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小编为大家整理了银行英语储蓄存款利息口语，希望对你有帮助哦!
interest rate 利率
simple interest 单利
compound interest 复利
legal interest 法定利息
prime rate 优待利率
payable interest 应付利息
lending rate 贷款利率
usury 高利贷
the subsidy rate for value-preserved savings 保值储蓄补贴率
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下面读文网小编为大家带来职场双语阅读：外资银行不再青睐中外合资模式，希望大家喜欢!
Macquarie and Morgan Stanley have sold out of theirChinese trust businesses, raising questions about theviability of the remaining joint-venture partnerships between foreign and domesticinstitutions in China.
麦格理(Macquarie)和摩根士丹利(Morgan Stanley)出售了它们的中国信托业务，令人对剩余的中外合资信托企业能否维持下去产生疑问。
Morgan Stanley, the US bank, sold its 19.9 per cent stake in the Hangzhou Industrial &Commercial Trust, which it acquired in 2008, last month.
美资银行摩根士丹利到上月全部卖掉了其在2008年收购的杭州工商信托(Hangzhou Industrial &Commercial Trust)的19.9%的股份。
The divestment followed a similar move by Macquarie, the Australian financial group, which soldits 19.9 per cent stake in the Sino-Australian International Trust in November after enteringthe business in 2009.
在此之前麦格理也做出了类似的动作，这家澳大利亚金融集团于2015年11月出售了其在2009年收购的华澳国际信托(Sino-Australian International Trust)的19.9%的股份。
Tough new regulations aimed at improving the robustness of Chinese trust companies, whichconduct asset management, private equity and lending activities among others, havediminished the appeal of participating in these businesses.
为改善中国信托公司的稳健性而出台的严厉的新监管举措，降低了外资参与这些业务的吸引力。信托公司从事资产管理、私人股本和信贷等业务。
The divestments also follow years of frustration among foreign institutions over their lack ofcontrol in these joint ventures, where they were limited to holding a minority stake.
在此前的多年里，外国公司对它们在合资企业中缺乏控制权感到不满——它们只被允许持有少数股权。
Stewart Aldcroft, Asia chief executive of CitiTrust, Citigroup’s securities and fund servicesbusiness, said: “Very few joint-venture companies have succeeded in China. Most are secondtier or lower, [and] have been dominated by the local Chinese partner.
花旗集团(Citigroup)旗下证券与基金服务机构CitiTrust的亚洲首席执行官斯图尔特攠尔德克罗夫特(StewartAldcroft)表示：“很少有合资企业在中国取得成功。大多合资企业都处于二流甚至更低位置，(而且)由中方合作伙伴主导。”
“The foreign partner has had very little involvement in the business.”
“外国合资伙伴很少参与业务。”
Barclays, the UK bank, has also reduced its stake in its Chinese joint venture, New ChinaTrust, significantly, from 19.5 per cent to 6 per cent, according to Z-Ben, the Shanghai-basedconsultancy.
上海哲奔咨询公司(Z-Ben)表示，英国银行巴克莱(Barclays)也将其在中国合资企业新华信托(New ChinaTrust)中的股份从19.5%大幅削减至6%。
Macquarie, Morgan Stanley and Barclays declined to comment.
麦格理、摩根士丹利和巴克莱全都拒绝置评。
The appeal of joint ventures has diminished as foreign institutions no longer need to take astake in these businesses in order to access onshore investors.
随着外国机构不再需要为了接触中国国内投资者而持有合资企业的股份，合资企业的吸引力下降。
This follows the introduction of rules, such as the mutual fund recognition programme, thathave made it easier for foreign institutions to sell products directly to Chinese investors.
此前中国政府出台的基金互认等项目，让外国机构更容易直接向中国投资者销售产品。
Chris Powers, an analyst at Z-Ben, said: “Many [foreign companies] are re-evaluating theirapproach to mainland China.
哲奔分析师克里斯贠尔斯(Chris Powers)表示：“许多(外国公司)正在重新评估它们对中国内地的投资策略。”
“Foreign partners have never been particularly pleased with their joint ventures, but they stuckwith them as they were the only way to access China.
“外国合资伙伴从未对它们的合资企业感到特别满意过，但它们一直坚守，是因为这是它们进入中国的唯一途径。”
“[Now] there are more opportunities to engage with [domestic investors].”
“(现在)有更多的机会(与国内投资者)接触。”
Macquarie and Morgan Stanley’s decision to pull out of these businesses means that just eightforeign joint-venture trusts remain.
