金融英语口语
下面是本站小编整理的金融英语口语，希望对大家有帮助。
金融英语口语：如何汇报你的工作进度
1. How's the project going?
项目进展得怎么样?
2. Great! We're way ahead of schedule.
非常好!我们要提前完工了。
3. We're right on target.
我们正按计划进行。
4. Well, frankly, we're running a little behind.
坦白地说，我们有点落后了。
5. Folks, we're behind the eight-ballin meeting our sales target. Let's speed things up.
兄弟们，我们都快完不成销售目标了。我们得抓紧啊。
6. It’s 70% done.
已经完成70%了。
7. It'll be completed on time.
会按时完成的。
8. We're halfway there.
我们已经完成一半了。
9. Have the milestones been identified for the new project?
新项目的关键活动都已经确定了吗?
10. What delivery date are we looking at?
什么时候交货?
11. There must be no further delays. The drop-dead date/deadline is next Friday's close of business.
不能再推迟了，最后期限是下周五下班的时候。
12. Were approaching the critical point for success or failure of this project.
金融英语口语：几个描述经济情况的句子
How can we make the economy more vibrant?
我们怎样才能使经济更有活力?
Inflation leads to more unemployment.
通货膨胀导致更多人失业.
Inflation hurts the poor more than the rich.
通货膨胀伤害的是穷人而不是富人.
They haven't done anything to stimulate new jobs.
他们没有做过任何能刺激新的就业机会的事情.
What about inflation?
如果出现通货膨胀怎么办?
We need more jobs.
我们需要更多的就业机会.
We're headed for a recession.
我们正走向衰退.
The trade deficit is getting larger.
贸易赤字越来越大
金融英语口语：Trade Finance
New Words
新单词
multinational adj.
跨国的
subsidiary adj.
附属的
irrevocable adj.
不可撤销的
confirm v.
确认，使有效
circumstances n.
情况，环境
confront v.
面对
Phrases & Expressions
clearing bank
清算银行
documentary collection
跟单托收
D:Hi, Roy. How are your things going?
马：嗨，罗伊，近来一切都好吗?
R:Fine. Everything is going smoothly.
R：好，挺好。一切进展顺利。
D:This is Miss Harriet Smith, finance manager of A & P Corporation.
马：这位是哈里.史密斯先生，A$P公司的财务经理。
This is Mr. Roy Stanford.
这位是罗伊.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!我在国际贸易与银行业务部任职。
As you know, we're very much involved with many large American corporations dealing with international trade.
我们参与许多美国大公司的国际贸易事务。
H:Yeah. That's why I come here this afternoon.
斯：是啊，这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：我们正在积极乐观地与大公司以及它们的子公司或分支机构建立业务联系，以确保我们向他们提供各项服务。
H:Would you please be more specific?
史：请您具体谈谈。
R:Sure. We handle all types of letters of credit, and also advise if they should be irrevocable,
斯：可以，我们操作各类信用证，并且提供相应的咨询-例如建议哪些应做不可撤销信用证，
whether they should be confirmed, whether we would recommend them in certain circumstances.
哪些信用证应确认，有些时候，我还要推荐适当的信用证。
And of course, we deal with documentary collections and so on.
当然，我们也处理单据托收。
H:So your division is to ensure that its customers receive payment for the goods they expect.
史：因此，你们部负责确保客户及时收到贷款。
R:That's where we can help an exporter like your corporate.
斯：对，是这样。我们可以在托收贷款方面为像你们这样的大公司提供服务。
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，有时候，出口商向国外发货以后，要等到二年，甚至三年以后才能拿到贷款。这样不愉快的事时有发生。
It could be of any reason. That's why we always hear people say that exporting is easy;
原因可以是各种各样的，因此我们经常可以听到这样的牢骚：出口容易，
it's getting paid that's the hard part.
要钱难。
H:I'm afraid it's the case we sometimes have to confront.
史：恐怕，我们公司也会不时地面临这种尴尬的局面。
R:But of course, we're not all the time selling a service.
R：当然，我们部并不总是客户推销我们的服务。
A lot of the time we give advice and solve problems to our customers.
大部分时间，我们给客户一些参考意见并帮他们解决实际问题。
H:What's a typical problem that you would expect a customer to come to you about?
史：一般情况下，客户会带着什么问题来向你们咨询呢?
R:For example, just recently we had one with a contract that was signed to supply some machinery to a company in France.
斯：就拿最近的例子来说吧。我们处理了一个向法国提供机械的合同。
H:What happened? And what role did you play?
史：怎么啦?你们在其中又扮演了什么角色?
R:The contract was originally drawn in USD, but the French company was not permitted to cover forward for any length of time.
斯：当初签合同时，是以美元为计算单位的。但那家法国公司无权做任何时间范围内的期货交易，
They would have to buy the necessary USD to pay the bill.
他们又必须买进一定数目的美元付帐。
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：于是我们为这家法国客户买进了美元，这样他们就可以用法郎而不是美元来计算货款了。
H:Fine. OK, I think we've covered everything now, haven't we?
史：好，我想我俩已谈得很详尽了。
R:Yes, I think so. It was good of you to see me.
斯：是啊!很高兴您来与我们商洽。
H:My pleasure. Thank you for answering me so many questions.
史：我也感到很愉快。谢谢您解答了我不少的疑问。
I'm sure we'll buy your service in the near future.
我敢肯定，不久的将来，我们就要来“买”你们的服务项目了。
R:Thank you.
斯：谢谢。
金融英语口语:TimeDeposit
New Words
新单词
anxious adj.
担心的，焦急的
available adj.
可用的，可得到的
option n.
选择权
maturity n.
(票据等的)到期
emergency n.
紧急
mature v.
到期
Phrases & Expressions
短语
regular savings account
普通储蓄帐户
time deposit
定期存款
time certificate of deposit
定期存款单
the stated interest return
规定所归还的利息
W:Liu Bing, I have two thousand yuan for the cost of this term,
王琳：刘萍，我从家带来2000元供这一学期的生活费，
enough to last from now until summer vacation.
维持到暑假看来已足够。
I feel anxious about carrying around such a large sum. What should I do?
带着这么多钱我觉得不放心，我该怎么办?
[00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.
刘萍：让我想想。你可以拿其中一半作为活期存款，另一半作为定期存款。
W:That's a good idea. Will they earn a similar rate?
王琳：这主意很好。那么存款利率是否一样呢?
L:The interest rate for time deposits is much higher than regular savings account.
刘萍：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：那么我的定期存款应该多长呢?
L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
刘萍：储蓄所在在大多数情况下备有三种定期存款，即分三个月，半年和一年。
They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
另外，他们还提供2年，3年，5年或10年的长期定期存款。
W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
王：对我们来说，短期存款合适。是否存款时间越长利率也就越高呢?
L:Yes, of course. It would seem that three month time deposits are the best option for you.
