商业银行有哪些业务 商业银行的业务，按资金的来源和运用将其业务划分为资产业务、负债业务、中间业务三类。 1. 什么是负债业务？ 银行的负债业务是形成银行资金来源的业务。银行资金来源主要包括存款、借入款和银行资本等。 2. 什么是资产业务？ 资产业务是指银行运用其吸收的资金，从事各种信用活动，以获取利润的行为。主要包括放款业务和投资业务两大类。 3. 什么是中间业务？ 商业银行在经营资产业务、负债业务的同时，还利用其在机构、技术、资金、信誉和住处等方面的优势，提供一些服务性的业务与之配合。如：结算业务，信托业务等。 （一）保险的基本职能 保险的基本职能是保险原始与固有的职能。关于保险基本职能主要有两种观点，一种观点认为保险的基本职能是分摊损失和补偿损失或给付保险金；另一种观点认为保险的基本职能是经济补偿和保险金给付职能。 经济补偿职能是在发生保险事故、造成损失后根据保险合同按所保标的的实际损失数额给予赔偿，这是财产保险的基本职能； 保险金给付职能是在保险事故发生时保险双方当事人根据保险合同约定的保险金额进行给付，这是人身保险的职能。 （二）保险的派生职能 保险的派生职能是在基本职能的基础上产生的职能。保险的派生职能是融资职能、防灾防损职能。 防灾防损是风险管理的重要内容。保险防灾防损工作的最大特点就在于积极主动地参与、配合其他防灾防损主管部门扩展防灾防损工作。保险防灾防损工作体现于：从承保到理赔履行社会责任；增加保险经营的收益；促进投保人的风险管理意识，从而促使其加强防灾防损工作。 保险的融资职能是保险人参与社会资金融通的职能。其体现在两方面：一方面具有筹资职能；另一方面通过购买有价证券、购买不动产等投资方式体现投资职能。 （三）保险的宏观作用 保险的宏观作用是保险对全社会和国民经济总体所产生的经济效应。具体表现为以下几方面：
英语口语：银行英语情景口语 银行英语口语-新开帐户 What kind of account did you have in your mind? 你想开哪种帐户? Do you like to open a current account? 你想开一个活期存款帐户吗? A deposit or current account? 定期还是活期? Please tell me how you would like to deposit your money. 请告诉我你想存何种户头? There's a service charge for the checking account but no charge for the savings. 支票户头要收服务费，现金户头不收。 Our minimum deposit for a savings account is 100 dollars. 我们储蓄存款的最低存款额是100美圆。 Five yuan is the minimum original deposit. 最低起存款额是5元。 You can open a savings account at any time with an initial deposit of 50 dollars. 你可随时以50美圆的起存额开立储蓄帐户。 Even one yuan is all right.
甚至一元也能够起存。 Here is your pasbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it. 这是你的存折，存取款时请带来。保管好存折，遗失请告诉我们。 I should like to open a current account. 我想开一个活期存款帐户。 I need a checking account so that I can pay my bill. 我需开个支票帐户，这样就能付帐。 We'd like to know how we open a checking-savings account. 我们想知道如何开一个支票储蓄帐户。 I have a checking account here. 我在这里有一个支票存款帐户。 I think I'd like a deposit account. 我想要开个定期存款帐户。 Can I open a current account here? 我能否在这儿开个活期存款帐户? I want to open a deposit account with you. 我要开个储蓄帐户。 I'd like to open a deposit account with you. 我想在你们这儿开个定期存款帐户。
Study English (1.1) A: Oh, hey, you look so worried, what's wrong? B: Um... Well, in fact, it's about my English. A: English? Is there something wrong with your English? B: Yes.Although I am always working hard in my English. I can't get a good mark in the test. A: That's why you are so upset? B: I think so. A: Well, guy, could you listen to my opinions? B: Of course. A: First, you should be absorbed in the class and summarize the main point what the teacher says... B:Yes,I do,But sometimes I can't keep up with teacher, A: Hey, listen to me.You don't need to write down all the things.When you are listening,just write down the long point and only the important parts. B:OK, and what? A:Secondly, you must be abiding and as soon as you meet a problem, go ahead to have the teacher to solve.Only if you do this, you can make it. B: Oh, I will take it from now on and thank you very much. A: That's all right. Likes and dislikes (1.3) A: Do you have any hobbies?What are they? B: I'm interested in reading or other relaxing sports. A: How do you spend your spare time? B: I usually read some books or do so some sports. A: What kind of book you are interested in? B: My favorite books are those of detectives. A: Well, those books are really good.I like them too.Do you think you are introverted or extroverted? B: In fact, I wouldn't call myself extroverted. Sometime I enjoy being by myself very much. But other times, I like sharing activities with others too, especially during these past few years. A: What kind of sports do you like? B: I like almost all sports, and I enjoy both playing and watching.I specially like tennis and mountain climbing. A: What kind of personality do you think you have? B: Well, I approach things very enthusiastically. I reckon, and I don't like to leave anything half-done. It makes me nervous—I can't concentrate on anything else until the first thing is finished. A:Really?Maybe I should learn from you. Oh, I remember I have something to do after a while, so I must say goodbye to you. B:OK, see you next time.
