1.开设账户；
How much do I have to deposit to open an account？ ；
You can deposit an initial amount of ten yuan.开账户必须存多少钱？；
开户金额可以是十元。；
Is there a service charge if I open a checking account？；
There is no service charge.请问开支票账户有手续费吗？；
没有手续费。；
I d like to open a bank account.Can you tell me how many kinds of accounts are offered here？ ；
Usually they offer passbook accounts and fixed deposit for individuals.我想要开一个银行账户。您能和我说说这里提供多少种储蓄的账户吗？；
通常对个人提供活期存款和定期存款账户。；
What kind of account do you have in mind？ ；
I d prefer to open a passbook account.And I was wondering if there s any minimum deposit.您想开什么账户呢？；
我打算开一个活期账户。我想知道是否有最低存款的限额。 ；
What s the procedure for opening a passbook account here？；
Oh，it s easy.Take a deposit slip and fill out.在这里开一个活期账户要办什么手续呢？；
很简单。取一张存款单，然后把它填好。 ；
I want to open a current account， what s the proper procedure？ ；
First you fill out the application form and then we ll issue you a passbook.我要开个活期储蓄账户，怎样办手续？；
你先填好这张申请表，然后我们就签发给你一本存折。 ；
Can I open a checking account？ ；
Of course， but you have to deposit enough money before you can write out your checks.我能开一个支票账户吗？；
当然可以，但你必须有足够的存款才能开支票。 ；
Do you have any identification card？ ；
Will my passport do？你带身份证了吗？；
护照行吗？ ；
Good afternoon， sir. What can I do for you？；
Good afternoon， miss. I d like to open a checking account for my firm.〖〗下午好，先生。我能为你做些什么吗？；
下午好，小姐。我想替我的公司开一个支票账户。 ；
You need a current account， right？；
No， I said I d like to open a checking account.你需要开立一个往来账户，对吗？；
不，我是想开一个支票账户。 ；
Now， could you tell me how to open a current account？；
Of course. All you need to do is to fill out this signature card and pay your first deposit.现在你能不能告诉我怎么开立往来账户？；
当然可以。你要做的是填写这张签名卡并存入第一笔存款。；
All right， sir. Here is the receipt， your ID and a checkbook.；
Thank you very much.好了，先生。这是你的收据，身份证和支票本。；
十分感谢。；
I want to open an account.Is the procedure complicated？；
Oh，no.Applying for it is quick and easy.我想开个账户，手续复杂吗？；
哦，不复杂。申请开户快而简单。；
Good morning，madam.Can I help you？；
Yes，please.I want to open an account and deposit some money.But I m not a resident here.Is it all right？上午好，小姐！我能帮您什么忙吗？；
是的，我想开一个账户存钱，但是我不是本地居民，行不行？；
What kind of account do you want？；
I d like to open a current account.你想开什么户头？；
活期账户。；
Is there any minimum for the initial deposit？；
Only ten yuan is all right.首次存钱有最低金额的要求吗？；
只要人民币十元即可。；
Current account is a highly flexible account.；
Good.I decide to open a current account with your bank.活期账户是非常灵活方便的账户。；
好的。我决定在你行开户。 ；
Sir，would you mind taking a seat for a while？ I will inform you when it is ready.；
OK.先生，请稍坐一会儿好吗？手续办妥后我会通知您的。；
好的。；
What about the annual interest rate？；
It is fixed for the term of the deposit.年利率是多少？；
这是随存期而定的。；
I d like to open an account.；
RMB account or foreign currency account？我想办一个账户。；
人民币账户还是外币账户？ ；
Opening a Current Account 开立活期账户；
May I open an account with your bank？我能在贵行开个账户吗？；
If it s a current account，can I make withdrawals from the account at any time？如果开个活期账户，我能随时取款吗？；
What s the procedure for opening an account？开账户需要什么手续？；
It s my pleasure.What kind of account do you like to open？很高兴为您提供信息。您要开立哪种账户呢？；
You may open a demand account.您可以开个活期账户。；
There isn t any service charge.我们不收任何手续费。；
Would you please go over to the New Accounts desk？您可以到那边新开户柜台吗？；
Opening a Fixed Account 开立定期存款账户；
I d like to open a time deposit account，I know the interest rate for a time deposit is higher than a current account.我想开个定期存款账户，我知道定期存款比活期存款的利率高。；
Then how long do you intend to keep your money in the account？那么，您准备存多久呢？；
What are the exact interest rates of different times？各种期限的准确利率分别是多少？；
There are three kinds of fixed deposits，sir.ThreE-month，sixmonth and twelvE-month deposits.有三种定期存款，先生。三个月期、六个月期及一年期。；
And what if I want to draw my money before the maturity date for an urgent use？如果在存款到期之前，我急需用钱，能取出来吗？；
We will regard fixed account as a current account automatically at the time when it is matured.一到期定期存款就自动转为活期存款。；
Opening a Cheque Account 开立支票账户；
I need a checking account so that I can pay my bill. 我需要开个支票账户，这样就能付账。；
We d like to know how we open a checkingsavings account.我们想知道如何开一个支票储蓄账户。 ；
I d like to know whether a 200 yuan deposit will be enough for opening a checking account. 我想知道200元存款是否够开一个支票账户。；
Could you tell me how much the checks cost？ 请告诉我这些支票要花多少钱？；
We have two kinds of personal checking accounts.我们有两种个人支票账户。；
We ll send you the monthly statement so that you can check your balance.；
我们会把每月的对账单寄给你，以便你可以核对余额。；
There s a service charge for the checking account but no charge for the savings. 支票账户要收服务费，储蓄账户不收。；
What s the minimum amount for opening a checking account？支票账户的最低起存金额是多少？；
Can I write a check now？我现在可以填写支票了吗？；
And there is a service charge for each check you write.您每开一张支票，我们都要收费。；
Can I get my name printed on the checks？可以把我的姓名印在支票上吗？；
A：Excuse me，madam.What can I do for you？；
B：I want to open an account here.；
A：What kind of account do you want？；
B：A current account，please.；
