银行英语：业务例文和结算用语

1. 现金业务：cash business2. 转账业务：transfer business3. 汇兑业务：currency exchange business4. 委托收款：commission receivables5. 发放贷款：loans6. 贷款收回：loan recovery7. 贷款展期：loan extension8. 办理银行汇票：apply for bank drafts9. 收息：interest10 托收：collection 其他相关：帐目编号account number 存户depositor 存款单pay-in slip 存款单 a deposit form 自动存取机 a banding machine 存款deposit 存款收据deposit receipt 私人存款private deposit 存单certificate deposit 存折deposit book 信用卡credit card 本金principal 透支overdrafts overdraw 双签 a counter sign 背书to endorse 背书人endorser 兑现to cash 兑付to honor a cheque 拒付to dishonor a cheque 止付to suspend payment 支票cheque ,check 支票本cheque book 记名支票order cheque 不记名支票bearer cheque 横线支票crossed cheque 空白支票blank cheque 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 company 信托公司financial trust 金融信托公司unit trust 信托投资公司trust institution 银行的信托部credit department 银行的信用部commercial credit company(discount company) 商业信贷公司(贴现公司) 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money shop, native bank 钱庄credit cooperatives 信用社clearing house 票据交换所public accounting 公共会计business accounting 商业会计cost accounting 成本会计depreciation accounting 折旧会计computerized accounting 电脑化会计general ledger 总帐subsidiary ledger 分户帐cash book 现金出纳帐cash account 现金帐journal, day-book 日记帐，流水帐bad debts 坏帐investment 投资surplus 结余idle capital 游资economic cycle 经济周期economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条economic crisis 经济危机economic recovery 经济复苏inflation 通货膨胀deflation 通货收缩devaluation 货币贬值revaluation 货币增值international balance of payment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际货币制度the purchasing power of money 货币购买力money in circulation 货币流通量note issue 纸币发行量national budget 国家预算national gross product 国民生产总值public bond 公债stock, share 股票debenture 债券treasury bill 国库券。

银行业务英语Ourminimumdepoitforaavingaccounti100dollar.我们储蓄存款的最低存款额是100美圆。

Fiveyuanitheminimumoriginaldepoit. 最低起存款额是5元。

Evenoneyuaniallright. 甚至一元也可以起存。

Ihouldliketoopenacurrentaccount. 我想开一个活期存款帐户。

IneedacheckingaccountothatIcanpaymybill. 我需开个支票帐户，这样就能付帐。

We"dliketoknowhowweopenachecking-avingaccount.我们想知道如何开一个支票储蓄帐户。

Couldyoutellmethedifferencebetweenaavingaccountandacheckinga ccount请告诉我储蓄存款与支票存款的区别好吗？Ihaveacheckingaccounthere. 我在这里有一个支票存款帐户。

IthinkI"dlikeadepoitaccount. 我想要开个定期存款帐户。

CanIopenacurrentaccounthere 我能否在这儿开个活期存款帐户？Iwanttoopenadepoitaccountwithyou.我要开个储蓄帐户。

I"dliketoopenadepoitaccountwithyou.我想在你们这儿开个定期存款帐户。

Pleaetellmetheprocedureforopeningaavingaccount.请告诉我开个储蓄帐户需要什么手续。

Will100yuanbeenoughforaminimumdepoit 100元作最低存款额够吗？I"dliketoknowwhethera200yuandepoitwillbeenoughforopeningacheckin gaccount.我想知道开一个支票帐户200元存款是否够。