麦格理和摩根士丹利退出这些业务的决定意味着，中国还剩下8家中外合资信托公司。
These include the Bridge Trust, which saw US bank JPMorgan buy a small stake in 2012, andthe Beijing International Trust, which saw UK asset manager Ashmore buy a 19.9 per centstake in 2007.
这些公司包括百瑞信托(Bridge Trust)和北京国际信托(Beijing International Trust)，美国的摩根大通在2012年收购了前者的少量股权，而英国资产管理公司安石(Ashmore)在2007年收购了后者19.9%的股份。
Mr Aldcroft believes more companies will pull out of these businesses in 2016. He said: “China israpidly opening up the many routes to access its stock market [and domestic investors]. Withall this, why would a foreign company want to get involved in a joint venture it can’tcontrol?”
奥尔德克罗夫特认为2016年将会有更多的外国公司退出这些业务。他说：“中国正在迅速开放多个进入其股票市场(和接触国内投资者)的渠道。因此，外国公司为何要加入一个它不能控制的合资公司?”
职场双语阅读相关
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银行是以存款、贷款、电汇、储蓄等业务，承担信用中介的金融机构。其主要的业务范围有吸收公众存款、发放贷款以及办理票据贴现等。接下来小编为大家整理了世界各国主要银行中英文对照，希望对你有帮助哦!
花旗银行 Citibank 美国
大和银行 Daiwa Bank 日本
富士银行 Fuji Bank 日本
阿比国民银行 Abbey National 英国
巴克莱银行 Barclays Bank PLC. 英国
巴黎国民银行 Banque Nationale de Paris 法国
巴西银行 Banco Do Brasil 巴西
大通曼哈顿银行 Chase Manhattan Bank 美国
德累斯顿银行 Dresdner Bank 德国
德意志银行 Deutsche Bank 德国
第一劝业银行 Dai-Ichi Kangyo Bank 日本
第一洲际银行 First Interstate Bancorp 美国
东海银行 Tokai Bank 日本
东京银行 Bank of Tokyo 日本
都灵圣保罗银行 Istituto Bancario SanPaolo Di Torino 意大利
多伦多自治领银行 Toronto-Dominion Bank 加拿大
国民劳动银行 Banca Nazionale del Lavoro 意大利
国民西敏寺银行 National Westminster Bank PLC. 英国
荷兰农业合作社中央银行 Cooperatieve Centrale Raifferssen-Boerenleenbank 荷兰
荷兰通用银行 Algemene Bank Nederland 荷兰
汉华实业银行 Manufacturers Hanover Corp. 美国
汇丰银行 Hongkong and Shanghai Banking Corp. 香港
加拿大帝国商业银行 Canadian Imperial Bank of Commerce 加拿大
加拿大皇家银行 Royal Bank of Canada 加拿大
劳埃德银行 Lloyds Bank PLC. 英国
里昂信贷银行 Credit Lyonnais 法国
伦巴省储蓄银行 Cassa Di Risparmio Delle Provincie Lombarde 意大利
梅隆国民银行 Mellon National Corp. 美国
美洲银行(全称"美洲银行国民信托储蓄会") Bank America Corp( "Bank of America National Trust and Savings Associations") 美国
米兰银行 Midland Bank 英国
纽约银行家信托公司 Bankers Trust New York Corp. 美国
农业信贷国民银行 de Caisse Nationale Credit Agricole 法国
日本兴业银行 Industrial Bank of Japan 日本
瑞士联合银行 Union Bank of Switzerland 瑞士
瑞士信贷银行 Credit Suisse 瑞士
瑞士银行公司 Swiss Bank Corp. 瑞士
三和银行 Sanwa Bank 日本
三井银行 Mitsui Bank 日本
三菱银行 Mitsubishi Bank 日本
太平洋安全银行 Security Pacific Corp 美国
西德意志地方银行 Westdeutsche Landesbank Girozentrale 德国
西太平洋银行公司 Westpac Banking Corp. 澳大利亚
西亚那银行 Monte Dei Paschi Di Siena 意大利
意大利商业银行 Banca Commerciale Italiana 意大利
意大利信贷银行 Credito Italiano 意大利
芝加哥第一国民银行 First Chicago Corp. 美国
中国银行 Bank of China 中国
住友信托银行 Sumitomo Trust & Banking 日本
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小编为大家整理了银行付款词汇中英对照，希望对你有帮助哦!