刘：是的，那当然啦。看来对你来说三个月的定期存款是最好的选择。
W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
王：我同意你的看法，明天咱们俩就去银行存款。
L:Yes, I want to deposit mine, too.
刘：好，我自己也要去存款。
W:What maturities are the most popular?
王琳：哪一种期限最普遍?
L:Most people use the six or twelve-months plans, of course,
L：大部分人都选用半年或一年的期限。当然啦，
they may renew the certificate on maturity if they wish.
到期后人们还可以续存。
W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
王：假如存款人由于急用要提前取款，那又如何处理呢?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.
刘：当然可以，在必要的情况下可以在到期之前提前取款。
W:What will happen?
王：那情况会怎样?
L:He just won't receive the stated interest return.
刘：他就不能拿到预先规定的定期利息。
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.
刘萍：所以你想要获得较高的利息就不要在到期之前提取存款。
W:Good idea.
王：好主意。
金融英语口语：The History
New Words
新单词
Babylon n.
巴比伦(古代巴比伦王国首都)
temple n.
庙宇，专供某种活动场所
(the) Renaissance n.
文艺复兴，
ancient adj.
古代的
Greece n.
希腊
breakup n.
分裂，崩溃
decline n.
下降，衰落
usury n.
高利贷，高利
illegal adj.
不合法的;非法的
Belgium n.
比利时
function n.
功能，作用
complex adj.
复杂的
especially adv.
特别地
expand v.
扩大
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
罗马帝国
emerge from
出现，冒出
feudal system
封建体制
Middle Ages
中世纪
bill of exchange
汇票
regulatory function
常规作用
Z:Good afternoon!
张：下午好!
A:Good afternoon!
全体：下午好!
Z:Today I'll introduce something about the history of banking in the west.
张：今天我要讲点西方银行史。
Well, that's very interesting, the earliest banks started in Babylon almost 4 000 years ago.
这是很有意思的，最早的银行大约是四千年前在巴比伦建立的。
They were really temples which collected deposits and made loans.
实际上，那些银行只是一种收集存款并进行的放款的场所。
S1:I see, but I had always thought that banking started during the Renaissance in Europe.
学1：我明白了，但我原来一直以为银行业务始于欧洲文艺复兴时期。
N:No, it was much earlier than that. Then, there were banks in ancient Greece and Rome, too.
周：不，比那个时期早多了。古希腊和罗马都有许多银行，
It wasn't until the breakup of the Roman Empire and the decline in trade and commercial transactions that banking lost its previous importance.
直到罗马帝崩溃和商贸业务的衰落，银行业才失去了它以往的重要性。
S2:What about the laws against usury during the Middle Ages?
学2：中世纪时，放禁止放高利贷是怎么回事?
Didn't such laws make it illegal to charge interest on loans?
这些法律没有规定贷款收取利息是非法的吗?
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，规定了，但是这些法律在14，15世纪时逐步地改变了，银行的作用又在意大利和比利时开始出现，后来又在法国，
Germany and England.
德国和英国。
S3:So we can really say that banking restarted during the Renaissance.
学3：所以实际上我们可以说，银行业在文艺复兴时期又重新开始了。
Z:You are right. We can easily see the need for the development of the banks during that period.
张：对的。显而易见，银行的发展正是出于那个时期的需要。当欧洲从中世纪封建制度的禁锢中挣脱出来时，
Commercial and financial transactions had once again started to become more complex as Europe emerged from the feudal system of the Middle Ages.
商业和金融交易再一次开始变得复杂起来了。
S4:Could you tell us more in detail?
学4：您能说得再具体些吗?
Z:Yeah. For one thing, many banks started that way, especially in France and England,
周：是的。一方面很多银行就是这样兴起的，特别是在法国和英国。
but they gradually expanded their activities to handling deposits and loans,
可是他们逐渐地扩展他们的经营活动，发展到从事储蓄，贷款，
issuing and trading bills of exchange and even issuing their own notes;
发行和买卖汇票，甚至发行他们自己的货币。
for another thing, they started the fractional reserve system which is the central feature of modern banks.
另一方面他们开始建立起部分储备制度，而这一点正是现代银行的主要特征。
S5:When did the idea of central banks get started?
学5：建立中央银行的想法是什么时候开始的?
Z:Well, the first bank that was partially owned and controlled by a state government was established in Venice in 1587.
张：哦，第一个由国家政府部分拥有和控制的银行是1587年在威尼斯建立起来的。
Then, the bank of England appeared. We could call them semi-public.
后来英格兰银行出现。我们称这种银行为半公立银行。
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.
事实上在19世纪中叶具有明确常规作用的中央银行已建立起来。好吧!下课。
A:Good-bye!
全：再见!
金融英语口语:SHALL
New Words
新单词
teller n.
出纳员
director n.
主任
collate v.
核对
shall
用于第二，三人称表示说话人的许诺
accompany v.
伴随。陪同
arrange v.
安排
result n.
结果，成果
sharp adv.
正
Phrases & Expressions
短语
accompany us on the piano
用钢琴给我们伴奏
profit-sharing
得益分配
l I make you a cup of coffee before the interview?
在接见前我给你来一杯咖啡好吗?
-Yes, thank you very much.
行，非常感谢你。
l I call the teller?
要不要我去把出纳员叫来?
-Yes, if she is free, please ask her to come here now.
好，假如她现在有空，请她来一下。
l we wait for the reply today?
3.我们今天能等到答复吗?
-Yes, our director says he will reply in half an hour.
能，我们的主任说半个小时之后答复你们。
l we collate the accounts today?
4.今天我们要核对帐目吗?
-Please do it as quickly as possible.
请尽快核对。
l I ask him?
5.要我去请他吗?
-Yes, please tell him to join us this evening.
是的，请你告诉他今晚来参加。
l those goods from abroad be sent to you at once?
6.从国外运来的那些货物要不要马上送到你们那儿?
-No, that's not necessary. I will come and take a look myself.
没有必要，我将亲自来看一看。
l she sing for us?
7.她能为我们唱一支歌吗?
-Yes, why not?
当然可以。
l we ask her to accompany us on the piano?
8.我们去请她给我们用钢琴伴奏好吗?
-Yes, piano accompaniment will add a lot to our singing.
是，我们唱歌请她用钢琴伴奏效果更好。
l we send these old computers to the store?
9.我们要不要把这些陈旧的计算机放到仓库里去?
-Sure, please arrange it.
行，请你安排一下。
l I phone you tonight?
10.今天晚上要不要我给你打电话?
-Yes, I'd like to hear the result of the negotiation.
要，我想听一听谈判的结果。
shall discuss profit-sharing, shan't we?
11.我们将讨论利润分配，是不是?
-Yes, it's very important.
是，这很重要。
's meet at the station, shall we?
12.我们在车站会面，行不行?
-Yes, we'd better meet at six sharp this evening.
行，我们最好今晚6点整在车站见面。
金融英语口语：Money(1)
New Words
新单词
campus n.