银行业务英语account number 帐号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Citibank 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 company 信托公司financial trust 金融信托公司unit trust 信托投资公司trust institution 银行的信托部credit department 银行的信用部commercial credit company(discount company) 商业信贷公司（贴现公司）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money shop, native bank 钱庄credit cooperatives 信用社clearing house 票据交换所public accounting 公共会计business accounting 商业会计cost accounting 成本会计depreciation accounting 折旧会计computerized accounting 电脑化会计general ledger 总帐subsidiary ledger 分户帐cash book 现金出纳帐cash account 现金帐journal, day-book 日记帐，流水帐bad debts 坏帐investment 投资surplus 结余idle capital 游资economic cycle 经济周期economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条economic crisis 经济危机economic recovery 经济复苏inflation 通货膨胀deflation 通货收缩devaluation 货币贬值revaluation 货币增值international balance of payment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际货币制度the purchasing power of money 货币购买力money in circulation 货币流通量note issue 纸币发行量national budget 国家预算national gross product 国民生产总值public bond 公债stock, share 股票debenture 债券treasury bill 国库券debt chain 债务链direct exchange 直接（对角）套汇indirect exchange 间接（三角）套汇cross rate, arbitrage rate 套汇汇率foreign currency (exchange) reserve 外汇储备foreign exchange fluctuation 外汇波动foreign exchange crisis 外汇危机discount 贴现discount rate, bank rate 贴现率gold reserve 黄金储备money (financial) market 金融市场stock exchange 股票交易所broker 经纪人commission 佣金bookkeeping 簿记bookkeeper 簿记员an application form 申请单bank statement 对帐单letter of credit 信用证strong room, vault 保险库equitable tax system 等价税则specimen signature 签字式样banking hours, business hours 营业时间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to fill in the receipt in duplicate 一式两份填这张收据teller, cashier 出纳员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1、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。

银行英语知识点总结在银行工作中，英语是一种非常重要的语言，因为在国际金融领域，大部分的交流都是使用英语进行的。

下面是一些银行英语知识点的总结，希望对需要了解这方面知识的人有所帮助。

一、银行常用英语词汇1. Account - 账户2. ATM (Automated Teller Machine) - 自动取款机3. Bank statement - 银行对账单4. Cash - 现金5. Credit card - 信用卡6. Deposit - 存款7. Interest - 利息8. Loan - 贷款9. Overdraft - 透支10. Withdrawal - 取款二、银行业务英语表达1. Open an account - 开立账户2. Close an account - 关闭账户3. Deposit money - 存款4. Withdraw money - 取款5. Apply for a loan - 申请贷款6. Pay interest - 支付利息7. Transfer money - 转账8. Exchange currency - 兑换货币9. Check balance - 查询余额10. Reconcile account - 对账三、银行交易英语1. Can I have a bank statement, please? - 我可以要一张银行对账单吗？2. I'd like to deposit this check into my account. - 我想把这张支票存入我的账户。

3. What's the balance in my account? - 我的账户余额是多少？4. I'd like to transfer $500 to my friend's account. - 我想把500美元转到我朋友的账户。

