1. Good morning/afternoon, sir/madam. Can I help you?
早上好/下午好，先生/女士，有什么能为您效
2. With pleasure.
很高兴为您效劳。
3. Please go to Counter 1 for srvice.
请到 1 号柜台办理。
4. Please wait a moment.
请稍等。
5. Have you got your identification card with you?
您携带身份证了吗？
6 Have you got the necessary documents with you?
必要的相关文件您带来了吗？
7. Please enter the pass code of your account.
请您输入账户密码。
8. The inquiry may take some time, please kindly wait.
查询会需要一段时间，请您耐心等待。
9. I'm sorry, the pass code you entered does not match the one you registered.
抱歉，您输入的密码不正确。
10.Please re－enter your password.
请您再次输入您的密码。
11. Please check it
请您核对。
12. Here is the pay-in slip for you to sign.
这是缴费单，请您签字
13. Please sign your name on the dotted line.
请您把名字签在线上面。
14. This is the receipt of charge for you
这是您的缴款收据
15. You can visit me at any time for further details.
您可以随时来找我咨询更多细节。
16. Would you like to open a personal account or a company
account?
请问您想开个人账户还是公司账户？
17. You are requested to submit the Business Registration of the
company and a photocopy of Identity Card. would you like to
open it now?
您须提交公司的商业登记证和身份证复印。您想现在就办理手续吗？
18. Would you like to open a current account or a fixed time
deposit account?
请问您想开活期存款账户还是定期存款账户？
19. Opening an account is free of charge, but you ha ve to
deposit 10 yuan as your initial deposit.
开户不需要手续费，但您得先存 10 元 起 存 额 。
20. We offer a choice of three - ,six -or twelve-month maturities in
most cases. Of course, we have two - ,three- ,five- and ten-year
plans ,too
大多数情况下，我们提供为期 3 个月、 6 个月和 12 个 月 的 存 款 期 限 ，
您可以从中选择。当然，我们也有为期 2 年 、 3 年 、 5 年 和 10 年的存款
期限。
21. You may make withdrawals from the account at any time if
it's a current account.
如果开活期账户，您可以随时取款。
22. The interest rate of the fixed deposit account varies with the
amount and the maturity period .So, would you please tell me
the amount that you intend to put in and for how long?
定期存款的利息率因存款额及存款期而有所不同，所以，请告诉我您打
算存入的存款额及存款期。
23. You may withdraw your time deposit before the
maturity， but the interest would be applied at the rate of
current account.
您可以提前支取定期存款，但利息只能按活期存款利率计算。
24. There are some withdrawal forms on the counter over there.
Please fill one out, stating the amount you want to withdraw, the
date, and your account number, and then don't forget to sign
your name. Then come back to me when you've finished ， thank
you.
柜台上有取款单 .请您填 写一张，注明想取的金额、日期以及账号，别忘
了签字，填完后拿来给我，谢谢！
25. The amount in words is incorrect. Would you mind filling
another one, because the voucher is invalid if altered.
您的凭证金额大写填写有误，请您重填一份，因为金额不能涂改。
26. I'm sorry, I'm afraid the money is not quite the same with the
amount you indicated. please double check it.
您的款项有误，请您重新清点一下。
27. Since you are depositing for others, you need to provide
both parties’ IDs or passports.
为别人代办存款需要您出示两人的身份证或护照。
28.Please sign your name on this withdrawal slip, we will debit
your account directly for fees.
请您在取款单上签名，我们会直接从您的账户上扣除费用。
29. This is your bankbook. Please keep it safe.
这是您的存折，请拿好。
30. If you lost your bankbook, you have to report a loss as soon
as possible.