银行英语口语，银行常用英语情景口语对话 1、我想从户头里提出一些钱 May： I’d like to withdraw some money from my account. 我想从户头里提出一些钱。 Clerk： Can I see your passbook and the withdrawal slip, please? 可不可以让我看您的存折及提款单呢？ May： Sure. 当然可以。 Clerk： Let me just make sure. You want to withdraw one thousand dollars? 让我确定一下。您要提1000 美元? May： That’s right. 是的。 2、您要办理什么业务？ Clerk： What can I help you with? 您要办理什么业务？ Denny： I'd like to deposit some money. 我要存钱。 Clerk： How much would you like to deposit? 您要存多少？ Denny： Twenty thousand. 两万。 Clerk： Give me your money and passbook. 把您的钱和存折给我。 Denny： Here you are. 好的。 Clerk： Hold on. Please sign on the deposit receipt. 稍等. 请在这张存款凭条上签一下字。 Denny： OK. 好的。 Clerk： Please take good care of your passbook. 请收好您的存折。 3、帮我查一下卡里现在总共有多少钱吧 Mary： Hello, I'd like to deposit ten thousand RMB. 你好，我要存一万元。 Clerk： Please give me your money and bank card. 请把您的钱和卡给我。 Mary： Can you check the balance in my account? 再麻烦你帮我查一下卡里现在总共有多少钱？ Clerk： Sure, hold on…Please sign on the sheet. 好的，稍等……请在这张单子上签一下字。 Mary： Done, here you are. 签好了，给。 Clerk： There's one hundred thousand now in your account. Please take care of your deposit slip.
英语口语 Jack: Good morning .sir .what can I do for you?琳达:早上好。先生。我能为你做什么呢? Robbie: Good morning .My name is Robbie Stewart. And this is Alex Pappas. 罗比:早上好。我的名字是罗比·斯图尔特。这是亚历克斯·帕帕斯。 Alex: Hi .Good morning. Yesterday we found dog named Gemma.亚历克斯:你好。早上好。昨天我们发现这只名叫Gemma的狗。 Robbie: We have thought many ways to find it is host, but we don't succeed ultimately. 罗比:我们认为许多方法来发现它的主人,但我们不能成功最终。 Jack: Oh, wait a while. You know I must make a record in terms of rule. 琳达:噢,等一会儿。你知道我必须做一个记录。 Robbie: No problem. 罗比:没问题。 Jack: OK .Your name will do Mr. Stewart. Then, please tell me your address? 琳达:好的。你的名字将会做什么,Stewart先生。那么,请告诉我你的地址吗? Robbie: 46 Linden Street, Riverdale. 罗比:林登街46,Riverdale。 Jack: Where did you find the dog? 琳达:你在什么地方找到这条狗的? Alex: Speak exactly , not we found her . It's she found us in Robbie `s house. 亚历克斯:讲到底,不是我们发现她。这是她发现我们在罗比是房子。 Jack: Have you tried calling the number on the collar? 琳达:你试着打领子上的号码吗? Robbie: Yes, but the number is no longer in service . So we only call for you. 罗比:是的,但是号码也不再服务。所以我们只有你的电话。 Jack: And there is no address on the dog tag? 琳达:并没有地址在狗身上的标签? Alex: There is no other information. 亚历克斯:没有其他信息。 Jack: No ID number. Without that, it is hard to find her host.
