1. Good morning/afternoon, sir/madam. Can I help you?
早上好/下午好，先生/女士，有什么能為您效
2. With pleasure.
很高興為您效勞。
3. Please go to Counter 1 for srvice.
請(qǐng)到 1 號(hào)柜臺(tái)辦理。
4. Please wait a moment.
請(qǐng)稍等。
5. Have you got your identification card with you?
您攜帶身份證了嗎？
6 Have you got the necessary documents with you?
必要的相關(guān)文件您帶來(lái)了嗎？
7. Please enter the pass code of your account.
請(qǐng)您輸入賬戶密碼。
8. The inquiry may take some time, please kindly wait.
查詢會(huì)需要一段時(shí)間，請(qǐng)您耐心等待。
9. I'm sorry, the pass code you entered does not match the one you registered.
抱歉，您輸入的密碼不正確。
10.Please re－enter your password.
請(qǐng)您再次輸入您的密碼。
11. Please check it
請(qǐng)您核對(duì)。
12. Here is the pay-in slip for you to sign.
這是繳費(fèi)單，請(qǐng)您簽字
13. Please sign your name on the dotted line.
請(qǐng)您把名字簽在線上面。
14. This is the receipt of charge for you
這是您的繳款收據(jù)
15. You can visit me at any time for further details.
您可以隨時(shí)來(lái)找我咨詢更多細(xì)節(jié)。
16. Would you like to open a personal account or a company
account?
請(qǐng)問(wèn)您想開(kāi)個(gè)人賬戶還是公司賬戶？
17. You are requested to submit the Business Registration of the
company and a photocopy of Identity Card. would you like to
open it now?
您須提交公司的商業(yè)登記證和身份證復(fù)印。您想現(xiàn)在就辦理手續(xù)嗎？
18. Would you like to open a current account or a fixed time
deposit account?
請(qǐng)問(wèn)您想開(kāi)活期存款賬戶還是定期存款賬戶？
19. Opening an account is free of charge, but you ha ve to
deposit 10 yuan as your initial deposit.
開(kāi)戶不需要手續(xù)費(fèi)，但您得先存 10 元 起 存 額 。
20. We offer a choice of three - ,six -or twelve-month maturities in
most cases. Of course, we have two - ,three- ,five- and ten-year
plans ,too
大多數(shù)情況下，我們提供為期 3 個(gè)月、 6 個(gè)月和 12 個(gè) 月 的 存 款 期 限 ，
您可以從中選擇。當(dāng)然，我們也有為期 2 年 、 3 年 、 5 年 和 10 年的存款
期限。
21. You may make withdrawals from the account at any time if
it's a current account.
如果開(kāi)活期賬戶，您可以隨時(shí)取款。
22. The interest rate of the fixed deposit account varies with the
amount and the maturity period .So, would you please tell me
the amount that you intend to put in and for how long?
定期存款的利息率因存款額及存款期而有所不同，所以，請(qǐng)告訴我您打
算存入的存款額及存款期。
23. You may withdraw your time deposit before the
maturity， but the interest would be applied at the rate of
current account.
您可以提前支取定期存款，但利息只能按活期存款利率計(jì)算。
24. There are some withdrawal forms on the counter over there.
Please fill one out, stating the amount you want to withdraw, the
date, and your account number, and then don't forget to sign
your name. Then come back to me when you've finished ， thank
you.
柜臺(tái)上有取款單 .請(qǐng)您填 寫(xiě)一張，注明想取的金額、日期以及賬號(hào)，別忘
了簽字，填完后拿來(lái)給我，謝謝！
25. The amount in words is incorrect. Would you mind filling
another one, because the voucher is invalid if altered.
您的憑證金額大寫(xiě)填寫(xiě)有誤，請(qǐng)您重填一份，因?yàn)榻痤~不能涂改。
26. I'm sorry, I'm afraid the money is not quite the same with the
amount you indicated. please double check it.
您的款項(xiàng)有誤，請(qǐng)您重新清點(diǎn)一下。
27. Since you are depositing for others, you need to provide
both parties’ IDs or passports.
為別人代辦存款需要您出示兩人的身份證或護(hù)照。
28.Please sign your name on this withdrawal slip, we will debit
your account directly for fees.
