银行相关背景知识介绍

更多资料请访问.(.....)Part 1 Something About the Bank 银行相关背景知识随着国际间政治、经济、文化等各个领域交流的不断扩大，国内改革开放政策的日益深入，银行在人们的日常生活中作用越来越大。

不管是在国内还是在国外，同银行打交道已经成为人们生活中司空见惯的事。

西方国家的银行体系非常发达，其数量之多，效率之高，服务范围之广，无不让人感到现代文明带给人们的种种方便和优越。

电脑已运用于各项银行业务，储户可在全国各地同一银行支行办理各项业务。

而且所有的银行都设有自动存取机，就是auto-bank，设在银行门口，各个街区的主要大街，地铁站，超市旁。

如果你外出不方便携带大笔款项，只需将你的存折或银行信用卡随身带上，就能随时随地存取现款了。

这样既方便又安全。

先来了解一下国外银行的一些业务常识。

首先，去银行之前，先要了解银行的营业时间。

英美银行一般在早上9：30开始营业，下午4点关门。

每周五天工作制，周六周日休息。

到了银行，先填存款或取款单。

不管有几个人，都要自觉排队。

在别人存款或取款时，你必须站在离他一两米远的地方等后，千万不要围在窗口或别人身旁。

听到营业员叫时，再过去办理业务。

如：I'd like to withdraw $300 from my account. 我想取300元钱。

或者I want to deposit $ 200 in my account. 我想存200美元。

如果你想在这家银行开户，就可以这样说：May I open an account here, please? 我想开户。

营业员就会问：What type of account? 开哪一类的账户？英美银行业务又很多种，如：活期存款账户，就是：checking account；定期账户，term/fixed deposit 等等。

在国外短期居留的人一般来说办一个储蓄帐户就行了。

这种账户既方便、安全又实惠，因为能获得一定的利息收入，其他形式的账户一般没有利息，而且每当你开出一张支票，银行还要扣你的服务费，也就是service charge. 储蓄帐户又两种主要形式，一种是(daily interest) savings account /current account. 相当于我国的活期储蓄，可以随时支取，而且有利息。

另一种是premium savings account或term (fixed) deposit, 相当于我国的定期储蓄，利息是最高的。

还有一点就是在办理开户手续时，营业员一定会让你留下亲笔签名，signature，这是今后核对的重要依据，所以签名最好是信手写来，不要一笔一划，以防被别人模仿，给自己造成经济损失。

办完开户手续后，一般来说定期储蓄当场就可拿到存单。

活期储蓄一般先给一本临时存折，过一两周后就会收到银行寄给你的塑料卡，这张卡上用钢印打有你的名字和账号，你就可以用它办理你的存取款业务了。

为了安全起见，你应该记住你的存折密码，然后将其销毁，以防不测。

Useful Words and 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 联名存款帐户to open an account 开户头to close an account, to clear an account 结清to draw money 取款drawing-out slip 取款单the number slip 号码牌a withdrawal form 取款单to fill in the receipt in duplicate 一式两份填这张收据teller, cashier 出纳员buying rate 买进价格selling rate 卖出价格exchange table, conversion table 汇兑换算表foreign exchange 外汇exchange rate 外汇率conversion rate 折合率foreign exchange restriction 外汇限额foreign exchange quotations 外汇行情to check the rate for sb. 查牌价currency, money 货币money changing 兑换货币an exchange form 兑换单bank note 钞票note of large denomination 大票note of small denomination 小票small change 零钱subsidiary money 辅币nickel piece 镍币plastic currency notes 塑料钞票convertible money 可兑换（黄金）纸币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account number 帐目编号depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机to deposit 存款deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折credit card 信用卡principal 本金overdraft, overdraw 透支to counter sign 双签to endorse 背书endorser 背书人to cash 兑现to honor a cheque 兑付to dishonor a cheque 拒付to suspend payment 止付cheque,check 支票cheque book 支票本order cheque 记名支票bearer cheque 不记名支票crossed cheque 横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根cash cheque 现金支票traveler's cheque 旅行支票cheque for transfer 转帐支票outstanding cheque 未付支票canceled cheque 已付支票forged cheque 伪支票Bandar's note 庄票，银票banker 银行家president 行长savings bank 储蓄银行Chase Bank 大通银行National City Bank of New York 花旗银行Hongkong Shanghai Banking Corporation 汇丰银行Chartered Bank of India, Australia and China 麦加利银行Banque de I'IndoChine 东方汇理银行central bank, national bank, banker's bank 中央银行bank of issue, bank of circulation 发行币银行commercial bank 商业银行，储蓄信贷银行member bank, credit bank 储蓄信贷银行discount bank 贴现银行exchange bank 汇兑银行requesting bank 委托开证银行issuing bank, opening bank 开证银行advising bank, notifying bank 通知银行negotiation bank 议付银行confirming bank 保兑银行paying bank 付款银行associate banker of collection 代收银行consigned banker of collection 委托银行clearing bank 清算银行local bank 本地银行domestic bank 国内银行overseas bank 国外银行unincorporated bank 钱庄branch bank 银行分行trustee savings bank 信托储蓄银行trust institution 银行的信托部credit department 银行的信用部neighborhood savings bank, bank of deposit 街道储蓄所credit union 合作银行credit bureau 商业兴信所self-service bank 无人银行land bank 土地银行construction bank 建设银行industrial and commercial bank 工商银行bank of communications 交通银行mutual savings bank 互助储蓄银行post office savings bank 邮局储蓄银行mortgage bank, building society 抵押银行industrial bank 实业银行home loan bank 家宅贷款银行reserve bank 准备银行chartered bank 特许银行corresponding bank 往来银行merchant bank, accepting bank 承兑银行investment bank 投资银行import and export bank (EXIMBANK) 进出口银行joint venture bank 合资银行credit cooperatives 信用社clearing house 票据交换所。

Part 2 Open An Account 开设银行账户Dialogue Script 1 对话原文 1Peter: Hi, Jenny. You look kind of worried. What's the matter? Jenny: Oh, so good to see you! I just got my first scholarship payment. Peter: That's great.Jenny: Yes, but instead of cash, I got a check. I don't know what to do with it. I can't buy anything with a check, can I?Peter: No, you can't. First, you need to deposit the check in a bank, then pay your bills by check and get some cash with your ATM card.Jenny: But I don't have either check or an ATM card. It's so inconvenient! Peter: It isn't. Everything is managed by a computer network. If you open an account in a local bank, you can deposit or get money from any ATM all over the city or the country; or even around the world, for that matter. We have three or four ATM machines right here on the campus. You can even get free software from the bank and pay your bills online. So it's actually very convenient.Jenny: I really appreciate the information. I'll go to open an account right now.Peter: Don't forget to take your social security card. You do have one, don't you?Jenny: Yes, I do. As soon as I arrived in the States, a friend helped me apply for one from the social security office, but I never knew what it was for.Peter: It's for identification. When you picked up your paycheck, didn't they ask for your social security number?Jenny: Oh, yes, they did. But I couldn't remember the number so I had to fish around in my bag to find the card.Peter: Well, I'd learn the number by heart if I were you. You'll need it pretty soon.Jenny: OK, I see.Peter: Good luck at the bank. See you later.Jenny: Thanks for your help, bye.讲解：1. 在这段对话中，Peter建议Jenny去银行开一个账户，这样用起钱来会比较方便。