银行英语口语——Financing Services 理财服务

普通人由于缺乏专业的理财知识，在银行投资理财时往往会为难到底如何选择理财产品、如何看懂理财产品说明书、如何分辨该产品的优劣，这时或许就需要与银行工作人员沟通，今天和大家分享一下与银行理财服务有关的英语知识。

银行理财服务常用英语单词
account n.账户
charge n.费用；v.收费
appointment n.预约，指定
cheque n.支票
confirmatory adj.确定的，证实的
charter n.许可证，执照；v.特许，发给特许执照
current account/checking account 活期存款；经常账户


银行理财服务常用英语句子
顾客用语
① How about the interest？I’m not really happy with the interest I'm receiving through my Current Account.
利息的情况如何？对于我的活期存款账户中得到的利息，我不是很满意。
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？ 
我可以用一张卡来操作多个账户吗？比如，如果我有两个或三个账户，并且想把钱从一个账户转到另一个账户，行吗？
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.
我收到了一些你们寄给我的传单，其中的一张提到你们有一项新的服务，说你们可以在这家银行与证券公司之间转账。
④ I’m not sure which would be better for me; buying some insurance or putting my money in a Savings Deposit.
我不知道哪一项对我来说更好，是买一些保险还是把钱存起来。
⑤ I’m mostly interested in the personalized services you offer，with stock market news, etc.
我最感兴趣的是你们提供的个性化服务，提供股市新闻等等。

职员用语
① Are you here to get some advice about our new Personal Financing Program?
您是来咨询有关我们的新的个人理财业务的吧？
② The account is a compound savings account, which is in RMB and Forex. 这个账户是一种集本币和外币为一体的复合型存款账户。
③ You can have a MoneyLink car. You can also base the account on time deposits. The choice is yours. 
您会得到一张灵通卡。您还可以使您的账户基于定期存款形式。您自己来决定存款形式。
④ The interest on this new account is higher than any of the accounts in our Personal Financing.
这个新账户的利息高于我们开办的个人理财业务的其他各种账户。
⑤ You can have multi- accounts on the card, you can also make transfers from the account and securities companies and various other benefits.
您可以用一卡多户形式，而且您还能把钱从您的账户以及您的证券账户转出来，您还有其他的一些好处。
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. 
我们可以为您提供量身定做的咨询服务，为您提供最新的股市行情，并且帮助您规划投资的具体操作。


银行理财服务口语情景对话
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，您看上去有点儿不知所措。我可以帮忙吗？
B：是这样的，我这里搞到了所有这些信息，所有这些传单，但是我对此完全摸不着头脑。
A：我明白了。您感兴趣的到底是什么呢？
B：我不知道哪一项对我来说更好，是买一些保险还是把钱存起来。
A：嗯，这一切完全取决于您想投资的数额。
B：我想大约投10000元。
A：这是一个挺好筹算的整数！好的，如果您购买这种保险的话，您每年的从中得到的固定收入将是94.35元。
B：那么用于储蓄呢？
A：用于储蓄存款的话，您实际上可以得到更多。您瞧，存定期存款的话，利率在扣除20％的利息税后是1.58％。因此，很显然您可以多得到超过三分之一的利息。
B：哇！超过三分之一呀？非常好。