金融英語對話範文帶翻譯

　　隨著經濟全球化、科學技術國際化程序的加快,金融英語教學注重培養有語言交流能力和實際應用能力的人才顯得尤為重要。小編精心收集了，供大家欣賞學習!

　　1

　　A：Welcome to IBJ Consumer Credit. What can I assist you with?

　　歡迎光臨IBJ銀行消費信貸部。我有什麼可以幫您的嗎?

　　B：My family really needs a car, we live quite far out of the town centre, but unfortunately we cannot afford to pay out such a large sum of money in one go.

　　我們家真的需要一輛車，我們住的地方離市區挺遠的，但不幸的是，我們負擔不起一下子支出這麼一大筆錢。

　　A：That's a problem facing many young families nowadays, and we are sympathetic to the problem. That's why we have just started a new scheme;a Personal Automobile Consumer Loan.

　　現在許多年輕人的家庭都面臨著這樣的問題，對此我們深有同感。為此，我們剛剛開展了一個新的業務，就是個人汽車消費貸款。

　　B：Great, I just hope I qualify! Could you tell me some more? Can I use the money to buy the car from anywhere?

　　太棒了，我真的希望我夠格!你能多給我介紹一些情況嗎?我可以用這些錢到任何地方去買車嗎?

　　A：What we usually do is find a suitable car dealer for you, who offer the type of car that you need. If it's a family car that you want, we have a very reliable dealer already contracted to us.

　　我們通常做的就是為您找到一個合適的汽車經銷商，他為您提供您所需要的那種車。如果您需要的是一個家庭用車的話，我們有一個非常可靠的經銷商，他已經和我們簽約了。

　　B：Then I can go to this appointed dealer, see what they've got and then make a decision?

　　那麼我就可以去找這個指定的經銷商，看看他們有什麼樣的車，然後做出決定，是嗎?

　　A：Yes. When you have decided exactly what you want and have a purchase price we can begin to process the loan. As long as you provide the proper documentation, of course.

　　是的。當您決定了您真正要買的車，並且看好了售價，我們就可以開始辦理貸款手續了。當然啦，只要您提供相應的檔案。

　　B：What do you require?

　　你們都要求提供些什麼呢?

　　A：A correctly filled in application form, ID card, proof of residency, proof of income, the agreement from the agent and of course the 20% down payment.

　　一張正確填寫的申請表、身份證、居住證明、收入證明、與經銷商簽訂的協議，當然還要有20%的首付收據。

　　B：That sounds fine. If you could give me the name and address of the dealer I'll go over there now and see what they've got.

　　聽起來挺不錯的。如果你能給我那個經銷商的名字和地址，我現在就要去那兒，看看他們都有什麼樣的車。

　　2

　　A：Consumer Credit Department. How may I help you?

　　這裡是消費信貸部。我能如何為您效勞?

　　B：I need some info on car loans. Such as payment periods, interest rates, things like that, please.

　　我需要了解一些關於汽車消費貸款的資訊。比如像償還期、利率等等諸如此類的事情，拜託。

　　A：Certainly. Do you currently bank with us?

　　當然可以。您目前在我們這裡開戶了嗎?

　　B：Yes, I do. I have a Current Account, a credit card and a mortgage with you already.

　　是的，我開戶了。我已經在你們這裡開了一個活期存款賬戶，領了一張信用卡，還辦理過按揭。

　　A：That's excellent. Well, for our Personal Automobile Consumer Loan we offer some really competitive rates. The maximum repayment period for this type of loan is 5 years.

　　太棒了。嗯，我們為我們的個人汽車消費貸款制定了一個特別具有競爭力的利率。這種型別貸款的最長還款期限為5年。

　　B：I plan to repay it within 2 years. And the interest?

　　我打算在兩年內償還貸款。那利率是多少呀?

　　A：Of course, the interest rates depend on what is announced at the time, but at the moment, the interest for a 2-year loan is 5.29%

　　.當然啦，利率取決當時公佈的利率值，但目前兩年期貸款的利率為5.29% 。

　　B：So the rate is variable? OK, that's fine. How about the frequency of repayment?

　　所以利率是浮動的啦?好吧，行啊。還款的頻度是如何規定的?

　　A：We usually set up a direct debit system taking installments directly from your bank account on a monthly basis. And since you are already a valued customer, there should be no trouble in processing you application for this loan.

　　我們通常會用直接借記的方式每月直接從您的銀行賬戶中劃出分期支付的款額。既然您已經是我們的重要客戶了，在處理您的這份貸款申請時，不應該有任何麻煩。

　　B：That's nice and easy. Thanks for your time.

　　好啊，挺容易的嘛。謝謝你，佔用你的時間啦。

　　3

　　A：Welcome to Smith Street Branch. Can I do anything to help?

　　歡迎光臨Smith大街營業部。我能為您效勞嗎?

　　B：I'd like to ask some questions about Personal Loans.

　　我想諮詢一下關於個人貸款的事情。

　　A：Of course, I'll be happy to assist you. Any loan in particular?當然可以，我很樂意為您服務。您有什麼特別感興趣的貸款專案嗎?

　　B：Yes, the Personal Loan for Studying Abroad. I've just finished my Bachelor's here and I plan to go to Australia next summer. You know, to broaden my horizons and to experience something new.

　　有的，個人留學貸款。我剛修完了我的學士學位，打算明年夏天去澳大利亞。你知道，去開闊開闊視野，體驗體驗新事物吧。

　　A：OK, good for you. It certainly is a popular choice for young people nowadays. Well, this loan can cover up to 70% of your total fees, including tuition and miscellaneous, and the maximum sum is 500,000 RMB.

　　好哇，這對您有好處。對於現在的年輕人來說，這的確是一個很普遍的選擇。嗯，這筆貸款最多可支付70%的總費用，包括學費和雜費， 最大金額為500000元。

　　B：Hmmm ... how about interest on that? I've been advised to ask about the interest and not get caught up in a loan with a high rate. And how long will I have to pay it back?

　　嗯……利率是多少?別人一直跟我說要問清楚利息，別被利率高的貸款套進去。還有，我必須在多長時間內還款?

　　A：We wouldn't want to trap you into anything, the decision is yours. We are just here to give advice.

　　我們不希望誘使您做任何事情，您自己做決定。我們在此只是提建議。

　　B：Thanks. But what is your standard rate?

　　謝謝。那麼，你們的標準利息率是多少?

　　A：The rates and terms of interest differ. The rates are decided by the standard interest rate and the repayment terms can be anything from 6 months to 6 years. But the maximum is 8 years.

　　利息率和利息的條件各不相同。該利率是由標準利息率決定的，並且償還期可以是從6個月至6年不等。但是，最長不得超過8年。

　　B：8 years? That sounds good, but hopefully I'll have a wonderful job and be able to repay it after just 1 or 2 years. OK, I'll go and think about it. Thanks for your help.

　　8年?聽起來不錯呀，那麼，但願我能找到一份好工作，可以在一到兩年後還清它。妤吧，我要去考慮一下。感謝你的幫助。