作者：刘延平,董亮
出版社：浙江大学出版社
格式: AZW3, DOCX, EPUB, MOBI, PDF, TXT
金融业职员英语口语试读：
版权信息书名：金融业职员英语口语作者：刘延平,董亮排版：Clementine出版社：浙江大学出版社出版时间：2010-04-01ISBN：9787308074537本书由浙江大学出版社有限责任公司授权北京当当科文电子商务有限公司制作与发行。— · 版权所有 侵权必究 · —part 1Daily Services日常服务Unit 1Greeting and Reception招呼与接待
Top Sentences典型例句
1.Could you tell me where to change some US dollars into RMB?请问在哪儿可以把美元换成人民币？
2.Is there anything I can do for you?我能帮您什么忙吗？
3.Can a foreigner open an account here?外国人可以在这开立账户吗？
4.I think maybe US$600 at least.我想大概至少要600美元。
5.The change maximum limit is US$400 according to our regulation.按照我们的规定，兑换的最大限额是400美元。
6.I would like to see Mr. huang in the Loan Department.我想见贷款部的黄先生。
7.he will come back in an hour. Would you care to wait?他一个小时后就回来。您能等一下吗？
Words and phrases生词与词组
account账，账户agency机关
care在乎，介意consultant顾问；高级顾问医生
reconversion退汇regulation规章，规则
Fashion Conversations轻松会话
Dialogue 1
A:Could you tell me where to change some US dollars into RMB?
B:please go to counter No. 7.
A:Thank you.
B:You're welcome. A:请问在哪儿可以把美元换成人民币？
B:请到7号柜台办理。
A:谢谢。
B:不用客气。
Dialogue 2
A:Good morning. Nice to meet you, Sir.
B:Nice to meet you, too.
A:Is there anything I can do for you?
B:Can I exchange some money here?
A:Certainly, please. A:早上好。见到您很高兴，先生。
B:见到您我也很高兴。
A:我能帮您什么忙吗？
B:我可以在这里兑换钱吗？
A:当然可以，请兑换。
Dialogue 3
A:how do you do? happy to know you.
B:how do you do? May I ask a question?
A:Yes, please.
B:Can a foreigner open an account here?
A:Yes, of course.
B:Thanks a lot.
A:You're welcome. A:您好。很高兴认识您。
B:您好。我可以问一个问题吗？
A:可以，请问吧。
B:外国人可以在这开立账户吗？
A:当然可以。
B:多谢。
A:不用谢。
Dialogue 4
A:Excuse me, Sir. Is there anything I can do for you?
B:Yes. I'd like to change some money, please.
A:All right. how much would you like to change?
B:Let me see. I think maybe US$ 600 at least.
A:pardon?
B:Six hundred US dollars.
A:I'm sorry, Sir. After 7:00 p.m., the change maximum limit is US$400 according to our regulation.A:您好，先生。我能为您做些什么吗？
B:是的，我想兑换一些钱。
A:好的。您想兑换多少呢？
B:让我看看。我想大概至少要600美元。
A:多少？
B:600美元。
A:很抱歉，先生。按照我们的规定，下午7点后，兑换的最大限额是400美元。
Dialogue 5
A:I would like to see Mr. huang in the Loan Department.
B:Is it Mr. huang, our Financial Consultant, Sir?
A:Yes.
B:May I ask your name, Sir?
A:My name is Li Tao. I'm from BpC Company.
B:Just a moment, please. I'll see if Mr. huang is available.
A:Thank you.
B:I'm sorry, Sir. Mr. huang has just left the office, but he will come back in an hour. Would you care to wait?
A:Yes, I'll wait.
B:please take a seat. I'll let you know as soon as he is back.
A:Thank you.A:我想见贷款部的黄先生。
B:先生，您是指我们的财务顾问黄先生吗？
A:是的。
B:先生，能问您的名字吗？
A:我是BpC公司的李涛。
B:请稍等。我看看黄先生在不在。
A:谢谢。
B:对不起，先生。黄先生刚离开办公室，但他一个小时后就回来。您能等一下吗？
A:好的，我等一下。
B:请坐。他一回来我就通知您。
A:谢谢。
Dialogue 6
(The customer wants to cash his traveler's Letter of Credit. The teller is serving for him.)