定期付款
payment on term
年分期付款
annual payment
月分期付款
monthly payment||monthly instalment
延滞付款
payment in arrear
付款方法
mode of payment
现金付款
payment by cash||cash payment||payment by ready cash
以支票支付
payment by cheque
以汇票支付
payment by bill
以物品支付
payment in kind
付清||支付全部货款
payment in full||full payment
支付部分货款||分批付款
payment in part||part payment||partial payment
记帐付款||会计帐目内付款
payment on account
预付货||先付
payment in advance||prepayment
延付货款
deferred payment
立即付款
prompt payment||immediate payment
暂付款
suspense payment
延期付款
delay in payment||extension of payment
支付票据
payment bill
名誉支付||干与付款
payment for honour||payment by intervention
结帐||清算||支付
settlement
分期付款
instalment
滞付||拖欠||尾数款未付
arrears
特许拖延付款日
days of grace
保证付款
del credere
付款
to pay||to make payment||to make effect payment
结帐
to settle||to make settlement||to make effect settlement||to square||to balance
支出||付款
to defray||to disburse
结清
to clear off||to pya off
请求付款
to ask for payment||to request payment
恳求付帐
to solicit payment
拖延付款
to defer payment||to delay payment
付款被拖延
to be in arrears with payment
还债
to discharge
迅速付款
to pay promptly
付款相当迅速
to pay moderately well||to pay fairly well||to keep the engagements regularly
付款相当慢
to pay slowly||to take extended credit
付款不好
to pay badly||to be generally in arrear with payments
付款颇为恶劣
to pay very badly||to never pay unless forced
拒绝付款
to refuse payment||to refuse to pay||to dishonour a bill
相信能收到款项
We shall look to you for the payment||We shall depend upon you for the payment ||We expect payment from you
惠请付款
kindly pay the amount||please forward payment||please forward a cheque.
我将不得不采取必要步骤运用法律手段收回该项货款
I shall be obliged to take the necessary steps to legally recover the amount. ||I shall be compelled to take steps to enforce payment.
惠请宽限
let the matter stand over till then.||allow me a short extension of time. ||Kindly postpone the time for payment a little longer.
索取利息
to charge interest
附上利息
to draw interest||to bear interest||to allow interest
生息
to yield interest
生息3%
to yield 3%
存款
to deposit in a bank||to put in a bank||to place on deposit||to make deposit
在银行存款
to have money in a bank||to have a bank account||to have money on deposit
向银行提款
to withdraw one's deposit from a bank
换取现金
to convert into money||to turn into cash||to realize
折扣用语
从价格打10%的折扣
to make a discount of 10% off the price||to make 10% discount off the price
打折扣购买
to buy at a discount
打折扣出售
to sell at a discount
打折扣-让价
to reduce||to make a reduction
减价
to deduct||to make a deduction
回扣
to rebate
现金折扣
cash discount
货到付款||现金提货
cash on deliver (C.O.D.)
货到付现款
cash on arrival
即时付款
prompt cash
净价||最低价格付现
net cash
现金付款
ready cash
即期付款
spot cash||cash down||cash on the nail
凭单据付现款
cash against documents
凭提单付现款
cash against bills of lading
承兑交单
documents against acceptance (D/A)
付款交单
documents against payment (D/P)
折扣例文
除非另有说明, 30日后全额付现, 如有错误, 请立即通知。
Net cash 30 days unless specified otherwise. Advise promptly if incorrect.
付款条件: 30日后全额付现, 10日后付现打2%折扣, 过期后付款时, 加上利率为6%的利息。
Terms, net cash 30 days, or, less 2% 10 days. Interest charged at the rate of 6% after maturity.
付款条件: 月底后10日后付现2%折扣, 现在付现3%折扣, 否则, 全额付现。
Terms: 2%, 10 days E.O.M., or 3% cash, otherwise strictly net.
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小编为大家整理银行储蓄柜常用英语，希望对你有帮助哦!
1.Thank you
2.We'll glad to receive any suggestions to help us improve our service
3.Goodbye
4.Don't mention it (Not at all)
5.Hope to see you again
6.Welcome to use Peony Credit Card
7.Welcome to use ATM
8.Sorry
9.Please line up
10.Please wait a moment
11.Good morning(Good afternoon )
12.Please
13.Hello
14.Welcome
15.Welcome to deposit in ICBC
16.Demand(current)deposit
17.Demand(current)bankbook
18.Rate for current deposit
19.Time(fixed)deposit
20.Interest Rate for fixed deposit
21.Certificates of deposit
22.Flexible maturity deposit
23.Transferable certificate of large amount time deposit
24.Withdrawal form
25.The exchange rate for U.S.dollars
26.Termination of a deposit
27.Date due
28.Automatic teller machine(ATM)
29.The detailed list of interest
30.Peony Credit Card
31.Exchange U.S.dollars for Renminbi
32.What can I do for you?
33.May I help you?
34.We are open for business form 8：00 a.m to 6：00 p.m with no break at noon
35.We are open for business all week including Saturday and Sunday
36.I'd like to deposit(withdraw)
37.Which type of deposit do you prefer，time deposit or current deposit?
