建設(shè)銀行對私業(yè)務(wù)柜面英語對話

1、精選優(yōu)質(zhì)文檔-傾情為你奉上 建設(shè)銀行銀行對私業(yè)務(wù)柜面英語對話第一部分：大堂經(jīng)理基本對話:（場景一）A: 您需要什么服務(wù)嗎？ May I help you?B: 是的。請問你們這兒兌換外幣嗎？ Yes. Do you exchange foreign money here?A: 是。我行經(jīng)授權(quán)可以辦理外匯兌換業(yè)務(wù)Yes. Our bank is authorized to deal with the foreign exchange business.B：你們銀行可以兌換哪些幣種？What kinds of currencies do you change?A： 目前我行兌換八種貨幣，主要有美元

2、、日元、港幣、歐元、英鎊等。 Currently, we change eight currencies, namely, U.S. dollars, Japanese yen, H.K. dollars, European euro and Pounds sterling, etc. B: 您能告訴我今天的美元匯率是多少嗎？Could you tell me what todays exchange rate for US dollars is?A: 銀行現(xiàn)鈔買入價是每一百美元換672.55元人民幣。The cash buying rate is 672.55 RMB for 100 dol

3、lars. B: 我想換一些美元來支付我的一些費用。I want to change some US dollars to cover my expenses here.A: 請跟我到2號外匯柜臺辦理業(yè)務(wù)。Please follow me to the foreign exchange counter, that is, counter No. 2. B: 謝謝.Thank you.（場景二）A：您需要什么服務(wù)嗎？What Can I do for you?B：請問我的卡能在這里取錢嗎？Can I draw money with my card here?A：您的卡可以在我行的自助存取款機上取

4、錢，請跟我來。You can draw money by using our automatic tellers machine. Follow me, please. （場景三）A：您需要什么服務(wù)嗎？Can I help you?B：我想從我的存折里取些錢I want to draw some money from my passbook. A：請您先取號排隊，在這稍等片刻，很快就到您了。Please take a number and wait until your number is called. New Words:1. Japanese yen n. 日元2. H.K dollar

5、s n. 港幣3. European euro n. 歐元4. Pounds sterling n. 英鎊5. exchange rate n. 匯率6. cash buying rate 現(xiàn)鈔買入價7. counter n. 柜臺8. automatic tellers machine (ATM) 自動柜員機9. passbook n. 存折10. take a number 取號Notes:1. May I help you? 您需要什么服務(wù)？這是銀行柜面人員及其他服務(wù)人員的招呼語。與此意思相同的不同表達方式還有：Can I help you?我能為您效勞嗎？Can I do anythi

6、ng for you?我能為您做些什么事嗎？ Is there anything I can do for you?需要我為您做點兒什么嗎？What can I do for you?您想辦理什么業(yè)務(wù)？2. be authorized to deal with經(jīng)授權(quán)可辦理業(yè)務(wù)3. cover ones expenses 支付某人的費用第二部分：柜員基本對話:一、 個人結(jié)匯業(yè)務(wù)（場景一）A: 您想辦理什么業(yè)務(wù)？What can I do for you?B: 我想兌換一些美元。今天美元兌人民幣的匯率是多少？Yes. Id like to change some US dollars. Whats

7、 todays rate of US dollars to RMB?A: 每一百美元兌672.55元人民幣。Its 672.55 RMB per hundred US dollars.A: 您要兌換多少？How much would you like to change?B: 總共200美元。200 US dollars total.A: 讓我看一下您的護照好嗎？Would you mind showing me your passport?B: 好的，給你。 Here you are. A：請問美元兌換后人民幣用途是什么？Whats your purpose for converting U

8、.S. dollars into RMB?B：用在旅游。For traveling. A: 請稍候，我盡快為您辦理。Please wait a moment. I will do it for you as soon as possible.A：收好您的護照、兌換水單、人民幣現(xiàn)金，請核對。Here is your passport, exchange memo and the cash in RMB. Please check it. B：沒錯。Thats good.A：歡迎您再次光臨。Hope to see you again.（場景二）若超過年度總額結(jié)匯，需要求境外個人出相關(guān)證明材料，以下

