常见银行英语词汇(各种银行术语和句子全面介绍)必备学习.doc

常见银行英语词汇美式论文、报告写作技巧 编者按：美式教育的特点即是课程内容强调学生参与及创新运用，因此，报告便成了常见的考核学生学习成果的方式，比如实验报告、学期报告、专题报告、研究报告及论文（含毕业论文）等。研究生presentation 及 seminar 的机会更是占很大的比重，有些甚至占学期成绩很大比例。如何完成报告、论文同时得到良好的成绩，是本文提供给有志留学的有心人参考的目的。 美国大学生由於自小已养成自动寻找答案习惯，在启发式的教育环境下，写报告、论文对他们来说比较不陌生，虽然专业知识上美国学生不见得比外籍学生强，但是表达能力由於自小培养，加上英语能力的优势，常比外籍学生在报告、论文方面有较隹的利基。反之中国学生比较缺乏报告写作的训练，因此如果在留学过程中无法适应美式教育会比较辛苦，其实论文、报告的写作要领其实不难，只要把握技巧就可水到渠成。 通常论文由篇首(Preliminaries)，本文(Texts)以及参考资料(References)三部分构成；而这三大部分各自内容如下： (一) 篇首： 封面(Title) 序言(Preface) 谢词(Acknowledge) 提要(Summary) 目录(Tables and Appendixes) (二) 本文： 引言(Introduction) 主体，含篇(Part)、章(Chapter)、节(Section) 、以及注释 (Footnotes) (三)参考资料： 参考书目(References or Bibliography) 附录资料(Appendix)。 进行论文或报告写作之前，先要确定想要表达的主题，主题确定后，将其具体表达，即为题目。题目可以提供研究者： 一.研究的方向 二.研究的范围 三.资料搜集的范围 四.预期研究成果 通常在确定题目之後就开始找资料从事研究，建议在找资料之前最好去问教授有哪些参考资料来源可供参考引用。构思为确定写作大纲或 Proposal 的先前步骤， 大纲是论文、报告的骨干， Proposal 是研究的架构、流程及范围的说明书。如何构思大纲或Proposal为论文、报告写作前的必要准备工作。好的论文或研究报告，要基于在完整、详实的资料上，而参考资料除了和教授商借之外，最主要的来源就是图书馆了，一般参考资料来源可分成教科书或手册、政府机构的报告、科技或商业方面的杂志，及会议性质的资料。此外现代的电脑资料库也可帮助收集资料，在国外可利用学校的电脑连线资料库寻找自己需要的资料。当一切准备就绪，即可开始着手写报告，一般报告还分大报告如期末、专题等报告，及小报告如 Seminar 式的报告。 就算是小报告，也至少应含 (一)TITLE PAGES ：包含主题名称、作者、日期 (二)Summary： 即主要的结论 (三)Introduction：包括理论背景及内容 (四)Technical Sections：是论文的主体，为最重要的部份应再细分为 几个片断。 (五)Conclusions：即扼要的结论 (六)Appendixes：复杂公式的导引及叁考资料和电脑程式的报表可附加在 此项 美式报告的撰写通常要打字，两行式，行间若有未拼完的字要以音节来连接。写报告通常需要用到电脑，如有计算数字统计图表的需求，也常会用到程式软体如PASCAL、LOTUS，统计分析软体如SAS，也是不可或缺的，电脑绘图在今日已成为工商界及学术界的重要工具，文书处理更是最基本的要求，因此Word for Window、Powerpoint、Excel便成了颇受欢迎的工具。此外在英文语法、文法上的润饰与修改，如能请老美帮忙会比较好。 论文、报告完成后有时会需要做解说(Presentation)，用英文来讲演对中国人来说算是一大挑战，通常课堂讲演时间为十五分钟到三十分钟，若是论文囗试则至少一小时。投影机及麦克风的使用对讲演的效果有很大帮助，正式讲演前多预习几次，时间宜控制适中，上台时忌讳低头拿着报告照念，需留意听众的反应，切中主题，避免太多数字的导引。常见银行英语词汇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。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 pasbook. 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。I need a checking account so that I can pay my bill.我需开个支票帐户，这样就能付帐。We'd like to know how we open a checking-savings account.我们想知道如何开一个支票储蓄帐户。I have a checking account here.我在这里有一个支票存款帐户。I think I'd like a deposit account.我想要开个定期存款帐户。Can I open a current account here?我能否在这儿开个活期存款帐户？I want to open a deposit account with you.我要开个储蓄帐户。I'd like to open a deposit account with you.我想在你们这儿开个定期存款帐户。Could you tell me the difference between a savings account and a checking account?请告诉我储蓄存款与支票存款的区别好吗？Please tell me the procedure for opening a savings account.请告诉我开个储蓄帐户需要什么手续。Will 100 yuan be enough for a minimum deposit?100元作最低存款额够吗？I'd like to know whether a 200 yuan deposit will be enough for opening a checking account.我想知道开一个支票帐户200元存款是否够。Could you tell me how to operate this account?请告诉我如何经管这个帐户好吗？Is there any minimum for the first deposit?第一次储蓄有最低限额吗？How much does each account cost?每个帐户要花多少钱？Useful Phrasescurrent 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 存款帐户to open an account 开户头银行英语口语存款How much do you want to deposit with us?你想在我们这存多少？How much do you wish to pay into your account?你希望在你的户头上存多少？How much money do you plan to keep in your account on a regular basis?你计划在你的户头上定期存放多少钱？How much cash do you plan to deposit in your account?你有多少钱要存入呢？I think you may deposit your money with the bank, or leave it here for temporary safe-keeping.我认为你可把钱存入银行，或留在银行暂保管起来。Would you please fill in the depositing form, giving the sum of money you're to deposit as well as your name, address and professional unit?请填张存款单，写明要存的数额以及你的姓名，地址和工作的单位，好吗？I want to deposit 300 yuan in my account.我想在我的户头上存300元。I want to deposit these cheques in my account.我想把这些支票存在我的户头上。I'd like to pay 200 yuan into my deposit account.我想在在我的定期存款户头上存200元。I want to deposit my paycheck.我想存入我的工资支票。I'd like to know whether I can cash a cheque here.我想知道我能否在这兑换支票。Will you please cash this traveler's cheque?请兑现这张旅行支票好吗？I'd like to cash this money order.我想兑现这张汇款单。I want to cash the balance of a traveler's letter of credit.我要把旅行信用证的结余兑现。