38.I prefer time deposit(current deposit)
39.Is it your first time to deposit here?I am going to open an account for you.
40.How long would you like to deposit for?
41.Pardon，I do not understand，Could you give me more details.
42.OK.The term of fixed deposit ranges form three month to five years，including three months，six months，one year，two years，three years and five years. The longer the term the higher the interest rate.
43.Partdon.
44.Could you fill in this slip in ink please.
45.You have made a mistake here，Please fill it in again
46.Opening an account is free of charge， but you have to deposit 10 yuan as your initial deposit.
47.The current deposit can be withdrown at any ICBC savings office in this city，It's convenient for you
48.We also have flexible maturity deposit. The interest rate is sixty percent of the interest rate for the time deposit
49.Excuse me，how much do you want to withdraw?
50.Please use Arabic figures
51.Please fill in your address here
52.Please enter your code number.
53.There is somrthing wrong，Please enter your code number again.
54.You've made a mistake in counting. Do it again please
55.Please wait a minute .I will calculate it again
56.Please keep the chip
57.Here are your money and deposit book.
58.Please hand back your chip
59.Please count the cash (your money)
60.Here is your book (certificate)。
61.Please wait a moment ， I will do it for you as soon as possible
62.The computer isn't working now. Please go to another savings office or come again tomorrow
63.Please wait a moment， we are checking it
64.Sorry， since there is no power， we can only serve you manually.
65.Sorry for keeping you waiting.
66.I'm sorry you had to come several times.
67.Everything is in order.
68.I have lost my bankbook， what should I do?
69.You can report the loss of the bankbook.
70.Do you remember the account name and number， maturity， amount and code number.
71.Please show your I.D card
72.My name is Jenny Lee， but I don't
remember anything the details
73.Please try to remember the details.
74.It's for the safety of your deposit
75.Would you please leave your telephone number.
76.Please bring this application form to collect new bankbook or money in 7 days.
77.I can reissue a new bankbook for you，but we must deduct ten yuan handling charges.
78.I am going to apply for a Peony Credit Card
79.You can apply for it in the ICBC
Peony Credit Card Department. The address is Beijing Road NO.8
80.Please wait a moment. The amount you are withdrawing exceeds one thousand yuan，so I have to ask authorization form the credit card issuing center
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小编为大家整理美国的银行业系统介绍，希望对你有帮助哦!
Several of the characteristics of American banking just discussed carry over into today's commercial banking system. Prominent among these is the dual-chartering system; that is, we continue to have commercial bank charters issued at two different levels of government. National banks receive their charters from the Comptroller of Currency~. Any national bank must have somewhere in its corporate title the word "national". Thus, for example, "Wells Fargo Bank, National Association" indicates that this bank has a federal charter. All national banks must be members of the Federal Reserve System.
Most banks, however, receive their charters from the appropriate agency of their respective state. They are under the supervision of their state's banking authority. However, state-chartered commercial banks may elect to become members of the Federal Reserve System, but this not mandatory for them as it is for national banks. If state-chartered banks~ elect membership in the Federal Reserve System, they come under the supervision of two banking authorities, state and national.
Thus, the American commercial banking system is comprised of two types of banks: the member banks of the Federal Reserve System which are national banks and those state-chartered banks electing membership; and nonmember state-chartered banks. Today' s banking system in the United States is comprised of more than 14,000 individual banks. Of this number, well under 50 percent are member banks of the Federal Reserve System——only 5,788 commercial banks out of a total of 14,633, or roughly 40 percent. These member banks, however, commanded the largest share of commercial banks resources, about three-fourths as of June 30, 1976. They held over three-fourths of deposits subject to check, $202,144 million as of the same date, which represented some 67 percent of our total money supply.
Although the national banks did~ continue a considerable advance in American commercial banking development, they also brought with them disadvantages. Their improvements included the establishment of a safe, uniform currency and a reduction in the number of commercial bank failures through strengthening due to more conservative standards of regulation and examination. There also developed a measure of correspondent banking relations through the provision for regarding, deposits in reserve city and central reserve city banks as reserves. But this last feature also was the System's greatest weakness. The National Bank System provided for the concentration go existing reserves into the city banks, but no provision was made for the creation of new reserves when necessary.
