交通银行连云港分行柜员英语培训手册

连云港分行营业部柜员英语培训手册随着全球经济一体化的发展以及我国金融机构持续的海外拓展，许多外籍人士已经参及到我们的社会生活当中。可以预见，在将来将会有越来越多的外籍人士来到中国，对金融服务的需求也会越来越丰富。所以提高柜员综合素养，尤其是提高柜员外语听说实力燃眉之急。作为世界各国通用语言的英语由于其特殊的地位，是我们外语实力提升的主要语种。参照银行柜台业务的实际流程，依据英语教学的内容，进一步满足提高柜员英语听说实力的须要，本行收录了银行业务流程中可能涉及到英语对话的部分内容，用于帮助英语教学，旨在提高柜员的业务素养和专业英语水平。目 录第一部分 必备词汇一般用语开户及存款外币兑换汇款旅行支票信用卡其次部分 常用句型问候、招呼供应服务引导相关柜台送别答谢询问开立账户请出示有关文件或证明告知汇率、利率是多少须要何种票面现金请客户稍作等候询问存入（取出）多少钱？起存金额要求指导客户填单收取正常费用树立银行形象第三部分 情景对话恭候客户光临指引方向开户及存款货币兑换购买外汇第一部分 必备词汇数字onenum. 一twonum. 二threenum. 三fournum. 四fivenum. 五sixnum. 六sevennum. 七eightnum. 八ninenum. 九tennum. 十hundrednum. 百thousandnum. 千millionnum. 百万billion一般用语countern. 柜台account n. 计算、账目greeting n. 问候、庆贺inquiry n. 询问 apology n. 致歉suggestion n. 提议pleasure n. 乐趣、愿望fault n. 过错、缺点forgive vt. 宽恕、饶恕mattern. 事务、物质、内容、缘由vi. 有关系、要紧guide n. 领路人、向导、导游 vt. 带领、指导moment n. 片刻charge n. 费用, 主管, 掌管vt. 收费commission n. 委任, 托付, 代办(权), 代理(权), 犯(罪), 佣金deduct vt. 扣除separate adj. 分开的, 分别的, 个别的, 单独的v. 分开, 隔离, 分散, 分别note n. 笔记, 短信,注解,票据, 纸币 vt. 留意, 记录, 笔记counterfeit n 赝品, 伪造品 adj. 伪造的, 假冒的vt. 伪造, 假冒relevant adj. 有关的, 相应的regular adj. 规则的, 有秩序的, 经常的 adv.经常地forge v. 稳步前进, 铸造, 伪造confiscate vt. 没收, 充公, 查抄, 征用adj. 被没收的receipt n. 收条, 收据, 收到v. 收到straight adv. 直, 干脆, 始终advice n. 忠告, 建议, 商通知cooperationn. 合作, 协作percentn. 百分比, 百分数intendvt. 想要, 打算, 意指, 意谓separatelyadv. 个别地分别地technicaladj. 技术的, 技术上的, 技巧方面的individualn. 个人, 个体urgent adj. 急迫的, 紧急的denominationn. 命名representativen. 代表adj.典型的, 有代表性的equivalentadj. 相等的, 相当的, 同意义的n.等价物, 相等物开户及存款cash n. 现金vt. 兑现deposit n. 沉淀物, 存款, 押金, 保证金 vt. 存放, 积累 vi. 沉淀withdraw vt. 收回, 撤消vi. 缩回, 退出interest rate n. 利率 annual adj. 一年一次的, 每年的, 一年生的current deposit 活期存款 fixed deposit定期存款 fillvt. 装满,充溢, 填充 vi. 充溢 n. 满足, 饱, 充分, 填方formn. 形态, 形态, 外形, 表格, 形式 v. 形成, 构成, 排列, (使)组成duplicateadj. 复制的, 副的, 两重的, 两倍的, 完全相同n. 复制品, 副本vt. 复写, 复制, 使加倍, 使成双sign n .标记, 符号, 记号, 征兆, 迹象, 征候 v. 签名(于), 署名(于), 签署dotn. 点, 圆点, 园点 vt. 在.上打点frame n. 结构, 画面,框架balance n. 秤, 天平, 平衡, 商 收支差额, 结余, 余额v. 平衡, 称, 权衡, 对比, 结算n. 资产平稳表minimum adj. 最小的, 最低的 n. 最小值, 最小化original adj. 最初的, 原始的, 独创的, 新颖的 n. 原物, 原作initial adj. 最初的, 词首的, 初始的 n.词首大写字母passport n. 护照Identity Card n. 身份证件effective adj. 有效的certificate n. 证书, 证明书 vt. 发给证明书, 以证书形式授权给.外币兑换exchange vt. 交换, 调换, 兑换, 沟通, 交易 n. 交换, 调换, 兑换, 沟通, 交易exchange raten. 兑换比率exchange memon. 兑换水单 memo 备忘录currencyn. 流通货币汇款remittance n. 汇款, 汇寄之款, 汇款额SAEC （State Administration of Exchange Control）国家外汇管理局approval n. 赞成, 承认, 正式批准reference n. 提及, 涉及, 参考, 参考书目, 证明书(人), 介绍信(人)convert vt. 使转变, 转换. reconvert v. (使)复原故态krone 克朗peso 比索bath泰铢rupee 卢布aboard adv. 在船(飞机、车)上, 上船(飞机、车)prep. 在(船、飞机、车)上, 上(船、飞机、车)order n. 依次,秩序,会议规则,叮嘱, 定购, 定单vt. 叮嘱, 定购, 定制differ from vi. 不一样, 不同旅行支票travellers checkn. 旅行支票signn. 标记, 符号, 记号, 征兆, 迹象, 征候v. 签名(于), 署名(于), 签署countersignn. 复签beforehandadv. 预先presencen. 出席, 到场, 存在purchase vt. 买, 购买 n. 买, 购买authorizationn. 授权, 认可issuing bank n. 出票行agreementn. 同意, 一样, 协定, 协议信用卡credit card 信用卡application n. 请求, 申请, 申请表, 应用 photocopy n. 影印 v. 影印license n. 许可(证), 执照 vt. 许可, 特许 v.许可validadj. 有效的, 有依据的, 正值的, 正确的expirationn. 满期 overdraftn. 透支, 透支之款项depend on vi. 依靠, 依靠accepting bank n. 承兑行contact with v. 及联系cancel v. 