个人理财
你未必是理财高手，但个人理财方面的知识在这个信息爆炸的年代是每个人的必修课，你可能会在网上浏览这方面的信息的时候发现自己的英语词汇量不足，那么这篇“个人理财“就可以帮你的忙。
本文分两个部分介绍个人理财方面的英语知识，第一部分是理财常用词汇，首先掌握个人理财方面经常会用到的一些词汇，如“People’s Bank of China”即“中国人民银行”，“Industrial and Commercial Bank of China”意思是“中国工商银行”，理财当然与银行息息相关，这也是必须掌握的。
第二部分是理财必会句子，分别从开户存款、取款清户、兑换现金 、处理汇款、旅行支票和其他服务等六个方面进行举例，都是个人理财方面简洁实用的句子，掌握了这些句子，你将不会再苦恼这方面词汇量的不足了，而且能灵活运用于现实生活中。
Part 1 理财常用词汇
相关词汇
People’s Bank of China 中国人民银行
Bank of China 中国银行
Industrial and Commercial Bank of China 中国工商银行
People’s Const ruction Bank of China 中国人民建没银行
Agricultural Bank of China 中国农业银行
Communications Bank of China 中国交通银行
Hong Kong ＆ Shanghai Banking Corporation 汇丰银行
Bank of America 美国商业银行
Citibank 花旗银行
Bank of England 英格兰银行
national bank 国家银行
commercial bank 商业银行
central bank 中央银行
bank of issue 纸币发行银行
investment bank 投资银行
trading bank 贸易银行
trust bank 信托银行
reserve bank 储备银行
savings bank 储蓄银行
correspondent bank 代理银行
branch 分行
savings bank 储蓄所
credit union 信用社
rural credit cooperative 农业信用社
urban credit cooperative 城市信用社
night deposit box 夜间存款机
cash machine／ cash dispenser/ cashomat 自动提款机
banker 银行家
president 银行总裁
manager 银行经理
senior clerk 银行高级职员
bank clerk 银行职员
loan record keeper 信贷记账员
credit verification officer 信用调查员
cashier 出纳主任
paying teller 出纳员
foreign exchange teller 外汇出纳员
runner 收账员
checker 审核员
payee 收款人
paye 支付人
customer 顾客
guard／security officer 警卫人员
banking hours 银行营业时间
paying-in counter 存款柜台
loan payment window 贷款支付窗口
grille 柜台格栅
waiting lounge 等候厅
vault 金库
safe—deposit box 安全托
burglar alarm 报警器
cheque／check 支票
valid cheque 有效支票
blank cheque 空白支票
rubber cheque 空头支票
chequebook money 现金支票
traveller’s cheque 旅行支票
personal cheque 个人用支票
bounced cheque／rejected cheque/ unpaid cheque 拒付支票
paid cheque 付讫支票
cashier’s check 本票
chequebook／checkbook 支票簿
reserve currency 储备货币
bank reserve 银行储备金
bank deposits freeze 银行存款冻结
bank card 银行信用卡
basic currency 基本货币
current money 通用货币
fractional currency 辅助货币
international currency 国际货币
bank note 纸币,钞票
metallic currency 金属货币
foreign currency 外币
coin 硬币
fake money 假钞
outdated money 旧币
bank money 银行票据
cash/ hard cash 现金
bank rate 银行利率
cash ratio 外汇汇率
foreign exchange rate /the rate of exchange／exchange rate 汇率
annual Interest 年息
monthly interest 月息
fixed Interest 定息
variable interest 不固定利息
low interest 低息
net interest 纯利息
bank account 银行存款
savings deposit 储蓄存款
savings account book 储蓄存折
total savings deposits 储蓄额
time deposit／deposit account 定期存款
demand deposit／current deposit 活期存款
checking account 支票活期存款账户
checking account 活期存款账户
running account 往来账户
depositor 存款人
joint account 共同户头
blocked account 冻结账户
borrower 借款人
deposit money 存款
withdraw money 取款
open an account 开户头
cash a cheque 把支票兑成现金
endorse a cheque 在支票上签名
pay back the capital plus interest 还本付息
bankbook / passbook 银行存折
deposit slip／bank paying-in slip 存款单
withdrawal slip 取款单
maturity 存款到期
report of the loss of the bankbook 存折挂失
run on the bank 挤兑
bank discount 银行贴现
bank statement 银行结单
bank credit／ bank loan 银行信贷
credit rating 客户信贷分类
check trading 支票贷款
loan given flat 无息贷款
signature loan 无担保贷款
long-term loan 长期贷款
short-term loan 短期贷款
credit 信用，信贷
credit transfer 银行转账
credit card 信用卡
loss report 个人挂失