In our discussion, these two characteristics of present-day commercial banks will be in the forefront of much of our analysis: First, commercial banks create deposit liabilities against themselves, instead of note issue as the early banks did; and second, commercial banks today hold a wide variety of earning assets, not just short-term, self-liquidating loans~. One thing, however, continues to be just as true today as it was in the days of the banker: creation of money occurs when two opposite transactions take place simultaneously between the commercial bank and the customer~ The commercial bank increases its debt to the customer, and the customer puts himself into debt to the bank by the same amount. This simultaneous exchange of liabilities is significant because one of the debts created——the demand deposit liability——is money while the other-the loan——earns income for the bank.
美国的银行体系
自1782年美国第一家银行——北美银行(Bank.fNorthAmerica)成立以来，美国金融业经过长达200多年的发展，目前已形成了一个以商业银行为主，包括中央银行、储蓄机构、投资银行和政府专业性银行在内的庞大体系。
一、美国的联邦储备体系(Federal Reserve System)
联邦储备体系，即美国的中央银行。它是根据1913年12月23日美国总统威尔逊签署的联邦储备法而建.立起来的，简称联储(FED)。
联储的组成包括以下几部分：(1)联邦储备银行。联邦储备银行共有12家，分别设在波士顿、纽约、费城、克利夫兰、里土满、亚特兰大、芝加哥、圣·路易斯、明尼阿波利斯、堪萨斯、达拉斯和旧金山。它们在各自负责的地区执行中央银行的职能。除以上12家联邦储备银行外，凡根据联邦法律在联邦注册成立的国民银行都必须参加联邦储备体系，成为成员银行。其他根据各州法律在州政府注册成立的银行，如符合条件并愿意参加联邦储备体系的，则可自愿申请加入。(2)联邦储备委员会。联邦储备委员会(FRB)设在首都华盛顿，由7名理事组成，负责管理整个联邦储备体系。理事会成员和主席均由总统任命。该委员会负责制定有关法律规则并监督其实施，制定和审查批准储备金要求、存款最高利率及贴现率等。(3)联邦公开市场委员会。联邦公开市场委员会负责制定联储的短期货币政策，由12名成员组成，包括联储委员会理事及部分联储银行行长。该委员会所制定的货币政策通过设在纽约联储银行的公开市场桌(Open Market Desk)，在一个称之为“公开市场帐户”的特殊帐户买卖美国政府和联邦机构的债券及承兑银行票据来实现。(4)联邦咨询委员会。联邦咨询委员会由每个联邦储备区选派一名成员组成，是一个政策咨询和建议机构。
美国联邦储备体系的特点在于：(1)联储体系不是由联邦政府控制，而是由12个地区联储银行和联储委员会共同执行中央银行职能。(2)联储体系由成员银行共同拥有，而不是由联邦政府所有，其性质是私有的，具有很强的独立性，在制定和执行货币政策时不需要得到政府和国会的批准。
二、美国的商业银行体系
商业银行是美国银行体系的中坚力量。多年来，美国的商业银行体系形成了其独特的形式，主要有以下几方面特点： .
1.双轨银行制度
按对商业银行的管血体制划分，美国的商业银行可分为在联邦政府注册的国民银行和在州政府注册的州立银行两种，这就是美国独特的双轨银行制度。国民银行必须是联邦储备体系的成员银行，受财政部货币总监、联储和联邦存款保险公司的监督管理。州银行则不一定要参加联储及联邦存款保险公司。
长期以来，美国的商业银行总数一直保持在1万家以上。其中国民银行占50%左右。但国民银行中有许多是实力雄厚的大银行，如花旗银行(City Bank)、大通银行(Chase Manhattan Bank)、美洲银行(Bank of American)等等。这些银行也是美国主要的国际性大银行。
2.单一银行制度
单一银行制度是在三十年代世界性经济危机后在美国实行的，其目的是为了保证银行经营的安全性。单一银行制度的内容是不允许银行跨州设立分支机构，同时商业银行也不能经营投资银行业务。因此美国商业银行的经营无论是在地域范围还是业务范围上都受到很大限制。
80年代以来，金融自由化的浪潮遍及全球，美国的单一银行制度也受到了很大冲击，商业银行纷纷要求放松这方面的限制以适应日趋激烈'的竞争，有关法律已有所松动，美国商业银行的经营的自由度正在逐步扩大。
3.联邦存款保险公司
美国的联邦存款保险公司是根据1933年的银行法令建立起来的。根据有关法律规定，各银行要向联邦存款保险公司缴纳保险基金，而联邦存款保险公司有责任在投保银行倒闭时保证存款人的财产不致受到损失。此外，该公司还拥有检查监督的权力，成为会员银行的后盾。
三、其他金融机构
除商业银行外，美国还有其他一些金融机构，主要有以下几类：
1.储蓄机构。储蓄机构不是银行，但是能够向商业银行一样吸收存款，并把它作为主要资金来源。储蓄机构的资金原来主要投资于消费领域，但自80年代以来，大量转向其他领域。
