作者：冯晓霞
出版社：电子工业出版社
格式: AZW3, DOCX, EPUB, MOBI, PDF, TXT
金融英语(第4版)试读：
前言
Preface随着我国改革开放与国际化进程的不断加深，越来越多的外国企业、外国友人进入中国，中国金融业急需一批既懂专业知识又会英语的金融人才，这将为我国高职高专金融专业的学生提供更多的涉外就业机会。
本书从培养高职高级应用型人才的总体目标出发，结合学生毕业后的工作实际，力求向学生提供其未来工作岗位所需要的专业英语知识技能，培养学生使用涉外业务英语的能力，以培养口头交际和阅读的能力为主，突出培养学生柜台业务的英语操练能力。
本书内容以银行英语为主，主要分为对私业务、电子银行业务和对公业务，完全符合我国商业银行的实际业务分类。具体内容采用单元的形式编写，每个单元由五部分组成：第一部分为背景知识，主要介绍与本单元主题相关的知识；第二部分为对话，列举了一些日常对话范本；第三部分为常用词汇与实用句型；第四部分为练习，加强巩固本单元所学主题；第五部分为阅读理解，内容紧密贴合本单元所学主题。本书力求使学生掌握金融专业英语中最基本的单词、术语和句型，并能在此基础上进行基本的业务会话。
本书的主要特色是内容系统全面，实用性强，突出金融类专业涉外业务实务；构思独特，选材新颖，语言规范，创新性强；习题设计具有针对性、实用性和可操作性，学生能够实现零距离上岗。
相较于之前的版本，本书第4版的每单元的对话部分和阅读理解部分都根据银行业最新发展情况做了相应的修订和扩充，并增删了部分习题，题型更加多样化。
本书可作为高职高专金融专业学生的教材，也可用作广大商业银行内部员工的英语培训参考书。编者
Unit One Daily Reception
Part A Background Information
When a new customer comes to a bank to inquire about something or do some business, it is always polite for a bank clerk to greet him or her with a smile. At this time, the clerk can use“Sir”, “Miss” or “Madam” to call him or her in place of his or her name. Be sure that it is not followed by either the first name or the last name.
As for an old customer, a bank clerk can often use “Mr.”, “Mrs.”, “Miss”or “Ms.” followed by the last name. “Ms.” is used either for a married or an unmarried woman. So when a bank clerk is uncertain whether to call a lady“Miss” or “Mrs.”, he or she may just call her “Ms.”.
When a customer wants to see a manager, it's necessary for a secretary to ask his or her name, title and purpose of coming. Usually, a customer is introduced to a manager, a junior to a senior. After introduction, there may also be a handshake, if it's normal. As a rule, the manager reaches his or her hand to the customer, the senior to the junior. But very often the two would just smile and say “Hello” or “Hi” and then begin their conversation.
Part B Dialogues
Dialogue 1
A—Service manager B—Worried customer C—Other customers
A: Good morning, sir. What can I do for you? You look so worried.
B: Yes, I have to transfersome money to someone before 10 o'clock. Now it is ten minutes to ten. But there are still four persons in front of me. I don't know what to do for such a hurry.
A: Please don't worry. Let me help you with your business. （to other customers） Ladies and gentlemen, I am so sorry to botheryou. But this young man is in a hurry. Would you mind if we do his business before your turn?
C: No problem, please go ahead.
A: Thank you so much for your cooperation. （to the worried customer） Please.
B: （to other customers） It's very kind of you. Thank you very much. （to the service manager） Thanks a lot.
A: Don't mention it. My pleasure.
Dialogue 2
A—Service manager B—Customer
A: Good afternoon, miss. May I help you?
B: Yes. Could you tell me how to get to the Human Resource Department?
A: Certainly. Please go straight this way until to the end. Turn left at the corridor,then go upstairs. The department is on the second ☆oor.
B: Thank you. By the way, the manager's office is also on the samefloor?
A: Yes, you can't miss it.