5. I'd like to cash this traveler's check. - 我想兑换这张旅行支票。

银行术语的中英文对照(2013-01-20 17:28:52)转载▼标签：杂谈王明珂：人类社会的三个层面：经济生业、社会结群与文化表征作者：人类学乾坤理性中的热情—德国美酒作者：denis如何在德国杜塞尔多夫办理英国签证作者：鹏鹏周游世界银行术语的中英文对照作者：microctrl银行术语的中英文对照银行卡类型Card Type银行卡号Card No借记卡Debit Card贷记卡Credit Card电话银行IVR (Interactive Voice Response:交互语音应答系统)证件号码I.D. No注册Enrollment证件I.D.新密码New Password确认密码Confirm Password密码重置Ret Password账户管理Account management账户查询Account enquiry账户概览Account summary账户详情Account detail交易明细查询Transaction detail enquiry转账Transfer定期存款Time deposit定期账户Time deposit活期账户Savings Account活期一本通Passbook of Current Savings普通活期存折Regular Passbook saving定期一本通Passbook of Time Deposit零存整取Installment Time Deposit教育储蓄Education Saving存本取息Interest Withdraw Time Deposit准贷记卡Quasi Credit Card账号Account No./Acc. No.别名Nickname账号状态Acc. Status开户网点Acc. Open网点Branch开户日期Open Date卡号Card No.卡状态Card Status起始日期Start Date结束日期End Date交易日期Transaction Date币种Currency钞/汇Cash/Remit当前余额Current Balance可用余额Available Balance余额Balance余额查询Balance Enquiry存单序号CD No.收入金额credit支出金额Debit业务摘要Memo人民币RMB美元USD乙钞B Cash转账明细Transfer details预约转账管理Scheduled transfer management 转出账号Transfer Out Acc.转出账号地区Transfer Out Region转入账号Transfer In Acc.转入账号地区Transfer In Region钞汇标志Cash/Remit转账金额Transfer Amount即时转账Immediate (Transfer)指定日期转账Sehedule (Transfer)转账日期Transfer Date备注Memo港币HKD英镑GBP欧元EUR日元JPY加拿大元CAD澳大利亚元AUD瑞士法郎CHF新加坡元SGD现钞Cash现汇Remit手续费Service Charge转账类型Transfer Type转账状态Transfer Status定期存款支取Time deposit withdraw整存整取Lump-sum Time Deposit通知存款Call Deposit零存整取续存Renew Time Deposit教育储蓄续存Renew Education Saving定活两便Consolidated Time&Savings转存Repeating转存方式Transfer Type储种Type存期Period自动转存Repeating业务品种Class续存金额Renew Amount信用额度Credit Limit可用额度Available Credit预约日期Submit Date指定转账日期Schedule Date提交Submit整存整取支取Lump Sum Time Deposit Withdraw通知存款支取Call Deposit Transfer存折Passbook存单CD存本取息（利息）支取Transfer interest from interest withdraw time deposit 定活两便支取Consolidated time&Savings transfer信用卡查询Credit card enquiry信用卡概览 Credit Card Summary信用卡详细信息Credit Card Detail信用卡未出账单明细 Credit Card unsettled bills信用卡交易明细 Credit Card Transaction Detail信用卡月结单查询Credit Card Monthly Statement Enquiry查询月份Equiry month结单日期 Statement Date贷记利息Interest Rate本币上月余额RMB Previous month balance本币本月余额RMB Current month balance美元上月余额USD Previous month balance美元本月余额USD Current month balance本币最低还款额RMB Minimal Payment本币全额金额RMB Total amount due外币最低还款额Foreign Currency Minimal Payment外币全额金额Foreign Currency Total Payment账户信用额度Credit limit可用额度Available Credit原交易金额Original Amount交易地点Transact at本币存入合计RMB total Credit外币存入合计Foreign Currency total Credit本币支出合计RMB total Debit外币支出合计Foreign Currency total Debit上一结单日Previous Settlement Date还款到期日Next Payment Date信用积分Credit Point上次未还金额Previous Period unpaid amount上次还款金额Previous Period paid amount需立即缴交的过期款项/超额款项Overdue/Overlimit amount 全额还款总额Total due amount最低还款总额Minimum Payment Amount全额购汇还款总额Total foreign currency due amount最低购汇还款总额Mini foreign currency payment amount购汇牌价(人民币/美元) Exchange Rate (RMB/USD)人民币还款RMB Payment美元还款USD Payment还款方式Payment method记账日期Booked Date上次结算日Previous settlement Date信用卡还款Credit card payment自助还款服务Self Service Payment到期还款日Due Date全额还款金额Total Due最低还款金额Minimal Payment Amount还款种类Payment Type付款账号Payment acc no.付款金额Payment amount申请信用卡Credit card application美元、人民币双币种卡USD、RMB dual currency card称谓Title姓名拼音Name(Pingyin)出生日期Date of Birth证件类别I.D. Type证件号码I.D. NO.国籍Nationality婚姻状况Marital Status教育状况Education住宅性质Resident Type住宅地址Address居住年限Period of Resident住宅邮编Zip Code住宅电话Resident Phone区号Region电话号码Phone no.分机号ext手机号码Mobile Phone电子邮箱Email供养人数House hold父亲姓名Father's name母亲姓名Mather's name公司名称Company name公司地址Company add.公司邮编Company Zip Code公司电话Company phone行业性质Industry经济类型Organization职位Position现职年限Years employed现职固定月收入Monthly Salary年收入总额Year Income储蓄账户saving account个人资产信息Personal asset data账单缴付Bill Payment缴费地区payment region缴费类型payment type缴费日期payment Date缴费详细信息payment detail截止日期Due Date交费日期Transfer Date机主姓名owner name手机正常话费basic fee信息费Information fee交费总额Total amount缴费账号Payment acc. No.财经资讯Financial Information浏览金融信息browse financial information金融信息设置 financial information setting个人设定Personal Setting账户维护Account maintenance会话超时设置Session timed setting更新个人资料Update personal data更改密码Change password个性化session超时时间Customizing session inactivity time limit 超时时间Limit原密码original password网上客服Customer sevices安全电子邮件security email收件箱Inbox发邮件Send mail发件箱 Outbox标题subject发信人sender接收日期receive date删除delete邮件详细内容mail content发送日期send date网上挂失online Suspend account账户挂失Suspend account挂失多个账户Suspend multiple accounts退出LogoutSAVING ACCOUNT 和CURRENT ACCOUNT 有什么不同？SAVING ACCOUNT 是指储蓄账户，CURRENT ACCOUNT 是指结算户（境外银行也指往来户口或支票户口），在国内，早期的账户有储蓄户和结算户之分，储蓄户只允许现金的收付，不得转账；而结算户两者都可以，最近人民银行出了指引，不再区分储蓄户和结算户，以前开立的储蓄户也会自动转换成结算户了。