A:Good morning, Sir. What can I do for you?
B:I'd like to cash my traveler's Letter of Credit. Could you handle it for me?
A:All right. Let me see.
B:here it is. It was issued by the hong Kong Bank of Communications one month ago.
A:OK. please wait a few minutes. I'll first of all check the authorized signature on your Letter of Credit and the valid period for payment in its instructions.
B:What's my L/C's instructions for payment period?
A:Six months. So be sure to cash it within that time.
B:If my L/C leaves a balance during the time, could you make a reconversion for me?
A:Certainly we can, and it can be done by the issuing bank too when you go back home.
B:Should I pay some commissions for the cashing?
A:You'll not be charged commissions.
B:That's great.(客户想兑现他的旅行信用证，出纳员正在为他服务。)
A:上午好，先生。我能为您做点什么？
B:我想兑现我的旅行信用证。您能给我兑现吗？
A:可以，让我看看。
B:给您。它是香港交通银行一个月前出具的。
A:好的。请稍候。我首先要核对一下信用证上有权签字人的签字和它规定的兑付有效期限。
B:我的旅行信用兑付期是多久？
A:6个月。所以，您一定要在此期间兑现。
B:如果在此期间，我信用证里的金额不能全都用完，你们能办理退汇吗？
A:当然可以，您也可以在返回香港后到开证银行办理。
B:我需要支付兑现手续费吗？
A:您无须付任何手续费。
B:太好了。Unit 2
At the Inquiry Desk在问询处
Top Sentences典型例句
1.I notice the amount of money is written in ordinary and capital form.我注意到金额有小写和大写两种形式。
2.The purpose of capital form is for checking up and to guarantee the accuracy of the amount.大写的目的是为了核对及保证数字的准确性。
3.Can I draw money on my account for payment of things I buy in China? 请问我是否可以取款支付我在中国买东西的费用？
4.The detailed information is on the board. 详细情况在那块布告栏上。
5.But don't you think there should be a note to us after the money is paid?但你不觉得应该在收费之后通知我们吗？
6.I've taken the job not long and there are many things I'm not familiar with.我才接管这个工作不久，对许多情况还不熟悉。
7.Would you please tell me what I should do to have funds transferred to me here from New York?请您告诉我，我应当怎样做才能从纽约把专款转账到我这里呢？
8.I'm sure we have a correspondent relationship with your bank as we maintain a correspondent relationship with most of the large banks in New York.我们与您的银行有往来行关系，因为我们与纽约大多数大银行保持着往来行关系。
9.Our bank has special provisions for apartment building loans of college students, which is no longer than 10 years.我行对高等院校学生公寓建设贷款有特别规定：最长不超过10年。
10.It has the similar function with cash and is very convenient to carry and quite safe.它与现金功能相似，便于携带，而且安全性高。
Words and phrases生词与词组
commission委托，授权commission charge手续费
correspondent往来商行，代理银行；客户telegraphic电报机的，电信的
Fashion Conversations轻松会话
Dialogue 1
A:I want to ask a question of you. Are you free now?
B:Go ahead, please.
A:On some formal bills, I notice the amount of money is written in ordinary and capital form. What's the purpose of capital form and what is the correct pattern for money unit and the amount?
B:OK, it is a good question. The purpose of capital form is to check up and guarantee the accuracy of the amount. The correct pattern is: currency + amount + money unit. For example: RMB five hundred and fifty yuan eight Jiao five fen.
A:Oh, I see. But how can I… (The telephone rings.) I have another question. I will come here tomorrow. Thank you, professor. Bye-bye!