校园
sink v.
使陷入，使沉浸
importance n.
重要性
power n.
力量,权力
gold n.
金
silver n.
银
coper n.
铜
nickel n.
镍
aluminium n.
铝
alloy n.
合金
depict v.
描绘
commemorative adj.
纪念性的
mint v.
铸造
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，阳光明媚。咱们午饭后去散散步吧!
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：你是否有这样一种态度，我们日复一日地正被浸泡在金钱中，
but we can't earn as much as accountants do.
但我们不可能挣得像会计师那么多。
B:Yes, but what can we do to make money?
B：是啊，但假如我们要赚钱，那我们该去做什么呢?
A:I think it's too early to think about it now. There is no one who doesn't like money.
A：我想这个问题现在考虑为时过早。世上无人不喜欢金钱。
B:Including us.
B：也包括我们。
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，我感到金钱的重要性，我们都知道金钱的能量，几乎天天要同钱打交道。
A:Do you know all the uses of the word 'money'?
A：你知道“money”这个词的全部用法吗?
B:No.
B：不知道。
A:Does the word 'money' usually mean the bills we use every day to buy something?
A：“money”这个词的含意是否指的是我们天天用来买东西的钞票吗?
B:Only bills?
B：仅仅是指钞票吗?
A:No, money is in two kinds, one is hard currency money and the other is paper.
A：不，货币有两种，硬的货币和纸做的货币，
The former is called coins, a coin may be made of gold, silver, copper, aluminium...
前者称为硬币，硬币可由于金，银，铜，镍和铝等金属铸成，
usually metals are used as alloy.
一般都用作合金铸造硬币。
B:In the museums we can see that Chinese copper money had a long history.
B：在博物馆里我们可以看到中国使用的铜币具有很悠久的历史。
A:Yes, the form of them changed. Copper coins were in use until Kuomintang time when the coin became round,
确实如此，但铜币的形式在过去也在不断变化，我国的铜币一直使用到国民党时代，这时铜币成了圆形，
rather than having the square hole in the middle as in the Ching and Ming Dynasties.
不再像清明两代用的铜币中间留有一个方形空洞。
B:How many kinds of coins were used then?
B：国民党时代的硬币有几种?
A:My grandfather told me that when he was young, there were four kinds:
A：我的祖父告诉我说，在他小的时候当时有4种硬币流通，
a silver coin called yuan, on which was the head of Yuan Shikai and the other depicted Sun Yat-sen.
第一种是一元的银币，上面印铸有袁世凯的头像，另一种是印铸有孙中山的头像，
The people called them 'Yuan big head' and 'Sun big head' in Chinese.
人们把这两种硬币叫作袁大头和孙大头。
The second was a 20-cent coin made of silver alloy.
第二种硬币是两角的合金银币。
The third was a one-cent copper coin and my grandfather told me that he used another kind of copper coin to buy sweets.
第三种是一分钱的铜币。爷爷还告诉我他当时还用另一种铜币买糖吃。
B:What was its value?
B：那这种铜币价值多大?
A:A one-cent copper coin could be exchanged for three copper coins.
A：当时一分铜可兑换三枚“铜板”。
B:How different from today! Nowadays there are six kinds of currency.
B：这同今天我们使用的硬币大不一样!今天我国市场上流通的有6种。
The first is the one yuan coin, then fifty-cent piece, ten-cent piece, a five-cent piece,
第一种是一元硬币，其次是五角硬币，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币。其中只有五角硬币呈金黄色。
A:Very well! But have you ever seen other kinds of big round gold coins?
A：很对，但你可见到过另外发行的大而圆的金币吗?
B:No, I have not seen them.
B：我还没有见过。
A:They are commemorative coins, one in honour of the world famous giant pandas,
A：那是纪念币，一种是世界闻名的大熊猫命名的，
which live only in China, so China minted a Giant Panda Gold Coin.
这种动物仅生活在中国，所以我国专业些铸造大熊猫金币。
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.
另一种是以十一届亚运会命名的大金币，为纪念该届亚运会在中国的召开。
It is worth fifty yuan and foreigners collect them.
它值50元人民币。供外宾收藏。
B:What a pity I haven't seen them!
B：没有亲眼目睹，真可惜!
A:Yes. Few Chinese has interest in these coins.
A：在中国仅有少数人对这两种金币发生兴趣。
金融英语口语：Money(2)
New Words
新单词
buck n.
元
greenback n.
美钞
dough n.
(美俚)钱
assistant n.
售货员
change n.
找头，散钱
sovereign adj.
独立自主的
uncountable adj.
不可数的
mare n.
母马，牝驴
Phrases & Expressions
短语
public money
公款
tax money
税款
A:Now let's talk about paper money.
A：现在我们来谈谈纸币吧。
B:Yes, paper money can be folded into a wallet. Every country produces its own.
B：好，纸币可以折叠放进钱包。每个国家都印制纸币。
A:Another term for paper money is 'note' or 'banknote', we say a five-yuan note,
A：纸币的另一种叫法是钞票，我们一般讲一张五元的钞票，
a twenty-cent note. In American English, 'bill' is another term.
一张两角的钞票。美国英语把钞票叫Bill。美国俚语中叫钞票的词更多，
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'.
我们到听到一百元美钞，一元，十元，以及greenback ，long green(folding green )，folding money等钞票的各种说法。
B:How complex it is!
B：多复杂啊!
A:Yes, we'd better understand these terms when we deal with Americans.
A：是很复杂，我们在同美国人交往中最好还是要知道这些叫法。
B:What's cash?
B：什么是现金?
A:Cash is really a common term including everything - currency, coins, paper money.
A：现金是对流通货币，硬币，钞票的共同叫法。
American people may also say 'dough' for cash. When you use one dollar to buy something worth less than one dollar,
美国人民把钱，现钞也叫做dough。当你去买小东西不到一美元时，
the assistant will give you change. We always say a dollar note (banknote),
售货员还将给你拢头。我们还经常说：一张一美元的钞票，
a fivepound note, a ten-yuan note.
一张五英镑的钞票，一张十元的钞票。
B:Is every country's monetary unit different?
B：每一国家的货币单位是否不一样?
A:In general, each sovereign state has its own money.
A：一般来说，每一个独立自主的国家都有自己的货币。
B:Does your family have many money?
B：你家是否很有钱?
A:The word 'money' is uncountable, so you'd say 'much money'. My family is the same as yours,
A：“money”这个词属不可数名词，所以得说“much money”表示很有钱。我家同你家一样，
We are living on salaries, our deposits in the bank are limited.
我们都靠工薪生活，我们在银行的存款也很有限。
B:Is the word money used in other ways?
B:money这个词是否还有其他用法?
A:Yes,in many conditions we still use money to show things,
在很多情况下我们仍然用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表示挣大钱，good money 表示工资很高。
B:Anything else?
