會議廳
invoice n.
發票
record v.
記錄，記載
guarantee n.
保證
Phrases & Expressions
短語
interest-free loan
無息貸款
the International Chamber of Commerce (ICC)
國際商會
the International Trade Organization Building
國際貿易組織大廈
you use to rise early in the morning?
1.你過去習慣早上起得很早嗎?
-Yes, every morning, after exercising I would always read some English.
是的，我每天早上鍛鍊身體後還讀點英語。
they all attend the annual banquet?
2.他們大家都參加了年會宴席嗎?
-Yes, they all went to the banquet.
是的，他們大家都去了。
they promise to give us credit?
3.他們答應給我們信貸嗎?
-Yes, they did.
他們已答應給我們信貸。
they promise an interest-free loan?
4.他們答應給我們一筆無息貸款嗎?
-Yes, they did.
是的，他們已答應了。
she visit the International Chamber of Commerce?
5.她去國際商會參觀過嗎?
-Yes, she went there once a week.
去，她當時每週去一次。
you total the invoices?
6.你把發票都統計了嗎?
-Yes, I've totalled them.
是，我已全部統計完畢。
our manager visit the International Trade Organization Building in New York City last month?
7.我們經理上個月去紐約時參觀過國際貿易大廈嗎?
-I have no idea whether he went there or not.
我不知道他是否已去參加過。
he copy the company report to take home?
8.他已複印一份公司報告拿回家了嗎?
-Yes, he did.
是的。
you record the figures from the computer?
9.你從計算機上把各種數據記錄下來沒有?
-Yes, I put them in my notebook.
我已記在我的小本子上了。
the foreign company give us the letter of guarantee?
10.外國公司是否已給了我們保證書?
-No, they said they would send it to us.
還沒有，他們說他們將寄給我們。
accounting department told us the net profit, didn't it?
11.會計部門已把純利潤告訴了我們。是嗎?
-Yes, it did.
是的，他們已告訴我們了。
didn't go to the concert last night, did she?
12.瑪麗昨晚沒有去聽音樂會，是不是?
-No, she didn't.
是的，她沒有去。
金融英語口語：Current Currencies
New Words
新單詞
oversea(s) adj.
外國的
traveler n.
旅行者
identify v.
鑑定，識別
pence n.
便士
Phrases & Expressions
短語
Hongkong dollar
港元
pound sterling
英鎊
French franc
法國法郎
deutsche mark
德國馬克
foreign exchange rate
外匯匯率
A:Have you seen any foreign currencies?
A：你看到過外幣沒有?
B:I have seen some American dollars.
B：我見到過一些美元。
A:Where?
A：在哪裏見到?
B:My father had a chance to buy a color TV set duty-free in the special store for overseas travelers.
B：我父親有一次在出國人員免稅商店購置一臺彩電時見到的。
A:I see, so your father managed to exchange Chinese money for dollars to buy the set.
我明白了，所以你父親想辦法用人民幣兌換了美元去買彩電。
B:Yes. Are you familiar with foreign paper money?
對的，你對外國人紙幣熟悉嗎?
A:My father is an officer in the Bank of China.
A：我父親在中國銀行是一名官員。
They must learn how to identify the false money from all sorts of foreign banknotes.
他們必須學習識別外國真假紙幣。
B:Can you tell me what some current banknotes are of foreign countries?
B：你能告訴我哪些是流通的外幣嗎?
A:My father said that he most often sees American dollars.
A：我父親說他見得最多的是美金。
When you receive a bank draft with the $2457.12,
當你收到一張銀行匯票，款額爲$2457.12，
you should read two thousand four hundred fifty-seven dollars and twelve cents.
你就得讀作：two thousand four hundred fifty-seven dollars and twelve cents。
B:What is the next in frequency?
B：其次常見的是哪種外幣?
A:Hongkong often we receive some cheques,on which is written:
A：香港元(港元)，我們經常收到一些港元支票，票面上類似這樣的金額：
HK $28 254.48, you'd says:twenty-eight thousand two hundred and fifty-four and forty eight cents.
HK$28 254.48，你就得讀作：twenty-eight thousand two hundred and fifty-four and fortyeight cents。
B:What else has he seen?
你父親還見到過哪些其他外幣?
A:Japanes yen. In this case, we must pay close attention,
A：日元。遇到這種情況，我們必要要注意，
[01:37.28]because in China we use yuan in abbreviation ￥,the same ￥ Japanese use for yen.
中國人民幣代號元￥同日本代號一樣。
For example, on the check you see: J ￥ 21 340 100.00. You'd say:
舉例說：J ￥21 340 100.00 ，你就得說：
twenty-one millon three hundred and forty thousand one hundred Japanese yen.
twenty-one millon three hundred and forty thousand one hundred Japanese yen 。
B:What about English money?