9、為對話A：先生/女士，因為您今年結(jié)匯的金額超過5萬美元，需要您出具相關(guān)證明材料？Sir/Madam, as the amount of your foreign exchange settlement this year is over 50000 U.S. dollars; you are required to show us the related proof documents.B：需要哪些材料？Which kind of documents?A：請問您兌換后人民幣的用途是什么？ Please tell me your purpose for foreign exchange sett

10、lement.（由于政策的不同，需要不同的表達方式）1、B:用來買車和裝璜.For car purchasing and decoration. A: 那需要買車和裝璜的合同或發(fā)票。In that case, the contract or invoice for car purchasing and decoration are needed.B：哦，我沒有帶材料，可以通融一下嗎？Oh, I havent taken the documents with me. Could you please do me a favor?A；對不起，這是國家外匯管理局相關(guān)政策的規(guī)定，我們銀行是必須要執(zhí)行的

11、，沒有相關(guān)證明材料是不可以辦理的。Sorry, according to the relative policies made by State Administration of Foreign Exchange, our bank can not do this without related documents. B：明白了，我回去拿材料后再來辦理。I see. Ill get the documents and come here later. A：好的，謝謝你的光臨。Ok, thanks for coming.2、B：付房屋的租賃費用。 For paying house leasin

12、g fees. A：那需要房屋管理部門登記的房屋租賃合同、發(fā)票或支付通知In that case, house leasing contracts, invoices or payment advices registered with the house administration departments are needed. 3、B：支付醫(yī)藥費。For paying medical expenses. A：你需要給我醫(yī)院的收費發(fā)票。Please show me the hospitals invoices.4、B：是付給學(xué)校的學(xué)費和雜費。 For paying tuition fees

13、 and other expenses. A：那需要學(xué)校的收費證明.In that case, the universitys proof for collecting fees is needed. B:好的，這是我的相關(guān)材料。All right, these are the related documents. A：我現(xiàn)在就為你辦理，請稍候。Ill do it for you right now, please wait a moment. A：請問您兌換的人民幣是取現(xiàn)金還是存儲蓄？What are you gonging to do with the RMB exchanged? To

14、withdraw cash or deposit at our bank?B：存在你們銀行。Deposit at your bank.A：請問您在我行有儲蓄帳戶嗎？Do you have a savings account at our bank?B：還沒有。Not yet. A：我行有定活兩便、通知存款、定期存款、活期存款，您喜歡哪一個？We offer variable term deposit, notice deposit, fixed deposit and current deposit. Which one would you like? B：活期存款。Current depos

15、it.A：好的。我立刻就為您辦理。(辦理活期存款對話參考場景九)Ill do that for you right now.A：收好您的護照、存折，兌換水單和材料，請核對。Here are your passport, passbook exchange memo and the documents. Please check them. B：沒問題。No problem.（場景三）如果上述結(jié)匯單筆等值5萬美元以上的，應(yīng)將結(jié)匯所得人民幣資金直接劃轉(zhuǎn)至交易對方的境內(nèi)人民幣賬戶, 以下為對話：A: 先生/女士，因為您結(jié)匯單筆等值在5萬美元以上,我們需要把結(jié)匯人民幣資金直接劃轉(zhuǎn)到您交易對方的人民幣賬

16、戶,根據(jù)您的發(fā)票（合同）上注明的情況，該結(jié)匯的人民幣資金25.3萬元將劃轉(zhuǎn)到收款人南京大學(xué)，收款銀行為南京交行新街口分行,帳號是，請您核對一下? Sir/Madam, as the amount of your foreign exchange settlement is above 50,000 U.S. dollars, we have to transfer the converted RMB funds directly to your counterpartys RMB account. According to your invoice/contract, the converte

17、d funds of RMB 253,000 will be transferred to Nanjing University whose bank is the Xinjiekou branch of Bank of Communications and the account number is . Please check it. B:不可以把結(jié)匯人民幣資金存入我的梅花卡上嗎?Is it possible to deposit the converted RMB funds to my plum card?A：對不起，這是外匯政策的要求，結(jié)匯人民幣資金必須直接劃轉(zhuǎn)到您交易對方的人民幣賬

18、戶。Sorry, according to the foreign exchange policies, the converted RMB funds should be transferred directly to your counterpartys RMB account.B：我明白了。那請將結(jié)匯的人民幣劃到交行新街口分行的南京大學(xué)。I see. Then please transfer the converted RMB to Nanjing universitys bank, the Xinjiekou branch of Bank of Communications.A:非常感