如果您的存 折丢了，您必须马上挂失。
31. All right, sir/madam. Here you are. Please check.
好的，先生 /小姐。这是您的现金，请清点一下。
32. Please tell me how much do you want to exchange?
请告诉我您想兑换的数额。
33. Please wait a moment, I'll find out the exchange rate.
请稍等，我查一下兑换率。
34. It's 761yuan for 100 dollars.
100 美元可兑 761 元 。
35. It's 200 French francs at today' selling rate.
今天的卖出价是 200 法国法郎。
36. The buying rate of U.S.dollar notes is 763 yuan per hundred
dollars.
美元现钞买入价是 100 美 元 兑 763 人 民 币
37. By the way, in what denominations would you like it ?
您想要兑换多少面值的现金。
38. Would you fill in this exchange memo?
请您填写兑换单。
39. We'll make the payment and debit it to your account.
我们将把汇款从你的账上划付。
40. We will charge you a handling fee of one percent of the
amount you wish to remit.
我们要收取汇款金额 1％的手续费。
41. The minimum amount for handling fee is one Yuan, and the
maximum amount is fifty Yuan. That is to say, we only charge
you fifty Yuan for whatever remittance whose amount is greater
than five thousand Yuan.
手续费最低 1 元 ， 最 高 50 元 。 也 就 是 说 ， 如 果 您 汇 5000 元 以 上 ， 我
们只收 50 元 。
42. If you have some RMB left when you leave, you can present
your exchange memo and change them back into US dollars
如果您在离开时，还留有未用完的人民币，您就可以凭兑换单再把人民
币兑换成美元。
43. Who is the payer, the exporter of which country?
付款人是哪个国家的进口商？
44. Do you have your contract and Import License?
您有合同和进口许可证吗？
45. Documentary collection requires the draft to be accompanied
by commercial documents.
跟单托收要求汇票附上商业单据。
46. A letter of Credit is quite literally that -a letter addressed by
the buyer's bank to the seller's bank stating that they coul d
vouch for their good customer, the buyer, and that they would
pay the seller in case of the buyer's default.
信用证实际就是一个由买方的银行向卖方的银行出具的证明，表明他们
能够为他们信誉良好的客户，即买方，做担保，并且当买方违约时他们
会给卖方付款。
47. What you need to do now is deposit 100% of the guaranteed
funds of your contract into your account with us.
您现在要做的就是往贵公司在我行开立的账户里存入相当于 100%的 合
同金额的保证金。
48. That's right, there's “ revocable” and “ irrevocable” . We
usually go for the irrevocable one, it's the most popular.
有“可撤销”和“不可撤销”两种。我们通常选择不可撤销那种，它用
的最广泛。
49. The forward exchange rate is the rate that is contracted
today for the delivery of a currency at a specified date in the
future ,at a price agreed upon today.
远期外汇汇率是以合约形式规定下来的，按照合约签订当日协定好的价
格在未来某一约定日期进行外汇交割时所采用的汇率。
50. If the value of forward exchange is higher than the spot
exchange, we quote it “ At Premium” . Otherwise, we say “ At
Discount” . If the spot - forward spread equals, we quote it “ At
Par” .
如果远期外汇比即期外汇价值高，我们就称其为“升水”，否则，低于
即期外汇价值就是“贴水”，如果和即期外汇价值等值，我们就称之为
“平价”。
51. Would you like to apply for a card with us?
您想申请我们的 银行卡吗？
52. As soon as the account is set up , we will issue you with a
card.
只要账户开好了，我们就会给您发卡。
53. It should all be sorted out within 5 working days after
receiving of the required documents.
在收到所需的文件后， 5 个 工 作 日 内 应 该 能 办 完 。
54. You can get the cash, make a deposit , or get your balance.
您可以提取现金、存款或了解您的存款余额
55. You can also enjoy other services ,including getting the
paying of bills, transferring between accounts, booking cheque,
ordering statement and changing your PIN.