A：Our minimum deposit for savings account is 100 dollars.；
B：That s quite all right.；
A：女士，打扰一下。我能帮您忙吗？；
B：我想在此开个账户。；
A：您想开哪种账户？；
B：请开一个活期账户？；
A：我们储蓄存款的最低存款额是100美元。；
B：这没问题。；
A：Good morning，I d like to open a savings account.Can you tell me how to go about it？；
B：OK.You have to fill out this form and let me see three identification cards or documents.；
A：I have my passport with me，a driver s license and a membership card.Will they do？；
B：Let me see them.Yes，they re OK.；
A：What s the minimum amount I can deposit in an account？；
B：You can deposit an initial amount of five dollars.；
A：Thank you.；
A：早安，我想开一个储蓄存款账户。你可不可以告诉我如何办理？；
B：好的，您必须先填好这张表格，然后让我看三种证件。；
A：我带了护照、驾驶执照及会员证，这些可以吗？；
B：让我看看。对，这些可以。；
A：我可以存入账户的最小金额是多少？；
B：开户金额可以是五元。；
A：谢谢。；
depositv. 存款，储蓄；；
passbookn. 存折；；
savings account储蓄账户；；
checking account支票账户；；
joint account联合存款账户；；
termdeposit account定期存款账户；；
demand deposit活期存款；；
minimum balance最低余额；；
open an account开户；；
interest n. 利息；；
signv. 签字；；
fill in填(表)；；
identificationn. 身份；；
passportn. 护照；；
slipn. 单，条；；
savingsn. 储蓄；；
proceduren. 手续，程序；；
savings account储蓄账户；；
statementn. 声明，陈述，综述，对账单；；
withdrawv. 收回，撤回；；
minimumadj. 最小的，最少的；；
regularadj. 普通的，固定的；；
CreditCard Accounts；
My husband and I maintain both joint and separate credit card accounts.As I fumbled in my purse one day looking for the right card to pay for some purchases，I explained to the salesclerk that I had “my”card，“his”card and “our”card.；
“That s okay，”he replied.“As long as you don t have ‘their’card.”；
信用卡账户；
我的丈夫和我既拥有共同的信用卡账户，也拥有各自分开的信用卡账户。有一天，为了付账，我伸手到钱包里去摸索，寻找合适的信用卡时，我向售货员说明我有“我的”卡，“他的”卡和“我们的”卡。；
“那行啊，”他回答，“只要你没有‘他们的’卡就可以。”；
2.办理存取；
Do you know the annual interest rate for this deposit account？ ；
The interest rate changes from time to time.At present it is 3.88%.你能告诉我这种定期存款的年利率是多少吗？；
利率是随时变动的。现在的利率是3.88%。；
I want to deposit 6，000 yuan into my account for six months.；
OK.Wait a minute.我想往账户里存6000元，存半年。；
好的，请稍等。；
Do you want to make a deposit or make a withdrawal？ ；
I want to make a withdrawal.你想存钱还是取钱呢？；
我想取钱。；
I need to withdraw 500 yuan from my current account.；
Please fill in this slip.我要从活期账户里取500元钱。；
请填一下这张单子。 ；
Good morning，I want to know my balance. ；
OK.Please enter the password.早上好，我想查一下我的余额。；
好的，请输入密码。；
May I deposit these cheques？ ；
Sure，but you d have to sign your name on them，sir.我可以存这些支票吗？；
当然可以，先生，但您要签名。；
How much money are you going to deposit？您打算存多少钱？；
One thousand dollars.1000美元。 ；
Can I help you？；
Yes，I want to know the interest rate for the savings account，please.我能帮忙吗？；
是的，我想知道储蓄存款利率是多少。 ；
Would you tell me how to handle the money here？ ；
You may deposit your money with the bank，or leave it there for temporary safE-keeping.请您告诉我怎样安排这笔钱好吗？；
您可以把钱存入银行，或留在银行由银行暂时保管。；
Excuse me，I want to withdraw some money.What should I do first？；
Please fill out a withdrawal form.对不起，我想取些钱。我应该先怎么做？；
请填写一张取款单。；
May I help you，madam？ ；
Yes，I d like to withdraw some money.女士，我能为您做点儿什么？；
是的，我想提些钱。；
Have you got your bankbook with you？ ；
Here you are.您带来您的存折了吗？；
给您。；
I d like to withdraw 1，500 yuan.；
Sorry，your deposit is exhausted.It has 1，300 yuan.我想取1500元。；
对不起，你的存款不足这个数目。现在的余额只有1300元。；
Do you pay interest on this account？；
Yes，you may earn a little interest on your money.这种类型的储蓄有利息吗？；
是的，你可以从存款中得到一点利息。；
I d like to make a withdrawal.；
Have you filled out the withdrawal？我想取钱。；
你填写了取款单了吗？ ；
I d like to withdraw 100 yuan from my deposit account. ；
Please fill out this slip first.我想从定期账户中支取100元。；
请先把这张单子填完。；
My fixed deposit certificate fell due yesterday. ；
Just a moment，please.Let me check.我的定期存折昨天到期了。；
请稍等。让我查一下。；
How do you want it？；
Hundreds，please.您要多大面额的钞票？；
请给我100元面额的钞票。 ；
I d like to deposit some money.Can you tell me how？；
Here s the deposit slip.Write down your name，the amount you want to deposit and your address on the deposit slip.我想存些钱。你能告诉我怎么办手续吗？；
这是存款单。在存款单上写下你的名字、想存入的钱数和地址。；
In some countries，there isn t any interest for deposits.Could you tell me something about fixedtime deposits in China？；
They pay some interest for your deposits，but it s much lower than what it used to be.However，the interest rate for fixedtime deposits is much higher than for passbook deposits.在有的国家存款没有任何利息。你能告诉我一些中国定期存款的情况吗？；
我们这里有利息，但比以前低多了。但定期存款的利率还是比活期存款的要高很多。；
What maturities are the most popular？；
Most customers prefer the six or twelvE-month deposit.You can renew the certificate on maturity if you like.哪种期限的储蓄是最受大家欢迎的？；
大多数人喜欢6个月或12个月的存期。如果你愿意，到期后还可以续存。 ；
What if I need the money for an emergency before the certificate matures？ ；
You may withdraw your funds by cashing your certificate before the maturity date if it s necessary.They would redeem your certificate at your request，subject to the current deposit rate ruling on the date of withdrawal.如果在存款到期前我因急事而需要钱该怎么办？；
如果有必要，你可以在到期前取出存单上的现金。他们会根据你的要求兑现存单，但因为是在存单到期以前取款，所以只能按取款当日的活期存款利率给你利息。；
Depositing 存款；
How much do you want to deposit with us？ 你想在我们这里存多少？ ；