19、謝您合作，收好您的護照、劃款回單，兌換水單和證明材料，請檢查一下。Thank you very much for your cooperation. These are your passport, slip, memo and proof documents. Please check them.B：沒錯，謝謝你。No problem. Thank you.A: 歡迎你再次光臨。 Youre welcome.（場景四）A: 您需要什么服務(wù)嗎？ May I help you?（Can I help you?/What can I do for you?）B:我有200美元需要兌換成人民幣。I

20、want to convert 200 US dollars into Chinese yuan.A: 好的All right. B: 美元的匯率是多少？What is the exchange rate for the US Dollar?A: 今天的現(xiàn)鈔買入價是每一百美元兌換627.55元人民幣。您帶護照了嗎？Todays rate for cash purchase is 627.55 RMB for 100 US dollars. Do you have your passport with you?B: 帶了，給您。我能換多少人民幣？Yes. Here you are. How mu

21、ch RMB will I get?A: 讓我算一下。200美元可以換1255.1元人民幣。等一會您就能拿到錢 Let me see. 200 US dollars makes 1255.1 RMB. Youll receive the money in a moment. B: 不著急。 No hurry.（Please take your time）A：請問美元兌換后人民幣用途是什么？Would you mind telling me your purpose of changing U.S. dollars into RMB?B：買一些生活用品。 To buy some daily ne

22、cessities.A: 這是現(xiàn)金、護照和外匯兌換水單。請核對一下。 Here is the cash、 passport and exchange memo ，Please check it.B:沒錯。 It is correct.A: 順便提醒一下，保管好您的兌換單，離開中國時您可以把未用完的人民幣兌換成外幣。By the way, keep your exchange memo safe. You may convert the unused RMB back into foreign currency when you leave China.B: 我知道了，謝謝您的提醒。 I see

23、. Thanks for the information.A: 不客氣。 Not at all.New Words:1. passport n. 護照2. exchange memo n. 兌換水單3. foreign exchange settlement 結(jié)匯4. proof documents 證明材料5. contract n. 合同6. invoice n. 發(fā)票7. State Administration of Foreign Exchange (SAFE) 國家外匯管理局8. medical expenses 醫(yī)藥費9. tuition fees 學(xué)費10. savings a

24、ccount 儲蓄賬戶11. variable term deposit 定活兩便存款12. notice deposit 通知存款13. fixed deposit 定期存款14. current deposit 活期存款15. counterparty n. 交易對方16. account number 帳號17. plum card 梅花卡18. slip n. 回單19. daily necessities 生活用品Notes:1. Id =I would (should): 我愿意比I want to 語氣委婉。2. convertinto 把兌換為3. as soon as pos

25、sible 盡快4. do somebody a favor 此處意為幫某人通融一下5. according to 根據(jù) 例：According to these figures, the company is doing well. 根據(jù)這些數(shù)字來看，這家公司經(jīng)營得不錯。6. Thank you very much for your cooperation. 非常感謝您的合作。7. Youre welcome. 不用謝。這是回答對方道謝Thanks; Thank you時的常用語。這里welcome作表語，意思為“不必感謝的”。類似的表達還有：With pleasure.別客氣。Its my

26、 pleasure.別客氣。8. No hurry/take your time 不急二、售匯業(yè)務(wù)(場景五)A：需要我為您提供什么服務(wù)嗎？ Is there anything I can do for you? B：是的。我要把人民幣換成美元。今天購買美元的匯率是多少？ Yes. I want to convert RMB into U.S. dollars. Whats the buying rate for the U.S. dollars today? A：現(xiàn)在每一百美元需要支付人民幣698.50元.請問您的人民幣的來源是什么？Its 698.50 RMB per hundred U.S

27、. dollars. Would you please telling me the source of your RMB?B：是我的工資報酬，大約有5.5萬元人民幣要換成美元。Its my salary. Ive got about 55,000 RMB to convert into U.S. dollars.A: 好的，請您填寫南京銀行因私購匯申請書，并且提供護照、勞務(wù)合同、收入清單和完稅證明。Well, please fill in Bank of Nanjings application form for personal purchase of foreign exchange.