請(qǐng)您在取款單上簽名，我們會(huì)直接從您的賬戶上扣除費(fèi)用。
29. This is your bankbook. Please keep it safe.
這是您的存折，請(qǐng)拿好。
30. If you lost your bankbook, you have to report a loss as soon
as possible.
如果您的存 折丟了，您必須馬上掛失。
31. All right, sir/madam. Here you are. Please check.
好的，先生 /小姐。這是您的現(xiàn)金，請(qǐng)清點(diǎn)一下。
32. Please tell me how much do you want to exchange?
請(qǐng)告訴我您想兌換的數(shù)額。
33. Please wait a moment, I'll find out the exchange rate.
請(qǐng)稍等，我查一下兌換率。
34. It's 761yuan for 100 dollars.
100 美元可兌 761 元 。
35. It's 200 French francs at today' selling rate.
今天的賣(mài)出價(jià)是 200 法國(guó)法郎。
36. The buying rate of U.S.dollar notes is 763 yuan per hundred
dollars.
美元現(xiàn)鈔買(mǎi)入價(jià)是 100 美 元 兌 763 人 民 幣
37. By the way, in what denominations would you like it ?
您想要兌換多少面值的現(xiàn)金。
38. Would you fill in this exchange memo?
請(qǐng)您填寫(xiě)兌換單。
39. We'll make the payment and debit it to your account.
我們將把匯款從你的賬上劃付。
40. We will charge you a handling fee of one percent of the
amount you wish to remit.
我們要收取匯款金額 1％的手續(xù)費(fèi)。
41. The minimum amount for handling fee is one Yuan, and the
maximum amount is fifty Yuan. That is to say, we only charge
you fifty Yuan for whatever remittance whose amount is greater
than five thousand Yuan.
手續(xù)費(fèi)最低 1 元 ， 最 高 50 元 。 也 就 是 說(shuō) ， 如 果 您 匯 5000 元 以 上 ， 我
們只收 50 元 。
42. If you have some RMB left when you leave, you can present
your exchange memo and change them back into US dollars
如果您在離開(kāi)時(shí)，還留有未用完的人民幣，您就可以憑兌換單再把人民
幣兌換成美元。
43. Who is the payer, the exporter of which country?
付款人是哪個(gè)國(guó)家的進(jìn)口商？
44. Do you have your contract and Import License?
您有合同和進(jìn)口許可證嗎？
45. Documentary collection requires the draft to be accompanied
by commercial documents.
跟單托收要求匯票附上商業(yè)單據(jù)。
46. A letter of Credit is quite literally that -a letter addressed by
the buyer's bank to the seller's bank stating that they coul d
vouch for their good customer, the buyer, and that they would
pay the seller in case of the buyer's default.
信用證實(shí)際就是一個(gè)由買(mǎi)方的銀行向賣(mài)方的銀行出具的證明，表明他們
能夠?yàn)樗麄冃抛u(yù)良好的客戶，即買(mǎi)方，做擔(dān)保，并且當(dāng)買(mǎi)方違約時(shí)他們
會(huì)給賣(mài)方付款。
47. What you need to do now is deposit 100% of the guaranteed
funds of your contract into your account with us.
您現(xiàn)在要做的就是往貴公司在我行開(kāi)立的賬戶里存入相當(dāng)于 100%的 合
同金額的保證金。
48. That's right, there's “ revocable” and “ irrevocable” . We
usually go for the irrevocable one, it's the most popular.
有“可撤銷”和“不可撤銷”兩種。我們通常選擇不可撤銷那種，它用
的最廣泛。
49. The forward exchange rate is the rate that is contracted
today for the delivery of a currency at a specified date in the
future ,at a price agreed upon today.
遠(yuǎn)期外匯匯率是以合約形式規(guī)定下來(lái)的，按照合約簽訂當(dāng)日協(xié)定好的價(jià)
格在未來(lái)某一約定日期進(jìn)行外匯交割時(shí)所采用的匯率。
50. If the value of forward exchange is higher than the spot
exchange, we quote it “ At Premium” . Otherwise, we say “ At
Discount” . If the spot - forward spread equals, we quote it “ At
Par” .