：在银行，你可能会用到的口语 关于英语那些你不知道的事都在这里 开户 我想开个账户。I’d like to open an account. 这是我的身份证。Here is my ID card. 其他的证件行吗Is other identification OK 你能告诉我怎么办理吗Could you tell me how to do it 你能告诉我开定期账户的程序吗Can you tell me the procedure for opening a time deposit account 开账户我必须存多少钱How much do I have to deposit to open an account 开一个储蓄账户的最低存款额是多少What’s the minimum deposit saving account 开活期账户有服务费吗Is there a service charge if I open a checking account 我想申请一张信用卡。I’d like to apply for a credit card. 我想要存折。I want a bank book. 我现在可以输密码了吗Can I press my pin number now 收手续费吗Is there a handling charge 存取款 我想存钱。I’d like to make a deposit.
有利息吗Is there any interest 利率是多少What’s the interest rate 我需要填写存款单吗Do I need to fill out the deposit slip 我需要填写取款单吗Do I need to fill out the withdraw slip 你能告诉我账户余额吗Could you tell me the account balance 我想把钱转到储蓄账户上。I’d like to transfer money in my savings account. 我想取美元。I want to make a withdraw of dollars. 请给我些零钱。Please give me some change. 能给我兑换块钱零钱吗Can I have change for a fifty 自动取款机在哪Where is the automatic teller machine 挂失与销户 我把存折弄丢了。I lost my passbook. 我是来办理存折挂失的。I’ve come to report the loss of my bankbook. 你们能给我一个新的银行卡吗Can you give me a new bank card 我想销户。I’d like to close my account. 我想把账单先还清，然后再把信用卡账户消掉。I’d like to pay the bills first, and then close this credit card account.
1负债业务 存款业务、借款业务 2资产业务 贷款业务、债券投资业务、现金资产业务 3中间业务 交易业务、清算业务、支付结算业务、银行卡业务、代理业务、托管业务、担保业务、承诺业务理财业务、电子银行业务本章通过负债业务、资产业务和中间业务三大类对银行的主要业务进行介绍。 负债业务是商业银行形成资金来源的业务，是商业银行资产业务和中间业务的重要基础。商业银行负 债主要由存款和借款构成。存款包括人民币存款和外币存款两类，而借款包括短期借款和长期借款两大类。 存款是商业银行最主要的资金来源，存款业务也是商业银行的传统业务。本章对银行负债业务的介绍主要针对存款业务。 资产是银行过去的交易或事项形成的、由银行拥有或控制、预期会给银行带来经济利益的资源。商业 银行的资产主要包括贷款、债券投资和现金资产三大类。贷款是商业银行最主要的资产，也是最主要的资 金运用。本章对银行资产业务的介绍主要针对贷款业务。 中间业务是指不构成商业银行表内资产、表内负债，形成银行非利息收入的业务，包括交易业务、清 算业务、支付结算业务、银行卡业务、代理业务、托管业务、担保业务、承诺业务、理财业务和电子银行业务等。 本章包括负债、资产、中间业务三节内容。 3.1负债业务 商业银行的负债主要由存款和借款构成。 存款包括人民币存款和外币存款两大类。 人民币存款：又分为个人存款、单位存款和同业存款，外币存款又分为个人外汇存款和机构外汇存款。 借款：包括短期借款和长期借款两大类。短期借款是指期限在一年或一年以下的借款。主要包括同业拆借、证券回购协议和向中央银行借款等。长期借款是指期限在一年以上的借款，一般采用发行金融债券
甚至一元也可以起存。 Here is your pasbook. Please bring it back when you deposit or withdraw money any time you like. Keep it well and inform us whenever you lose it. 这是你的存折，存取款时请带来。保管好存折，遗失请告诉我们。 I should like to open a current account. 我想开一个活期存款帐户。 I need a checking account so that I can pay my bill. 我需开个支票帐户，这样就能付帐。 We 'd like to know how we open a checking-savings account. 我们想知道如何开一个支票储蓄帐户。 I have a checking account here. 我在 这里有一个支票存款帐户。 I think I 'd like a deposit account. 我想要开个定期存款帐户。 Can I open a current account here? 我能否在这儿开个活期存款帐户？I want to open a deposit account with you. 我要开个储蓄帐户。 I'd like to open a deposit account with you. 我想在你们这儿开个定期存款帐户。 Could you tell me the difference between a savings account and a checking account? 请告诉我储蓄存款与支票存款的区别好吗？ Please tell me the procedure for opening a savings account. 请告诉我开个储蓄帐户需要什么手续。 Will 100 yuan be enough for a minimum deposit? 100 元作最低存款额够吗？ I'd like to know whether a 200 yuan deposit will be enough for opening a checking account. 我想知道开一个支票帐户200 元存款是否够。 