B：还有其他用途吗?
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：外国人来中国时第一件事情是到银行兑换成中国的人民币。
When we have money left from monthly expenses, we'd better put some in a savings bank.
当我们每月开支后尚有余款，便把它存入储蓄所(银行)。
The problem is many businesses are mostly 'money matters'. So time is money and money is life.
问题在于忙忙碌碌的很多事务主要都同金钱有关，所以便流传有“时间就是金钱，金钱就是生命”的说道。
Do you know the proverb about money?
你知道这个有关“钱”的谚语吗?
B:Of course. I know another one:'Money makes the mare go.' Or we say 'Money talks'.
B：当然我知道。我还知道另外一句谚语：“有钱能使鬼推磨”，还有“金钱万能”。
A:Yes, good. You understand well. You know 'make money' and 'lose money' in business, don't you?
A：对，很好，你知道的也不少。你知道商业上的赚钱和赔钱吧?
B:Can we use money in its plural form?
B：我们能不能把money这个词用作复数?
A:Yes, but it's not the same word, it's spelled monies or moneys.
A：可以，复数的money写成monies或moneys ，但其词意不同，
It means an amount of money, for example, public monies and tax monies.
表示一定量的钱财，例如：公款，税款。
Anyway, there are many other places for us to use the word 'money'. Let's work on mastering them.
不管怎样，还有其他很多地方也都用money 来表示。我们多多学习后逐步会掌握它的用法。
金融英语口语：IS
Part One
第一部分
Making Questions
提问
New Words
新单词
booklet n.
小册子，手册
cable n.
电缆，越洋电报
transfer n.
汇兑
original n.
原先的
contract n.
合同
draft n.
草案
assembly n.
装配
safe n.
保险柜
deposit n.
存放
quarter n.
季度
Phrases & Expressions
短语和词组
by cable
通过电报
money order
汇票
post transfer
邮汇
banking terms
银行术语
day laborer
临时工
parking place
停车场
this book useful?
1.这本书有用吗?
-Yes, it is a bank booklet.
是的，这是一本银行手册。
the payment by cable or mail?
2.付款用电汇还是邮汇?
-I have no idea, you can call and ask them.
我不知，你可以打电话询问他们。
the money order from the bank or the post?
3.汇票是由银行，还是由邮局汇来的?
-It's a post transfer.
是由邮局汇来的。
this the original contract?
4.这是一份原版合同吗?
-No, it's a copy.
不，这是一份复印本。
this a draft contract for the car assembly plant?
5.这是一份汽车装配厂的合同草签样吗?
-Yes, we will discuss it at our next meeting.
是的，你的保险柜只有这把钥匙。
this the only key to my safe deposit box?
6.这是我的存款保险柜唯一的一钥匙吗?
-Yes, it is the only key to your safe.
是的，你的保险柜只有这把钥匙。
this a list of banking terms?
7.这是银行术语的目录吗?
-Yes, it is.
是的。
the weather hot or cold in fall here?
8.秋天这里的天气热还是冷?
-It's usually cool in fall.
这里秋天的天气很一般很凉爽。
it difficult to buy the new equipment?
9.买新的设备有困难吗?
-Yes, we overspent during the second quarter. Maybe in autumn we can manage it.
是的，我们第二季度已经超支：或许到秋天可以考虑购置。
there a good supply of day laborers for our building project?
10.我们的建房工程有足够的临时工可以招聘吗?
-Yes. Just look at the corner of the street. You will find many unemployed farmers who are looking for work.
是的，你看这一张单子的角上，可以招来很多闲散的农民，他们正在寻找工作。
is your homework done, isn't it?
11.这是你已做好的作业，是吗?
-No, I have finished only the first part.
不，我仅完成了作业的第一部分。
isn't easy to find a parking place, is it?
12.这里要停车场真不易，是不是?
-No, it isn't easy.
是的，不好找。
金融英语口语：HowtoProcess
New Words
新单词
concrete adj.
具体的
addition n.
加
subtraction n.
减
multiplication n.
乘
division n.
除
frequently adv.
频繁地
withdraw v.
取出
formula n.
公式，程式
plus prep.
加
minus prep.
减
compound v.
合成
times n.
倍
divide v.
除
Phrases & Expressions
短语汇
deal with
处理，对付，应付
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：老师，你方才说我们将来的工作是同数目打交道，但你具体指的是什么工作?
C:Madam, please explain this.
C：老师，请你解释一下。
A:All right. This is a good question. There are, in general, four processes in accounting:
A：好，这个问题提得好。一般说来，在会计业务中有四个方面，
addition, subtraction, multiplication and division. The most frequently used is addition.
即加，减，乘，除。最频繁使用的计算是加法。
Every day we have many current accounts, and every account withdraws money or makes some deposits.
每天我们有很多往来帐目，每位帐户要就是取款，或是存款。
B:When do we use subtraction for current accounts?
B：在往来帐户中什么时候要用减法呢?
A:Very simple. When an amount of money is withdrawn, you must subtract this number from the general deposit,
A：很简单，例如是取款，你就得存款总额中减去取款的数，
then write the new amount of deposit in the account book.
然后在存折上写上新的存款总额。
C:How do we use English to say this?
C：那么我们用英语怎样说呢?
A:The formulas for addition:7+9=16, 239+145=384. We say 'seven and nine is (or are) sixteen',
A：这里看两个算式：7+9=16，239+145=384。第一个算式我们这样说：seven and nine is (或用are)sixteen，
but in the latter three-digit number, we should use 'plus' instead of 'and',
但在第二个算式中三位数字的加法法则不用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.'
我们得这样说：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：那减法怎样说呢?
A:Look at these two formulas:8-5=3, 543-216=327. In the first formula,
A：看这两个算题：8-5=3 ，543-216=327。第一个算式，
we say 'five from eight leaves (or is) three', or 'eight minus five is three'.
我们说：five from eight leaves(或用is )three ，另一种说法是：eight miuns five is three。
In the latter threedigit number we should use 'minus':
在第二个三位数字算式我们应该用“minus”，
five hundred and forty-three minus two hundred and sixteen equals three hundred and twenty-seven.
我们就得这样说：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：什么时候我们用乘法和除法?
A:Multiplication and division are used to calculate interest rates.
A：乘法，除法用在计算利率。
Every savings deposit compounds the amount of interest.
每一个存款帐本中都包含有利息。
We should use 'times' or 'multiply' to express this. For the simple formula:4*6=24,
这种乘法我们得用times或是multiply 来表示。拿这个4*6=24简单的算式来说吧，
we can say four sixes are twenty-four, but for the larger numbers, such as 18*243=4374
我们说four sixes are twenty-four ，但在大数目中，如18*243=4372，
we say eighteen times two hundred and fortythree makes (or is) four thousand three hundred and seventy-four,
我们就得说：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.
但一般较正式的用法是：18 multiplied by 243 equals 4374。
B:Is division used in accounting?