B:You are welcome anytime, bye-bye!A:我想请教您一个问题。您现在有空吗？
B:请讲吧！
A:在一些正式单据上，我注意到金额有小写和大写两种形式。为什么要用大写？货币单位和金额的正确书写形式是什么？
B:好的，问得好。大写的目的是为了核对及保证数字的准确性。正确的书写形式是：货币名称+金额+货币单位。例如：人民币伍佰伍拾圆捌角伍分。
A:哦，我明白了。但是我怎么能……(电话铃响了。)我还有一个问题。我明天再来吧。谢谢您，教授。再见。
B:随时欢迎你来，再见。
Dialogue 2
A:Excuse me, but can I draw money on my account for payment of things I buy in China?
B:Certainly, Sir. how much do you want to draw?
A:RMB500, please. Would you please tell me my balance?
B:Yes, Sir. Your balance is RMB300.
A:I'm sorry, but may I ask one more question?
B:Of course, please do. What is it?
A:What's the interest rate for the savings account?
B:The detailed information is on the board. please go and see there.
A:Many thanks.A:打扰一下，请问我是否可以取款支付我在中国买东西的费用？
B:当然可以，先生。您要取多少钱？
A:我取500元。请告诉我账上还有多少钱，好吗？
B:好的，先生。您账上的余额是300元。
A:对不起，我还能问一个问题吗？
B:当然可以，请问吧。什么问题？
A:储蓄存款的利率是多少？
B:详细情况在那块布告栏上。请去那里看吧。
A:多谢。
Dialogue 3
A:Excuse me, but we have a difference of 958.60 yuan in our account.
B:Sorry. Your account number, please?
A:86549231.
B:Well, the bad figure is on a withdrawing record of July 26th: 958.60 yuan.
A:But we have never withdrawn this sum of money that day.
B:It's your communication charge. We are commissioned to pay it for you.
A:But don't you think there should be a note to us after the money is paid?
B:Yes, I think so. It has been put in your notice box in our bank.
A:Oh, I see. I've taken the job not long and there are many things I'm not familiar with.
B:It doesn't matter. please come and ask whenever you have questions.
A:Thank you.
B:You are welcome.A:打扰一下。我们账户上出现了958.60元的错账。
B:对不起。请问您的账户号是多少？
A:86549231。
B:嗯，错账在一张7月26日的取款单上：958.60元。
A:但我们那天没有取过这样一笔钱呀。
B:这是你们的通信费用。我们是受委托收取的。
A:但你不觉得应该在收费之后通知我们吗？
B:是的，没错。通知单已放在我们银行的通知箱里了。
A:哦，我明白了。我才接管这个工作不久，对许多情况还不熟悉。
B:没关系。无论什么时候，有问题尽管来问好了。
A:谢谢。
B:不客气。
Dialogue 4
A:Would you please tell me what I should do to have funds transferred to me here from New York?
B:The fastest way is by telegraphic transfer from your bank in New York to us.
A:It's from my company. I think they were going to send me a cheque. Can you cash it into dollars for me?
B:Yes, we can. But it will take about 10 days to collect the proceeds if the cheque is drawn on a New York bank. If you ask your company to apply a cheque drawn on the Bank of China, we can cash it right away.
A:how would they do that?
B:Through your company's bank in New York. The bank can issue a banker's cheque drawn on their correspondent here in China. They can issue it in dollars or RMB, whichever you prefer.
A:I need dollars.
B:Then I think you should ask them to issue a dollar check drawn on our bank. That would be the easiest. I'm sure we have a correspondent relationship with your bank as we maintain a correspondent relationship with most of the large banks in New York.
A:I will write and ask them to do that. Then, if I need RMB, can I exchange some dollars for RMB?
B:Yes, that's right. No problem at all.