储蓄机构主要可分为三类：(1)储贷机构。储贷机构是在联邦或州注册的金融机构，按照法律规定，这些机构的贷款必须大部分用于住房抵押贷款，其管理机构为联邦住宅贷款银行董事会和联邦储蓄和贷款保险公司。储贷机构又可分为合作社和股份公司两种形式。(2)互助储蓄银行。互助储蓄银行是由存款者所拥有的合作存款金融机构。其管理由一个受托人委员会(理事会)任命的管理人员负责。互助储蓄银行的资产主要投放于抵押贷款和抵押贷款证券上，也有相当比重投放于政府证券、公司债券和其他贷款上。(3)信用社。信用社为非盈利性酌合作金融机构，为会员提供个人贷款等银行服务。信用社由会员选出董事会，其他管理人员则由董事会任命。信用社成员必须由有一定联系的人员(如同一公司工作的员工)组成。
2.投资机构。美国的投资机构主要包括以下几类：(1)投资银行公司。美国的投资银行业十分发达，有许多世界著名的投资公司，如美林公司、摩根·斯坦利公司、所罗门兄弟公司等。投资银行公司的基本业务有四类：承购包瘸薪发行证券;经纪和交易;资金管理;其他收费业务。(2)证券经纪与交易公司。这些公司的资产以短期存款和证券、证券信贷(向客户提供购买证券的信贷)和公司股票为主。这些公司又可分为经纪公司和交易公司两种类型。(3)货币市场合作基金，也称货币市场基金，是一种合作基金形式的投资公司，其股票不在市场挂牌，在证券与交易委员会注册。(4)其他投资公司，包括固定信托投资公司、封闭式基金和小企业开发公司等。
3.保险公司。保险公司服务的基本作用是在计划和活动方面给企业和个人提供更高的确定性。为了提供保险，保险公司要持有大量资产。这些资产的持有和现金的流人与流出使保险公司能够起到把资金从一个部门转移到另一个部门的作用，因此也属于金融机构的范畴。保险公司按照业务性质可分为人寿保险公司和财产保险公司两类;按照组织形式又可分为股份公司和合作公司。
除此以外，美国的金融机构还包括财务公司、抵押贷款公司、房地产投资信托公司、金融服务公司等，这些金融机构在美国的金融体系中同样发挥着重要作用。
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银行是以存款、贷款、电汇、储蓄等业务，承担信用中介的金融机构。其主要的业务范围有吸收公众存款、发放贷款以及办理票据贴现等。接下来小编为大家整理了银行业务介绍，希望对你有帮助哦!
Agency salary and social insurance welfare payment businessAgency salary and social insurance welfare business is a business whereby any subordinate institution of ICBC conducts batch inwards transfer through the advanced computer networked system, automatically transfers relevant funds into a savings account designated by a depositor, and pay his/her salary on behalf of the corporate/institutional unit or pay his/her social insurance welfares on behalf of the social insurance authorities.
代发工资、社会保险金业务代发工资、社会保险金业务是指中国工商银行其属下机构，通过先进的电脑联网系统进行批量入账，将有关款项自动转入储户预先约定的储蓄账户上，代理企、事业单位发放工资或代理社会保险局发放社会福利保险金的业务。
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银行账户有两种这主要类型，往来账户和存款账户。接下来读文网小编为大家整理了银行账户的主要类型英文介绍，欢迎大家阅读!
A current account (also called a cheque account) is a convenient and safe method of handling money. Your salary can go straight into your account, and these days more and more people are paid by direct credit instead of in cash. Direct credit means that your employer, or anyone else who wishes to pay you money, can pay the money straight out of their account into yours. Cheques, postal orders and money orders (including International Money Orders) can be paid direct to your account also.
往来账户(也叫支票账户)用于管理资金非常的方便，而且安全。你的薪金可以直接划到你的账户上，最近，越来越多的客户不用现金支付，而是直接入账。直接入账是指你的老板，或任何其他人要付款给你，可以将货币直接从他的账户上支付到你的账户上。支票、邮局汇款单和汇票(包括国际汇票)也可以直接支付到你的账户上。
You can pay your bills by cheque in shops, hotels, airports, restaurants and other places (but not in taxes, for example). You can pay regular bills by direct debit from your account. These regular bills include insurance premiums, rent, rates and hire purchase installments. These regular bills must be for sums of money where the amount remains the same every month during a certain period.