28、And provide us with your passport, employment contract, income statement and tax payment certificate.B：這是我的護照、現(xiàn)金和相關(guān)證明材料。Here are my passport, cash and the related proof documents. A: 我現(xiàn)在就為您辦理。您的購買的美元是取現(xiàn)金還是存入活期/定期儲蓄帳戶？Ill do it for you right now. Do you want to get the U.S dollars purchased in cash o

29、r put the money into a current/fixed account? （分不同情況）1、B: 我想存入活期儲蓄帳戶。Id like to put the money into a current account.A：您在我行有活期儲蓄帳戶嗎？Do you have a current account at our bank?B：還沒有。Not yet.A：我給您先開立活期儲蓄帳戶，請?zhí)顚戦_戶憑條。Ill open a current account for you. Please fill in the application form. B：好的 Ok.A：這是您的存折

30、、護照和外匯兌換水單。請核對一下。Here are your passbook, passport and foreign exchange memo. Please check them.B：非常感謝。 Thanks a lot. A：歡迎下次光臨。Hope to see you again.2、B：我要拿現(xiàn)金。I want to withdraw cash. A：請稍候，我這就為你辦理。Please wait for a moment. Ill do it for you right now.A：這是您的美元、護照和外匯兌換水單。請核對一下。Here are your U.S. dolla

31、rs, passport and exchange memo. Please check them. B：非常感謝。 Thanks a lot.（場景六）A：我能為您做些什么事嗎？May I help you? B：我有當時兌換沒有用完的3000人民幣，現(xiàn)在需要在兌回美元，你們銀行可以辦理嗎？Ive got 3000 RMB unused and want to convert it back into U.S. dollars. Can you change it for me?A：可以，請您提供護照和當時的兌換水單。Sure. Please show me your passport an

32、d the exchange memo.B：給你，今天的匯率多少？Here you are. Whats todays exchange rate?A：現(xiàn)在人民幣698.50元可以買到100美元。請您稍候。At present, the rate is 698.50 RMB for 100 U.S. dollars. Please wait a moment. A：這是您的美元、護照和外匯兌換水單。請核對一下。Here are your U.S. dollars, passport and exchange memo. Please check them. B：沒錯。Its ok. A：再見，

33、歡迎下次光臨。Bye, see you next time. New Words:1. Bank of Nanjings Application Form for Personal Purchase of Foreign Exchange 南京銀行因私購匯申請書2. employment contract 勞務(wù)合同3. income statement 收入明細4. tax payment certificate 完稅證明5. fill in (也作fill out) 例：fill in/out an application form 填寫申請書三、匯款業(yè)務(wù)（場景七）A：需要我為您提供什么服務(wù)

34、嗎？Is there anything I can do for you?B：我需要匯5000美元到美國。I want to remit 5000 dollars to the United States.A：護照可以給我看下嗎？Please show me your passport. B：可以。Sure.A：請您填寫境外匯款申請書，在申請書上寫清楚匯款人信息、收款人銀行，收款人的名稱和收款帳號，并填寫交易附言以及費用承擔方式。Please fill in the application form for overseas funds transfer. And clearly write

35、down information of the remitter, beneficiarys bank, name of the beneficiary and beneficiarys account. The postscript as well as the fee payment methods shall also be stated.B：你行匯款的費用是多少？ How much does it cost?A：匯款郵電費每筆100元，手續(xù)費分四種情況：The postage is 100 yuan. And the service charge varies according to

36、 four different situations.第一種是在境外匯款申請書71A欄選擇SHA：手續(xù)費為匯款金額的1，最低CNY50元，最高CNY1000元。 First, if you choose SHA under item 71A when filling in the application form for overseas funds transfer, the service charge is 1, the minimum charge is 50 yuan while the maximum charge is 1000 yuan. 第二種是在71A選擇OUR，手續(xù)費在S

37、HA基礎(chǔ)為另加收 USD20，在其他幣種情況下，HKD200（匯款幣種為HKD），JPY5000，EUR30，AUD20、CAD20，GBP20 Second, if you choose OUR under item 71A, the service charge is based on SHA plus 20 U.S dollars. (In the case of other currencies, the service charge is HKD200，JPY5000，EUR30，AUD20、CAD20，GBP20 respectively.)第三種是 在71A選擇BEN，郵電費和匯