I think you may deposit your money with the bank， or leave it here for temporary safE-keeping. 我认为你可以把钱存入银行，或留在银行暂时保管起来。 ；
Would you please fill in the depositing form， giving the sum of money you re to deposit as well as your name， address and professional unit？ 请填张存款单，写明要存的数额以及你的姓名、地址和工作的单位，好吗？ ；
The interest is added to your account every year. 每年的利息都加到你的存款中。 ；
The interest rate for term deposits is much higher than for current deposits.定期存款利息要比活期存款利息高得多。；
The interest rate varies with the time the money is kept in the banks.利率因钱存在银行时间的长短不同而高低不一。；
The longer the maturities are，the higher the interest rates are.存款期限越长，存款利率越高。；
I want to deposit my paycheck. 我想存入我的工资支票。 ；
Can I withdraw my deposit on maturity？请问到期时，我可以领取存款吗？；
Can I renew the certificate on maturity？请问存款到期时我能再转存吗？；
Withdrawing 取款；
Excuse me.I want to draw some money from my account.劳驾，我想从我的账户里取些钱。；
Could you please check my uptodate balance on my current account？您能否帮我查一下我往来账户上的当前余额？；
I d like to withdraw it，for I m in urgent need.我想把钱提出来急用。；
I d like to withdraw 100 dollars from my account.我想从账户上取出100美元来。；
Here are my bankbook and the slip for 1，500 yuan.这是我的存折和取款单，取1500元。；
Let me fill out a new slip for you.我再填写一张取款单吧。；
Could you please tell me how to withdraw money from my account？您能否告诉我，从我的账户上提款该办理什么手续？；
I m sorry.The code number doesn t coincide with the one you gave us when you opened your account.；
很抱歉，密码与您开户时的密码不一致。；
Do you want to withdraw all money from your account？；
您想把账户上的钱全部取出来吗？；
Here is your money and the interest you ve earned.；
这是您的钱和利息。；
A：May I help you？；
B：I d like to withdraw some money.；
A：Please fill in the slip，stating the exact amount you wish to withdraw.；
B：All right.And here s my bankbook.Is that all？；
A：Your ID card，please.；
B：Oh，yes.Here it is.；
A：Do you want large ones or small ones？；
B：Four in hundred，one in ten，please.；
A：Wait a minute，please...Here s the cash.；
B：By the way，I d like to change some U.S.dollars to pounds and I want to know today s exchange rate.；
A：Well，sir.According to today s exchange rate，every pound in cash is equivalent to 189U.S. dollars.How much would you like to change？；
B：I want 100 pounds.And here are 189U.S.dollars.；
A：...OK.And here s your money.；
B：Thank you.And goodbye.；
A：Goodbye.；
A：能帮您忙吗？；
B：我要取钱。；
A：请填好这个单子，把您要取款的数目写清楚。；
B：好的。这是我的存折。就这样可以了吗？；
A：请给我你的身份证。；
B：哦，是的，给你。；
A：您想要大面额的还是小面额的？；
B：请给我四张一百的，另一百要十元的。；
A：请等一下，……给您钱。；
B：我想顺便把美元兑换成英镑，能告诉我今天的汇率吗？；
A：好的，先生。根据今天的兑换率，现金1英镑兑换1.89美元。您要换多少？；
B：我要换一百英镑，给你一百八十九美元。；
A：好，给您钱。；
B：谢谢，再见。；
A：再见。；
A：Good morning，madam.May I help you？；
B：I want to put some money in the fixed account.What is the interest rate of the account？；
A：The interest rate of a fixed account varies with the amount and the maturity period.What amount and for how long are you thinking of depositing funds？；
B：I m interested in a twoyear deposit，and I want to deposit 5，000 yuan. ；
A：In that case，the interest rate is three point eight five percent per annual.；
B：All right.Here is the money.Please check the amount.；
A：Thank you.Would you please give me your identity card.；
A：您好！太太。需要帮忙吗？；
B：我想存定期存款。请问定期存款的利率是多少？；
A：定期储蓄的利率是根据存款的金额和存期决定的。您想存多少钱存多久？；
B：我想存两年，存5000元。；
A：这样的话，年利率是3.85%。；
B：好的，这是钱，请点一下。；
A：谢谢。请给我您的身份证。；
option n. 选择权；；
maturity n. （票据等的）到期；；
emergency n. 紧急；；
indemnify v. 赔偿；；
bear v. 产生利息；；
popular adj. 大众的，普及的，低廉的；；
deposit receipt 存款收据 ；；
interest rate 利率 ；；
deposit slip存款单；；
certificate of deposit定期存单；；
withdraw v. 取款；；
withdrawal slip取款单；；
balance n. 余额；；
overdrawn v. 透支；；
income tax所得税；；
debit one s account从某人账户上支取；；
draw v. 取(钱)；；
sheet n. 纸条；；
copy v. 抄写；；
Arabic adj. 阿拉伯的；；
numeral adj. 数字的；；
How Tonny Counted Pigs；
One day a farmer asked his son Tonny to go and count the pigs in the farmyard.Bobby came back and said：；
“Father，I counted twenty pigs，but one little pig ran about so quickly that I could not count him at all.”；
托尼数猪；
一天，一个农民让他的儿子托尼到农场院子里数猪。宝贝回来后说：；
“爸爸，我数了20头猪，但是，有一头小猪跑得太快了，我根本没法数到他。”；
3.货币兑换；
I need some money changed for taking bus.；
How would you like the money？我需要换些零钱，用来乘坐公共汽车。；
你需要什么面值的。；
Well，I d like to change 10，000 yuan；
OK.Do you have any identification please？好的，我想换10000元人民币。；
好的，请问您有证明吗？；
I want to change some US dollars into yuan.；
Fine，how much？我想把美元兑换成人民币。；
好的，换多少？；
What s the dollar going for today？；
Please wait a minute.I ll find out the rate of exchange between the dollar and yuan.今天美元的售价是多少？；
请等一下。让我查一下美元和人民币之间的汇率。；
Hello，I want to exchange some of my US dollars for yuan.Are you in charge of it？ ；
Yes.How much do you want to exchange？您好，我想把一部分美元兑换成人民币。你们办理这项业务吗？；
是的，您想兑换多少钱？；
I want to exchange some dollars for yuan.我想把美元换成人民币。；
OK.You re allowed to exchange as much as you want.Fill out this exchange form，please.好的。您换多少都行。请填写这张兑换单。；
Here are the exchange form and 300 dollars. ；
Well，it s perfectly right.Here s yuan.It s better that you check it.这是兑换单和300美元。；
钱正好。这是人民币，你最好数一下。；
I d like to exchange it into yuan，please.；