B：在会计工作中除法用不用?
A:Well, in big firms, companies, enterprises, joint ventures and others,
A：在大商行，大公司，大企业和联合企业等大的金融机构内，
sometimes the amount of investments are large,
有时投资的量相当大，
and everyday current accounts are very complex, so all those processes have to be used.
每天的往来帐目又相当复杂，所以这几种计算法都得用上。
C:Can you give us some examples on division?
C：能不能再给我们举个例子说说除法?
A:A simple one is 9/3=3, we say three into nine goes three;
A：如简单的算题9/3=3，我们说：three into nine goes three：
296/8=37, we say two hundred and ninety-six divided by eight equals thirty-seven.
在大多数除法算式中如296/8=37，我们得说two hundred and ninety-six divided by eight equals thirty-seven。
B,C:Thanks a lot, Madam!
B，C：多谢你，老师。
金融英语口语:HAVEHAS
New Words
新单词
convenientadj.
便利的，方便的
negotiationn.
谈判，协商
figurev.
估计，揣测
vacantadj.
空的
positionn.
职位
chaptern.
章，回
detailn.
细节
sectionn.
节
insurancen.
保险
customsn.
关税，海关
regulationn.
规章，条例
invitationn.
请帖，邀请
Phrases & expressions
短语汇
credit card
信用卡
life insurance
人生保险，人寿保险
Angel Falls
安吉耳瀑布.在委内瑞拉境内，为世界是高之瀑布。
you ever seen a credit card?
1.你见过信用卡吗?
-Yes, I have. It's very convenient to use while travelling.
我见过，在旅游时使用很方便。
she decided yet?
2.她已决定了没有?
-Yes, she has. Tomorrow she shall start our new business.
她已决定，明天开始新的营业。
you finished the negotiation with the foreigners?
3.你同外商的谈判是否已经结束?
-No, not yet. We figure we have two more days of discussion.
还没有，估计还得讨论两天。
all the vacant positions been filled yet?
4.所有空缺的职位是否已满了?
-Yes, they have.
是，已满了。
I explained the first chapter clearly?
5.我是否已很清楚地讲了第一章内容?
-Yes, except for a few details in the second section.
挺清楚的，不过第二节内还有些细节有点模糊。
he learned to type in English?
6.他已学会英文打字了吗?
-No, He hasn't. He has no typewriter.
他还没有，他自己没有打字机。
he signed a contract for life insurance?
7.他已签约进行人寿保险公司了吗?
-Yes, he has.
是的，他已办完手续。
all the students gone now?
8.所有学生都走了吗?
-No. Three girl students remain.
不，还有三位女学生留在那儿。
you ever heard of Angel Falls?
9.你曾听说过安琪儿大瀑布吗?
-Yes, I have. It's the highest waterfall in the world.
我听说过，那是世界上最高的大瀑布。
you read the customs regulations?
10.你看过关税条例吗?
-Yes, I have.
我看过。
have never met each other in Beijing before, have you?
11.你们过去在北京从未见过面，是吗?
-No, we haven't.
是，我们过去从未见过面。
have already got our invitation, haven't you?
12.你们接到我们的邀请没有?
-Yes, we have got it.
我们已接到邀请。
金融英语口语：DOES
New Words
新单词
manual adj.
用手操作的
objection n.
反对，异议
invest v.
投资
accountant n.
会计员
portable adj.
手提式的
programming n.
编制的程序
import v.
进口
secretary n.
秘书
Phrases & Expressions
短语汇
electric typewriter
电动打字机
China Institute of Finance and Banking
中国金融学院
traffic accident
交通事故
she use an electric typewriter?
1.她现在用电动打字机吗?
-No, she uses a manual one.
不，她用一般打字机。
he have any objection to our investing abroad?
他反对我们向国外投资吗?
-No, he doesn't.
他不反对。
this computer do anything else?
3.这台计算机还能处理其他工作吗?
-Yes, it can also make deposit and transfer from any account.
能，它还能处理任何帐目的存款和转帐。
she like playing maths games?
4.她喜欢玩数学游戏吗?
-Yes, she is good at maths, so of course she likes these games.
她喜欢，她数学好，当然乐意玩。
your store have a catalog listing books and their prices?
5.你们书店有没有售书的目录和价格表?
-Yes, our accountant keeps it.
有，有我们的会计员那里。
she happen to remember our days in the China Institute of Finance and Banking?
6.她还能回忆起我们在中国金融学院一起学习的年代吗?
-No, after the traffic accident she lost much of her memory.
不，自发生车祸后她的记忆力已大大减退了。
a portable typewriter cost much?
7.买一台手提打字机贵吗?
-A home-made typewriter costs less than an imported one maybe.
我们国产打字机可能要比进口的便宜。
he like both his subjects?
8.他学的两门课都喜欢吗?
-He likes computer programming. He doesn't like accounting.
他喜欢计算机程序编制，而不喜欢会计学。
he live near his school?
9.他就住在学校附近吗?
-No, He lives a long way from his school.
不，他的家离学校很远。
Mary leave for school at eight or nine o'clock?
10.玛丽早上8点还是9点去上学?
-She leaves for school at eight o'clock.
她早上8点钟去学校。
takes a bus home after class, doesn't he?
11.放学后他乘公共汽车回家，是吗?
-No. He drives home.
不，他自己开汽车回家。
secretary doesn't live with her family, does she?
12.我们的秘书不同她家里的人住在一起，是不是?
-Yes, she does.
不，她同她的家人住在一起
金融英语口语：DO
New Words
新单词
agenda n.
议事日程
term n.
条款
agreement n.
协议
account n.
帐户
bonus n.
奖金，红利
payment n.
支付，付款
duplicate n.
副本，复印本，抄件
manager n.
经理
tourist n.
施行者，观光者
sightseeing n.
观光，游览
Phrases & Expressions
短语
resident student
住宿生
they leave home at seven o'clock in the morning?
1.他们是否早晨7点钟离开家?
-Yes, they do.
是，他们7点走。
we still have time to discuss the agenda for our meeting?
2.我们是否还有时间讨论我们会议的议事日程?
-No, I have a meeting now. Let's do it tomorrow morning.
现在不行，我有会议。明天上午我们再讨论吧。
I need to bring "the Terms of the Agreement" to the meeting?
3.我需要把协议条款带去开会吗?
-Yes, we need it.
是，会上要用。
you want to close the old account and open a new one?
4.你要不要把旧结帐清后再开一个新帐户?
-Please wait until next month to make the change.
请等到下一个月再换吧。
they want to change the date of payment?
5.他们是否要改变支付的日期?
-Yes, they want it changed to next month.
是的，他们提出到下一个月再支付。
we have a bigger bonus than last year?
6.我们今年的奖金是否要比去年多?
-Yes, our business has done really well.
是，我们买卖兴隆。
resident students have much time to study?
7.住宿生是否有更多的时间学习?