Card Replacement Application Form 换卡申请书
A/C Name 户名
Card/A/C NO. 卡/账号
Contact Tel NO. 联系电话
Type of I/D 证件类型
I/D NO. 证件号码
Oral report of loss 口头挂失
Written report of loss 书面挂失
Report of loss on Withdrawal 支取方式挂失
Report of loss Content 挂失内容
identity 居民身份
Shape& Character of Lost Signature 遗失印签/形状及字体
Card Collection / Release of Loss Branch 指定领卡/解挂网点
Card damage 卡片损失
For all-in-one-card/passbook 一卡通/存折
Frozen fund 冻结资金
Mode of drawing of Bank Book/Certificate of Deposit 存折/存单取款方式
Business applied 申请业务类型
Name of Agent 代办人姓名
Bank acknowledgement 银行确认栏
Loss release acknowledgement 解挂确认栏
Applicant Signature 申请人签名
Customer Signature 客户签名
By pin code 凭密码
Daily limit 每日限额
Accumulate limit 网上支付额度
Part 2 理财必会句子
开户存款 Opening an account and depositing
1．请开一个活期储蓄账户。 A current account，please．
2．我想开个储蓄账户。
I’d like a deposit account．
I want to open a savings account.
3．我想开个活期储蓄账户。 I’d like to open a current account with you．
4．我想开个支票账户。 I’d like to open a checking account.
5．我们想开个联名支票账户。 We’d like to open a joint checking account．
6．我可以在这开个储蓄账户吗? Can I open a deposit account here?
7．开个支票储蓄户头需要什么手续？
What’s the procedure for opening a checking-savings account?
How do I open a checking-savings account?
8. 定期的还是活期的?
A deposit or current account?
Do you like to open a deposit account or a current account?
9. 您想要哪种账户?
How would you like to deposit you r money?
What kind of account did you have in your mind?
10. 我想我需要一个活期存款账户这样我可以付账。
I think I need a checking account so that I can pay my bill.
11. 定期存款和活期存款有什么不同?。
What’s the difference between a savings account and a checking account?
12. 你们收支票手续费吗? Do you charge for checks?
13. 每开一张支票要花2.5美元。 Each check you write will cost 25 dollars．
14. 如果透支了怎么办? What if I overdraw?
15. 100美元够最低起存金额吗?
Will 100 dollars be enough for a minimum deposit?
Will l00 dollars’deposit be enough for opening a checking account?
16. 最低起存金额足50美元。 Our minimum deposit is $50.
17. 10美元是最低起存金额。 Ten dollars Is the minimum original deposit.
18. 用最低起存金额10美元你就可以开个账户。
You can open an account with an Initial deposit of 10 dollars．
19. 我们的定期存款有三个月、六个月、十二个月和三年的．您可以从中选择一种。
We offer Time Certificates of Deposit of three-, six-, twelve-month or
three-year maturity. You may choose one from those
20. 到期我可以续存吗? Can I renew the certificate on maturity?
21. 定期存款的利率比一般的储蓄存款利率要高得多。
The Interest rate for time deposits is much higher than regular savings.
22. 哪一种存款期限最受欢迎呢? What maturities are the most popular?
23. 储蓄存款与支票存款有什么不同？
What’s the difference between a savings account and a checking account？
24. 第一次储蓄有最低限额吗? Is there any minimum for the first deposit?
25. 第一次储蓄的最低限额是多少？ What’s the minimum original deposit?
26. 这类储蓄你付息吗? Do you pay interest on this account?
27. 你希望在账上存入多少?
How much do you want to deposit in your account?
How much do you wish to pay in you r account？
How much money do you want to place to your credit?
How much cash do you plan to deposit in your account?
28. 这使您可以从存款得到一点利息。
It allows you to earn a little interest on your money.
29. 年利率是多少? What’s the annual interest rate？
30. 储蓄存款的年利率是多少? What’s the interest rate for the savings account?
31. 利息率是4.5 ％。
The account carries interest of 4.5 ％.