如果遠(yuǎn)期外匯比即期外匯價(jià)值高，我們就稱其為“升水”，否則，低于
即期外匯價(jià)值就是“貼水”，如果和即期外匯價(jià)值等值，我們就稱之為
“平價(jià)”。
51. Would you like to apply for a card with us?
您想申請(qǐng)我們的 銀行卡嗎？
52. As soon as the account is set up , we will issue you with a
card.
只要賬戶開(kāi)好了，我們就會(huì)給您發(fā)卡。
53. It should all be sorted out within 5 working days after
receiving of the required documents.
在收到所需的文件后， 5 個(gè) 工 作 日 內(nèi) 應(yīng) 該 能 辦 完 。
54. You can get the cash, make a deposit , or get your balance.
您可以提取現(xiàn)金、存款或了解您的存款余額
55. You can also enjoy other services ,including getting the
paying of bills, transferring between accounts, booking cheque,
ordering statement and changing your PIN.
您還可以辦理其他業(yè)務(wù)，如查詢付款單、賬戶間的轉(zhuǎn)賬、預(yù)購(gòu)支票奔和
銀行結(jié)單，也可以變更您的個(gè)人賬戶 密碼。
56. Is that an Debit or Credit Card?
您丟的是借記卡還是信用卡？
57. Please wait a moment. Let me check it for you. Well
sir/madam, there is no withdrawal record on the account, and I
don't fin d any expense record .Usually it's impossible for one to
use a card fals ely. Don't worry about it.
請(qǐng)稍等，讓我查查看。先生 /女士，沒(méi)有取款記錄，也沒(méi)有發(fā)現(xiàn)消費(fèi)記
錄。一般不會(huì)出現(xiàn)冒用的情況，請(qǐng)放心。
58. Let me just take some details from you and I would like to
help you in any way I can.
我這就記錄一下您的詳細(xì)信息，我會(huì)盡我所能幫助您。
59. Please fill out the application form for reporting the loss
請(qǐng)您填寫(xiě)一份掛失申請(qǐng)表
60. A new card should all be sorted out within 3 working days.
And we'll charge you RMB10 for the report of you loss.
我們將在三個(gè)工作日內(nèi)給您發(fā)放新卡，同時(shí)，我們要收取您 10 元人民
幣的掛失費(fèi)。
E-banking Service
61. It's my pleasure to introduce our E -banking service to you.
很榮幸可以告訴您一些關(guān)于電子銀行的情況。
62. You can log on to the bank internet Website anytime and
anywhere to access complete and detailed information and
services.
不論何時(shí)您在何處，只要您登陸銀行網(wǎng)站，完善詳盡的咨訊及服務(wù)可供
您隨意瀏覽。
63. You can contact us through email, telling us your
requirements and suggestions about personal wealth
management. We will handle and answer your e -mail promptly
and in complete security.
您可以通過(guò)電子郵箱與我們聯(lián)系，將您對(duì)個(gè)人理財(cái)?shù)囊笈c建議電郵給
我們。我們會(huì)妥善處理您的郵件并及時(shí)安全地給您答復(fù)。
64. We provide customers with various services,
including account management, online settlement, loan
information, document services, charging stations.etc.
我行向顧客提供賬戶管理、網(wǎng)上結(jié)算、貸款查詢、票據(jù)業(yè)務(wù)、收費(fèi)站等
服務(wù)項(xiàng)目。
65. You can seek whether the order has been confirmed to be
valid by the online pay ing in the web page of the Bank at any
time.
您可隨時(shí)提供銀行網(wǎng)頁(yè)“網(wǎng)上支付”專欄查詢訂單是否已被確認(rèn)有效。
66. You may also report the temporary loss by using our
telephone banking service.
電話銀行也可以進(jìn)行賬戶的臨時(shí)掛失。
67. Electronic funds transfer (EFT) is a system where customer's
transactions, such as deposits and withdrawals, are recorded
electronically and then stored in a computer's memory. When
you have to check the records, the computer provides instant
retrieval.
EFT 是中央的系統(tǒng)，它使得客戶業(yè)務(wù)，比如存款、取款等經(jīng)過(guò)電子記錄
后再存入電腦存儲(chǔ)器。要想查看記錄，電腦能立即提供檢索。
Credit Business
68. May I ask whether you have signed the temporary agreement
for sale and purchase?