-Of course, they can study every evening.
当然啦，他们每天晚上都可以学习。
you need a duplicate?
8.你要复印件吗?
-Yes, a duplicate copy is enough.
是，你给我复印一份就行。
you like my new shoes?
9.你喜欢我这双新鞋吗?
-Oh, yes. Aren't they smart!
是啊!真漂亮!
you like your manager?
10.你喜欢你们的经理吗?
-Yes. He is nice and kind.
是的，他是一位好经理，又很善良。
don't like accounting, do you?
11.你不喜欢学会计，是吗?
-Yes, I do. It's my favourite subject.
不，我喜欢学，那是我很喜欢的课目。
tourists come to Beijing, don't they?
12.很多旅游者都到北京来玩，是吗?
-Yes, more and more tourists come here for sightseeing.
是的，来北京观光的人越来越多。
金融英语口语：Digits or Numbers
Part Two
Situation Dialogues
New Words
新单词
number n.
数目
digit n.
数字
Phrases & Expressions
短语汇
be interested in
在...感兴趣，爱好....
even number
偶数
odd number
奇数
cardinal number
基数
ordinal number
序数
A:Are you interested in accounting?
A：你对会计感兴趣吗?
B:Not very much. I hope little by little it gets better.
B：不太感兴趣，我希望能逐步对会计有好感。
A:We will.
A：我们一定会的。
B:Maybe you can help me. What is the difference between a number and a digit?
B：或许你能帮助我解答一个问题。你说数字和数目之间有什么差别?
A:Ah, that's easy. For example, a number like 237 865 contains six digits,
A:啊，这是很容易。举例说吧，在一个数目237 865里有6个数字组成，
so several digits make up a number over ten.
因此一个十以上的数目是由几个数字组成的。
B:Which term is used more often?
B：这两个词中哪一个用途更广?
A:The word 'number' is more widely used. For example, you'd say 'even number',
A：数目“(数)这个词用处更广泛。例如，我们常说“偶数“，
'old number', 'cardinal number', 'ordinal number', a known number or an unknown number.
‘奇数’，‘基数’，‘序数’，已知数或未知数。
B:How else is this word used?
B：数个词另外还有那种用途?
A:For instance, my home telephone number is 62028431 and my home address is No.346 Beijing Road.
A：比如我的家里电话号码是62028431，我的地址是北京路346号。
Our classroom is 253.
我们的教室是253号。
B:Where do we use 'digits' most often?
B：“数字”在哪儿用得最多?
A:In mathematics or in computer science. All of us will have a special course to learn.
A：在数学和计算机科学有用得最多。我们不久就要学这门课程。
B:Yes. Banks today have computers to process everyday accounts.
B：是的，现在银行里都用计算机处理每天的来往账目。
A:We might say, the day of the abacus is gone.
A：我们可以说，算盘的时代已经过去了。
B:But I am interested in using an abacus.
B：可我对打算盘还是很感兴趣。
A:So am I. Using an abacus is still a basic accounting.
A：我也一样，打算盘仍然是会计的基本技能。
An abacus is also a counting machine, using our brain and our fingers.
算盘也是一台计数器，用我们的头脑和手指来操作。
B:Digits will be the main things we cope with in the future.
B：我们将来天天打交道的主要东西是数字。
A:Yes, digits are numbers from 1-0, ten elements - one, two, three, four, five, six, seven, eight,
A：是的，数字是从1到0之间的数。共有10个：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，我们就可按次序往下读。
B:Thanks for teaching me so much!
B:谢谢你，教了我不少。
A:My pleasure.
A：很高兴同你谈谈，不用谢
金融英语口语：DID
New Words
新单词
annual adj.
每年的，年度的
banquet n.
正式大宴会
credit n.
信贷
total v.
计算...的总数;总数达
chamber n.
会议厅
invoice n.
发票
record v.
记录，记载
guarantee n.
保证
Phrases & Expressions
短语
interest-free loan
无息贷款
the International Chamber of Commerce (ICC)
国际商会
the International Trade Organization Building
国际贸易组织大厦
you use to rise early in the morning?
1.你过去习惯早上起得很早吗?
-Yes, every morning, after exercising I would always read some English.
是的，我每天早上锻炼身体后还读点英语。
they all attend the annual banquet?
2.他们大家都参加了年会宴席吗?
-Yes, they all went to the banquet.
是的，他们大家都去了。
they promise to give us credit?
3.他们答应给我们信贷吗?
-Yes, they did.
他们已答应给我们信贷。
they promise an interest-free loan?
4.他们答应给我们一笔无息贷款吗?
-Yes, they did.
是的，他们已答应了。
she visit the International Chamber of Commerce?
5.她去国际商会参观过吗?
-Yes, she went there once a week.
去，她当时每周去一次。
you total the invoices?
6.你把发票都统计了吗?
-Yes, I've totalled them.
是，我已全部统计完毕。
our manager visit the International Trade Organization Building in New York City last month?
7.我们经理上个月去纽约时参观过国际贸易大厦吗?
-I have no idea whether he went there or not.
我不知道他是否已去参加过。
he copy the company report to take home?
8.他已复印一份公司报告拿回家了吗?
-Yes, he did.
是的。
you record the figures from the computer?
9.你从计算机上把各种数据记录下来没有?
-Yes, I put them in my notebook.
我已记在我的小本子上了。
the foreign company give us the letter of guarantee?
10.外国公司是否已给了我们保证书?
-No, they said they would send it to us.
还没有，他们说他们将寄给我们。
accounting department told us the net profit, didn't it?
11.会计部门已把纯利润告诉了我们。是吗?
-Yes, it did.
是的，他们已告诉我们了。
didn't go to the concert last night, did she?
12.玛丽昨晚没有去听音乐会，是不是?
-No, she didn't.
是的，她没有去。
金融英语口语：Current Currencies
New Words
新单词
oversea(s) adj.
外国的
traveler n.
旅行者
identify v.
鉴定，识别
pence n.
便士
Phrases & Expressions
短语
Hongkong dollar
港元
pound sterling
英镑
French franc
法国法郎
deutsche mark
德国马克
foreign exchange rate
外汇汇率
A:Have you seen any foreign currencies?
A：你看到过外币没有?
B:I have seen some American dollars.
B：我见到过一些美元。
A:Where?
A：在哪里见到?
B:My father had a chance to buy a color TV set duty-free in the special store for overseas travelers.
B：我父亲有一次在出国人员免税商店购置一台彩电时见到的。
A:I see, so your father managed to exchange Chinese money for dollars to buy the set.
我明白了，所以你父亲想办法用人民币兑换了美元去买彩电。
B:Yes. Are you familiar with foreign paper money?
对的，你对外国人纸币熟悉吗?
A:My father is an officer in the Bank of China.
A：我父亲在中国银行是一名官员。
They must learn how to identify the false money from all sorts of foreign banknotes.