客户可以在商店、旅馆、机场、饭店及其他地方(也有例外，如出租车)用支票支付账单，也可以从你的账户上直接划款，定期支付账单。这些定期账单必须用来支付货币总额，并可以在一段时期内，每个月支付相同的金额。
You can tell your bank, for example, to pay Monarch Insurance Co. £10 per month on the 21st of every month from now until further notice. The bank will pay this automatically, by banker's order (also called standing order) or direct debit. You don't have to post the cheque to Monarch Insurance Co.; you don't have to travel to their office.
例如，客户可以要求银行从现在起在每个月的21号，按月向摩纳卡保险公司支付10美元，直到通知止付时为止。该行可以用本票(也叫约期付款委托书)，或以直接贷记的方式自动支付这笔款项。这样客户就不用向摩纳卡保险公司寄送支票;也不用来回跑了。
With a current account you have the advantage of a cheque book service, which means that you don't have the risk of carrying large amounts of cash with you. You also know where your money goes and where it comes from, because you get a regular statement from your bank, showing debit and credit entries (or payments and receipts respectively), and the balance. Nowadays banks in the UK do not return your cheque with each statement, so it is advisable to keep a record of transactions on the counterfoil or stub.
有了往来账户，客户就可以享受到支票簿服务的便利，也就是说，客户用不着随身携带大量现金，避免了风险。客户还可以了解到款项的去向和来源，因为你可以定期收到银行的对账单，对账单表明借记和贷记的金额(或分别显示收、支金额)，以及余额。目前，英国银行在发送对账单时不附支票，因此，保存好每笔交易记录的支票存根或票根是明智的。
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银行家是以银行业为主业的企业家,银行家的别称为：资本家，投资家。银行家就是指善于把孕育中的商业眼光变成商业现实的人。那么你知道银行家用英语怎么说吗?下面来学习一下吧。
money changer
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银行卡是由商业银行等金融机构及邮政储汇机构向社会发行的具有消费信用、转账结算、存取现金等全部或部分功能的信用支付工具。那么你知道银行卡用英语怎么说吗?下面来学习一下吧。
英国银行卡协会 UK Cards Association
银行卡用途说明 Brief explanation of card usage
美洲银行卡 BankAmericard ; bank americard
使用银行卡支付 Using a bank card payments
银行卡交易明细 Bank card transaction details schedule ;
银行卡组织 Banknet ; bankcard association
银行卡支付系统 Bank Card Payment System
银行卡密码 Bank card password ; Bank cards
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下面读文网小编为大家带来金融英语银行业务情景对话，欢迎大家阅读!
A：Good morning ,welcome to Bank of the USA. How may I help you today?
早晨好，欢迎来到美国银行，我能为你做点什么?
B：Hi,I need to transfer some money to another account. It’s urgent.
你好，我需要将钱转到另一个账号，很紧急。
A：Okay, have you made a wire transfer at our bank before?
好的，你以前在我们银行电汇过吗?
B：No. I’ve never made a transfer before.
没有，我早先没转过。
A：It’s alright, I will take you through the procedure. Are you transferring funds to acompany or an individual account?
好吧，我会指导你如何办手续，你是将钱转到另一个公司账户还是个人账户?
B：A company account. I need to pay a bill.
公司账户，我需要付钱。
A：Okay, I’ll need the name of the company and their bank routing number as well as theirbank’s address and phone number.
好的，我要知道公司的名字和开户号还有他们的银行地址和手机号。
B：I have all the information in this folder.
文件里有所有信息。
A：Well. You’ve come prepared. I have all the necessary materials so we can go ahead andmake the transfer right now. It’s a simple transaction, and we can process it today.
看来你已经准备好了，你已经有必须的材料，现在我们就能转账。这是个简单的手续，我们今天就能办理。
B：Oh, that’s such a relief. I didn’t want the payment to be overdue. Thank you so much.
那让我感到了些宽慰。我不想付款付晚了，非常感谢谢谢。
A：It’s my pleasure.
为你服务是我的荣幸。
以上就是读文网小编为大家带来的金融英语银行业务情景对话，希望对大家的学习有所帮助!
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下面读文网小编为大家带来金融英语办理银行业务情景对话，欢迎大家阅读!
A：May I help you?
我能帮你什么?
B：I'd like to cash this check, please.
我想把这张支票兑现。
A：Do you have an account with us?
请问，您在我方银行有账户吗?
B：Yeah. Here's my identification card.
是的。这是我的身份证。
A：Do you want large or small bills?
你想要大面额的还是小面值的现钞?
B：Actually, I want to buy some traveler's checks.
实际上我想买一些旅行支票。
A：What denomination?
什么面额的?
B：Twenties would be fine.
面值20的就好。
A：Do you want the whole amount in traveler's check?
所有的钱都用来买旅行支票吗?
B：Yes, please.