Will you please tell me whether you charge for cheques?请告诉我兑换支票收手续费吗？Could you tell me how much the checks cost?请告诉我这些支票要花多少钱？What if I overdraw?如果透支了怎么办？Please sign your name on the bottom line if you want to cash the check.如果想兑支票，请在底线上签名。Please write your account number on the back of the check.请在支票背面写上你的帐号。We honored the check as the overdraft was only 5 yuan.我们承兑这张支票的透支额只有5元。Please endorse the cheque.请背签这张支票。The traveler's checks cost 1.5% of the total amount of purchase.旅行支票手续费是购买总额的1.5%。Here's the cheque book. When you send a cheque by post be careful to cross it, but if you wish to cash a cheque yourself, you must leave it "open".这是一本支票簿，你邮寄支票时，注意要在支票上打叉线。但是如果你本人想开张兑现支票，就不可打叉线。Each cheque you write will cost 2 dollars.你每开一张支票将花2美圆。Useful Words and Phrasesaccount 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，银票银行英语口语取款、结余I'd like to know if I can draw on my account for payment of things I buy in Tianjin.我想知道一下我是否能提取存款来支付天津购物的费用。I want to withdraw 200 dollars from my deposit account.我要从我的定期存款中支取200美圆。I want to close my account with you.我想结束在你们这儿的帐户。I'd like to draw 100 yuan against this letter of credit.我想从这份信用证上提款100元。May I draw money against the letter of credit here?我可以在这儿用这份信用证取钱吗？Could you tell me my balance?能否把存款结余金额告诉我？Please let me know my balance.请告诉我结余金额。I think you can draw on this account by cheque in payment of goods.我以为你可用支票提款支付购物费用。Your balance at the bank is 300 yuan.你在本行的结余是300元。Your deposit is exhausted.你的存款支净了。Your letter of credit is used up.你的信用证用完了。Please tell me how you wish to draw your money.请告诉我你希望怎样支款。Fill our a withdrawal form, please.请填写取款单。The letter of credit is exhausted.信用证上的款子已提清。The letter at Counter 6 will pay you against your number slip.六号柜台的出纳员将根据你的号码牌付给你钱。Useful Words and Phrasesto 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 出纳员银行英语口语兑换货币Please tell me how much you want to change.请告诉我你要换多少。How much of the remittance do you want to convert into Japanese yen?你要把多少汇款换成日圆？What kind of currency do you want?要哪种货币？What's it you wish to change?你有什么要换的？What kind of currency do you want to change?要换哪种货币？In what denominations?要什么面值的？Please tell me what note you want.请告诉我要什么钞票。Will seven tens be all right?7张10元的可以吗？Is it in traveler's cheques?换旅行支票吗？I'd like to know how I shall give it to you.我想知道如何付钱给你。How would you like it?你要什么面额的？Would you kindly sign the exchange form, giving your name and address?请在兑换单上签字，写出你的姓名和地址，好吗？Can you change me some money, please?能否请你给我兑换一些钱？Here it is, some French francs, Swiss francs, American dollars and a few Dutch guilders.这些就是：一些法国法郎，瑞士法郎，美圆和一些荷兰盾。Would you please give me seven five-pound notes, four pound notes and four ten-shilling notes, and the rest in small change.请你给我7张5镑纸币，4张1镑纸币，4张10先令纸币，剩下的要零票。Would you mind giving me the six pence in coppers?劳驾给我6便士的铜币。I'd like to know if you could change this money back into U.S. dollars for me.我想知道能否把这笔兑回成美圆。Could you change these French francs for me?能给我兑换这些法国法郎吗？Can you give me 100 dollars in Swiss francs?能否给我100美圆的瑞士法郎？I'd like to convert the full amount of the remittance into U.S. dollars.我想把全部汇款换成美圆。I'd like some coins for this note.我想把这张纸币换成硬币。I'd like to break this 50 dollar note.我想把这张50美圆纸币换开。Five twenties and ten singles, please.请给我5张20元和10张一元的。I need 300 dollars in 100-dollar cheques.我要300美圆票面为100美圆的支票。I hope you'll give me ten traveler's cheques of 100 dollars each.我希望给我10张面额为100美圆的旅行支票。In fives, please.请给我5元票面的。Could you give me some small notes?给我一些小票好吗？Useful Words and Phrasescurrency, 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）纸币银行英语口语储蓄存款利息What's the interest rate for the savings account?储蓄存款的利率是多少？Do you pay interest on this account?这种存款付给利息吗？Please tell me what the annual interest rate is.请告诉我年利率是多少。Interest is paid at the rate of 1% per annum at present.目前每年的利率是1%。It allows you to earn a little interest on your money.这可使你从存款中获得一点利息。The account carries interest of 4%.该存款有4%的利息。The interest is added to your account every year.每年的利息都加到你的存款中。