I m sorry.This currency can t be exchanged here.我想把它换成人民币。；
对不起，这种货币在这儿不能兑换。 ；
I want to change this 100 yuan into small bills.Do you do that？ ；
Yes.In what denominations？我想把这张100元钞票换成小面额的。你们给换吗？；
是的。要什么票面的？ ；
Where can I exchange my RMB for US dollars？；
The money exchange counter is over there.在哪儿可以把我手里的人民币兑换成美元呢？；
货币兑换柜台就在那边。；
I d like to change some foreign currency. ；
How much do you want？我想兑换一些外币。；
您想换多少？；
Good morning.I d like to change 3，000 yuan for US dollars. ；
I m sorry that we don t deal in foreign currency.早上好。我想要把3000元人民币换成美元。；
对不起，我们不经营外币业务。；
What is the exchange rate of RMB to dollars today？；
It s 7.91yuan for 1dollar.今天人民币兑美元的汇率是多少？；
是7.91元人民币兑换1美元。；
The change rate is rising again.；
Relax.You know，the exchange rate varies from time to time.汇率又在上涨了。；
放松点儿。你知道，外汇汇率是时刻在变的。；
Will I pay a service charge for exchanging money？；
Yes，there s a 1‰ service charge.我需要付兑换外币的手续费吗？；
需要付千分之一的手续费。；
The exchange rate is too high.I have to think about it.；
Listen，don t dabble in black market currency exchanges.外汇汇率太高了。我得想想办法。；
听着，千万不要去黑市兑换外币。；
Where can I change foreign currency money for RMB？；
At any authorized foreign exchange bank.我在什么地方可以把外币兑换人民币？；
任何一所经批准经营外汇业务的银行都可以。；
According to today s exchange rate，every US dollar in cash is equivalent to 7.93RMB yuan.How much would you like to change？ ；
1，000 dollars.按照今天的汇率，1美元可换人民币7.93元。您准备兑换多少？；
1000美元。；
What are you going to convert：bank notes or traveler s checks？；
Half bank notes and half traveler s checks.您想兑换成哪种形式的，现钞还是旅行支票。；
一半是现钞，一半是旅行支票。；
What s this piece of paper for？；
It s an exchange slip，on which you ll have to fill in your name，passport number，nationality and the amount you intend to change.这张纸有什么用呢？；
这是兑换水单，您需要在上面填上您的姓名、护照号码、国籍以及要换的钱款总额。；
Exchange Rate 汇率；
I d like to know the exchange rate for Euro.；
我想知道欧元的兑换率。；
It s 827yuan for 100 dollars.；
100美元可兑换827元人民币。；
The figure under the listing for spot rate selling is the one you want.That means that rate for immediate delivery of cash.；
在现货兑换率卖出的编目底下的那个数字就是您所需要的汇率。它指的是现金的即期兑换率。；
The rate is different for different kinds of transactions.；
不同种类的交易有不同的兑换率。；
Today s rate for cash purchases is listed on this chart here.；
今天的现款购买兑换率列在这里的这张图表上。；
What s the rate of US dollar against RMB today？；
今天美元兑换人民币的汇率是多少？；
Let me see.The buying rate is RMB 827.76yuan per hundred dollars.；
让我看看。银行买价是每一百美元兑换827.76元人民币。；
Here are the cash and the exchange memo.Please have a check.；
这是现金和兑换凭证，请检查一下。；
The present rate of exchange is in our favour.现在的汇率对我们有利。；
Cashing the Cheques 兑换现金；
Can I cash a check here？我可以在这儿兑现支票吗？；
I want to cash this money order，please.我想把银行汇票兑成现金。；
What note do you want？您要兑换什么货币？；
What s the dollar going for today？今天美元的售价是多少？；
I d like to know the rate for US dollars.请告诉我美元的现价好吗？；
How much of the remittance do you want to convert into US dollars？你想把多少汇款兑换成美元？；
Can I have 200 dollars worth of RMB？我想把这200美元换成人民币。；
Do you think you could change these dollars for me，please？能否请您给我兑换一些钱？；
Could you change this money back into US dollars for me？能否给我把这笔钱换回美元？；
I d like some coins for this note，please.我想把这张纸币换成硬币？；
A：Can you give me some Hong Kong dollars？；
B：How many would you like？；
A：One hundred dollars worth，please.And I ve got some dollars.Can you change them too，please？ I think there are 250 there.；
B：Ah，Renminbi.Do you want Hong Kong dollars？；
A：No，sterling please.；
B：Right.There you are，sir.Could you sign your name at the bottom，please？ Thank you.；
A：我可以兑换港币吗？；
B：您要兑换多少？；
A：相当于100美元的港币。我还有些其他的外币，是不是也可以兑换？；
有250元。；
B：哦，是人民币。也兑换成港币吗？；
A：不，换成英镑。；
B：好的。这是您的钱，先生。请在这下面签上您的名字。谢谢。；
A：Excuse me，I d like to have some American dollars exchanged for RMB.；
B：What sum have you got？；
A：300 dollars and what s exchange rate，please？；
B：If you can wait a moment，I ll find it out for you.Well，sir，today s exchange rate is 826.83yuan to 100 US dollars.Would you please fill in the exchange memo and sign your name on it？；
A：OK.Here are the dollars and the memo.；
B：Let me have a look at your passport.；
A：All right.Here it is.；
B：Here is your money.Please check it and keep the exchange memo for reconversion into foreign currency.By the way，this memo is available within six months.；
A：Thank you very much.；
B：You are welcome.；
A：打扰一下，我想把一些美元换成人民币。；
B：您总共有多少？；
A：300美元。请问今天的汇率是多少？；
B：请稍等，我给您查一下。先生，今天的汇率是100美元兑换人民币826.83元，您可以填一下兑换凭证并签上您的名字吗？；
A：好的，给你钱和凭证。；
B：让我看一下您的护照。；
A：好的，给你。；
B：这是您的钱，请点一下，并保存好兑换凭证以便换回外币。顺便说一下，这个兑换凭证六个月之内有效。；
A：非常感谢。；
B：不用客气。；
buying rate买方汇率；；
exchange control外汇管制；；
rate of exchange汇率；；
selling rate卖方汇率；；
Electronic Rate Board电子汇率板；；
exchange form 兑换单；；
utilize v. 利用；；
nationalityn. 国籍，民族；；
value at值；；
exchange bank汇兑银行；；
permanentadj. 永久的；；
favorableadj. 有利的；；
commissionn. 手续费；；
I Cashed It by Check；
My wife asked me for a check for 50 dollars for a new dress and I gave her a check for kisses—1000 kisses.；
“Well，what are you laughing at？”；
“I cashed it.”；
我用支票兑换的；
我的妻子向我要一张50元的支票买新衣服，我给了她一张支票而得到了吻——1000个吻。；
“嘿，你笑什么？”；