是的。
以上就是读文网小编为大家带来的金融英语办理银行业务情景对话，希望对大家的学习有所帮助!
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下面读文网小编为大家带来金融英语办理银行业务情景对话，欢迎大家阅读!
A：Good morning, may I help you?
早上好，请问有什么可以帮您?
B：Hello, I want to remit one thousand Yuan to Magnolia Company.
你好，我想给马诺丽亚公司汇一千元钱。
A：Please fill out this form, please.
请您填一下这张表格。
B：OK. Do I put on Magnolia Company for the receiver?
好的。在收款人一项写马诺丽亚公司吗?
A：Yes. You must put on its name and full address.
是的。您必须填写它的名称和完整地址。
B：OK, I see. Here you are. Is that OK now?
好的，知道了。给你。这样行吗?
A：Let me check. Yes. Your one thousand remittance, please.
我看看，可以了。请给我您的一千元汇款。
B：Here you are. What is the rate?
这就是。请问手续费率是多少?
A：This rate is one percent. That will be 10 Yuan.
是百分之一。就是十元。
B：OK, when will this remittance arrive?
好的。这些汇款什么时候能到?
A：Generally it will arrive within a week.
一般来说，一周之内就会到。
B：That's good. Is there anything else?
好的。还有别的什么事情吗?
A：No. That's all. You have to take good care of this copy of this transfer order.
不，没有了。您得保管好这张汇款单。
B：Thanks, I will.
谢谢，我会的。
以上就是读文网小编为大家带来的金融英语办理银行业务情景对话，希望对大家的学习有所帮助!
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英语单词是学英语的基础，多记忆背诵才能学好英语。下面读文网小编为大家带来银行金融必备英语单词，欢迎大家学习!
issuingbank, opening bank 开证银行
advisingbank, notifying bank 通知银行
negotiationbank 议付银行
confirmingbank 保兑银行
payingbank 付款银行
domesticbank 国内银行
overseasbank 国外银行
unincorporatedbank 钱庄
trusteesavings bank 信托储蓄银行
trustcompany 信托公司
financialtrust 金融信托公司
unittrust 信托投资公司
creditunion 合作银行
creditbureau 商业兴信所
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商业银行是一个以营利为目的，以多种金融负债筹集资金，多种金融资产为经营对象，具有信用创造功能的金融机构。主要业务范围包括吸收公众、企业及机构的存款、发放贷款、票据贴现及中间业务等。那么你知道商业银行用英语怎么说吗?接下来跟着读文网小编来学习一下吧。
南洋商业银行 Nanyang Commercial Bank
北京市商业银行 Beijing City Commercial Bank
国有独资商业银行 wholly state-owned commercial banks
商业银行法 Law of Commercial Banks
商业银行实务 Practice of Business Bank
商业银行管理 Commercial Banking Management
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网上银行指银行通过信息网络提供的金融服务，包括传统银行业务和因信息技术应用带来的新兴业务。通过Internet向客户提供开户、查询、对帐、行内转帐、跨行转账、信贷、网上证劵等服务。那么你知道网上银行用英语怎么说吗?接下来跟着读文网小编来学习一下吧。
internet bank
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随着网络以及计算机，手机应用的发展，移动银行的概念与人们的生活更加贴近。那么你知道移动银行用英语怎么说吗?下面跟着读文网小编一起来学习一下吧。
浅谈移动银行 Discussion on Mobile Bank
移动银行概述 Mobile Banking Summarization
移动电子银行 mobile e-bank
移动网络银行 Mobile Banking System
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招商银行，是中国第一家完全由企业法人持股的股份制商业银行，简称招行。由香港招商局集团有限公司创办，是中国内地规模第六大的银行、香港中资金融股的八行五保之一。那么你知道招商银行用英语怎么说吗?接下来跟着读文网小编来学习一下吧。
中国招商银行 China Merchants Bank
招商银行存款 China Merchants Bank Deposit
中国招商银行行长 China Merchants Bank President
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中国农业银行是中国大型上市银行，中国五大银行之一，其总行设在北京。那么你知道中国农业银行用英语怎么说吗?下面和读文网小编一起来学习一下中国农业银行的英语知识吧。
中国农业银行账号
Agricultural Bank of China account
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中国银行全称是中国银行股份有限公司，是五大国有商业银行之一。作为中国国际化和多元化程度最高的银行，在中国内地、香港、澳门、台湾及37个国家为客户提供全面的金融服务。那么你知道中国银行用英语怎么说吗?下面和读文网小编一起来学习一下中国银行的英语说法吧。
中国银行上海分行 shanghai branch of bank of china
中国银行大楼 Bank of China Tower
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