注销英语语法简介句子成分一个句子皆由两个部分组成，即主语部分（subject group）及谓语部分（predicate group），如:My brother teaches English at a language school.句子中的my brother即是主语部分，teaches English at language school即是谓语部分。句子由各个句子成分构成。句子成分分为7种：1）主语（subject）它是一句的主体，使全句所述说的对象，常由名词或相当于名词的词担当，置于句首，如：The train leaves at six oclock.2）谓语或谓语动词（predicate verb）它是述说主语的动作或状态的，常由动词担当，置于主语之后，如：The house faces south.3）表语（predicative）它是表述主语的身份或特征的，常由名词或形容词担当，置于连系动词之后，如：Brown is a comedian.Its fine today.4）宾语（object）它是表示及物动词的动作对象和介词所联系的对象的，常由名词或相当于名词的词担当，置于及物动词或介词等之后，如：I received a letter yesterday.Do yuou have coffee with your breakfast?5）定语6）状语7）补语句子句子（sentence）是具有主语部分和谓语部分并有完整意义的可以独立的一组词。在英语里，句子的基本结构有下列6种，较常用和简洁的有：1）主语+谓语（SV），如：Day dawns.2）主语+连系动词+表语（SLP），如：Toms father is a professor.3）主语+谓语+宾语（SVO），如：Ruth understands French.其次部分 常用句型问候、招呼1、 Good morning.2、 Goodafternoon.3、 How do you do ?4、 How are you ?供应服务5、 May I help you ?6、 What can I do for you ?引导相关柜台7、 Please follow me.8、 Come with me,please.9、 Please come this way.答谢10、 Thank you for your advice.11、 Thank you for your cooperation.12、 Thats very kind of you to do (say) so.送别13、 You are welcome.询问开立账户14、 What sort of account would you like?15、 What kind of account are you going to open?请出示有关文件或证明16、 Would you mind showing me your passport?17、 Could I have your passport,please?18、 Passport,please?告知汇率、利率是多少19、 Todays exchange rate of RMB to USD is 620 yuan to 100 dollars.20、 The annual interest rate is 3.5 percent.须要何种票面现金21、 How shall I give it to you ?22、 What would you like for your money ?请客户稍作等候23、 One moment,please.24、 Please wait a little while.25、 Just a moment,please.询问存入（取出）多少钱？26、 How much do you want to place to your account?27、 How much do you want to take from your account?起存金额要求28、 The minimum amount is one yuan.指导客户填单29、 Please sign your name on this full line(实线).30、 This is an exchange memo（外汇兑换水单）. Please fill in your name, passport number, your nationality and the amount you intend to change.31、 Please fill in this application（申请） form and sign your name.收取正常费用32、 You will have to pay the charge for the TT.（telegrahic transfer电汇）33、 The charge for TT is RMB180.34、 At your request, we deduct it from the remittance（汇款）.调解纠纷35、 How do you do ?Im the service manager. Would you please have a talk with me about it?36、 Well,please calm down, I think there is nothing serious and I will try to help you with the problem. Come with me, please.37、 were terribly sorry for this misunderstanding, but can I ask your cooperation and understanding ?树立银行形象38、 Well, were not only the closest bank,but were also the most modern and convenient bank in the whole block.39、 Would you like to leave your contact telephone number with us, so that I can give you a call as soon as problem is solved for you.40、 Ill contact you within the next few days. This is my business card,if you have other questions, please feel free to call me.第三部分 情景对话恭候客户光临AT: Good morning,Sir. What can I do for you ?C:Good morning, Id like to remit some money to the USA, but Ive got no idea how to do it.T:OK. Look, thats handled over there at counter with the sign “Outward Remittance”. Please follow me.C:Thank you.T:Thats all right.AT：早上好，先生。