他们必须学习识别外国真假纸币。
B:Can you tell me what some current banknotes are of foreign countries?
B：你能告诉我哪些是流通的外币吗?
A:My father said that he most often sees American dollars.
A：我父亲说他见得最多的是美金。
When you receive a bank draft with the $2457.12,
当你收到一张银行汇票，款额为$2457.12，
you should read two thousand four hundred fifty-seven dollars and twelve cents.
你就得读作：two thousand four hundred fifty-seven dollars and twelve cents。
B:What is the next in frequency?
B：其次常见的是哪种外币?
A:Hongkong often we receive some cheques,on which is written:
A：香港元(港元)，我们经常收到一些港元支票，票面上类似这样的金额：
HK $28 254.48, you'd says:twenty-eight thousand two hundred and fifty-four and forty eight cents.
HK$28 254.48，你就得读作：twenty-eight thousand two hundred and fifty-four and fortyeight cents。
B:What else has he seen?
你父亲还见到过哪些其他外币?
A:Japanes yen. In this case, we must pay close attention,
A：日元。遇到这种情况，我们必要要注意，
[01:37.28]because in China we use yuan in abbreviation ￥,the same ￥ Japanese use for yen.
中国人民币代号元￥同日本代号一样。
For example, on the check you see: J ￥ 21 340 100.00. You'd say:
举例说：J ￥21 340 100.00 ，你就得说：
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：英国货币是什么情况?
A:The formal term for England is the United Kingdom. The currency is the pound sterling,
A：英国的正式称呼是联合王国。它的货币是英磅，
abbreviated like: ￡or Stg. For example, for ￡ 3044.50, you'd say:
缩写的符号是：￡或stg.举例说：￡3 044.50，你就得读作：
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?
法国的法朗和德国的马克在国际间也流通，是吗?
A:There are at least two kinds of Francs:French and Swiss.
法朗至少有两种，法国法朗和瑞士法朗，
They have no special sign, but an abbreviation, for example: FF. 53 000,
他们没有专门的代号，但有缩写词如：FF.5300，
you'd know this is French franc. You'd say fifty-three thousand French francs.
读作法国法朗，fifty-three thousand French Francs。
When you see the abbreviation SFRS, you'd know this is Swiss Franc:such as,
当你见到SFRS的缩写词，这是瑞士法朗，例如：
SFRS 21 400, you'd say twenty-one thousand four hundred Swiss Francs.
SFRS 21 400，你读作twnety-one thousand four hundred Swiss Francs 。
B:Now, I understand.
B：我现在明白了。
A:As for mark, this means mainly the deutsche mark, for example,
A：马克，主要指的是德国马克，例如，
Dm 63 308.50, we say sixty-three thousand three hundred and eight and a half deutsche marks.
DM 63 308.50，我们读作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.
这些外币一般在中国能见到。假如我们要把外币兑换在人民币，我们就得按每天公布的外汇率来兑换人民币。
B:Will you follow in your father's footsteps to become a banker?
B：你想像你父亲将来成为一名银行家吗?
A:It's too far away for me to think of!
A：我还远远没有考虑这个问题?
金融英语口语：Bank Performan 1
New Words
新单词
diagram n.
图解，图表
terrific adj.
极妙的
fiscal adj.
财政的
satisfactory adj.
令人满意的
competitive adj.
竞争的，比赛的
significant adj.
有意义的，有效的
commission n.
佣金
trend n.
趋势
sensitivity n.
敏感
Phrases & Expressions
bank performance
银行业绩
stockholder equity
股东权益，股东产权
relate to
有关，涉及
base on
把...基于
amount to
合计，总共达
net invest earning
投资净收益
account for
说明(原因等)
in particular
特别，尤其
E:I'm glad to give you some information about my bank.
爱：很高兴能有机会与中国同行谈谈本行的有关业务状况。
The diagram in your hand is a copy of our last annual report.
各位手里拿的正是我公司去年的年度报告。
V:Yes, it gives key figures relating to your bank's activities and financial performance during 1994.
代表：正是，这份报表已列出了1994年度贵行的各项经营业务及财务状况的关键数据。
Dr. Edwards. Would you please first give us a very short description of your performance last year?
爱德华兹博士，您能否用最简短的话概括一下贵行去年的经营状况?
E:Fine. As of December 31st 1994, the Northland's ZB Bank Corporation was the sixth largest in USA,
爱：很乐意。到1994年12月31日为止，本银行-北方ZB银行集团，名列美国第六名。
based on stockholders' equity, and the seventh largest based on deposits.
第六名是按照股本产权来统计的。如按银行存款额来统计，则名列全美国第七。
The bank has more than 980 offices around the world.
目前本银行有980个办事处分布在全球各地。
V:You have an office in Beijing, don't you?
代表：你们在北京也有办事处吧?
E:Yes, that's right. Actually, we have three offices in China.
爱：是啊!在中国我们目前有3个办事处。
We established our offices first in Beijing, then in Shanghai and in Guangzhou.
第一个我们设在北京，接着在上海及广州也设立了办事处。
We're thinking of opening another two in Tianjin and Suzhou next year.
我们正考虑明年在天津和苏州各设一个办事处。
V:That's terrific. I'm from Suzhou, which is developing rapidly.
代表：太巧了。我是苏州人。苏州发展非常快速。
E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
爱：真的啊!我希望我们能抽出空谈谈苏州的金融状况。
V:I'd like to if I can be of any help.
代表：能对您有用的话，我很乐意的。
E:Now, let's begin with income of our bank last year.
爱：现在我来说说本行去年的收益状况。
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：贵行1994年总收入为1.55亿美元,而1993年则为1.35亿美元，
That's an increase of...
增长了....
E:Of nearly fifteen per cent over the year before last,
E：差不多增长了15%，
a rate of increase slightly above that of recent years.
是最近几年增长率较高的一年。
V:Your net interest earning at the end of 1994 reached ninetynine million dollars.
代表：你们1994年底投资收益达到9 900万美元。
E:That's exact good news for us. In the financial year 1994,
爱：对我们来说，是相当令人振奋的。在1994年这个财政年度里，
interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million.
利益收入达到6.15亿美元,而支付的利息为5.16亿美元。
V:So, that's almost ten per cent up over the 1993 figure.
代表：这样说来，这个数目比1993年增长了约10%。
E:Yes, the net interest income is pretty satisfactory indeed,
爱：是呀，这个净利润令我们非常满意，
in what is, as you know, an intensely competitive market.
正如大家所知道的那样，这是个竞争非常激烈的市场。
V:Oh, you also achieved a significant increase in non-interest income.
代表：噢，你们在非利息收入这一块也获得了很大的收益。
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.
爱：是啊，我们的非利息收入从1993年的4600万美元增长到1994年底的5 600万美元。
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仅仅是依靠贷款获利，更重要的是应当通过其它方式，如赚取服务费，佣金等方式来增加本行的收益。
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，与1993年相比，这部分的收益占本行总收入的比重增长了两个百分点。
V:Yes, this is really an encouraging trend since the economic environment in general is changing.