Interest is paid at the rate of 4.5 ％．
The Interest rate for the account Is 4.5 ％．
32. 我看你需要开个支票存款户头。 I think you need a checking account bank．
33. 你可以开一个活期存款户头。 You may open a current account with the bank.
34. 利息每年都加到您的存款中。 The interest is added to your account every year.
35. 定期存款利息必须到期支付。
The interest on term deposit only falls due at maturity．
36. 你可以把钱存人银行，或者留在银行由银行暂时保管。
You may deposit your money with the bank，or leave it there for temporary
safekeeping.
37. 这些支票要花多少钱? How much do the checks cost?
38. 我想在我的账户中存入700美元。 I want to deposit 700 dollars in my account.
39. 我想把这些支票存人我的账户里。
I want to deposit these checks in my account.
40. 我想在我的账户里存入800美元。 I’d like to pay 800 dollars into my account.
41. 请你告诉我怎样经管这个账户好吗?
Would you tell me how to operate this account?
42. 利息是多少? What’s the interest rate? / How’s the Interest rate?
43. 你带身份证了吗? Have you got your ID card with you?
44. 你带护照了吗? Have you got your passport with you?
45. 你带证件了吗? Have you got any identification?
46. 请输入密码。 Please key in your code. / Please type in your code.
47. 这是您的存折。 Here is your passbook. / Here is your bankbook.
48. 密码错了。 The code is not correct. / The code is incorrect.
49. 每月服务费是多少? What’s the monthly service charge?
50. 请告诉我这个账户的服务费怎么收取?
Please explain the service charges on this account?
51. 这种账户联邦政府是否提供担保?
Is the account insured by the federal government?
52. 您随时都可以用十美元的起存金额开立一个储蓄账户。
You can open a savings account at any time with an initial deposit of ten
dollars.
53. 您开卡时，需要找一个担保人与您一同签署领卡协议。
While you open the card, you should have a guarantor together with you to sign
the form.
取款清户 Withdrawing from or closing an account
1. 我的定期存折昨天到期。 My fixed deposit certificate fell due yesterday.
2. 我这有一个支票存款账户。 I have a checking account here.
3. 你想从账户上取多少钱？
How much would you like to take out of your account?
4. 我想从储蓄账户上取900美元。
I want to withdraw 900 dollars from my savings please．
5. 我想从账户上取500美元。 I need to take 500 dollars from out of my account.
6. 您的存款支完了。 Your deposit is exhausted.
7. 您希望怎样支钱? How do you wish to withdraw your money?
8. 要怎样付钱给你? How shall I give it to you?
9. 这笔钱您要多少面值的现金? How do you want it?
How did you like it?
In what denominations?
How would you like it?
Do you want large or small bills?
10. 五张十元的行吗? Will five tens be all right?
11. 请给我五张十元的和二十张一美元的。 Five tens and twenty singles，please.
12. 请给我一些小面值钞票行吗? Give me some small notes，please．
13. 请给我5张面值100美元的美钞，其他的用小面值钞票支付就可以了。
Please give five one－hundred dollar bills and the rest in small ones.
14. 请用面值l0美元的钞票支付，其他的用小面值钞票就可以了。
Would you give me ten－dollar notes and the rest in small changes，please?
15. 请给我六便士铜币好吗? Would you mind giving me the sixpence in coppers?
16. 用票面5元的支付。 In five，please．
17. 请用票面十美元的支付。 In ten－dollar notes，please．
18. 请用美钞支付。 Some green bucks，please.
19. 请用旅行支票支付。 In traveler’s checks，please
20. 清给我十张面值50美元的钞票。 Please let me have ten fifty－dollar，notes.
21. 随便。 It’s all the same to me.
22. 请把这些表填了。 Please fill up these forms.
23. 请填写取款单。 Please fill in a withdrawal form.
24. 请填写申请表。 Please fill in an application form．
25. 请在这张支票上签名。 Please endorse the check.
26. 请在头一行上签字。 Will you sign on the top line?
27. 请在签名栏下签字。 Sign it under signature，please.
28. 请一式两份签收这张收据。 Please sign the receipt in duplicates.
29. 请在支票背面写上您的账号。
Please write your account number on the back of the check．
30. 这是一本支票簿。 Here’s a checkbook．
31. 这是你的银行存折。 Here’s your bankbook．
32. 这是号码牌。 Here’s the number slip．
33. 这是兑换便笺。 Here are the exchange memos．
34. 这是总计280美元的存款本金和利息。
Here’s the deposit and the interest of 280 dollars in all.