“这是我用支票兑换的。”；
4.汇款；
May I have an application form，please？；
Yes，you will find some on the desk over there.请给我一张汇款单好吗？；
可以，在那边的桌子上就有。 ；
When will the remittance arrive？；
It should be arriving within 2hours.款项何时能够汇到？；
应该2个小时内到账。；
Hello，miss.Do you handle international remittance？ ；
Yes，madam.What can I do for you？小姐，你好。你这儿办理国际汇款吗？；
是的，女士。我能为您效劳吗？；
May I know your reason for the remittance？；
I m a secretary working for an American firm here in Beijing，and I m sending fifty dollars to my mother in New York as a Christmas present.我能问您汇款的原因吗？；
我在这里的一家美国驻北京的公司里做秘书，我要寄50美元给纽约的母亲作为圣诞节礼物。；
Good morning，sir.Can I help you？ ；
I m expecting one thousand pounds from London.Has it arrived？上午好，先生！需要帮忙吗？；
我在等一笔由伦敦寄来的一千英镑的汇款，已经到了吗？ ；
Excuse me，my name is Lin Qing.I d like to check whether five hundred dollars from New York has arrived. ；
I ll check our records，Mr.Lin.Do you have a foreign currency current account with our bank？麻烦一下，我叫林清，我想查看一下由纽约汇来的五百美元到了没有。；
林先生，我去查查我们的记录。请问您是否有我们银行的活期外汇储蓄账户？；
I d like to send some money to New York.Is that handled here？ ；
Yes，sir.Please fill in this form first.我要汇一些钱到纽约，是在这里办理吗？；
是的，先生，请先填一下这张表格。 ；
How many days does it take to arrive in Paris？；
I would say it will take about fourteen days.汇款需要多少天才能到达巴黎？；
大概需要十四天左右。 ；
I hope they can receive the money within one weeks time. ；
In this case，I suggest that you remit the money by telegraphic transfer.It will usually take two to four days.我希望他们能在一星期内收到汇款。；
如果这样，我建议您用电汇，通常两至四天便可到达。；
I m sorry.The remittance does not appear to have arrived yet.；
Really？ It should have arrived.How long does it take for the remittance to arrive here？对不起，您的汇款还没有到。；
真的吗？应该到的。汇款一般要多久才能到？；
Would you please tell me your phone number so that we ll ring 您能否把您的电话号码告诉我，以便汇款一到就可以给您打电话？；
you up as soon as the remittance arrives？ ；
My number is 88666789.May I have your name？电话号码是88666789，能问一下您的名字吗？；
Excuse me，I want to remit some money to New York.Is that handled here？ ；
Yes，sir.How much would you like to remit？对不起，我想汇一笔钱到纽约，是在这儿办理吗？；
是的，先生。您要汇多少？ ；
How much do you charge for a cable remittance to New York？；
The cable charge is RMB 150，and we would also charge you an extra service commission RMB 20 to 200 according to the amount you remit.电汇到美国要收多少钱？；
电报费是150元人民币，另外根据汇款金额，我们还要收20元到200元人民币的手续费。；
Sending a Remittance 汇出汇款；
How much is it if I remit the money by mail？如果我用信汇，要花多少钱？；
Either a regular or urgent telegraphic transfer would be faster than a mail transfer or sending a cheque.无论是普通的还是加急的电汇都比信汇或寄支票要快。；
We ll have your funds transferred to the branch of your company in Boston right away.我们会马上将你的款项转到你公司在波士顿的分公司账上。；
I have to check the relevant lists to figure out the exchange rate and service charge.我要查一下有关的表格，计算出汇率和手续费。；
Please fill out the remittance request with the name and address of the payee as ；
well as yours.请你填写汇款申请单，写上收款人及你自己的姓名、地址。；
Please write out the amount both in words and figures.请用文字和数字两种方式填写金额。；
We can make arrangements to send it by cable if you would pay the cable cost.如果你愿意付电报费的话，我们可以替你电汇。；
We would add the cost of cable to our regular service charges.我们要把电汇费用加到我们通常的手续费上。；
Receiving a Remittance 汇入汇款；
One moment，please...I m sorry，sir.But the remittance does not appear to have arrived yet.请稍候。……对不起先生，看来您的汇款还未到达。；
Would you like us to phone you when the money arrives？钱寄到时，我们打电话通知您好吗？；
How would you like to have it，Mrs Smith？您想怎么支取这笔款呢，史密斯夫人。；
Put your own present address here，please.请把您目前的地址留在这里。；
The commission of 1% of the amount has been deducted already.金额百分之一的佣金(手续费)已从中扣除了。 ；
I m expecting a hundred pound remittance from London.Has it arrived？我在等一笔由伦敦汇来的100英镑汇款，到了吗？；
I ll check our records，sir，but may I ask you to write down your name on this piece of paper？先生，我会查看一下我们的收款记录，不过能否请您先把名字写在这张纸上？；
One moment，please，while I check our records.请稍等，我去查看一下记录。；
Your money is here.A hundred pounds sterling.您的钱到了，一共是100英镑。；
A：I d like to send some pound sterling to London，is that handled here？；
B：Yes，sir.How much do you want to remit，please？；
A：Pounds 20，000.；
B：Have you got a license？；
A：Yes，here you are.Is that all right？；
B：That s OK.Would you like to remit it by mail or by cable？；
A：By cable please.；
B：Very well，sir.Now please fill out this application form.；
A：All right.Here you are.；
B：May I have your passport，please？；
A：Sure.；
B：All right.Mr.Smith.Here is the receipt and here s your passport.；
A：Thank you.；
B：You re welcome.；
A：我想汇些英镑去伦敦，是在这办理吗？；
B：是的，先生。你要汇多少？；
A：20 000英镑。；
B：有许可证吗？；
A：有的，在这里。行吗？；
B：行。你要信汇还是电汇？；
A：电汇。；
B：好的，先生。请填写这份申请表。；
A：填好了，给你。；
B：可以看看你的护照吗？；
A：当然可以。；
B：好了，史密斯先生。这是你的收据，这是你的护照。；
A：谢谢。；
B：不客气。；
A：Good morning，sir.Can I help you？；
B：I m expecting one thousand pounds from London.Has it arrived？；
A：I ll check our records，sir.But may I have your name first？；
B：My name is John Smith.；
A：Thank you.Please wait one moment...Yes，Your money has arrived.；
B：Very good.；
A：How would you like to have it，in British pounds or Chinese yuan？；