Chartered Bank of India, Australia and China中央银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 company 信托公司 financial trust 金融信托公司unit trust 信托投资公司 trustinstitution 银行的信托部 creditdepartment 银行的信用部 商业信贷公司（贴现公司） self-service bank 无人银行 land bank 土地银行account number 帐号 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 Hongkong Shanghai Banking Corporationcheque,check 支票 cheque book 支票本 order cheque 记名支票 bearer cheque 不记名支票 crossedcheque 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 Citibank花旗银行 汇丰银行 麦加利银行Banque de I'IndoChine 东方汇理银行central bank, national bank, banker's bank 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dis co unt 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 commercial credit company(discount company) neighborhood savings bank, bank of deposit 街道储蓄所credit union 合作银行 credit bureau 商业兴信所constructionbank 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investment bank 投资银行joint venture bank 合资银行money shop, native bank 钱庄credit cooperatives 信用社clearing house 票据交换所public accounting 公共会计business accounting 商业会计cost accounting 成本会计depreciation accounting 折旧会计computerized accounting 电脑化会计general ledger 总帐subsidiary ledger 分户帐cash book 现金出纳帐cash account 现金帐journal, day-book 日记帐，流水帐bad debts 坏帐investment 投资surplus 结余idle capital 游资economic cycle 经济周期economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条economic crisis 经济危机cross rate, arbitrage rate 套汇汇率foreign exchange fluctuation 外汇波动foreign exchange crisis 外汇危机discount 贴现discount rate, bank rate 贴现率gold reserve 黄金储备money (financial) market 金融市场stock exchange 股票交易所broker 经纪人commission 佣金current deposit, current account 活期存款fixed deposit, fixed account 定期存款fixed deposit by installments 零存整取account number 帐目编号depositor 存户pay-in slip 存款单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import and export bank (EXIMBANK) 进出口银行economic recovery 经济复苏inflation 通货膨胀deflation 通货收缩devaluation 货币贬值revaluation 货币增值international balance of payment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际货币制度the purchasing power of money 货币购买力money in circulation 货币流通量note issue 纸币发行量national budget 国家预算national gross product 国民生产总值public bond 公债stock, share 股票debenture 债券treasury bill 国库券debt chain 债务链direct exchange 直接(对角)套汇indirect exchange 间接(三角)套汇foreign currency (exchange) reserve 外汇储备bookkeeping 簿记bookkeeper 簿记员an application form 申请单bank statement 对帐单letter of credit 信用证strong room, vault 保险库equitable tax system 等价税则specimen signature 签字式样banking hours, business hours 营业时间joint account 联名存款帐户to open an account 开户头a deposit form 存款单a banding machine 自动存取机to deposit 存款foreign exchange restriction 外汇限额 foreign exchange quotations 外汇行情 to check the rate for sb. 查牌价 一式两份填这张收据 teller, cashier 出纳员 the number slip 号码牌 a withdrawalform 取款单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 suspendpayment 止付 cheque,check 支票 buyingrate 买进价格 exchange table, conversiontable 汇兑换算表 foreign exchange 外汇exchange rate 外汇率 conversion rate 折合率 to fill in the receipt in duplicate to close anaccount, to clear an account 结清 to drawmoney 取款 drawing-out slip 取款单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 the subsidy rate for value-preserved savings cheque book 支票本 ordercheque 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 chequestub, 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 selling rate 卖出价格 convertible money 可兑换（黄金）纸币 interest rate 利率 simpleinterest 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 高利贷保值储蓄补贴率1、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。