B: Thanks. Goodbye.
A: Goodbye.
Dialogue 3
A—Customer service clerk B—Customer
A: Hello, Bank of China, No.245 serves for you.
B: Hello, can you tell me something about rentinga safe deposit box? I want to put some securitiesand insurance policiesin a safe place.
A: Yes, sir. We have three different box sizes which we can rent. The yearly rental fee depends onthe size of the box. Most people use the small size box. It's just right for securities and other valuable papers.
B: Do I have the only key to the box?
A: We will give you more than one key if you like. But we must have signaturecards for all authorizedbox users. It requires your key and the bank's key to open a box.
B: I see. How long can I rent it?
A: At least half a year.
B: Thank you. Goodbye.
A: Not at all. Goodbye.
Dialogue 4
A—Manager B—Customer
B: Could you do me a favor?
A: Certainly.
B: I want to remitsome money to my father. What should I do?
A: Please fill in this form first. By the way, do you take your number?
B: Yes.
A: OK. Please take a seat and wait your turn.
B: Thank you.
A: You're welcome.
Dialogue 5
A—Manager B—Customer
A: Hello, I'm the manager. Is there anything I can do for you?
B: Hello. This teller said my 100-yuan note was a counterfeitnote and must be conf i scated. My money can't be a forgedone.
A: Calm down, please. I'm sorry to hear that. But according to the regulations,the counterfeit note must be conf i scated on the spot,once it is found. The bank will issuea certificateof conf i scation to you. Let's identifyit again.
B: OK.
Dialogue 6
A—Manager B—Customer
B: Hello, are you the manager?
A: Yes, what's up?
B: I want to expressmy thanks to that miss of counter No.1. She is warm-hearted, considerateand patient,with an especially charmingsmile which make me feel comfortable. I am so satisf i edwith her service.
A: Thank you. I am so glad to hear what you said. It's our dutyand responsibility.
B: Thanks for your good service. Goodbye.
A: You're welcome at any time.New Words and ExpressionsNotes
1. Would you mind ...?
介意做某事吗？
用于非常客气有礼貌的询问。后面可跟从句或者动名词。如Would you mind if I open the window？ 或者 Would you mind opening the window?
2. This is Mike Smith from ABC Company speaking. May I speak to Mr. Li?
我是ABC公司的Mike Smith，李先生在吗？
电话用语，自我介绍时，一定要用This is sb. speaking。
Part C Useful Words and Sentences
1. Good morning. / Good afternoon． 早上好。/下午好。
2. Welcome to our bank． 欢迎光临本行。
3. May I help you ? / Can I help you? / What can I do for you
要我为您效劳吗
4. Could you do me a favor？ 能帮我一个忙吗？
5. Could you tell me...？ 能告诉我……
6. Would you mind...？ 介意我……
7. Certainly. / Of course. / No problem./ Sure. / My pleasure.
当然可以；乐意效劳。
8. By the way． 顺便问一下。
9. This way, please． 这边请。
10. After me, please． 请跟我来。
11. Please go to counter No.3． 请到3号柜台。
12. Thank you! / Thanks a lot. / Many thanks． 谢谢。
13. You're welcome. / Not at all. / Don't mention it． 不用谢。
14. Hello.This is sb. speaking. （电话用语）你好，我是某某。
15. Goodbye. / Byebye. / See you． 再见。
16. I'm looking forward to seeing you again． 期待您下次光临。
Part D Exercises
1. Fill in the blanks.
1） A: Good afternoon. ________________（见到您很高兴）, sir.
B: Nice to meet you, too.
A: ______________________（我能帮忙吗）?
B: Can I remit money here?
A: _______________（当然可以）, please!
2） A: ____________________（要我为您效劳吗）, sir?
B: Yes, I want to withdraw money.
A: ________________（没问题）. Please wait a moment. Here is your money.
B: _______________（非常感谢）.
A:________________（不用谢）.