B：英國貨幣是什麼情況?
A:The formal term for England is the United Kingdom. The currency is the pound sterling,
A：英國的正式稱呼是聯合王國。它的貨幣是英磅，
abbreviated like: ￡or Stg. For example, for ￡ 3044.50, you'd say:
縮寫的符號是：￡或stg.舉例說：￡3 044.50，你就得讀作：
three thousand and forty-four pounds and fifty pence.
three thousans and forty-four pounds and fifty pence。
B:The French franc and the deutsche mark are also in use between countries, aren't they?
法國的法朗和德國的馬克在國際間也流通，是嗎?
A:There are at least two kinds of Francs:French and Swiss.
法朗至少有兩種，法國法朗和瑞士法朗，
They have no special sign, but an abbreviation, for example: FF. 53 000,
他們沒有專門的代號，但有縮寫詞如：FF.5300，
you'd know this is French franc. You'd say fifty-three thousand French francs.
讀作法國法朗，fifty-three thousand French Francs。
When you see the abbreviation SFRS, you'd know this is Swiss Franc:such as,
當你見到SFRS的縮寫詞，這是瑞士法朗，例如：
SFRS 21 400, you'd say twenty-one thousand four hundred Swiss Francs.
SFRS 21 400，你讀作twnety-one thousand four hundred Swiss Francs 。
B:Now, I understand.
B：我現在明白了。
A:As for mark, this means mainly the deutsche mark, for example,
A：馬克，主要指的是德國馬克，例如，
Dm 63 308.50, we say sixty-three thousand three hundred and eight and a half deutsche marks.
DM 63 308.50，我們讀作sixty-three thousand three hundred and eight and a half deutshe mark。
All of these are commonly seen in China. If we exchange them for Chinese Renminbi in our accounts we should follow the foreign exchange rates for all these currencies daily.
這些外幣一般在中國能見到。假如我們要把外幣兌換在人民幣，我們就得按每天公佈的外匯率來兌換人民幣。
B:Will you follow in your father's footsteps to become a banker?
B：你想像你父親將來成爲一名銀行家嗎?
A:It's too far away for me to think of!
A：我還遠遠沒有考慮這個問題?
金融英語口語：Bank Performan 1
New Words
新單詞
diagram n.
圖解，圖表
terrific adj.
極妙的
fiscal adj.
財政的
satisfactory adj.
令人滿意的
competitive adj.
競爭的，比賽的
significant adj.
有意義的，有效的
commission n.
佣金
trend n.
趨勢
sensitivity n.
敏感
Phrases & Expressions
bank performance
銀行業績
stockholder equity
股東權益，股東產權
relate to
有關，涉及
base on
把...基於
amount to
合計，總共達
net invest earning
投資淨收益
account for
說明(原因等)
in particular
特別，尤其
E:I'm glad to give you some information about my bank.
愛：很高興能有機會與中國同行談談本行的有關業務狀況。
The diagram in your hand is a copy of our last annual report.
各位手裏拿的正是我公司去年的年度報告。
V:Yes, it gives key figures relating to your bank's activities and financial performance during 1994.
代表：正是，這份報表已列出了1994年度貴行的各項經營業務及財務狀況的關鍵數據。
Dr. Edwards. Would you please first give us a very short description of your performance last year?
愛德華茲博士，您能否用最簡短的話概括一下貴行去年的經營狀況?
E:Fine. As of December 31st 1994, the Northland's ZB Bank Corporation was the sixth largest in USA,
愛：很樂意。到1994年12月31日爲止，本銀行-北方ZB銀行集團，名列美國第六名。
based on stockholders' equity, and the seventh largest based on deposits.
第六名是按照股本產權來統計的。如按銀行存款額來統計，則名列全美國第七。
The bank has more than 980 offices around the world.
目前本銀行有980個辦事處分佈在全球各地。
V:You have an office in Beijing, don't you?
代表：你們在北京也有辦事處吧?
E:Yes, that's right. Actually, we have three offices in China.
愛：是啊!在中國我們目前有3個辦事處。
We established our offices first in Beijing, then in Shanghai and in Guangzhou.
第一個我們設在北京，接着在上海及廣州也設立了辦事處。
We're thinking of opening another two in Tianjin and Suzhou next year.
我們正考慮明年在天津和蘇州各設一個辦事處。
V:That's terrific. I'm from Suzhou, which is developing rapidly.
代表：太巧了。我是蘇州人。蘇州發展非常快速。
E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
愛：真的啊!我希望我們能抽出空談談蘇州的金融狀況。
V:I'd like to if I can be of any help.
代表：能對您有用的話，我很樂意的。
E:Now, let's begin with income of our bank last year.
