銀行英語口語——Financing Services 理財服務

普通人由于缺乏專業的理財知識，在銀行投資理財時往往會為難到底如何選擇理財產品、如何看懂理財產品說明書、如何分辨該產品的優劣，這時或許就需要與銀行工作人員溝通，今天和大家分享一下與銀行理財服務有關的英語知識。

銀行理財服務常用英語單詞
account n.賬戶
charge n.費用；v.收費
appointment n.預約，指定
cheque n.支票
confirmatory adj.確定的，證實的
charter n.許可證，執照；v.特許，發給特許執照
current account/checking account 活期存款；經常賬戶


銀行理財服務常用英語句子
顧客用語
① How about the interest？I’m not really happy with the interest I'm receiving through my Current Account.
利息的情況如何？對于我的活期存款賬戶中得到的利息，我不是很滿意。
② Can I use the one card for several accounts？Say, if I have 2 or 3 accounts and want to transfer money from one to the other？ 
我可以用一張卡來操作多個賬戶嗎？比如，如果我有兩個或三個賬戶，并且想把錢從一個賬戶轉到另一個賬戶，行嗎？
③ I received some leaflets in the post from you, one of them talked about a new service you have where you can transfer money between this bank and securities companies.
我收到了一些你們寄給我的傳單，其中的一張提到你們有一項新的服務，說你們可以在這家銀行與證券公司之間轉賬。
④ I’m not sure which would be better for me; buying some insurance or putting my money in a Savings Deposit.
我不知道哪一項對我來說更好，是買一些保險還是把錢存起來。
⑤ I’m mostly interested in the personalized services you offer，with stock market news, etc.
我最感興趣的是你們提供的個性化服務，提供股市新聞等等。

職員用語
① Are you here to get some advice about our new Personal Financing Program?
您是來咨詢有關我們的新的個人理財業務的吧？
② The account is a compound savings account, which is in RMB and Forex. 這個賬戶是一種集本幣和外幣為一體的復合型存款賬戶。
③ You can have a MoneyLink car. You can also base the account on time deposits. The choice is yours. 
您會得到一張靈通卡。您還可以使您的賬戶基于定期存款形式。您自己來決定存款形式。
④ The interest on this new account is higher than any of the accounts in our Personal Financing.
這個新賬戶的利息高于我們開辦的個人理財業務的其他各種賬戶。
⑤ You can have multi- accounts on the card, you can also make transfers from the account and securities companies and various other benefits.
您可以用一卡多戶形式，而且您還能把錢從您的賬戶以及您的證券賬戶轉出來，您還有其他的一些好處。
⑥ We can provide a tailored consultation service for you, you the latest quotes from the Stock Exchange and help you to plan exactly to with your investments. 
我們可以為您提供量身定做的咨詢服務，為您提供最新的股市行情，并且幫助您規劃投資的具體操作。


銀行理財服務口語情景對話
A: Good afternoon, you 100k a little stuck. Can I help？
B: The thing is, I've got all of this information here, all of these leaflets, but I can’t make head nor tail of them！
A: I see. What is it exactly that you are interested in？
B: I’m not sure which would be better for me; buying some insurance or putting my money in a Savings Deposit. 
A: Well, that all depends on how much you want to invest.
B: I was thinking Of around 10,000 RMB.
A: That’s a nice round figure to deal with！OK, if you were to buy this insurance policy，your yearly fixed income from it would be 94.35 RMB. 
B: And for the Savings Deposit？
A: For the Savings Deposit you could actually get more. You see, in time deposit, the interest rate is 1.58％ after the 20％ interest tax. So，technically you could get more than a third more.
B: Wow！A third more？Very good.

A：下午好，您看上去有點兒不知所措。我可以幫忙嗎？
B：是這樣的，我這里搞到了所有這些信息，所有這些傳單，但是我對此完全摸不著頭腦。
A：我明白了。您感興趣的到底是什么呢？
B：我不知道哪一項對我來說更好，是買一些保險還是把錢存起來。
A：嗯，這一切完全取決于您想投資的數額。
B：我想大約投10000元。
A：這是一個挺好籌算的整數！好的，如果您購買這種保險的話，您每年的從中得到的固定收入將是94.35元。
B：那么用于儲蓄呢？
A：用于儲蓄存款的話，您實際上可以得到更多。您瞧，存定期存款的話，利率在扣除20％的利息稅后是1.58％。因此，很顯然您可以多得到超過三分之一的利息。
B：哇！超過三分之一呀？非常好。