2. Make a conversation orally with the information given below.
Imagine you are a clerk of a bank, there is a customer who wants to know something about safe deposit box. You should:
1） to greet your customer;
2） to ask your customer to repeat what he said;
3） to answer your customer's question.
3. Read the following article and answer questions.
Citibank is part of Citigroup Inc., the largest financial service organization in the United States, as ranked by size of assets. The formation of Citigroup in 1998 created a new model of financial services organization to serve its clients' financial needs. Citibank itself has more than 1,100 branches in 42 countries and prides itself on providing and expanding technological resources for its customers.
Citigroup seeks committed employees in its wide range of businesses and offers a full range of benefits and employee programs. Two-thirds of Citigroup employees own stock in the corporation, which believes that employee ownership is a key to employee commitment and customer service.
1） Would you prefer to work for a large banking corporation or a small local bank? Why?
2） Why does stock ownership by employees encourage better performance and customer service?
Part E Reading
The Bank and the CustomerA bank is a company engaged in banking business. As contemporary banking business includes a wide area of financial services which go beyond traditional banking business, a banker nowadays carries a broader responsibility.
A client or a bank's customer would be a person or a company who has business dealings with a bank. Although banks provide a wide range of business, so long as the business dealing involves the opening of an account with the bank and any other financial services required by the client, the relationship between a bank and a client is established.
The relationship between a banker and his client is a contractual agreement under which, once an account is established, the agreement begins to operate. One may also view the banker-client relationship as a debitor-creditor relationship. The “creditor” refers to the depositor who deposits money with the bank. The “debitor” refers to the borrower who borrows funds from the bank.
Another broader concept of bank activity refers to the principal-agent relationship. The term “agent” refers to the services that the bank provides to the customer, i.e.,the bank acts as an agent to collect and process customer's checks and accepts customer's instructions in providing other services including foreign exchange services, investment advice, financial management and bonds purchasing and selling etc.
The relationship between the banker and the client can be terminated by either party so long as the party which wishes to end the business relation. The closing of an account would be sufficient to provide ground for the termination of the business relationship between a banker and his client.
In the contemporary world, the banking industry is developing significantly in the wake of rapid economic development in all countries and regions. This is particularly true in China.
Commercial banks of different ownerships are fiercely competing for market shares and customers. After China's banking sector has been fully opened to foreign investors and financial institutions, Chinese and foreign banks compete on an equal footing. In addition to conventional business lines, they have turned out varieties of service products, for example, wealth management service, in order to compete with another for more customers.
Unit Two Opening an Account
Part A Background Information
Commercial banks provide savings services to customers and those savings are one of the primary sources of funds for the banks. Banks offer many different accounts to their customers. In general, bank accounts can be classified as two categories, current account and fixed account.
Current account is also called a checking account in the West. Normally we use the term current or demand when we talk about a checking account maintained by a business firm. Anybody, either a firm or an individual, may open a current account. But in the West, people often call individual accounts personal checking accounts. That's just a different name for the same thing.
The balances in the current accounts are subject to the withdrawals on demand. However, a fixed account requires notice to the bank, usually seven days before the depositor has a right to make a withdrawal. In normal practice, banks usually waive notice and allow immediate withdrawals.Part B Dialogues
Dialogue 1
A—Clerk B—Customer
A: Good morning, sir. May I help you?
B: Good morning. I would like to open a savings account, but I don't know which account it should be. Would you please give me some information?
A: Certainly, I am very glad to help you. Usually we offer current or f i xed accounts for individuals. What kind of account would you like to open?
B: What's the differencebetween them?
A: If you open a f i xed account you'll have a deposit certificatein the name of the depositorand the interest rateis higher.
B: How about the current account?
A: The current account takes the form of a passbook. You may withdraw the money at any time. You just need to presentyour passbook.
B: Thank you for your help. I think I'll open a current account.
A: OK. I'll handlethis for you. Do you have any meansof identification?
B: Will my ID card do?