请问你要办理什么业务？C：早上好。我想汇些钱到美国，可是我不知道怎么办？T：瞧，就在那边标有“汇出汇款”的柜台办理，请跟我来。C：感谢你。T：没关系。BT:Hello, Sir. What can I do for you ? Youre looking very worried.C: I am. I have to withdraw my money in ten minutes, or I cant catch my plane. But you see, therere still three persons in front of me. I dont know what to do for such a hurry. T:OK, please dont worry. Let me help you with your business.(to other customers) Im sorry to bother you now, gentlemen. But this young man is in a hurry. Hes going to catch the plane. Would you mind if we do his business before your turn?C: No problem, please go ahead.T:Thank you very much for your cooperation.( to the worried customer ) Please.C: ( to the customers) Thank you very much.( to the service manager) Thank you.T: Dont mention it. My pleasure.BT：你好，先生。请问办理什么业务？你看上去挺着急的。C：是的。我必需在10分钟之内办好取款业务，否则我就赶不上飞机了。可是，你瞧，我前面仍有三个人，我不知道如何才能快点办完。T：好吧，请别着急。让我帮你办好此事。（面对其他客户）很愧疚打搅你们。这位年轻人有急事，他要赶飞机。请不要介意我们提前给他办理业务，好吗？C：没问题，请尽管办理就是。T：特殊感谢大家的合作。（对着急的客户）你请吧。C：（对其他客户）特殊感谢。（对大家经理）感谢你。T：别客气。应当的。指引方向T: Good morning,Sir. May I help you?C: Could you tell me how to get to the International Business Department?T: Certainly. Please go straight this way until the end. Then take the lift to the fourth floor.C: Thank you.T: You are welcome.指引方向T：先生，早上好，请问你要办理什么业务？C：你能告知我到国际业务部怎么走吗？T：当然可以。请始终往前走直到终点，然后乘电梯到四楼。C：感谢。T：不用谢。开户及存款AT:Good afternoon, Sir. May I help you?C:Yes, please. Id like to open a saving account. Will you tell me how to do it ?T: Certainly,sir. Im so glad to help you. Usually, we offer a current deposit account and a fixed deposit account for an individual. What kind of account would you like to open?C:Could you tell me the difference between them?T: Yes, of course. If you open a fixed deposit account, youll have a deposit certificate in the name of the depositor. And the interest rate is higher for it.C: Then,how about the current deposit account?T: The current deposit account takes the form of a Passbook. You may withdraw the money at any time and, you just need to present your passbook. C: Id rather open a current deposit account, then.T:Please go to counter No. 1 for service with your passport, and use your real name for your account.C:Thank you very much.T:You are welcome.开户及存款AT：先生，下午好。请问你要办理什么业务？C：是的，我想开一个储蓄账户，你能告知我怎样办理吗？T：好的，我很兴奋为你服务。我们通常对个人供应活期存款和定期存款两种账户，你想开哪一种？C：你能告知我它们之间的区分吗？T：当然可以。假如你开一个定期账户，你就会有一张以存款人名字开立的存款单，定期利率要高一些。C：那么活期账户呢？T：活期账户接受存折的形式，你可以随时取款，你只需出示存折。C：我开个活期账户吧。T：请到1号柜台，并在你的账户上运用你的真实姓名。C：特殊感谢。T：不客气。BT:How do you do ? What can I do for you ?C:Would you please tell me the current interest rate for such a us dollar deposit?T: Certainly, Sir. The Electronic Bulletin Board on the wall will give you all the up-to date interest rates and exchange rates. C: Where is it?T:You see , its over there. Come with me, please.C:Oh, yes. There it is! Thank you very much.T: Dont mention it. Its my pleasure.BT：你好，请问你要办理什么业务？C：你能告知我现在美元的存款利率吗？T：当然可以。我行大厅电子显示屏上公布着最新的存款利率和外汇牌价。C：电子显示屏在哪里？T：就在那边，请跟我来。C：是的。特殊感谢你。T：别客气，这是我应当做的。