Could you tell me how to operate this account? 请告诉我如何经管这个帐户好吗？Is there any minimum for the first deposit? 第一次储蓄有最低限额吗？ How much does each account cost? 每个帐户要花多少钱？ Useful Phrases current deposit, current account 活期存款 fixed deposit, fixed account 定期存款 fixed deposit by installments 零存整取 joint account 存款帐户 to ope n an acco unt 开户头 银行英语口语-存款 How much do you want to deposit with us? 你想在我们这存多少？ How much do you wish to pay into your account? 你希望在你的户头上存多少？ How much money do you plan to keep in your account on a regular basis? 你计划在你的户头上定期存放多少钱？
英语口语情景对话 一、祝愿、祝贺和应答（Good wishes, congratulations and responses） 1.- Well done and congratulations to you. - Thanks very much. 2.- I hope you‘ll succeed in everything. - So do I. 3.- I wish you success. - Thank you. 4.- We send you our best wishes. - Thank you very much. 5.- Happy new year ! - Happy new year! (The same to you.) 6.- A merry Christmas to you. - Thank you. 7.- I hope you‘ll have a good time. - Thank you. 8.- Happy birthday! - Thank you. 二、邀请和应答（Invitations and responses） 1.- Would you like to come to the party? - Oh yes, thank you. 2.- I hope you can come to the dance next Saturday. - I‘m sorry, but I can‘t. 3.- Will you go dancing with us? - Of course. I‘ll be glad to. 4.- Will you come to our English Evening? - Yes, thank you. 5.- Would you please give us a talk on English Learning? - OK. When? 6.- You and your friends must come over to my house and see mooncakes. - OK. Thank you very much. 三、表示同意和不同意（Expressing agreement and disagreement） 1.- I think the shop is closed at this time of day. - No, I think it‘s open. 2.- I think foreign languages are more interesting than science. - I really can‘t agree with you. I prefer science. 3.- I think I shall read a book instead. - Good idea. That‘s much better than watching a bad TV Programme. 4.- I don‘t think that it‘s true. He‘s always telling strange stories. - I know. But this time I can‘t decide if he is right or not.
第三章银行基础业务 1. 根据《商业银行个人理财业务管理暂行办法》的规定，保证收益理财计划或相关产品中高于同期储蓄存款利率的保证收益，（）。× A 不受限制 B 应征得监督机构批准 C 属违规经营 D 应是对客户有附加条件的保证收益 正确答案： D 2. 下列不属于商业银行中间业务的是（）。× A 同业存放 B 结算业务 C 代理业务 D 保管箱业务 正确答案： A 3. 申请房地产开发贷款必须“四证”齐全，四证是指（）。√ A 国有土地使用证、建设用地规划许可证、建设工程施工许可证、建设工程规划许可证 B 国有土地使用证、建设用地规划许可证、建设工程规划许可证、商品房预售许可证 C 国有土地使用证、农村土地承包经营证、建设工程规划许可证、建筑工程施工许可证 D 国有土地使用证、环境影响评价报告书、建设工程规划许可证、建筑工程施工许可证 正确答案： A 4. 根据《项目融资业务指引》，贷款人可以根据需要，将（）为贷款设定质押担保。√ A 为项目所投保的商业保险的第一顺位保险金请求权 B 符合条件的项目资产 C 项目发起人持有的项目公司股权
D 项目批准文书 正确答案： C 5. 商业银行按照约定条件向客户保证本金支付，本金以外的投资风险由客户承担，并依据实际投资收益情况确定客户实际收益的理财计划是（）。√ A 固定收益理财计划 B 非保本浮动收益理财计划 C 保本浮动收益理财计划 D 保证收益理财计划 正确答案： C 6. 下列金融市场中，（）是商业银行之间进行短期资金融通的市场。√ A 资本市场 B 股票市场 C 银行同业拆借市场 D 长期信贷市场 正确答案： C 7. （）指的是商业银行为保证客户在银行为客户对外出具具有结算功能的信用工具，或提供资金融通后按约履行相关义务，而与其约定将一定数量的资金存入特定账户所形成的存款类别。在客户违约后，商业银行有权直接扣划该账户中的存款，以最大限度地减少银行损失。√ A 定期存款 B 活期存款 C 单位协定存款 D 保证金存款 正确答案： D 8. 债券回购的最长期限为（）。√ A 6个月