描述一家银行的主要业务英语作文{z}Title: Description of a Bank"s Main BusinessIntroduction:A bank is a financial institution that provides a variety of services to individuals, businesses, and governments.The main purpose of a bank is to accept deposits from customers and lend money to those in need.In this essay, we will explore the main business activities of a typical bank.1.Deposits:The first and primary business of a bank is to accept deposits.Customers can deposit their money in various accounts such as savings accounts, current accounts, and fixed deposit accounts.These deposits are considered as liabilities for the bank as they have an obligation to repay the deposited amount to the customers along with any interest earned.2.Loans and Advances:Banks also provide loans and advances to individuals and businesses.They offer various types of loans such as personal loans, home loans, car loans, and business loans.When a bank provides a loan, it charges interest on the borrowed amount, which is a significant source of income for the bank.3.Credit Creation:One of the unique functions of a bank is credit creation.Banks havethe ability to create credit by accepting deposits and lending money.When a bank receives a deposit, it keeps a fraction of that deposit as reserves and lends out the remaining amount.This process continues, allowing banks to create multiple times the initial deposit amount in the form of credit.4.Payment Services:Banks provide various payment services to facilitate transactions for their customers.They offer checking accounts, debit cards, credit cards, and online banking facilities.These services enable customers to make purchases, transfer funds, and pay bills conveniently.5.Investment and Wealth Management:Banks also offer investment and wealth management services to their customers.They provide guidance and advice on investment options such as stocks, bonds, mutual funds, and insurance products.Banks also offer wealth management services to high-net-worth individuals, helping them to grow and preserve their wealth.6.Foreign Exchange Services:Many banks provide foreign exchange services to facilitate international trade and travel.They help customers to convert one currency into another and offer services such as foreign currency drafts, letters of credit, and traveler"s cheques.7.Safe Deposit Boxes:Banks offer safe deposit boxes to their customers for storing valuable items such as jewelry, documents, and important papers.These boxes provide a secure and convenient way for customers to protect their valuables.Conclusion:In conclusion, a bank performs various business activities to meet the financial needs of its customers.These activities include accepting deposits, providing loans and advances, credit creation, payment services, investment and wealth management, foreign exchange services, and safe deposit boxes.By offering these services, banks play a crucial role in the economy by facilitating economic growth, supporting businesses, and providing financial security to individuals.。