A:Thank you very much for your information.A:请您告诉我，我应当怎样做才能从纽约把专款转账到我这里呢？
B:最快的办法是让您在纽约的银行电汇到我们这里。
A:钱是我们公司寄来的。我想他们会给我寄来一张支票。您能为我把那张支票兑现成美元吗？
B:是的，我们可以为您兑现。不过，如果支票是由纽约银行开出的，我们就要花10天时间去取回款项。如果您请您的公司申请一张中国银行开具的支票，我们便可立即为您兑现。
A:那他们该怎么做才行呢？
B:通过贵公司在纽约的银行来办。纽约的银行可以发出一张银行支票，这张支票可以在中国这里的往来银行支取。纽约的银行能够以美元或人民币开具银行支票，您选择哪一种都可以。
A:我需要美元。
B:那么，我认为您应当要求那里的银行开具一张能够在我们银行支取美元的支票。这将是最为简便的方法。我们与您的银行有往来行关系，因为我们与纽约大多数大银行保持着往来行关系。
A:我这就写信要求他们照此办理。那如果我需要人民币，我可以用美元兑换人民币吗？
B:是的，可以，完全不成问题。
A:非常感谢您告诉我这一切。
Dialogue 5
A:hello! What can I do for you?
B:hello! I've a project on commercial housing now. I value it highly and must know something about project loans in detail. I'm afraid it will occupy you much time.
A:That's all right. Do you intend to loan today?
B:No, I just come to inquire something about it.
A:There are several kinds of commercial housing development loans. Could you please talk it in detail?
B:Specifically, we would like to invest in the development of student apartments district.
A:Ah, your idea is of great originality. Maybe you will set off a wave of building student apartments district.
B:Right. This scheme has become an important part of our company.
A:First, the borrower should meet some certain conditions: one is to have business license; and the second is to have real estate development enterprise quality certificates.
B:No problem.
A:Another point is that the credit of the company should be good.
B:I see. That's for sure.
A:Moreover, you need to prepare the materials of the total plane chart, programming design, the investment budget, construction progress and statement of application of fund.
B:Also need the joint development contract?
A:Yes. Is it built out of the school?
B:Yes, after all the land resources inside the school is limited. Our plan is to set up a district for food, housing, commerce, electronic access, sports, and leisure.
A:Which loan term do you want to choose?
B:The one above five years.
A:OK. But our bank has special provisions for apartment building loans of college students, which is no longer than 10 years.
B:That is all right. What is more, the return is also lump-sum payments.
A:No problem. please prepare all the relevant documents, and then directly apply for the loan, at last our bank will have a survey and an assessment.
B:OK, I see. Thank you very much.
A:My pleasure.A:您好！有什么能为您效劳吗？
B:您好！我刚接手一个商品房项目，我很重视，想要细致了解一下项目贷款的相关信息。这恐怕要占用你一些时间。
A:没关系。您今天就打算办理贷款吗？
B:不是的，我今天来只是咨询一下。
A:商品房开发贷款分好几种，您能具体谈谈吗？
B:具体说来，我们是想投资开发学生公寓小区。
A:嗯，这个创意比较新颖。说不定你们还会掀起一股兴建学生公寓小区的热潮。
B:对。这个计划已经成为我们公司的重头戏。
A:首先，借款人应符合一些条件：第一，要有营业执照；第二，要有房地产开发企业资质等级证书。
B:没问题。
A:还有一点就是公司的信誉要良好。
B:明白了，这是肯定的。
A:另外，你们需要好好准备一下项目所在地总平面图、规划设计方案、投资预算书、施工进度和资金运用表的落实资料。
B:联合开发的合同也要吗？
A:要。是在校外划地修建吗？
B:是，校内土地资源毕竟有限。我们计划是建成一个集吃、住、商贸、电子阅览、文体、休闲为一体的小区。
A:你打算选哪种贷款期限？
B:5年以上的。
A:好的。不过，我行对高等院校学生公寓建设贷款有特别规定：最长不超过10年。
B:好。另外，归还方式还是一次性还本好了。
A:行，没问题。那您就把相关资料准备全，然后直接申请贷款，最后我行再进行调查、评估。
B:好的，我明白了。十分感谢。
A:不用谢。
Dialogue 6
A:Good morning. What can I do for you?
B:I'd like to inquire something about traveler's check.
A:OK. Traveler's check is very popular among tourists, students, businessmen and other travelers. It has the similar function with cash and is very convenient to carry and quite safe.
B:Excuse me, but can it be used all over the world?