A: Of course. Please fill inthe deposit slipwith your name, address, ID card number, the amount and the date.
B: No problem. Is there a minimumdeposit for opening an account?
A: Yes. But one yuan is OK for opening a current account.
B: I see.Here is my 1,000 yuan, the slip and my ID card.
A: Please wait a moment. （after a while） Please enter a six-digit password for your account. And enter it again. Well, everything is done. The password is the key with which to withdraw your money. Please keep it in mind f i rmly and don't let other people know it.
B: Thank you for your reminder.
A: You're welcome.
Dialogue 2
A—Manager B—Customer
A: Good afternoon, sir. Can I help you?
B: Yes, I work in a joint venture corporationand shall stay here for two years. I wish to know how to open accounts with your bank.
A: Sure. Accordingto relevant regulationsfor opening a bank account in one's real name, any individual person may open in his or her name a RMB savings account for a passbook at any commercial bank. Of course, you can deposit your money in a f i xed account.
B: Suppose I need to use two or more currencies,how can I open an account?
A: You can have an all-in-one passbook, a very convenientproduct.
B: What is that? Can you explain it to me?
A: Actually it is a current account in which you can deposit many currencies, such as RMB, US dollar, Japanese yen.
B: It sounds attractive. What is the procedure for it?
A: The Chinese citizens need to provide their validID cards, and foreigners should present their valid passports.
B: Is it the same for a time deposit? How long is the maximum term?
A: Right. The minimum term is three months, and the maximum term is five years.
B: Thank you for your information.
A: You're welcome.
Dialogue 3
A—Clerk B—Customer
A: Good morning, sir. Can I help you?
B: Yes, please. I'd like to open a checking account.
A: No problem. Please show me your ID card and fill in this form. Don't forget to sign your name.
B: By the way, what is the minimum deposit for opening a checking account?
A: It's 1,000 yuan.
B: Then I'll make a deposit of 2,000 yuan.
A: Wait a second. OK. Your ID card.
B: Can I write a check now?
A: Sorry. I am afraid you can't. Your checkbookwill be ready in two days.
B: I see. I will get my checkbook the day after tomorrow.
A: I am looking forward to seeing you again. Goodbye.
B: Goodbye.New Words and ExpressionsPart C Useful Words and Sentences
1. savings 储蓄金
2. deposit 存款
3. savings account 储蓄账户
4. current account 活期存款账户
5. fixed account 定期存款账户
6. checking account 支票账户
7. interest rate 利率
8. passbook 存折
9. deposit certificate 存单
10. deposit slip 存款凭条
11. What kind of account do you want to open?
您想开立什么账户？
12. You may open a current account.
您可以开一个活期存款账户。
13. I want to withdraw money whenever I need it.
我希望在需要钱时可以随时取款。
14. Do you have any means of identification?
您带身份证明了吗？
15. Will my ID card do?
身份证可以吗？
16. We have checking accounts and savings accounts.
我们有支票账户和储蓄账户。
17. Is there any minimum for the first deposit?
有最低起存存款额吗？
18. Please fill in the slip first.
请先填写凭条。Part D Exercises
1. F i ll in the blanks.
1） A: Good morning. _________________（我想开个账户）, but I don't know what account it should be.
B: Do you often _______________________（存钱取钱吗）?
A: Yes.
B: So it will be a good idea to _________________（开个活期账户）.
2） A: What can I do for you, sir?
B: ________________________________.（我想开个存款账户。）
A: Very well, sir._________________________（您想开什么账户）, please?
B: I'm not sure. What kind of accounts do you have?
A: ________________________.（我们有活期账户和定期账户。）
B: What's the interest rate for current account?
A: 0.5%.