38、款手續(xù)費由收款人承擔。您的匯款金額減去郵電費和匯款手續(xù)費后匯給收款人。 Third, if you choose BEN under item 71A, the postage and service charge will be paid by the beneficiary. The total amount deducted by postage and service charge will be remitted to the beneficiary.第四種是選擇全額到帳，就是您的美元資金沒有任何扣費，收款人能全額收到資金。如果您選擇全額到帳的方式，請在交易附言蘭寫明全額到帳，費用為

39、在SHA基礎(chǔ)為另加收 USD40。Fourth, if you want the money remitted to arrive in full amount, that is, the beneficiary can receive the funds in full amount. In this case, please note that you want the money remitted to arrive in full amount; the service charge is based on SHA plus 40 U.S. dollars. B：那我選擇費用為SHA方

40、式，這是我的護照、現(xiàn)金和境外匯款申請書。Id like to choose SHA. Here are my passport, cash and the application form for overseas funds transfer. A：請稍等，我立刻為您辦理。Please wait a moment. Ill do it for you at once.B: 非常感謝。Thank you very much.A：請收好您的護照和匯款回單，希望您下次光臨。Here are your passport and slip. Hope to see you again.（場景八）若匯款

41、當日超過1萬美元現(xiàn)鈔，需要求境外個人出相關(guān)證明材料，以下為對話：A：先生/女士，由于您的匯款金額是現(xiàn)鈔2萬美元，按照要求需要您提供海關(guān)簽章的中華人民共和國海關(guān)進境旅客行李物品申報單或您原存款銀行的外幣現(xiàn)鈔提取單據(jù)才可以辦理。Sir/Madam, as you remit 20000 U.S. dollars in cash, youre required to provide us with your China Customs Baggage Declaration Form for Incoming Passengers signed by the Customs or the forei

42、gn currency withdrawal slip issued by your original bank of deposit. B：這是我的原存款銀行的外幣現(xiàn)鈔提取回單，你看可以嗎？Here is the foreign currency withdrawal slip from my original bank of deposit. Is it ok?A：我看看，沒問題，我這就為您辦理。Well, its ok. Ill do if for you right now.B：多謝。Thanks a lot.New Words:1. remit v. 匯款2. Application

43、 Form for Overseas Funds Transfer 境外匯款申請書3. remitter n. 匯款人4. beneficiary n. 收款人5. postscript n. 附言6. postage n. 郵電費7. service charge 手續(xù)費8. minimum adj. 最小9. maximum adj. 最大10. China Customs Baggage Declaration Form for Incoming Passengers 中華人民共和國海關(guān)進境旅客行李物品申報單11. foreign currency withdrawal slip 外幣現(xiàn)

44、鈔提取單據(jù)四、儲蓄存款業(yè)務(wù)（場景九）A: 您需要什么服務(wù)嗎？ May I help you? B: 是的。請問我可以在這里開什么樣的賬戶？Yes. What kind of accounts can I open here?A: 我們通常對個人提供活期存款賬戶和定期存款賬戶。Usually we offer current accounts and fixed accounts for individuals.B: 我想開一個活期存款賬戶，存3000元人民幣。I prefer a current account and deposit 3000 yuan.A: 您帶護照了嗎？Do you ta

45、ke your passport with you?B: 帶了。給您。Yes. Here it is.A：請您填寫儲蓄開戶憑條，選擇您要的儲種。Please fill in the slip for opening an account and choose the kind of deposit that suits you.B：好的。Ok.A: 我現(xiàn)在就為您辦理。 I will open the account for you right now.A：請您核對儲蓄存款憑條，并簽字。Please check the slip and sign your name.A：請收好您的存折和護照，期

46、待您的下次光臨。Here are your passbook and passport. Hope to see you again.B: 非常感謝。Thank you very much.（場景十）A：需要我為您提供什么服務(wù)嗎？Is there anything I can do for you?B：我可以用現(xiàn)金在這里交水費嗎?Can I pay water expenditure in cash here？A:對不起,我行現(xiàn)在只可以用現(xiàn)金交煤氣費和電費,但您可以辦理結(jié)算戶存折或梅花卡交納各種費用,包括水電費、煤氣費和電話費、移動話費等，我行代扣代繳，非常方便。Sorry, at prese