A:Yeah, a traveler's check with union pay is accepted worldwide.
B:I see. Are there any other virtues for this check?
A:Of course. It features in various values. Taking US dollars for example, ranging from $20 to $1,000.
B:Is that all?
A:Of course not. What's more, traveler's check involves many kinds of convertible money. In that case, it can avoid loss caused by the change of exchange rate.
B:Thanks. Now I have a basic understanding about traveler's check.
A:It's my honor. Is there anything else I can do for you?
B:Uh, yeah, would you tell me how traveler's check works?
A:It's rather simple. You just sign your name on the check when you want to exchange it.
B:But in that case, it will be very easy to lose, isn't it?
A:You can rest assured of it. As you require exchange, we'll check the writing with your former signature. Even if it is really lost, you can report the lost to the bank.
B:I got it. Maybe I will apply for one next time.
A:You're welcome at any time. To be honest, you'll benefit a lot from traveler's check.
B:I hope so. By the way, how much will it charge for?
A:The commission charge is quite low, only 0.75 percent of the money.
B:So it is. I'll consider it. See you later.
A:Bye.A:早上好。有什么可以为您效劳的吗？
B:我想咨询一下有关旅游支票的问题。
A:好的。旅游支票很受游客、学生、商人和其他旅游者的欢迎。它与现金功能相似，便于携带，而且安全性高。
B:不好意思，打断一下，它能在世界范围内通用吗？
A:是的，银联的旅游支票可全球通用。
B:知道了。这种旅游支票还有其他优点吗？
A:当然有了。旅游支票的面值多样化，就拿美元来说吧，有20美元到1000美元等一系列的面值。
B:就这些吗？
A:当然不是。更重要的是它包括多种可兑换货币，那样的话就可以避免汇率变动所带来的损失。
B:谢谢。现在我对旅游支票差不多有个基本的了解了。
A:这是我的荣幸。还有其他的问题吗？
B:嗯，有，你能跟我说说旅游支票的使用程序吗？
A:程序很简单。兑换的时候您只需签个名就行了。
B:但这样的话，支票不就很容易丢失吗？
A:这个您尽管放心。您要求兑换的时候，我们会对照您原来的签名。即使是丢了，您也可以去银行办理挂失。
B:我明白了。我可能下次过来申请。
A:随时欢迎。老实说，办旅游支票真的会使您受益无穷。
B:希望如此。顺便问一下，手续费是多少？
A:手续费很低，只按金额的0.75%收取。
B:的确很低。我会考虑的。再见。
A:再见。Unit 3
Introduction介绍
Top Sentences典型例句
1.Could you tell Mr. Chen that Mr. Smith has been here?您可以告诉陈先生史密斯先生来过这里吗？
2.That means it's such an account from which you can earn interest.那是指一种您能从中获得利息的账户。
3.The interest is calculated according to the interest rate and the sum of money you deposit.利息是根据利率和您的存款额来计算的。
4.Tax has been deducted from your account, totally 1.85 yuan.税费已经从您的账户上扣除了，一共是1.85元。
5.We can keep your code and information safe.我们银行会对您的密码和相关信息保密的。
6.The education deposit interest of 3-year term will be calculated at the same rate of the same term of lump sum deposit and withdrawal time deposit.三年期教育储蓄按开户日同期同档次整存整取定期储蓄存款利率计息。
7.I don't need to put so much cash in my wallet or worry about not having enough cash with me any more.我再也不用把那么多现金放在钱包里了，也再也不用为随身携带的现金不足而担心了。
8.I think a peony Credit Card is just what I want.我想牡丹信用卡正是我想要的。
Words and phrases生词与词组
automatically自动地，机械地installment payment分期付款
lump sum一次付款额，总金额peony牡丹
Fashion Conversations轻松会话
Dialogue 1
A:Good morning. Welcome to ICBC.
B:Good morning. I would like to meet the manager, Mr. Chen.
A:I'm sorry. Mr. Chen is out on some business at the moment. I am his secretary.
B:May I know your name, please?
A:My name is Xu Ming.
