銀行業務常用的英語

　　現在在我們的身邊到處都有金融，那麼你會金融的英語句子嗎，今天小編就給大家看看金融英語，希望能幫助到大家。

　　金融英語：銀行的種類

　　Mary Smith's boy-friend ,Tom Brown ,is a clerk at the First National Bank .He and Mary are talking about the different types of banks and bank services .

　　瑪麗·史密斯的男朋友湯姆·布郎是第一國民銀行的職員，他在和瑪麗談論各種不同型別的銀行和銀行的各種業務。

　　Smith :I don't understand what you mean when you say commercial bank.Tom ,aren't all banks the same?

　　史密斯：我不明白你所說的商業銀行是什麼意思，湯姆，所有銀行不都是一樣的嗎?

　　Brown :No ,there are different types of banks ,Mary .

　　布郎：不是的，有著各種不同型別的銀行，瑪麗。

　　Usually the word bank refers only to the commercial banks like the one I work for .

　　通常講“銀行”這個詞僅僅是指商業銀行，就象我工作的這家銀行一樣。

　　They're the banks that offer a full range of checking and savings-account services and make all kinds of loans .

　　這種銀行提供支票和儲蓄全套的服務，並從事各種型別的貸款事宜。

　　S:Well,what other kinds of banks are there?

　　史密斯：噢，那麼還有哪些型別的銀行呢?

　　B:The second large category is called the Savings and Loan Association or the Building and Loan Association .

　　布郎：第二大類稱做“儲蓄和貸款協會”，或“建房信用協會”，

　　Some people call them Savings Banks,but they are technically not banks .

　　一些人稱它們為儲蓄銀行。但是，從法律上講，它們並不是銀行，

　　They specialize in long-term savings accounts and usually lend money for mortgages.

　　而是專門辦理長期儲蓄存款戶頭，通常把錢借出去做為抵押。

　　S:What about mutual Savings Banks?What does that mean?

　　史密斯：“互助儲蓄銀行”是怎麼回事?業務內容是什麼呢?

　　B:Those are special savings association ,like savings and loan associations,which are owned by the depositors instead of stockholders .

　　布郎：那是一些特殊的儲蓄協會，像儲蓄和貸款協會一樣，是歸儲戶所有，而不是屬於股東所有。

　　Usually they specialize in mortgages ,too.

　　通常，它們也是專門從事抵押業務。

　　S:Why don't they offer checking accounts like your bank does ?

　　史密斯：它們為什麼不象你們的銀行一樣提供支票帳戶服務呢?

　　B:They are organized for different purposes and they don't have the authority to offer checking accouts.

　　布郎：各種銀行是為不同的目的而建起來的，因此它們無權提供支票帳戶，

　　That's a function for commercial banks only .

　　只有商業銀行可以有這種業務。

　　S:What's a long-term or industrial bank?

　　史密斯：什麼是“長期銀行”或“工業銀行”?

　　B:That's a special bank for industrial development .

　　布郎：這是為工業發展而設立的專業銀行。

　　金融英語：銀行業務1

　　John Anderson's girl-friend ,Betty Rogers ,is a teller at the First National Bank.

　　約翰·安德森的女友貝蒂·羅傑斯是第一國民銀行的出納員。

　　She is explaining the operation and organization of the bank to John.

　　她正給約翰解釋銀行的業務和組織。

　　 bank is organized into a number of departments ,each of which is responsible for a particular area of business.

　　羅傑斯：我們的銀行分成許多部門，每一部門都負責某一特定的業務。

　　For example ,the Trust Department handles investments ,the Collateral Department keeps loan records and pledged securities ,

　　譬如說，信託部門從事投資，證券擔保部門負責儲存貸款記錄和抵押有價證券，

　　and the Real Estate Department handles mortgage oans on real estate.

　　不動產部門負責不動產方面的抵押貸款。

　　 department are you in ?You 're a teller ,aren't you?

　　安德森：您在哪個部門?您是一位出納員吧?

　　R:Yes,I am a paying and receiving teller .We are usually the people who have the most contact with our customers .

　　羅傑斯：是的，我是收付出納員。我們通常是和顧客接觸最多的人。

　　We are part of the Operations Department ,the department which takes care of most of the day-to-day business of the bank .

　　我們是營業部門的職員，這個部門負責從事銀行大多數的日常業務。

　　A:What's the Auditing Department ?Isn't that where your friend Alice works?

　　安德森：什麼是審計部門?您的朋友艾麗斯不就是在那個部門工作嗎?

　　R:Yes,Alice is an assistant auditor .The Auditing Department has the responsibility of checking and supervising all of the bank's activities to be sure there are no errors or improper procedures.

　　羅傑斯：是的，艾麗斯是助理審計員，審計部門有檢查和監督銀行所有活動的責任以確保這些活動中沒有差錯或不恰當的程式。

　　A:Does the Auditing Department keep the main records of all transactions?

　　安德森：審計部門儲存所有業務活動的主要記錄嗎?

　　R:No,that's the job of the General Ledger Department .That's the department that is the central bookkeeper for the bank .

　　羅傑斯：不，那是總帳部門的工作，那個部門就是銀行的中央簿記處。

　　Of course ,modern banks keep such records in computers instead of in ledgers.

　　當然了，現代銀行把這樣一些記錄儲存在計算機裡而不是儲存在總帳簿中。

　　金融英語：銀行業務2

　　John Anderson and Betty Rogers continue their discussion about the operation and organization of her bank .

　　約翰·安德森和貝蒂·羅傑斯繼續談論有關貝蒂所在銀行的業務和組織機構。

　　 is the highest officer of the bank ?

　　安德森：誰是銀行中最高階的職員?

　　 Mr.Sunderland ,our president .He is responsible to the Board of Directors,

　　羅傑斯：我們的董事長森德先生，他負責董事會的工作。

　　Which is elected by the stockholders.He is assisted by the senior vice-presidents ,

　　是由全體股東選舉出來的。高階副董事長協助他進行工作，

　　vice-presidents and assistant vice-presidents .

　　還有副董事長和助理董事長。

　　A;How many vice-presidents do you have ?

　　安德森：你們有多少副董事長?

　　R:There are quite a few .Usually each department is headed by a vice-president or an assistant cashier .

　　羅傑斯：有不少呢，通常每個部門都有一個副董事長或者一個助理司庫作為領導，

　　That's the lowest -ranking officer position in most banks.

　　助理司庫是大多數銀行中主管級別中最低的一級。

　　A:Aren't all department managers officers?

　　安德森：並不是所有部門的經理都是主管級的吧?

　　R;No,not all of them are .Actually ,the word officer means a person authorized by the Board of directors to represent the bank in certain dealings .

　　羅傑斯：對，不全是主管級。實際上主管人員這個名詞表示這個人得到了董事會授權，代表銀行經營某些業務的人。

　　It doesn't necessarily represent his function in a department .

　　這個詞並不一定表示他在一個部門的職權。

　　For example ,my boss is not a bank officer ,he is chief teller .

　　譬如說，我的上司並不是銀行的主管級人員，他是出納主任。

　　If we were an officer ,his title would be assistant-cashier and chief-teller.

　　如果他是主管級人員的話，他的職稱應是助理司庫和出納主任。

　　A:That sounds very confusing .Why don't banks just make all department managers officers?

　　安德森：聽起來另人費解。為什麼銀行不讓所有的部門經理都成為主管級呢?

　　R:It's part of the bank's system of assigning authority and responsibility .

　　羅傑斯：這是標誌權力和責任的銀行制度的部分內容。

　　After all,banks have special obligations to their depositors because we are handling their money ,not only our own.