B：Well，can I have six hundred in British pounds and four hundred in Chinese yuan？；
A：Certainly，sir.Here you are.；
A：上午好，先生！需要帮忙吗？；
B：我在等一笔由伦敦寄来的一千英镑的汇款，已经到了吗？；
A：我查看一下记录，先生，可否先告诉我您的名字？；
B：我的名字是约翰·史密斯。；
A：谢谢！请稍等一会儿……是的，钱已经到了。；
B：好极了。；
A：您想怎么取这笔钱，要英镑还是人民币？；
B：那么给我六百英镑，把余下的四百兑换成人民币好吗？；
A：好的，先生，请拿好。；
remitv. 汇款；；
remittancen. 汇款；；
telegraphic transfer电汇；；
urgentadj. 紧急的mail transfer信汇；；
extraadj. 额外的；；
chargen. 费用；；
requestn. 要求，请求；；
outward remittance汇出汇款；；
inward remittance汇入汇款；；
payern. 付款人；；
payeen. 收款人；；
remitting bank汇出行；；
mode of remittance汇款方式；；
demand draft(D/D)票汇，即期汇票；；
application for remittance汇款申请；；
advance remittance预付汇款；；
Not Enough Money；
Jones：“How do you spend your income？”；
Smith：“About 30 percent for shelter，30 percent for clothing，40 percent for food and 20 percent for amusement.”；
Jones：“But that adds up to 120 percent.”；
Smith：“That s right.”；
钱不够；
琼斯：“你如何花掉你的收入？”；
史密斯：“大约30%用于支付房租，30%用于服装，40%用于食品，20%用于娱乐。”；
琼斯：“但那加在一起是120%。”；
史密斯：“没错。”；
5.挂失；
What shall I do if I lost my bankbook？；
You should notice the bank at once.我的存折丢了怎么办？；
您应该立刻通知银行。 ；
What can I do for you？；
I ve come to report my lost passbook.请问您办理什么业务？；
我是来办理存折挂失的。；
May I help you，sir？ ；
Yes，I m sorry，but I ve lost my passbook.我能帮什么忙吗？；
是的。很抱歉我丢了存折。；
Please let me have your name and your savings account number.；
I m Bob Brown. But I can t recall my account number.请告诉我您的姓名和您的账号。；
我叫鲍伯·布朗，但我想不起账号了。；
Excuse me，miss.I ve lost my certificate. ；
Don t worry，sir.We ll try and do our best to help you.对不起，小姐，我丢了存单。；
不用急，我们会尽力帮助您的。；
Can you tell me how much money is in your account？ ；
3，000 dollars.能告诉我您的账上有多少钱吗？；
3000美元。；
Good afternoon.I m sorry to tell you that I ve lost my deposit certificate. ；
Oh，please don t worry.Would you please let me have the depositor s name，the exact date of deposit，the form of account，the amount，the account number as well as the depositor s address？Do you remember each of them？下午好，我很抱歉地告诉你我的存单丢了。；
哦，请别担心。您能提供存款人姓名、存款具体时间、账户种类、金额、账号以及存款人住址等有关情况吗？您都记着吗？；
When did you have the bankbook last，sir？；
Several days ago when I deposited my paycheck.I don t remember the exact day because I didn t come to the bank until a few days after I got paid.截止到什么时候您还持有这个存折，先生？；
几天以前，当我到银行存入我的工资支票的时候，我记不清确切的日子了，因为我领到工资几天以后才到银行来。 ；
Hello.You look so worried.What has happened？ May I help you？ ；
Yes，I hope so.Excuse me，but I ve lost my savings passbook.您好。您看上去好像很着急。出什么事啦？我能帮助您吗？；
是的，我希望您能帮助我。对不起，我丢失了存折。；
Could you tell me when you lost your passbook？ ；
It s hard to say，but it is like this：I went shopping yesterday，and my purse was stolen.You know there were so many people in the market.I have no money to buy things this morning.Therefore，I wanted to cash some money from my savings 能告诉我您什么时候丢失存折的吗？；
很难说清楚，但情况是这样：昨天我去市场买东西，有人偷走了我的钱包。 您知道市场里是人声嘈杂的。我没钱买东西了，因此，今天早上我只好来取些钱，但我怎么也找不到存折。；
account，but I couldn t find my passbook anywhere.；
Hello，miss.I m sorry to tell you I lost my Peony Card this morning.I want to report a loss of the card.；
Don t be worried，sir.Please show me your passport.小姐，您好。今天早上我的牡丹卡丢了，现在想办理挂失。；
先生，别着急。请把您的护照给我看看。；
What s your number，please？；
Here it is.您的卡号是多少？；
在这里。；
How long will it take to have a new card？；
In three days.And we ll charge you RMB 20 for the report of your loss.请问多久才能领取新卡？；
我们将在3天左右给您发放新卡，同时我们要收取您20元人民币的挂失费。；
Bankbook Losses 存折挂失；
What shall I do if I lose my bankbook？我的存折丢了怎么办？；
I ve come to report my lost passbook.我是来办理存折挂失的。；
Can you tell me your balance on your account？请告诉我您账上有多少钱？；
Well，please let me have your name and address and your savings account number if you remember it.好的，请告诉我您的姓名、住址和您的储蓄账号，如果您还记得的话。；
I ll check whether your money is still on your account or not，according to your name and address.我会根据您所给的姓名和地址，检查一下钱是否还在您的账户内。；
Can you tell me the balance in your account？And show me your identification.您能告诉我账户上的余额吗？并把您的身份证给我。；
I ll transfer your money to a new account.；
我会把您的钱转到一个新账户上。；
I ll keep your money in your account.Please come again with your ID card.我会为您保留账上的款项，请拿上身份证再来吧。；
Even if someone has got your passbook and came to cash your money from your account，we won t give him money if his code number is not right.；
即使有人拿您的存折来兑现，如果他所给的密码不对，我们也不会给他钱。；
Cheque Losses 支票挂失；
I had a cheque in cash for one thousand and I lost it.我有一张1000元的现金支票丢了。；
This is Mr.Li，he lost a cheque which is drawn on our bank.这位是李先生，他在我行开的支票丢了。；
What s the number？号码是多少？；
Has the cheque been cashed？支票已兑换成现金了吗？；
A：Morning，sir.Can I help you？；
B：Yes，I m here to report a missing credit card.；
A：I see.What is the card number？；
B：The card number？God，I haven t the slightest idea.Does it really matter？；
A：Well，it would speed things up a little but it s not absolutely necessary.So I need to ask you a few details.First of all，your full name and address.；
B：Sure.My name is John Black.My address is No.30 Park Street，New York.；