B:Nice to meet you, Mr. Xu.
A:Nice to meet you, too.
B:Could you tell Mr. Chen that Mr. Smith has been here?
A:Certainly.A:早上好。欢迎光临中国工商银行。
B:早上好。我想见经理陈先生。
A:很抱歉。陈先生现在外出办事去了。我是他的秘书。
B:请问您叫什么名字？
A:我的名字是徐明。
B:很高兴见到您，徐先生。
A:我也很高兴见到您。
B:您可以告诉陈先生史密斯先生来过这里吗？
A:当然可以。
Dialogue 2
A:Excuse me, could you tell me what the meaning of the term "interest-bearing account" is? I just don't understand it.
B:Of course. That means it's such an account from which you can earn interest. Are you clear now?
A:Yes, a bit. Can you give an example?
B:A saving account, for instance, the one you have opened just now.
A:Splendid! You mean that I can earn interest from my account. But how much money do I earn?
B:The interest is calculated according to the interest rate and the sum of money you deposit. For current savings account, our interest rate is 0.95% each year. As a rule, we credit the earned interest to your account automatically every quarter.
A:Thank you for your explanation. I'll go back and calculate my interest.A:劳驾，你能告诉我"有息账户"是什么意思吗？我不明白。
B:当然可以。"有息账户"是指一种您能从中获得利息的账户。您现在明白了吗？
A:是的，明白一点了。您能举例说明一下吗？
B:比如，您刚才开立的储蓄账户。
A:太棒了！你是说我能从账户上获得利息。我能获息多少呢？
B:利息是根据利率和您的存款额来计算的。我们银行活期储蓄的年利率是0.95%。银行规定，按季度自动将利息划入您的账户。
A:谢谢你的解释。我回去算一算我的利息。
Dialogue 3
A:Good afternoon, Sir. What can I do for you?
B:Yes. Several days ago, I came to open a bank account, but I forgot to ask the interest. Can you talk about it in details?
A:It's my pleasure. Which one did you open, a fixed account or a current account?
B:A current account.
A:OK. Interest is paid at the rate of 0.81% per annum at present.
B:I got it. Is the interest rate of a fixed account higher than that of a current one?
A:Yes.
B:how to calculate the interest? I have no idea.
A:The days of saving deposit are calculated by 30 days per month, 365 per year. Interest equals "cash" multiply "rate" multiply "days".
B:I see. I want to know how much money I have got now.
A:Oh, do you take the passbook with you?
B:Yes. here you are.
A:On Feb. 14, you deposited 13,688 yuan into your account. Thus, there are 13,695.39 yuan in your account.
B:En, anything else I should pay for?
A:Yes. The tax should be charged. Tax has been deducted from your account, totally 1.85 yuan.
B:OK. We should.
A:Any problem?
B:Interest I have got is that initial interest minus tax charge?
A:Yes, you are right.A:先生，下午好。有什么能为您效劳的吗？
B:是的。前些天我来开了一个银行账户，但是我忘记问存款利率了。你能给我具体介绍一下吗？
A:很乐意为您效劳。您开的账户是定期账户还是活期账户？
B:活期存款。
A:好的。目前的活期年利率是0.81%。
B:我知道了。是不是定期存款利息要比活期的高呢？
A:是的。
B:那该怎么样计算利息呢？我不明白。
A:储蓄存款的天数按1个月30天、1年365天计算。利息就等于本金乘以利率再乘以存期。
B:我明白了。我想知道我的账户上现在有多少钱。
A:哦，您带存折了吗？
B:带了，给你。
A:您于2月14日存入13688元，因此您的账户上有13695.39元。
B:嗯，还有其他要扣缴的费用吗？
A:是的。您还应该缴纳税费。税费已经从您的账户上扣除了，一共是1.85元。
B:好的。我们应该缴税。
A:还有问题吗？
B:我得到的利息就是最初的利息减去税费？
A:是的，非常正确。
Dialogue 4
A:Can I help you?
B:Yeah. I want to apply for a credit card, but I don't know what kind of card is convenient for me. Would you mind giving me a brief introduction?
