第71期:银行业务

I want to open an account in this bank.
我想在这家银行开个储蓄户头。
A:I want to open an account in this bank.
A:我想在这家银行开个储蓄户头。
B:That’s all right,sir. But which do you prefer,a current account or a fixed one?
B:好的，先生。您是开活期的还是定期的？
open an account
开户

What about the annual interest rates?
年息是多少？
A:What about the annual interest rates?
A:年息是多少？
B:At present, it’s 3% for the current account and 9% for the fixed account.
B:现在活期的利率为3%，定期的为9%。

How would you like your money?
您要什么面额的钞票？
A:How would you like your money?
A:您要什么面额的钞票？
B:It's all the same to me.
B:随便什么都可以。

What type of account are you interested in opening?
你想开哪一种账户？
A:What type of account are you interested in opening?
A:你想开哪一种账户？
B:I need a checking account for a new business.
B:我需要开个支票账户，做生意用。

Can I get an interest-bearing account?
我们能开有利息的账户吗？
A:Can I get an interest-bearing account?
A:我们能开有利息的账户吗？
B:You can have a money market account for your business that will draw interest,but you will need a non-interest bearing account.
B:你可以开计息的金融市场账户,但我们还需要个无息账户。

Is there a limit on the number of checks we can write per month?
每月开几次支票有限制吗？
A:Is there a limit on the number of checks we can write per month?
A:每月开几次支票有限制吗？
B:No,there isn't.
B:没有。
I need a loan or overdraft to expand my business.
我急用一笔贷款或者透支款，以扩展生意。
A:I need a loan or overdraft to expand my business.
A:我急用一笔贷款或者透支款，以扩展生意。
B:I think we can approve your request of a loan for $8000.
B:我想我可以拨给你8000美元的贷款。

I’m sorry that we will not be available to offer you the credit.
对不起，我们无法给你提供货款。
A:I'm sorry that we will not be available to offer you the credit.
A:对不起，我们无法给你提供货款。
B:May I know the reason?
B:请问为什么？

Please would you cancel our check No. 530920 in favor of G. Mark Ltd. ?
请你取消号码为530920开给G马克有限公司的支票，好吗？
A:Please would you cancel our check No. 530920 in favor of G. Mark Ltd.?
A:请你取消号码为530920开给G马克有限公司的支票，好吗？
B:OK. Check No. 530920.
B:好吧，支票号码为 530920.
Have you ever thought of getting the draft discounted?
把支票贴现，你想过吗？

Can you please open an irrevocable documentary credit?
能开一张不可撤消的跟单信用证吗？
A:Can you please open an irrevocable documentary credit?
A:能开一张不可撤消的跟单信用证吗？
B:Yes,of course. May I know the beneficiary's name? And the amount?
B:当然可以。请问受益人的姓名。金额为多少？
irrevocable(adj.)
不能取消的

We have drawn a sight draft on you.
我们开具了一份以你为付款人的即期汇票。
A:We have drawn a sight draft on you.
A:我们开具了一份以你为付款人的即期汇票。
B:I'll inform my bank to pay the bill on my behalf and send me the documents.
B:我会通知银行代我付款，同时转给我船运单据。
sight draft( n.)
即期汇票,见票即付票据
We normally can’t allow overdraft facilities unless you make a formal arrangement with the bank.
我们通常不允许透支的，除非你同银行办理了正式手续。
overdraft(n.)
透支
Do you have any mortgage for the loan?
您有什么可以做贷款的抵押？
mortgage(n.)
抵押
Since you don’t have any collateral, perhaps you could get a guarantor.
既然你们没有担保物,也许可以找个担保人。
collateral (n.)
抵押品；担保物
What’s the current market rates of discounting?
现行的市场贴现率是多少？