A：Thank you.You needn t get upset，Mr.Black.As soon as we check your name，your account will be invalidated all over the world within 30 seconds.Then the necessary step will be taken is to have a new credit card issued.；
B：Oh，I m relieved.Thanks ever so much.；
A：早上好，先生。我能帮您做点什么？；
B：是的，我是来挂失信用卡的。；
A：我明白了。您的卡号是什么？；
B：卡号？天哪，我一点儿印象也没有了。这个真的重要吗？；
A：好，如果有卡号可以加快一点儿效率，但并非绝对必要。那么我需要问您一些细节问题。首先是您的全名和地址。；
B：好的，我叫约翰·布莱克。我住在纽约花园街30号。；
A：谢谢。不必担心，布莱克先生。我们一旦确认您的名字，信用卡将在30秒钟后在全世界范围内失效。那我们必须做的下一步就是办一张新的信用卡。；
B：哦，那我就放心了。非常感谢。；
A：I ve come to report the loss of my passbook.What should I do？；
B：Don t worry，sir.When did you lose it？；
A：I lost it yesterday.；
B：Well，please tell me your name and account number.；
A：My name is Lin Qing.But I can t remember my account number.Is it very important？；
B：It doesn t matter if you really can t remember it.I ll check it right now.Yes，Mr.Lin.I have your account number here.；
A：That s great！；
B：We ll have to confirm your identification.When we ve confirmed that you ve really lost your passbook，we ll transfer your deposit to a new account and give you a new one.；
A：I see. Thank you very much.；
A：我是来挂失存折的，我该怎么办呢？；
B：别担心，先生。您什么时候遗失存折的？；
A：昨天。；
B：请告诉我您的名字和账户号吗？；
A：我的名字是林清。但我记不起来我的账户号码了，这很重要吗？；
B：如果您想不起来也没关系。我马上查一下。林先生，我查到您的账户号码了。；
A：太好了。；
B：我们必须确认您的身份，当我们确认您确实丢失了存折，我们会把您的存款转存到新的账户上并给您新的存折。；
A：知道了，非常感谢。；
pursen. 钱包；；
carelessn. 粗心；；
balancen. 余额；；
passportn. 护照；；
code n. 密码；；
identificationn. 身份证；；
cash the money from the account从该账户提取现金；；
mattern. 要紧；；
immediatelyadv. 立即，马上；；
luckyadj. 幸运的；；
urgentadj. 急迫的，紧急的；；
The Poet s House；
Poet：Burglars broke into my house last night.；
Friend：Yes？What happened？；
Poet：They searched through every room，then left a 5dollars bill on my bureau.；
诗人的房子；
诗人：昨天晚上盗贼闯进了我的房子。；
朋友：是吗？丢了什么吗？；
诗人：他们翻遍了所有的房间，最后在我的书桌上留下了一张5美元的账单。；
6.贷款；
I d like to ask about taking out a loan. ；
OK.Have a seat，please.我想问一下贷款的事情。；
好的，请坐。；
I d like to get a loan.；
Please fill out the application form.我想申请一笔贷款。；
请填写申请表。；
Can I help you？ ；
I d like to apply for a home equity loan.请问需要办理什么业务？；
我想申请住宅抵押贷款。；
How much do you want to borrow？；
I m thinking of borrowing five hundred thousand yuan.你想贷多少钱？；
我考虑借50万元。；
Do you have any 20year terms available？ ；
Sorry，we have only 10year terms.你们办理期限为20年的贷款业务吗？；
对不起，我们只发放期限为10年的贷款。；
My husband and I plan to buy a new apartment.We want to apply for a loan. ；
I think you should consult with a broker.我丈夫和我打算买一间新公寓。我们想申请贷款。；
我想你们应该咨询一下经纪人。；
I want to apply for a loan.Can you tell me your best interest rate？ ；
It s 9.5%.我想申请贷款。能告诉我你们的最佳利率是多少吗？；
是9.5%。；
What are the principal and interest payments per month？；
Let me see...they re 5，000 yuan.每个月要付的本金和利息是多少呢？；
让我看看……是5000元。 ；
Does this loan carry a high interest？ ；
There is no interest.I have an interest free overdraft facility.这笔贷款的利息高吗？；
没有利息。我可以免息透支。 ；
Finally we ve got the loan.；
But we will pay off the loan over 20 years.我们终于拿到贷款了。；
但是我们要花20年的时间还清贷款呢。；
This is Credit and Loan Department.May I help you，sir？ ；
Yes，please.I m the manager of Financial and Accounting Department of Guangzhou Chemical Plant.Now，we need a sum of money for technical innovation.And this project is the key point for this plant s surviving and developing.My purpose of coming here is to applying for a Renminbi Loan.这儿是信贷部，可以为您做什么吗，先生？；
是的。我是广州化工厂财会部的经理。现在，我们需要一笔资金进行技术革新。该项目对本厂的生存与发展都起着关键作用。我来此的目的就是想申请一笔人民币贷款。；
Generally speaking，there sh；
ould be no problem.Anyway，I have to check your recent Bal一般说来，这笔贷款应没问题。不过，我得再核查一下贵公司近期的资产负债表及损益表。你现；
ance Sheet and Profit and Loss Statement again.Do you have them now？ ；
Here you are.在有吗？；
给你。；
What do you need the money for， may I ask？；
I d like to buy a new house for my son. He s going to get married at the end of this year， but I haven t saved enough money for it yet.请问你需要贷款的目的是什么呢？；
我想替我儿子买一幢房子。他打算今年年底结婚，但我还没有存够钱。 ；
Excuse me， sir. I d like to apply for a housing loan， is it handled here？；
Yes， sir. Please take a seat.打扰一下，先生。我想申请房屋贷款，是在这里办理吗？；
是的，请坐。 ；
The purpose of loan？；
Just put in “housing loan”.贷款的目的？；
写“房屋贷款”就可以了。 ；
What s the current rate， please？；
7.37percent. What do you think of it？目前的利率是多少？；
7.37％。你觉得怎么样？；
When could I get the money？；
In a week. Please bring your ID when you come next time.我什么时候可以得到这笔款？；
一周之后。下星期来这儿的时候，请把身份证带来。 ；
Can I help you， sir？；
Yes， I d like to talk to someone about taking out loan.你有什么事吗，先生？；
我想找个人谈谈关于贷款的事。 ；
Housing Loan 住房贷款；
So I d like to know something about mortgage loans.Could you give me some information？我来是想咨询一下有关房屋按揭贷款信息的，您能提供一些信息吗？；
Secondly，the house you want to buy is less than five years old.其次，您所购买的房屋从建成到现在不得超过5年。；
Our bank generally lends sixty percent of the bank s appraised value of the house on a tenyear mortgage.我行一般只提供相当于房屋评估价格60%的贷款，按揭期限为10年。；
I d like to talk to you about getting a mortgage for a house from your bank.；
我想同您商量一下向贵行申请购房抵押贷款的事。；
Now，are you buying a house or are you refinancing your present home？；
您是申请贷款买房呢，还是想得到现款，先还掉现在住房的旧贷款呢？；
What kind of house did you have in mind？那么您想买的是哪一种房子呢？；