代表：对呀。正因为总的经济环境在变化，这真是一个令人鼓舞的发展趋势。
It also shows your response to the sensitivity of interest rates in particular.
银行利率的升降特别敏感，但贵行却能调整对策，作出及时的反应。
E:Due to non-interest income of fifty-six million dollars,
爱：由于1994年的非常利息收入有5600万美元，
our total group income in 1994 was twenty million dollars higher than the pervious financial year.
与1993年相比，我们银行1994年财政年度的总收入增加了2000万美元。
金融英语口语：Bank Performan 2
New Words
新单词
outgoings n.
开支，开销
provision n.
备付
premises n.
房屋
previous adj.
以前的，先的
illustrate v.
说明阐明
footing n.
合计
allocation n.
分配
reserve n.
储备金
Phrases & Expressions
fee-generating activities
增加费用的活动
leased assets
租赁资产
in addition
另外
E:We've seen the income before our coffee break; now let's look at the outgoings.
爱：我们在喝咖啡休息以前看到了本行的收益情况，现在再来看看支出情况。
V:What is the largest amount of money you spent in 1994?
代表：那么贵行1994年最大的支出项目是什么呢?
E:Obviously, the largest of these is staff costs.
爱：很明显，支出中最大的一块是员工开销。
It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at the end of 1994.
1993财政年度为500美元，到1994年底，就增长到6500万美元，
It covers forty-two per cent in the total group outgoings.
占了总支出的42%。
V:Why is the increase as large as eighteen per cent?
代表：为什么这部分支出的增长率高达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.
爱：这一方面是由于增加了职工人数，用于从事前面我所提到的增加服务佣金等工作。
V:How about doubtful debt provision and depreciation?
代表：那么坏帐充资金和折旧费用呢?
E:Provisions for doubtful debts amounted to eight million dollars,
爱：坏帐抵充资金高达800万美元，
an increase of sixty per cent;
增长了60% 。
while depreciation on leased assets and on premises and equipment decreased from sixteen million dollars to fifteen million dollars.
而租赁资产的折旧费以及营业大楼。设备的折旧费则从1 600万美元降至1500美元。
V:Is depreciation calculated on a straight line basis?
代表：折旧费是采用直线折旧法来计算的吗?
E:Yes, that' how we calculate depreciation.
爱：是的，我们就是按照直线折旧法来算的。
V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts and depreciation,
代表：除去员工费用最大的一块支出，以及坏帐准备金及折旧费之外，
how about expenses, on tax, dividends?
其它，如纳税和股票支出情况呢?
E:Tax, not much to say really. We paid five million dollars more than in 1993.
爱：税，真的不必多说。1994年这一财政年度，我们比1993年多交纳税多500万美元，
That is, we paid up to twenty-five million dollars in the financial year of 1994.
即达2 500万美元。
As for dividends paid to our shareholders,
我们支付给股东们的股息，
they remained unchanged over the previous fiscal year at five million dollars.
则与1993年底持平，均为500 万美。
V:How so?
代表：就这么多?
E:Because the major part of the year's profit was retained to expand our consolidated capital base.
爱：因为我们决定保留1994年度大部分利润来扩大我行的合并资本。
This was the first year in which our balance sheet footings passed the three billion dollars mark.
1994年是我们的资产负债表上累计超过30亿美元的第一年。
V:In addition, is there any sharp increase in other costs?
代表：除此以外，其它费用还有哪些部分增长迅速吗?
E:No. On the contrary, other expenses increased by only a little under seventeen per cent.
爱：没有了。相对说来，其它费用只增长了一点点，不到17%。
That's the smallest annual increase since 1989.
这是1989年以来支出年度增长最少的一年。
Personally, I think it illustrates our determination to bring costs under control.
我个人的看法是：以上这些数字表明我们控制费用增长额度的决心。
V:What's your yearly profit after paying dividends to shareholders?
代表：扣除股东的股息，贵行的年利润有多少?
E:After allocation of the dividends, there remained a net undistributed balance for the year of nine million dollars.
爱：支付完股东的股息后，剩下的非分配利润有900万美元，
The total amount was transferred to reserves to cover unexpected events.
用作应付特别紧急的需要的储备金。
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：所以说，正如你们的年度报表写明的，贵行支出总额为1.55亿美元。
E:Yes,the figure of total group outgoings exactly balances out with the total income.
爱：对，这部分支出额与总收入相平衡。
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：到现在为止，我们对贵行1994年度的收入及其使用情况，以及与1993年的对比情况，都有了清晰的了解。
金融英语口语：ARE
New Words
新单词
absent adj.
缺席，不在
loan n.
贷款
abacus n.
算盘
competition n.
比赛，竞争
adjustment n.
调整，调节
grain n.
谷物
encourage v.
促进，鼓励
agricultural adj.
农业的
review v.
复习
accounting n.
会计学
principle n.
原理，原则
Phrases & Expressions
短语
the Department of International Finance
国际金融系
duty free
免税
all students of the Department of International Finance here?
国际金融系的学生是否都到了?
-No, some are absent.
不，还有几位没有到。
all these goods duty free?
这些商品是否都免税?
-No, only half of them are.
不，其中一半是免税的。
there any other opinions?
还有其他意见吗?
-No, there aren't. We all agree on foreign loans.
没有了，我们都同意通过外资借款。
the students ready now, Ma Ling?
4.马林，学生都准备好了没有?
-Yes, we can start the abacus competition.
都准备好了，现在可以开始珠算比赛。
Sam and Ann in high school or in college?
5.萨姆和安是在中学还是在大学里学习?
-They are both in college?
他们都在大学里学习。
you feeling more at home in your new job?
6.新工作让你感到挺轻松吗?
-Yes, I am. Sometimes there are problems, though.
是，不过有时还会遇到一些困难。
we going to see an adjustment in the grain price?
7.粮食价格是否还会上调?
-Yes, we will. We hope it will encourage our agricultural production.
会上调，我们希望通过上调鼓励和促进农业生产。
they reviewing the lessons on accounting principles?
8.他们是否在复习会计原理?
-Yes, they are.
是，他们正在进行复习。
there any oranges in the kitchen?
厨房里还有橘子吗?
-No, I'm sorry. There aren't any.
真抱歉，没有了。
10. Are you leaving for the bus station at nine o'clock?
10.你打算9点钟去公共汽车站吗?
-I'm going earlier than that. My bus leaves at nine fifteen.
我要在9点以前走，我那班车9点一刻就要开。
e are some factories in the city, aren't there?
11.这所城市有一些工厂，是吗?
-Yes, there have been many.
是，这里已有很多工厂。
are doing your homework tonight, aren't you?
12.你打算今晚做作业，是不是?
-No, I'm not.
不，我不打算在今天晚上做。