47、nt, our bank only allows customers to pay in cash for their gas as well as electricity charges. But you can use your passbook for settlement or use your plum card to pay for all kinds of fees with water, gas and phone as well as mobile charges included. Our bank will deduct the fees for you. Its ver

48、y convenient.B: 我申請梅花卡。 Id like to apply for a Plum Card.A. 首先你要填個人結(jié)算帳戶申請書，在客戶確認欄進行簽字。First, you shall fill in an application form for personal settlement account and sign on the customer confirmation column.A：然后再填寫委托代繳業(yè)務(wù)申請表，在您所選的繳費項目打勾，并填寫相應(yīng)的用戶號碼，在簽字確認。Then you shall fill in the application form fo

49、r fees deduction and tick the items you want to choose as well as write down the corresponding customers code. Finally, you shall sign your name for confirmation.B：你看我填的正確嗎？Could you check it for me?A：在這里要簽字。You shall sign your name here.B: 好的 。Ok.A：把護照遞給我好嗎？Could you please show me your passport?B：

50、 Here you are. 給您。A：我這就為您辦理，您最好在梅花卡里存些錢以便于代扣代繳費用。Ill do it for you right now. Youd better deposit some money in your plum card so that we can deduct fees for you from the card. B：那我存500元人民幣在梅花卡里，給你現(xiàn)金。Then Ill deposit 500 yuan in my plum card. Heres the cash. A：一切都好了，請您收好回單、護照和梅花卡，再見。Everything is ok

51、. Here are your slip, passport and plum card. Bye.（場景十一）A：需要我為您提供什么服務(wù)嗎？Is there anything I can do for you?B：我想把6000美元現(xiàn)鈔存在存折上。I want to deposit 6000 U.S. dollars in cash on my passbook. A：您需要提供海關(guān)簽章的中華人民共和國海關(guān)進境旅客行李物品申報單或您原存款銀行的外幣現(xiàn)鈔提取單據(jù)給我。You shall provide us with your China Customs Baggage Declaration

52、 Form for Incoming Passengers signed by the Customs or the foreign currency withdrawal slip issued by your original bank of deposit. B：這是我入境時的海關(guān)申報單，你看可以嗎？Here is the Customs Declaration Form Ive got when entering the customs. Is it all right?A：我看看，您在入境時申報1萬美元的現(xiàn)金，可以的。Let me check it. You have declare

53、d 10,000 U.S. dollars in cash when entering the customs. Its ok.A：請給我您的護照。 Please show me your passport.A：請您在存款憑條上進行確認。Please sign on the deposit slip. A：請收好您的存折和護照，檢查一下。Please check your passbook and passport. B：沒問題,非常感謝。No problem. Thanks a lot.New Words:1. open an account 開戶2. water expenditure 水

54、費3. gas charges 煤氣費4. electricity charges 電費5. column n. 欄目6. tick the items 在選項上打勾7. code n. 號碼8. confirmation n. 確認9. Customs Declaration Form 海關(guān)申報單10. no problem 沒問題五: 儲蓄取款業(yè)務(wù)（場景十二）A：上午/下午好 ，先生/女士，我能為您做些什么事嗎？Good morning/afternoon, sir/madam, what can I do for you?B：我想取錢，在卡上取2300元。I want to withdr

55、aw 2300 yuan from my card.A：請輸您的密碼。Please enter your password. A：在取款憑條請簽字確認。Please sign on the slip.A：這是您的卡和現(xiàn)金，請核對一下。Here are your card and cash. Please check them.B：好的。 Ok.（場景十三）A：我能為您做些什么服務(wù)？Can I help you?B：我要在折子上取1.2萬美元。I want to withdraw 12,000 U.S. dollars from my passbook.A：先生/女士，由于您取款超過1萬美元，您

56、可以有兩個方案選擇，一個方案是您憑護照和提鈔用途證明向當?shù)赝夤芫诌M行報備，外管局審核后會給您出具提取外幣現(xiàn)鈔備案表，您憑備案表和護照可以取現(xiàn)金1.2萬美元。另一個方案是今天先取一部分,比如7000美元,明天在取5000美元。Sir/madam, as you have withdrawn more than 10,000 U.S. dollars, youll have two choices. You can declare and register with the local SAFE with your passport and a proof for your purpose of withdrawing. SAFE will pr