Do you prepare to make a thirty percent down payment？您是否同意先支付30%的首期款？；
Do you own any other property？Any stocks or bonds？您是否还拥有其他资产呢？有股票或债券吗？；
Perhaps you could get a guarantee—someone to sign the loan for you.这样的话，也许您需要一个担保人——由他来为您的贷款做担保。；
Oh，it takes some time to complete a mortgage loan transaction.And here s the mortgage loan booklet which explains all the necessary things.哦，办好一项抵押贷款需要一定时间。对了，这是我们抵押贷款的小册子，说明了所需要办的有关事项。；
Our bank will go and see the villa you want to buy to appraise the value next Monday.我们银行准备下星期一去看您要买的别墅，并对别墅进行估价。；
Personal Loan 私人贷款；
I suggest (that) you obtain approval from Foreign Exchange Control Bureau first.我建议您先取得外汇兑换管理局的许可。；
Will you please show me your passport for identification purpose？请您出示您的护照以确认身份好吗？；
Could I ask you to sign here？能请您在这儿签名吗？；
My purpose of coming here is to apply for a personal loan.我来此的目的就是想申请一笔私人贷款。；
I want to borrow about twentyfive thousand HK dollars in these two days.Does your bank have such loan plan？我想在这一两天内借25000港币，贵行有这类贷款计划吗？；
Would you mind telling me your monthly salary？您能否告诉我您的月薪是多少？；
I suggest you apply our Personal Loan Scheme which offers you a high credit amount.我建议您申请我们的“私人贷款”计划，这项贷款享受的额度较高。；
Renminbi Loan 人民币贷款；
Can I pay it monthly？我可以按月偿还吗？；
Please write down your name，home address and telephone number on this application form，and state your purpose of loan and the amount needed.请在申请表上写下您的名字、家庭住址、电话号码，并注明贷款目的及所需金额。；
My purpose of coming here is to apply for a Renminbi Loan.我来此的目的就是想申请一笔人民币贷款。；
Have you got anything to identify yourself？您身上带有什么身份证明吗？；
Please complete this application.Print your name here and then sign it at the bottom，please.请填写这张申请表。用印刷体在这儿写上您的姓名，并在底部签字。；
What currency of loan do you want？你们想贷哪种外汇呢？；
The interest will be calculated at the floating rate published every day by the People s Bank of China.利率将按中国人民银行每天公布的浮动利率计算。；
Anyway I have to check your recent Balance Sheet and Profit and Loss Statement again.Do you have them now？不过，我得再核查一下贵公司近期的资产负债表及损益表。您现在有吗？；
Please fill out this loan application.请填写这份贷款申请表。；
A：Excuse me.I would like to ask about taking out a loan.；
B：Ok.Do you have an account here？；
A：Yes.I ve been a customer here for about two years.；
B：How much do you want to borrow？；
A：I m thinking of borrowing five thousand dollars.；
B：All right.I ve got a few more questions to ask you.Then you need to fill out these application forms.；
A：打搅一下，我想问一下贷款的事。；
B：好的。您在我们银行有账户吗？；
A：有。我作贵行的顾客大约有两年了。；
B：您想借多少钱？；
A：我考虑借5000美元。；
B：好的。我还有几个问题要问你。然后你得填一下这些申请表。；
A：Excuse me， sir. I d like to apply for a housing loan， is it handled here？；
B：Yes， sir. Please take a seat.；
A：Thank you. It s said that you offer a 20year mortgage loan with an interest of 5.75% per year， is that right？；
B：That s right. Here s our mortgage loan booklet， which explains all the things necessary. When you re through with the booklet， please fill in this loan application form. Write down your name， your address， your phone number， and state your purpose of loan and the amount you need.；
A：The purpose of loan？；
B：Just put in “housing loan”.；
A：What s the current rate， please？；
B：7.37percent. What do you think of it？；
A：It s all right.；
B：Now， please make a close study of this printed loan agreement and make sure you understand all the terms stated before you sign it.；
A：I have gone over all the terms and have got no questions about them. Shall I sign it now？；
B：Yes， please.；
A：When could I get the money？；
B：In a week. Please bring your ID when you come next time.；
A：I will. Thank you so much. Goodbye.；
B：Goodbye.；
A：打扰一下，先生。我想申请房屋贷款，是在这里办理吗？；
B：是的，请坐。；
A：谢谢。据说你们银行提供贷款期限为20年，年息为5.75％的抵押贷款，对吗？；
B：是的，这里有一本关于我们抵押贷款的小册子，它说明一切要办的手续。看完小册子后，请填写贷款申请书。请写下你的名字、住址、电话号码并注明借款目的及你所需的数额。；
A：贷款的目的？；
B：写“房屋贷款”就可以了。；
A：目前的利率是多少？；
B：7.37％。你觉得怎么样？；
A：还行。；
B：现在请仔细看一下这份印好的贷款协议书，在签名前务必把所述的条款弄明白。；
A：那些条款我都看过了，我没有什么问题。我现在就签名吗？；
B：是的，请签名。；
A：我什么时候可以得到这笔款？；
B：一周之后。下星期来这儿的时候，请把身份证带来。；
A：我会的。非常感谢。再见。；
B：再见。；
assign ...to 把……转让；
paperwork n. 票据工作；
apply for 申请；
staten. 说明，陈述；
purposen. 意图，目的；
paymentn. 支付，支付的金额；
departmentn. 部，部门，局处；
innovationn. 革新，创新；
survivev. 生存；
developv. 发展；
repayv. 偿还；
identifyv. 证明……的身份；
behalfn. 利益，代表；
loan officer贷款业务员；
commercial loan商业贷款；
personal loan个人贷款；
securityn. 抵押品；
termn. 期限；
principaln. 本金；
dueadj. 到期的；
pay back偿还；
pay off付清；
creditorn. 债权人；
mortgage loan抵押贷款；
The Secret of Success
“Sir，what is the secret of your success？”a reporter asked a bank president.
“Two words，”
“And，sir，what are they？”
“Right decisions.”the president replied.
“And how do you make the right decisions？”the reporter followed.
“One word.”
“And，sir，what is it？”
“Experience.”
“And how do you get experience？”the reporter went on asking.
“Two words.”
“And，sir，what are they？”
“Wrong decisions.”
成功的秘诀
“先生，您的成功秘诀是什么？”一位新闻记者向银行的总裁问道。
“两个字。”
“是什么呢？”
“正确的决策。”总裁回答道。
“您是如何制定正确的决策呢？”记者接着问。
“一个字。”
“又是什么呢？先生。”
“经验。”
“您是怎样得到经验的呢？”记者继续问道。
“两个字。”
“先生，它们是什么呢？”
“错误的决策。”