B: It's too low. ________________________.（我还是开个定期账户吧。）
A: OK. _________________________.（请填写凭条，并出示您的身份证明。）
2. The following is a list of deposit interest rate. Please tell it to your customer in English.
3. Make conversations orally with the information given below.
A lady wants to open an account.Part E ReadingNecessity of Opening a Bank Account
Before the 1980s, many families were unable to make both ends meet with a very limited and low income. As a result, they had no money to deposit at the bank. Even if they had some surplus of money, they just kept their money at home for the sake of convenience. What's more, many even did not know what a bank passbook was like.
Nowadays, almost every family in China has a passbook or bank card for the deposit of their surplus after payment of daily expenses. Of course, there are some other considerations for people to put money at the bank. On one hand, it is safe to keep their money at the bank. On the other hand, they can earn interest if they place their money at the bank. For more or less the same reason, many high-income families keep a number of accounts with different banks and their members may hold a few credit cards. A host of them may have RMB and foreign currency accounts, and even several accounts in foreign currencies. Nobody is so unwise as to keep a few currencies idle in hand. After individuals were permitted by the state to retain personal foreign exchanges, they can operate via banks such savings for more earnings than interest income. Under such circumstances, commercial banks, one after another, try to introduce diversified products of wealth management for customers. If you don't open any savings account with the bank, how could you make your money bring in more money?
Unit Three Handling Deposits
Part A Background Information
Money has the capacity to generate more money. If a given sum of money is deposited in a savings account, it earns interest; if it is used to purchase corporate stock, it earns dividends; if it is used to purchase a warehouse that is then rented to a business firm, it earns rent. Thus, as time elapses the original sum of money expands through the accretion of these periodic earnings.
We shall generally use the term interest in a broad sense to denote the money earned by the original sum, regardless of whether the money earned is referred to in ordinary commercial parlance as interest, dividends, rent, or business prof i ts. The time rate at which a sum of money earns interest is known as the interest rate; it is expressed as the ratio of the interest earned during a given period to the sum of money that is earning interest. For example, if the sum of $ 100 earns $ 10 interest in 1 year, the interest rate is 10/100, that is 10% per annum.Part B Dialogues
Dialogue 1
A—Clerk B—Customer
A: Good morning, sir. May I help you?
B: Good morning. I'd like to deposit some money. Would you please tell me the interest rate for a regular savings account at present?
A: Of course. It's 0.3%.
B: How about the interest rate for the fixed deposit?
A: There are six kinds of fixed deposits in our bank. They are threemonth, six-month, one-year, two-year ,three-year and five-year fixed deposits. Which one do you mean?
B: Six-month and one-year deposits.
A: 1.55% for six-month and 1.75% for one-year.
B: Oh,it's too low for fixed deposits. Please arrange a five-thousand-yuan regular savings account deposit for me.
A:Very well. It's very convenient with a regular savings account. You can deposit or withdraw money at any time and make a purchase of securities investment funds,treasury bonds,etc. Please check the deposit slip and sign your name.
B: OK. Here you are.
A: Your bankbook.
B: Thank you.
A: You're welcome.
Dialogue 2
A—Customer B—Clerk
A: Hello,Miss. I want to deposit RMB 10,000 with your bank.
B: Yes. How long do you want to keep it in our bank?
A: One year, please.
B: Oh, you want a time deposit. Then you have to fill in this form with your name, ID card number, address, telephone number, deposit term and the amountyou want to deposit.
A: OK. By the way, what if I need the money for an urgentneed before the maturitydate?
B: Don't worry. You can draw your money at any time. But you would not receive the stated interest return.
A: You mean I would lose all my interest?
B: No, not all. What we can offer is a current one.
A: I see. What ifI forget to cash my money when the maturity date comes?
B: In that case, we'll just regardyour account as a regular savings account from then on. If you like, you can select automatic renewal.
A: Automatic renewal?
B: That means your time deposit will be automatically renewed upon maturity date when you don't cash your certificate.
A: I got it. Thank you very much.
B: My pleasure.
Dialogue 3
A—Customer B—Clerk
A: Could you tell me what should be done if I want to deposit some money?
B: Sure. F i rst of all you should know is that there are four ways
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