35. 能否给我开一份银行结单？ Can I have a statement, please?
36. 你在银行的结余金额是2800美元。 Your balance at the bank is 2800 dollars.
37. 我想清户。 I’d like to close my account with you.
38. 请把我账号中的结余金额告诉我。 Please tell me my balance.
Could you tell me my balance?
I’d like to know my balance，please.
兑换现金 Cashing the checks
1. 可以在这儿将支票兑换成现金吗? Can I cash a check here?
2. 请把这张旅行支票兑换成现金好吗?
Could you cash this traveler’s check, please?
3. 我想把旅行信用卡兑换成现金。 I’d like to cash the balance of a traveler’s L/C.
4. 我想把银行汇票兑成现金。 I want to cash this money order please?
5. 您要兑换什么货币? What note do you want?
What kind of currency do you want?
What kind of currency do you want to change?
6. 你们今天澳元的现汇买入价是多少?
What’s your buying rate for Australian dollars in remittance?
7. 手续费是多少? What’s the service charge?
8. 你们提供的兑换率是多少? What rate are you giving?
9. 今天的兑换率是多少? What’s the e×change rate today?
What’s the rate of exchange today?
10. 今天美元的售价是多少? What’s the dollar going for today?
11. 你们今天日元的现金卖出价是多少?
What’s your selling rate for Japanese yen in notes today?
12. 请告诉我美元的现价好吗?
Would you please tell me the current rate for RMB?
13. 请告诉我人民币的现价好吗?
Would you please tell me the current rate for RMB?
14. 请告诉我英币的现价好吗?
Could you tell me the current rate for sterling, please?
15. 换成德币是多少钱? How much will it be in German currency?
16. 100马克能换多少钱? How much would I get for l00 German marks?
17. 五十英镑的钞票能换多少钱?
How much can I get for a fifty-pound note?
18. 我的法郎能换多少钱?
What would you give me for my French francs?
19. 请等一下，我查查兑换率。
If you’ll wait a moment, I’ll find out the rates of exchange.
20. 请等一下，我来查查美元同人民币之间的兑换率。
Please wait a minute. I’ll find out the rate of exchange between American
dollars and RMB.
21. 100美元可以换850元人民币。 It’s 852 Yuan for l00 dollars.
22. 今天德国马克的售价是248。
It’s 248 German marks at today’s selling rate.
23. 今天英镑的兑换率是250日元。
The exchange rate today is 250 Japanese yen to the pound.
24. 我们钞票的买入价是100美元付345日元。
Our buying rate for notes is 345 yen for l00 dollars.
25. 旅行支票的兑换率是100美元换847元人民币。
The rate for traveler’s checks is 847 Yuan against $100.
26. 美元的买入价是100美元付864元人民币。
The buying rate of US dollars is 864 Yuan per hundred dollars.
27. 请换成荷兰盾。 Dutch guilders，please.
28. 我需要一些新西兰元。 I need some New Zealand dollars.
29. 你想兑换多少钱? How much do you want to change?
30. 你想把多少汇款兑换成美金?
How much of the remittance do you want to convert Into US doltars?
31. 我想兑换这些英镑。 l’d like to change these pounds, please.
32. 我想把这200美元换成人民币。 Can I have 200 dollars，worth of RMB?
33. 我想把这l50日元换成瑞士法郎。 Can you give me l50 yen in Swiss francs?
34. 我想把它们换为加拿大元。 I want to change them for Canadian dollars.
35. 我想买值200美元的法郎。 Give me 200 dollars，worth of French francs.
36. 我想买50美元的旅行支票。 I’d like 50 dollars’ worth of traveler’s checks.
37. 我想把它换成葡萄牙埃斯摩多。 I want to change it into Portuguese escudos.
38. 我想把全部的汇款都兑换成美元。
I want to convert the full amount of the remittance into US dollars.
39. 能否请您给我兑换一些钱?
Do you think you could change these dollars for me, please?
Can you change me some money，please?
Could you change some money for me, please?
40. 能否给我把这笔钱换回美元?
Could you change this money back into US dollars for me?
41. 兑换以后所得的金额中将扣除25 ％的利息。
25 ％interest charges will be deducted from the proceeds after conversion.