银行常用英语口语情景对话 我收到了你们银行的汇款通知。 A:Could I take a look at it, please? Let me just check these details ... right.请让我看一看，好吗?让我检查一下内容……没错。 B:Mr CK Chen contacted me this morning and asked me to come in for the remittance.今天早上CK Chen先生与我联系，让我来接收汇款。 A:I've got the details here. 10,000 RMB sent by Mr CK Chen from Guangzhou. Could I see some ID? You passport, for example?我已经在这儿查到了详情。 CK Chen先生从广州汇来10000元。 我能看一下身份证件吗?比如，您的护照?B:Here you go. Can I deposit some into my account and take some in cash? I need 1,000 RMB for my expenses, you see.给你。 我能存一些到我的账户并且取一些现金吗?你瞧，我需要1000元来应付我的日常开销。 A:That's no problem. Could you please sign here? Here's the 1,000 RMB in cash,your passport back, and the remaining balance has been deposited in your account.没问题。 您能在这里签字吗?这是1000元的现金，护照还给您，余额已经存进您的账户了。 银行常用英语口语对话(二)A:Hello, you seem a little lost. Can I help
小学英语口语情景对话 Company number：【WTUT-WT88Y-W8BBGB-BWYTT-19998】
小学英语口语情景对话情景一 模板对话： Is this your football Yes, it is. Thank you. May I use it Please! Sure! No! it isn't. It is my hat. Here you are. Thank you very much. 对话一： Robbie, is this your football Yes it is. Thank you. Is this your hat, Robby Yes it is. thank you . 对话二： Is this your nice cake Yes it is. May I use it Please! thank you. Is this your ink bottle Yes it is. May I use it Sure. 对话三： Is this your hat, Mr White No! it isn't. Is this your football No! it isn't. 对话四： Is this your hat Yes it is. It is my hat. Here you are.
Thank you very much! Is this your glass No it isn't It is my glass. Here you are. Thank you very much! 情景二 模板对话： What's this It's a cake. What's that It's an orange. Are you hungry Oh! nice. May I have some Excuse me! Is that your apple May I have it 对话一： What's this Edda It's a cake. What's that It's an orange. 对话二： Edda! are you hungry Yes, what's this It's a cake. Oh! nice. 对话三： Mom, What's this It's a melon. May I have some Of course. 对话四： Excuse me, Is that your apple May I have it Please!
·银行柜面英语口语- Tell me the current rate for RMB, please. 请告诉我人民币的现价。 What's your selling rate for RMB yuan in notes today? 你们今天人民币现钞的售价是多少？ What's the dollar going for today? 美圆今天的售价是多少？ Our buying rate for notes is 523 yuan for 100 dollars. 我们100美圆的现钞买入价是523元。 It's 200 French francs at today's selling rate. 今天的卖出价是200法国法郎。 The buying rate of U.S. dollar notes is 460 yuan per hundred dollars. 美圆现钞买入价是100美圆付460元。 Useful Phrases buying rate 买进价格 selling rate 卖出价格 And how much will it be in Japanese currency? 换成日本币是多少？ How much would I get for 300 Japanese yen? 300日圆可兑换多少钱？ I'd like to know the exchange rate for German marks. 我想知道德国马克的兑换率。 What rate are you giving? 你们提供的兑换率是多少？ What's the exchange rate today? 今天的兑换率是多少？ Please tell me what you would give me for my U.S. dollars. 请告诉我这些美圆可以兑换多少钱。 Please tell me the current rate for sterling. 请告诉我英国货币的现行兑换率。 If you'll wait a moment, I'll find out the rates of exchange. 请等一会儿，我查一下兑换率。 Please wait a moment. I'll find out the exchange rate between U.S. dollars and RMB. 请等一会儿，我查一下美圆对人民币的兑换率。 It's 470 yuan for 100 dollars. 100美圆可兑470元。 The exchange rate today is 200 yen to the pound. 今天的兑换率是一英镑可兑200日圆。 The rate for traveler's cheques is 300 yuan against 100 dollars. 旅行支票的兑换率是100美圆兑300元。 These dollars are worth 1,000 yuan.