A:It's my pleasure. A credit card is used to manage finance, such as bank remittance, bank deposit and also you can use it to go shopping and pay any kind of fees.
B:Wow, so many functions! It sounds that it suits me very well.
A:I'm very glad to hear that. I'd like to recommend a new bank card to you. Would you like to apply for one now?
B:Yes, I'd like to.
A:peony Card.
B:Great. What kind of process need I take to apply for it?
A:Well, first, you should take your ID card and copies.
B:Oh! I'm sorry. I have no copies.
A:It's just OK. We can copy it for you. Give me your ID card.
B:It's very kind of you. here you are. Thank you very much.
A:It's my pleasure. Just wait for a moment.
(Several minutes later)
A:here are your copies. Then please fill in this application form. If any question, you can ask me.
B:No problem. Just a few minutes.
A:Let me see. You forgot to fill in your telephone number.
B:Oh! I'm sorry for that. I'll do it now.
A:please input your code, 6 digits. After that please press the "Enter". We can keep your code and information safe.
B:Oh, that's great.
B:May I deposit 2,000 yuan in my account?
A:Yes. But first please fill in the depositing form, giving the sum of money you want to deposit as well as your name, address and professional unit.
B:OK.A:有什么可以为您效劳的吗？
B:嗯，我想申请一张信用卡，但是我不知道哪一种卡方便。你可以给我简单地介绍一下吗？
A:很乐意为您效劳。信用卡主要是用来理财，例如汇款、存款，您也可以用它来购物和支付各种各样的费用。
B:哇，这么多功能啊！听起来很适合我。
A:很高兴听您这么说。我向您推荐一种新卡。您想现在申请一张吗？
B:是的，我想现在就办一张。
A:牡丹卡。
B:太好了！申请此卡的步骤是怎么样的呢？
A:呃，首先，您要带着您的身份证以及复印件。
B:噢！对不起，我没带复印件。
A:没关系。我们这里可以帮您复印，把您的身份证给我。
B:你真是太好了。给你，非常感谢。
A:很乐意为您效劳。请稍等。
(几分钟后)
A:您的身份证已经复印好了。接下来，请填写这张申请表。如果有问题，可以问我。
B:没问题。一会儿就好。
A:让我检查一下。您忘记填您的联系电话了。
B:噢！实在抱歉，我马上填。
A:请输入您的密码，密码为6位数。输完后请按确认键。我们银行会对您的密码和相关信息保密的。
B:哦，这样太好了。
B:我可以存2000元吗？
A:可以，但首先请填张存款单，写明要存的数额以及您的姓名、地址和工作单位。
B:好的。
Dialogue 5
A:Good morning, Sir. What can I do for you?
B:Good morning. I wonder how to open an education deposit.
A:Do you open it for your own child?
B:Yes. he is 10 years old now.
A:Which grade is he in?
B:he is in Grade Four.
A:Very well. he is old enough to open an education deposit. Could you show me your register booklet and your ID card?
B:Certainly, here you are.
A:Thank you. Wait for a moment, please!
B:OK! Err...Could you please tell me something about the education deposit?
A:OK. The education deposit is one of the time deposits of small savings for lump-sum withdrawal. The minimum initial amount of deposit is 50 yuan and the maximum limit of total capital sum is 20,000 yuan.
B:I see. What about the provided terms?
A:The provided terms are 1-year, 3-year and 5-year respectively. You may choose one in light of the pupil's school age. Which term do you prefer?
B:To be honest, I don't know exactly. Could you recommend one that is suitable for my child regarding to our family?
A:With pleasure. Would you mind giving me a brief introduction of your family?
B:Of course not. My wife and I are workers and every month our salary is 4,000 yuan together.
A:Oh, as you have steady incomes and the salary is neither too much nor too little, you had better choose the three-year term.
B:Err, what about the interest?
A:The education deposit interest of 3-year term will be calculated at the same rate of the same term of lump sum deposit and withdrawal time deposit.
试读结束[说明：试读内容隐藏了图片]