银行业务常用的英语

现在在我们的身边到处都有金融，那么你会金融的英语句子吗，今天小编就给大家看看金融英语，希望能帮助到大家。

金融英语：银行的种类

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

玛丽·史密斯的男朋友汤姆·布郎是第一国民银行的职员，他在和玛丽谈论各种不同类型的银行和银行的各种业务。

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

史密斯：我不明白你所说的商业银行是什么意思，汤姆，所有银行不都是一样的吗?

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

布郎：不是的，有着各种不同类型的银行，玛丽。

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

通常讲“银行”这个词仅仅是指商业银行，就象我工作的这家银行一样。

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

这种银行提供支票和储蓄全套的服务，并从事各种类型的贷款事宜。

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

史密斯：噢，那么还有哪些类型的银行呢?

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

布郎：第二大类称做“储蓄和贷款协会”，或“建房信用协会”，

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

一些人称它们为储蓄银行。但是，从法律上讲，它们并不是银行，

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

而是专门办理长期储蓄存款户头，通常把钱借出去做为抵押。

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

史密斯：“互助储蓄银行”是怎么回事?业务内容是什么呢?

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

布郎：那是一些特殊的储蓄协会，像储蓄和贷款协会一样，是归储户所有，而不是属于股东所有。

Usually they specialize in mortgages ,too.

通常，它们也是专门从事抵押业务。

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

史密斯：它们为什么不象你们的银行一样提供支票帐户服务呢?

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

布郎：各种银行是为不同的目的而建起来的，因此它们无权提供支票帐户，

That's a function for commercial banks only .

只有商业银行可以有这种业务。

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

史密斯：什么是“长期银行”或“工业银行”?

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

布郎：这是为工业发展而设立的专业银行。

　金融英语：银行业务1

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

约翰·安德森的女友贝蒂·罗杰斯是第一国民银行的出纳员。

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

她正给约翰解释银行的业务和组织。

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

罗杰斯：我们的银行分成许多部门，每一部门都负责某一特定的业务。

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

譬如说，信托部门从事投资，证券担保部门负责保存贷款记录和抵押有价证券，

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

不动产部门负责不动产方面的抵押贷款。

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

安德森：您在哪个部门?您是一位出纳员吧?

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

罗杰斯：是的，我是收付出纳员。我们通常是和顾客接触最多的人。

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

我们是营业部门的职员，这个部门负责从事银行大多数的日常业务。

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

安德森：什么是审计部门?您的朋友艾丽斯不就是在那个部门工作吗?

R:Yes,Alice is an assistant auditor 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.

罗杰斯：是的，艾丽斯是助理审计员，审计部门有检查和监督银行所有活动的责任以确保这些活动中没有差错或不恰当的程序。

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

安德森：审计部门保存所有业务活动的主要记录吗?

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

罗杰斯：不，那是总帐部门的工作，那个部门就是银行的中央簿记处。

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

当然了，现代银行把这样一些记录保存在计算机里而不是保存在总帐簿中。

　金融英语：银行业务2

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

约翰·安德森和贝蒂·罗杰斯继续谈论有关贝蒂所在银行的业务和组织机构。

Anderson:Who is the highest officer of the bank ?

安德森：谁是银行中最高级的职员?

Rogers:That's erland ,our president is responsible to the Board of Directors,

罗杰斯：我们的董事长森德先生，他负责董事会的工作。

Which is elected by the is assisted by the senior vice-presidents ,

是由全体股东选举出来的。高级副董事长协助他进行工作，

vice-presidents and assistant vice-presidents .

还有副董事长和助理董事长。

A;How many vice-presidents do you have ?

安德森：你们有多少副董事长?

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

罗杰斯：有不少呢，通常每个部门都有一个副董事长或者一个助理司库作为领导，

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

助理司库是大多数银行中主管级别中最低的一级。

A:Aren't all department managers officers?

安德森：并不是所有部门的经理都是主管级的吧?

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

罗杰斯：对，不全是主管级。实际上主管人员这个名词表示这个人得到了董事会授权，代表银行经营某些业务的人。

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

这个词并不一定表示他在一个部门的职权。

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

譬如说，我的上司并不是银行的主管级人员，他是出纳主任。

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

如果他是主管级人员的话，他的职称应是助理司库和出纳主任。

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

安德森：听起来另人费解。为什么银行不让所有的部门经理都成为主管级呢?

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

罗杰斯：这是标志权力和责任的银行制度的部分内容。

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

银行对于它们我储户毕竟有着特殊的责任，因为我们正经营着他们的钱，而不仅仅是我们自己的钱。

A;That's I am a depositor ,too.I've got $37.50 in my account.

安德森：是的。我本人也是个储户，在我的帐户里存着37美元50美分。