CC: Good morning.T: Good morning. Welcome to our bank. Im glad to help you.C: I have five thousand Singapore dollars ( S$5000) and Id like to deposit it in your bank. Can I do it here?T:Yes, of course you can. Can Im afraid therere only 9 kinds of foreign currency allowed for opening deposit account in our bank. Theyre US dollar, Hongkong dollar, Japanese yen, Pound sterling, Australiandollar, Canadian dollar, Swiss franc, Singapore dollarand Euro.C: Well, what should I have to do about it?T: Officially, as for any other freely convertible foreign currencies, they have to be changed into one of the 9 kinds of currencies just mentioned. The amount to be credited into your account must be duly converted according to the exchange rate ruling on the date of deposit. What currency would you prefer? Its up to you to make a decision.C: Oh, Ive got it. Thanks a lot.T: My pleasure.CC：早上好。T：早上好。欢迎光临，很兴奋为你服务。C：我有5000新加坡元，想存在贵行，可以吗？T：可以，但我们的存款货币目前只有美元、港币、日元、英镑、瑞士法郎、加拿大元、新加坡元、澳元、欧元九种。C：那我该怎么办？T：严格地讲，除这七种货币外的其他可自由兑换的货币，可由存款人自由选择上述九种货币之一，按存入日的外汇牌价折算入账。请问你选择哪种货币？这些均由你自己确定。C：哦，我明白了。感谢。T：不用谢。汇入汇款C:Good afternoon.T:Good afternoon. Can I help you ?C: Yes, Id like to know the different ways of remittance from abroad.T: You can send your money by TT、DD、or MT.C: Which is the quickest way?T: I suggest youd better choose telegraphic transfer if you urgently want cash.C: OK. Thanks.T: At your service.汇入汇款C：下午好。T：下午好，请问你要办理什么业务？C：请问从国外汇款来有哪几种方式？T：可以用电汇、票汇、信汇等形式汇款。C：接受哪种方式快些？T：假如急需用钱的话，用电汇比较快。C：好的，感谢。T：不用谢。货币兑换C:Good afternoonT:Good afternoon.C:Id like to exchange some US dollars for RMB yuan. Would you please tell me todays exchange rate?T: Its RMB ￥620 against USD100.C:Is this rate the same as in other banks all over China?T: Its the same.C:Also, I want to know your business hours.T: Its from 9:00am to 5:00pm every day.C: Thank you. Good-bye!T: Its my pleasure. Goodbye!货币兑换C：下午好。T：下午好。C：我想把美元换成人民币，请问今日的汇率是多少？T：今日的汇率是100美元兑换620元人民币。C：这及在中国其他银行的汇率是一样的吗？T：一样的。C：我还想问一下你们的营业时间。T：上午8：30到下午5：30。C：感谢你，再见。T：不用谢，再见。购买外汇T:How do you do, Sir. What can I do for you ?C:How do you do ? Ive been a foreign language teacher for two years in HuaiHai institute of technology. But Ill go back to the U.S.A. in a week when the vacation starts. I still have two thousand Renminbi Yuan unused from my wages. Can I change them into US dollars?T: According to the current provisions of our foreign exchange control regulations, you can convert your Renminbi notes not more then 50000 dollarsannually while youre staying in China. Well, by the way,have you ever bought foreign currency at present?C:No, I havent.T:So I think its no problem for you to buy US dollars with your two thousand Renminbi yuan.C: Can you tell me whats the exchange rate today?T:The selling rate is six hundred and twenty Renminbi yuan( RMB￥620)against one hundred US dollars( USD100). Youll get three hundred and twenty-three US dollars.C: Thats clear. I want to buy now.T: Please go to counter No.10. You can have the service there.C:Thank you very much.T:Youre welcome.购买外汇T：你好，先生。请问须要办理什么业务？C：你好。我在淮海工学院教外语已经有两年了。不过一周内假期一起先我将回美国去。目前工资还剩2000元人民币。 可以换成美元吗？T：依据我国目前的外汇管理规定，在中国期间你可以每年购买不超过50000美元的外汇。顺便问一下，最近曾购买过外汇吗？C：没有。T：那么我看你完全可以用2000元人民币购买美元。C：请你告知我今日的牌价是多少？T：卖出价是100美元兑620元人民币。你可以换取323美元。C：清楚了。我现在就买。T：请到10号柜台办理。你在那儿可以得到服务。C：特殊感谢。T：欢迎光临。