請(qǐng)問(wèn)您簽署了臨時(shí)買(mǎi)賣(mài)合同了嗎？
69. Usually the time duration from the signing of temporary
agreement for sale and purchase to the completion of signing an
agreement lasts about forty da ys. After the signing of the
temporary agreement for sale and purchase ,you can apply for
the mortgage loan.
一般情況下，在您遞交申請(qǐng)表后 3 星 期 ， 我 們 便 會(huì) 口 頭 通 知 暫 定 按 揭 數(shù)
額及通知律師準(zhǔn)備按揭契約及發(fā)出臨時(shí)貸款接納書(shū)。申請(qǐng)樓宇按揭貸
款，您需填妥貸款申請(qǐng)表，連同身份證副本、收入證明及臨時(shí)買(mǎi)賣(mài)合約
一并遞交。當(dāng)然，如果需要，我們會(huì)要求你出具其他文件
70. We offer to our customer mortgage loans at the rate of
0.42% per month for 10 years.
我們給客戶提供的住房抵押貸款 10 年 期 利 率 是 月 息 0.42%
71. You should have the original and two duplicates of your
housing purchasing contract and down payment receipt.
您應(yīng)該準(zhǔn)備購(gòu)房合同、預(yù)防款收據(jù)原件和復(fù)印件各兩份。
72. Our bank offers a RMB loan with no more than 30 years.
我們銀行提供的人民幣貸款最長(zhǎng)期限不超過(guò) 30 年 。
73. According to the regulations issued by the PB C,the annual
interest rate is 3.96%for the term of 1 to 5 years ,and 4.41%for
more than 5 years.
根據(jù)中國(guó)人民銀行的規(guī)定， 1 到 5 年 期 的 年 利 率 是 3.96%， 5 年期以上
的年利率是 4.41%
74. Let me see, you should supply your own passport, border
pass or valid written testimonials before the loan is credited to
your account.
讓我看一看 ,在貸款發(fā)放到您的賬戶之前要補(bǔ)交護(hù)照，出入境簽證或有效
書(shū)面證明。
75. There are three loan guarantee modes, namely, mortgage,
pledge and guarantee. Which one will you choose ？
貸款擔(dān)保有三種形式，即抵押、質(zhì)押和保證。您選哪一種？
76. We have a loan named Personal Loan For Studying Abroad .It
is a kind of loan specially provided to people studying abroad
for payment of their tuition and miscellaneous fees.
我行有一種專供出國(guó)留學(xué)人員的貸款產(chǎn)品，叫做“個(gè)人留學(xué)貸款”，這
種貸款主要用于借款人支付出國(guó)留學(xué)所需要的學(xué)費(fèi)和各項(xiàng)雜費(fèi)。
77. According to our loan policy, the loanee could be the person
studying abroad, his or her spouse, direct line relative or legal
guardian.
根據(jù)規(guī)定，擬出國(guó)留學(xué)人員本人、其配偶、其直系親屬或其法定監(jiān)護(hù)人
均可作為借款人
78. The interest rates are adopted according to the relative rates
announced by the PBC.
利率按照人民銀行規(guī)定的同期同檔利率執(zhí)行。
79. It may not exceed the due date of the pledged CDs or
treasury bands, besides, the maximum maturity is one year.
貸款期限不得超過(guò)質(zhì)押存單或者國(guó)債的到期日。此外，最長(zhǎng)期限不得超
過(guò)一年
80. The per sonal pledge loan interest rate is implemented in
accordance with the loan interest rate stipulated by the
People's Bank of China (PBC)for the corresponding period. And it
can’ t float beyond the ceiling rate specified by the PBC.
個(gè)人質(zhì)押貸款利率按人民銀行同期同檔次貸款利率執(zhí)行。其 浮動(dòng)幅度不
得超過(guò)人民銀行規(guī)定的利率上限
81. We will have to make an investigation of your credit standing
before we approve your loan application.
我們得對(duì)你們的信用情況進(jìn)行調(diào)查后才能批準(zhǔn)你們的貸款申請(qǐng)。
82. We will make the loan decision based on your credit
grade, repayment capability management syste m and proportion
of outward equity invested.
我們將根據(jù)貴單位的信用等級(jí)，償還能力、管理制度和對(duì)外股權(quán)投資比
例等情況做出貸款決策
83. We will go through the acceptance application, preliminary
review, evaluation and examination, and approval for it.