42. 我想把这张纸币换成硬币？ I\`d like some coins for this note, please.
43. 我想把这张面值100美元的钞票兑开。 I\`d like to break this 100-dollar note.
44. 我马上把找头给您。 I’ll have your change in a minute．
45. 旅行支票要花购买总金额1％的手续费。
The traveler’s checks cost one percent of total amount of purchase．
处理汇款 Handling remittance
1. 我想买一张银行汇票。 I’d like to buy a bank draft.
2. 能不能轻您查一查是否有我的一笔寄自中国的汇款?
Could you find out whether there\`s a remittance for me from China?
3. 我在等寄自纽约的汇款。这笔钱到了吗?
I’m expecting some money from New York. Is it in yet?
4. 对不起，您的汇款还没有到我们这儿。
Sorry，your remittance hasn’t reached us yet．
5. 您的汇票一到我们就通知您。
We’ll notify you as soon as your remittance comes．
6. 您在我们这儿有银行账户吗? Do you have an account with us?
7. 您带存折了吗？ Did you bring your passbook with you?
8. 中国给您汇来了500美元。 We have a transfer of $5000 from China for you.
9. 要不要把它记入您的账上。 Would you like it credited to your account?
10. 我来把这笔交易登录进您的存折。
Now let me record this transaction in your bankbook.
11. 我会登记入您的存折的。 I’ll make the entry in your passbook.
12. 我往北京汇款怎么办理？ How can I send some money to Beijing?
13. 汇款到悉尼需要多长时间？ How long does it take to arrive in Sydney?
14. 你能否为我直接代寄一千澳元汇票给收款人?
Could you send a draft of one thousand Australian dollars to the beneficiary
by mail directly?
旅行支票 Traveler’ s checks
1. 换旅行支票吗?
Do you want the whole amount in traveler’s checks?
Is it in traveler’s checks?
2. 我想买些旅行支票。 I’d like some traveler’s checks，please.
3. 旅行支票只有在背面签字才有效。
Traveler’s checks are not valid until they are countersigned.
4. 我是否可以看看您的护照？ May I see your passport for identification?
5. 我马上给您弄旅行支票
I’ll get the traveler’s checks for you right away.
其他服务 Other services
1. 我能不能租用一只保险箱? Can l rent a safe deposit box?
2. 一个小号保险箱要多少租金?
How much do you charge for a small safe deposit box?
3. 我可以在这儿用这张信用证支钱吗? May I draw money against the L／C here?
4. 我想从这份信用证上支取1000美元。
I’d like to draw 1000 dollars against this letter of credit.
5. 信用证已支取完了。 Your L／C is used up.
The L／C is exhausted.
6. 我们来结账。 We’ll settle the account.
7. 这支票在银行间汇划结算以后才能兑现。
You can’t cash this check until it’s cleared．
8. 能否看看您的证件? Could I see some of your ID？
9. 您带护照来了吗? Do you have your passport with you?
10. 我想您可以提供证明人吧。 I take it you can supply references.
11. 我想开两张每张50美元的支票。
I’d like to write two checks for fifty dollars each.
12. 请把支票开给中国银行。 Please make out your checks to the Bank of China.
13. 您应该先把这支票存入您的账户。
You should pay the check into your account first.
14. 我能不能用账户存款偿付我在法国买东西的费用?
Can I draw on my account for payment of the things I buy in France?
15. 我能不能用普通支票支付旅行支票的款项?
Can I pay for the traveler’s checks with an open check?
16. 签发的支票必须由指定的人支取。
Checks issued must be made payable to a specified person only.
17. 这在两个月之内有效。 It’s payable within two months.
18. 我们承兑此支票是因为透支额只是400美元。
We honored the check as the overdraft was only four hundred dollars.
19. 您可以用支票从这账上支付货款。
You can draw on this account by check in payment of goods.
20. 你想借多少? How much do you want to borrow?
21. 出纳员会根据您的号码牌付钱给您。
The teller will pay you against your number slip.
22. 这可以抵付存款本身的费用。 It helps defray the cost of the account itself.
23. 我能换一个金卡吗？ Could I change to a gold card?
24. 您应该补偿银行付的那笔款子。
You should reimburse the bank for the amount paid.
25. 我能在这儿办信用卡吗？ Can I open a credit card here?
26. 普通卡和金卡有何不同？
What’s the difference between a common card and a gold card?
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