会计与银行业务英语用语（1）会计与银行业务英语用语(1)会计账目用语会计报表 statement of account往来帐目 account current现在往来帐||存款额 current accout销货帐 account sales共同计算帐项 joint account未决帐项 outstanding account贷方帐项 credit account||creditor account借方帐项 debit account||debtor account应付帐||应付未付帐 account payable应收帐||应收未收帐 account receivable新交易||新帐 new account未决帐||老帐 old account现金帐 cash account流水帐 running account暂记帐||未定帐 suspense account过期帐||延滞帐 overdue account||pastdue account杂项帐户 sundry account详细帐单||明细表 detail account呆帐 bad account会计项目 title of account会计薄||帐薄 account-book营业报告书||损益计算表 account of budiness||business report 借贷细帐||交验帐 account rendered明细帐 account stated与... 银行开立一户头 to open an account with与... 银行建立交易 to keep account with继续记帐 to keep account与... 有交易 to have an account with作成会计帐||有往来帐项 to make out an account with清算||清理债务 to make up an account清洁帐目||与……停止交易 to close one's account with结帐 to close an account清理未付款 to ask an account||to demand an account结清差额 to balance the account with清算 to settle an account||to liquidate an account||to square an account审查帐目||监查帐目 to audit an account检查帐目 to examine an account转入A的帐户 to charge the amount to A's account以计帐方式付款 to pay on account代理某人||为某人 on one's account||on account of one为自己计算||独立帐目 on one's own account由某人收益并负风险on one's account and risk||for one's account and risk由某人负担 for one's account||for account of one按某人指示||列入某人帐户 by order and for account of one列入5月份帐目 for May account编入某中帐项下to pass to the account of||to place to the account of寄出清算书to send in an account||to send in render an account支票用语支票薄 cheque book支票陈票人 cheque drawer持票人 cheque holder不记名支票 cheque to bearer||bearer cheque记名支票||认人支票 cheque to order 到期支票 antedated cheque未到期支票 postdated cheque保付支票 certified cheque未获兑现支票，退票 returned cheq。

银行基本业务口语－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. 甚至一元也可以起存。

Here is your passbook. 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。

Bankaccount 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 company 信托公司financial trust 金融信托公司unit trust 信托投资公司trust institution 银行的信托部credit department 银行的信用部commercial credit company(discount company) 商业信贷公司（贴现公司）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money shop, native bank 钱庄credit cooperatives 信用社clearing house 票据交换所public accounting 公共会计business accounting 商业会计cost accounting 成本会计depreciation accounting 折旧会计computerized accounting 电脑化会计general ledger 总帐subsidiary ledger 分户帐cash book 现金出纳帐cash account 现金帐journal, day-book 日记帐，流水帐bad debts 坏帐investment 投资surplus 结余idle capital 游资economic cycle 经济周期economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条economic crisis 经济危机economic recovery 经济复苏inflation 通货膨胀deflation 通货收缩devaluation 货币贬值revaluation 货币增值international balance of payment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际货币制度the purchasing power of money 货币购买力money in circulation 货币流通量note issue 纸币发行量national budget 国家预算national gross product 国民生产总值public bond 公债stock, share 股票debenture 债券treasury bill 国库券debt chain 债务链direct exchange 直接（对角）套汇indirect exchange 间接（三角）套汇cross rate, arbitrage rate 套汇汇率foreign currency (exchange) reserve 外汇储备foreign exchange fluctuation 外汇波动foreign exchange crisis 外汇危机discount 贴现discount rate, bank rate 贴现率gold reserve 黄金储备money (financial) market 金融市场stock exchange 股票交易所broker 经纪人commission 佣金bookkeeping 簿记bookkeeper 簿记员an application form 申请单bank statement 对帐单letter of credit 信用证strong room, vault 保险库equitable tax system 等价税则specimen signature 签字式样banking hours, business hours 营业时间请求延期付款我公司小泽先生因急事出差大阪，5月1日以前不能返回，故该件请宽延至5月1日，我们将于5月2日汇款。