要經(jīng)過(guò)受理、初審、評(píng)估和審批四個(gè)階段。
Financing Business
84. We provide you
“ coordinated” financial services
through personal finance service,
such as multi -accounts on a
card ,interbank deposit and
withdrawal, account transfers
between bank and securities
companies, commission and payment,
network banking, etc.
我行通過(guò)個(gè)人理財(cái)為您提供“一條龍”
金融配套服務(wù)，如一卡多戶、通寸通兌、
銀證轉(zhuǎn)賬、待收代付、網(wǎng)上銀行等
85. Our investment service will help
you make choices among a range of
mutual funds and a unit trusts,
and then evaluate their performance
and potential risks for you..
我們的投資服務(wù)將協(xié)助您在多種單位信托
基金或互助基本中做出選 擇，并對(duì)各項(xiàng)基金
的表現(xiàn)與風(fēng)險(xiǎn)進(jìn)行評(píng)估
86. Stock transactions can be
directly done by account transfers,
so it will save you extra trips
所有股票買(mǎi)賣(mài)的收支均可通過(guò)您在我行的
賬戶直接轉(zhuǎn)賬，免掉前往銀行辦理收支手續(xù)
的麻煩。
87. We can offer you all available agent services in
open-endedfunds investment, such as
opening a new account, subscription,
purchase application, and so on.
我行提供開(kāi)放式基金投資的所有代理業(yè)務(wù)，比如開(kāi)戶、認(rèn)購(gòu)、申購(gòu)等代
理業(yè)務(wù)。
88 Charge can be levied through front -end load and back -end
load. Front -end load is a sales charge paid by the investor at the
time of purchase.
基金的手續(xù)費(fèi)分為前段收費(fèi)和后端收費(fèi)。前段收費(fèi)指基金投資者在購(gòu)買(mǎi)
基金時(shí)支付的銷售費(fèi)用。
89. Fund account temporary loss report can be made through
Internet Banking and Telephone Banking.
基金賬戶的臨時(shí)掛失可通過(guò)網(wǎng)上銀行和電話銀行辦理。
90. We have recently opened a new service called Financial Link.
我行最近開(kāi)辦了一 項(xiàng)新的業(yè)務(wù)，叫做“理財(cái)通”。
Agency Service
91. Does your company have a Wage Distribution Service
Agreement with us?
您的公司與我們簽有代發(fā)工資服務(wù)協(xié)議嗎 ?
92. It's possible to sign an agreement with us, and then we can
pay your staff directly. This is called an Entrustment Agreement.
只要與我們簽署一項(xiàng)協(xié)議 ,然后我們就可以直接給你們的員工發(fā)工資了。
這就是所謂的委托協(xié)議。
93. Based on your requirements, we can transfer the funds into
your employees’ account monthly.
我們可以按照您的要求 ,每個(gè)月將工資轉(zhuǎn)入每位員工的賬戶
94. It is possible to pay in cash or pay directly to the employee ’
s savings account ,no matter which bank they do business with.
這項(xiàng)服務(wù)可以支付現(xiàn)金 ,或者直接存入員工的儲(chǔ)蓄賬戶 ,無(wú)論他們?cè)谀膫€(gè)
銀行開(kāi)的賬戶
95. According to the entrustment agreement, you can entrust us
as an agent to pay the charge of electricity.
根據(jù)委托協(xié)議，您可以在我們銀行辦理代收電費(fèi)業(yè)務(wù)。
96. Please fill out the Application Form Of Entrustment
Agreement For Charges and provide a copy of your ID card and
your Charge Card number.
請(qǐng)?zhí)顚?xiě)“委托扣款協(xié)議申請(qǐng)表” ,并提供身份證復(fù)印件和交費(fèi)卡號(hào)碼。
97. Will you fund it in cash or through your savings account?
您是繳現(xiàn)金還是從儲(chǔ)蓄賬戶上扣繳？
98. Your balance is not sufficient.
您的賬戶余額不足
99. Be sure that you have enough money in your account.
您需確保賬戶上有足夠的錢(qián)。
100. You'll enjoy yourself with the services next month.
下個(gè)月起您就可以享受（代收費(fèi)）服務(wù)了。