愛：現在我來說說本行去年的收益狀況。
V:Your total group income in 1994 amounted to one hundred and fifty-five million US dollars compared with one hundred and thirty-five million US dollars for fiscal 1993.
代表：貴行1994年總收入爲1.55億美元,而1993年則爲1.35億美元，
That's an increase of...
增長了....
E:Of nearly fifteen per cent over the year before last,
E：差不多增長了15%，
a rate of increase slightly above that of recent years.
是最近幾年增長率較高的一年。
V:Your net interest earning at the end of 1994 reached ninetynine million dollars.
代表：你們1994年底投資收益達到9 900萬美元。
E:That's exact good news for us. In the financial year 1994,
愛：對我們來說，是相當令人振奮的。在1994年這個財政年度裏，
interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million.
利益收入達到6.15億美元,而支付的利息爲5.16億美元。
V:So, that's almost ten per cent up over the 1993 figure.
代表：這樣說來，這個數目比1993年增長了約10%。
E:Yes, the net interest income is pretty satisfactory indeed,
愛：是呀，這個淨利潤令我們非常滿意，
in what is, as you know, an intensely competitive market.
正如大家所知道的那樣，這是個競爭非常激烈的市場。
V:Oh, you also achieved a significant increase in non-interest income.
代表：噢，你們在非利息收入這一塊也獲得了很大的收益。
E:Yes, our non-interest income increases from forty-six million in 1993 to fifty-six million dollars at the end of the fiscal year 1994.
愛：是啊，我們的非利息收入從1993年的4600萬美元增長到1994年底的5 600萬美元。
You know, a part of the bank's policy is to limit dependence on net interest as a source of income and to develop its fee and commission earning activities.
大家都知道，本行的政策之一就是不僅僅是依靠貸款獲利，更重要的是應當通過其它方式，如賺取服務費，佣金等方式來增加本行的收益。
So 1994 income in this area accounted for a two per cent higher contribution to total income than was the case in 1993.
因此，與1993年相比，這部分的收益佔本行總收入的比重增長了兩個百分點。
V:Yes, this is really an encouraging trend since the economic environment in general is changing.
代表：對呀。正因爲總的經濟環境在變化，這真是一個令人鼓舞的發展趨勢。
It also shows your response to the sensitivity of interest rates in particular.
銀行利率的升降特別敏感，但貴行卻能調整對策，作出及時的反應。
E:Due to non-interest income of fifty-six million dollars,
愛：由於1994年的非常利息收入有5600萬美元，
our total group income in 1994 was twenty million dollars higher than the pervious financial year.
與1993年相比，我們銀行1994年財政年度的總收入增加了2000萬美元。
金融英語口語：Bank Performan 2
New Words
新單詞
outgoings n.
開支，開銷
provision n.
備付
premises n.
房屋
previous adj.
以前的，先的
illustrate v.
說明闡明
footing n.
合計
allocation n.
分配
reserve n.
儲備金
Phrases & Expressions
fee-generating activities
增加費用的活動
leased assets
租賃資產
in addition
另外
E:We've seen the income before our coffee break; now let's look at the outgoings.
愛：我們在喝咖啡休息以前看到了本行的收益情況，現在再來看看支出情況。
V:What is the largest amount of money you spent in 1994?
代表：那麼貴行1994年最大的支出項目是什麼呢?
E:Obviously, the largest of these is staff costs.
愛：很明顯，支出中最大的一塊是員工開銷。
It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at the end of 1994.
1993財政年度爲500美元，到1994年底，就增長到6500萬美元，
It covers forty-two per cent in the total group outgoings.
佔了總支出的42%。
V:Why is the increase as large as eighteen per cent?
代表：爲什麼這部分支出的增長率高達18%呢?
E:It is partly because of the increase in staff numbers required to deal with the expansion of the bank's fee-generating activities which I have just mentioned in the income section.
愛：這一方面是由於增加了職工人數，用於從事前面我所提到的增加服務佣金等工作。
V:How about doubtful debt provision and depreciation?
代表：那麼壞帳充資金和折舊費用呢?
E:Provisions for doubtful debts amounted to eight million dollars,
愛：壞帳抵充資金高達800萬美元，
an increase of sixty per cent;
增長了60% 。
while depreciation on leased assets and on premises and equipment decreased from sixteen million dollars to fifteen million dollars.
而租賃資產的折舊費以及營業大樓。設備的折舊費則從1 600萬美元降至1500美元。
V:Is depreciation calculated on a straight line basis?
代表：折舊費是採用直線折舊法來計算的嗎?
E:Yes, that' how we calculate depreciation.
愛：是的，我們就是按照直線折舊法來算的。
V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts and depreciation,
代表：除去員工費用最大的一塊支出，以及壞帳準備金及折舊費之外，
how about expenses, on tax, dividends?