英语口语情景对话，职场常用英语句型大盘点 外企职员必备的一项基本技能。很多员工头疼自己的英文过不了关，一碰到要用英文进行文书或是要和老外进行交流就六神无主，今天小编特地为大家搜罗了一些经典且常用的句型，大家不妨做个有心人收藏着，莫到用时方恨少呢！ 1. I am writing to confirm /enquire/inform you… 我写信时要确认/询问/通知你… 2. I am writing to follow up on our earlier decision on the marketing campaign in Q2. 我写信来追踪我们之前对于第二季度营销活动的决定。 3. With reference to our telephone conversation today… 关于我们今天在电话中的谈话... 4. In my previous e-mail on October 5… 先前在10月5日所写的信… 5. As I mentioned earlier about… 如我先前所提及关于… 6. As indicated in my previous e-mail… 如我在先前的信中所提出… 7. As we discussed on the phone… 如我们上次在电话中的讨论…
8. From our decision at the previous meeting… 如我们在上次会议中的决定… 9. As you requested/per your requirement… 按照你的要求… reply to your e-mail dated April 1，we decided… 回答你在4月1日写的信，我们决定… 今天我们要讲的习惯用语都是以thin这个单词为主。Thin就是瘦，或者是很薄。要是人们有选择的话，恐怕许多人都喜欢瘦一点，而不愿意太胖。但是，今天我们要讲的前两个习惯用语都包含消极的意思。 1. wear thin 打折扣;逐渐消失 Wear在这里的意思是某一样东西在一段时间里，它的功能和价值在逐步降低，也就是中文里说的损耗。这可以指具体的东西，也可以用在其他方面。举例来说吧。 例句-1：Your patience with another person may wear thinif he keeps doing something you don't like. 要是一个人老是做你不喜欢的事，那你对他就会越来越没有耐心。 我们再来举一个例子。要是一个人问你借钱，他保证在一个月后还给你。但是，到了时候他没有还。而且还不断地找借口，拖延不还。过了半年，你对他实在没有耐心了，于是你对他说： 例句-2：Joe, remember that money you borrowed six months ago. You told me you'd pay it back in 30 days. But you keep finding reasons not to return it. Now I really need it back, and I must say that all your excuses for delay are beginning to wear thin. Joe, 记得你六个月前问我借的钱吧。当时你说你一定会在一个月后还给我。
English manual Saying hello 打招呼 1.Good morning/afternoon/evening. 早上好！（下午好/晚上好） 2.Hello/Hi./Hey. 你好（嗨/嘿。） 3.How are you? 你好吗？ 4.(I’m)great. Thank you./Thanks. 很好，谢谢！ 5.(I’m)just fine. 还可以。 6.(I’m)not bad. 还不错。 7.I’m OK. 我很好。 8.I’m doing really well. 我很好。 Saying goodbye 说再见 1. Good-bye./Bye./Bye-bye. 再见。 2. Good night. 晚安。 3. See you later/tomorrow. 回头见！/明天见！ 4. Have a good evening/a nice day. 祝你有一个愉快的夜晚 （一天） Introducing yourself 介绍自己 1. Hi. My name is Tom. 你好，我叫Tom。 2. I’m Tom. 我是Tom。 3.It is nice to meet you, Tom. 见到你很高兴，Tom。
Introducing someone 介绍某人 1. Tom, this is Helen. Tom，这是Helen。 2. Hi, Tom. It’s nice to meet you. 嗨，Tom！见到你很高兴。 3. Pleased/Good to meet you. 很高兴见到你。 Asking personal information 交换个人信息 1. What’s your name，please? 请问你叫什么名字？ 2. What’s your surname? 你姓什么？ 3. Where are you from? 你是哪儿的人？ 4. Can I have your phone number? 能给留个您的电话号码吗？ 5. How’s everything? 你怎么样？ Asking about countries, nationalities, and languages 询问国家，国籍和语言1. -Are you from England? 你是英国人吗？ -Yes, I am. 是的。 -No, I’m not. I’m from New Zealand. 不是，我是新西兰人。2. -Where is he from? 他是哪里人？ -He’s from America. 他是美国人。