其它，如納稅和股票支出情況呢?
E:Tax, not much to say really. We paid five million dollars more than in 1993.
愛：稅，真的不必多說。1994年這一財政年度，我們比1993年多交納稅多500萬美元，
That is, we paid up to twenty-five million dollars in the financial year of 1994.
即達2 500萬美元。
As for dividends paid to our shareholders,
我們支付給股東們的股息，
they remained unchanged over the previous fiscal year at five million dollars.
則與1993年底持平，均爲500 萬美。
V:How so?
代表：就這麼多?
E:Because the major part of the year's profit was retained to expand our consolidated capital base.
愛：因爲我們決定保留1994年度大部分利潤來擴大我行的合併資本。
This was the first year in which our balance sheet footings passed the three billion dollars mark.
1994年是我們的資產負債表上累計超過30億美元的第一年。
V:In addition, is there any sharp increase in other costs?
代表：除此以外，其它費用還有哪些部分增長迅速嗎?
E:No. On the contrary, other expenses increased by only a little under seventeen per cent.
愛：沒有了。相對說來，其它費用只增長了一點點，不到17%。
That's the smallest annual increase since 1989.
這是1989年以來支出年度增長最少的一年。
Personally, I think it illustrates our determination to bring costs under control.
我個人的看法是：以上這些數字表明我們控制費用增長額度的決心。
V:What's your yearly profit after paying dividends to shareholders?
代表：扣除股東的股息，貴行的年利潤有多少?
E:After allocation of the dividends, there remained a net undistributed balance for the year of nine million dollars.
愛：支付完股東的股息後，剩下的非分配利潤有900萬美元，
The total amount was transferred to reserves to cover unexpected events.
用作應付特別緊急的需要的儲備金。
V:So as your annual report indicates, all this adds up to total group outgoings of one hundred and fifty-five million dollars.
代表：所以說，正如你們的年度報表寫明的，貴行支出總額爲1.55億美元。
E:Yes,the figure of total group outgoings exactly balances out with the total income.
愛：對，這部分支出額與總收入相平衡。
V:Now, we have a clearer picture of the source of income and the application of income for your bank in 1994 compared with 1993.
代表：到現在爲止，我們對貴行1994年度的收入及其使用情況，以及與1993年的對比情況，都有了清晰的瞭解。
金融英語口語：ARE
New Words
新單詞
absent adj.
缺席，不在
loan n.
貸款
abacus n.
算盤
competition n.
比賽，競爭
adjustment n.
調整，調節
grain n.
穀物
encourage v.
促進，鼓勵
agricultural adj.
農業的
review v.
複習
accounting n.
會計學
principle n.
原理，原則
Phrases & Expressions
短語
the Department of International Finance
國際金融系
duty free
免稅
all students of the Department of International Finance here?
國際金融系的學生是否都到了?
-No, some are absent.
不，還有幾位沒有到。
all these goods duty free?
這些商品是否都免稅?
-No, only half of them are.
不，其中一半是免稅的。
there any other opinions?
還有其他意見嗎?
-No, there aren't. We all agree on foreign loans.
沒有了，我們都同意通過外資借款。
the students ready now, Ma Ling?
4.馬林，學生都準備好了沒有?
-Yes, we can start the abacus competition.
都準備好了，現在可以開始珠算比賽。
Sam and Ann in high school or in college?
5.薩姆和安是在中學還是在大學裏學習?
-They are both in college?
他們都在大學裏學習。
you feeling more at home in your new job?
6.新工作讓你感到挺輕鬆嗎?
-Yes, I am. Sometimes there are problems, though.
是，不過有時還會遇到一些困難。
we going to see an adjustment in the grain price?
7.糧食價格是否還會上調?
-Yes, we will. We hope it will encourage our agricultural production.
會上調，我們希望通過上調鼓勵和促進農業生產。
they reviewing the lessons on accounting principles?
8.他們是否在複習會計原理?
-Yes, they are.
是，他們正在進行復習。
there any oranges in the kitchen?
廚房裏還有橘子嗎?
-No, I'm sorry. There aren't any.
真抱歉，沒有了。
10. Are you leaving for the bus station at nine o'clock?
10.你打算9點鐘去公共汽車站嗎?
-I'm going earlier than that. My bus leaves at nine fifteen.
我要在9點以前走，我那班車9點一刻就要開。
e are some factories in the city, aren't there?
11.這所城市有一些工廠，是嗎?
-Yes, there have been many.
是，這裏已有很多工廠。
are doing your homework tonight, aren't you?
12.你打算今晚做作業，是不是?
-No, I'm not.
不，我不打算在今天晚上做。