您还可以办理其他业务，如查询付款单、账户间的转账、预购支票奔和
银行结单，也可以变更您的个人账户 密码。
56. Is that an Debit or Credit Card?
您丢的是借记卡还是信用卡？
57. Please wait a moment. Let me check it for you. Well
sir/madam, there is no withdrawal record on the account, and I
don't fin d any expense record .Usually it's impossible for one to
use a card fals ely. Don't worry about it.
请稍等，让我查查看。先生 /女士，没有取款记录，也没有发现消费记
录。一般不会出现冒用的情况，请放心。
58. Let me just take some details from you and I would like to
help you in any way I can.
我这就记录一下您的详细信息，我会尽我所能帮助您。
59. Please fill out the application form for reporting the loss
请您填写一份挂失申请表
60. A new card should all be sorted out within 3 working days.
And we'll charge you RMB10 for the report of you loss.
我们将在三个工作日内给您发放新卡，同时，我们要收取您 10 元人民
币的挂失费。
E-banking Service
61. It's my pleasure to introduce our E -banking service to you.
很荣幸可以告诉您一些关于电子银行的情况。
62. You can log on to the bank internet Website anytime and
anywhere to access complete and detailed information and
services.
不论何时您在何处，只要您登陆银行网站，完善详尽的咨讯及服务可供
您随意浏览。
63. You can contact us through email, telling us your
requirements and suggestions about personal wealth
management. We will handle and answer your e -mail promptly
and in complete security.
您可以通过电子邮箱与我们联系，将您对个人理财的要求与建议电邮给
我们。我们会妥善处理您的邮件并及时安全地给您答复。
64. We provide customers with various services,
including account management, online settlement, loan
information, document services, charging stations.etc.
我行向顾客提供账户管理、网上结算、贷款查询、票据业务、收费站等
服务项目。
65. You can seek whether the order has been confirmed to be
valid by the online pay ing in the web page of the Bank at any
time.
您可随时提供银行网页“网上支付”专栏查询订单是否已被确认有效。
66. You may also report the temporary loss by using our
telephone banking service.
电话银行也可以进行账户的临时挂失。
67. Electronic funds transfer (EFT) is a system where customer's
transactions, such as deposits and withdrawals, are recorded
electronically and then stored in a computer's memory. When
you have to check the records, the computer provides instant
retrieval.
EFT 是中央的系统，它使得客户业务，比如存款、取款等经过电子记录
后再存入电脑存储器。要想查看记录，电脑能立即提供检索。
Credit Business
68. May I ask whether you have signed the temporary agreement
for sale and purchase?
请问您签署了临时买卖合同了吗？
69. Usually the time duration from the signing of temporary
agreement for sale and purchase to the completion of signing an
agreement lasts about forty da ys. After the signing of the
temporary agreement for sale and purchase ,you can apply for
the mortgage loan.
一般情况下，在您递交申请表后 3 星 期 ， 我 们 便 会 口 头 通 知 暂 定 按 揭 数
额及通知律师准备按揭契约及发出临时贷款接纳书。申请楼宇按揭贷
款，您需填妥贷款申请表，连同身份证副本、收入证明及临时买卖合约
一并递交。当然，如果需要，我们会要求你出具其他文件
70. We offer to our customer mortgage loans at the rate of
0.42% per month for 10 years.
我们给客户提供的住房抵押贷款 10 年 期 利 率 是 月 息 0.42%
71. You should have the original and two duplicates of your
housing purchasing contract and down payment receipt.
您应该准备购房合同、预防款收据原件和复印件各两份。
72. Our bank offers a RMB loan with no more than 30 years.
我们银行提供的人民币贷款最长期限不超过 30 年 。
73. According to the regulations issued by the PB C,the annual
interest rate is 3.96%for the term of 1 to 5 years ,and 4.41%for
more than 5 years.
根据中国人民银行的规定， 1 到 5 年 期 的 年 利 率 是 3.96%， 5 年期以上
的年利率是 4.41%
74. Let me see, you should supply your own passport, border
pass or valid written testimonials before the loan is credited to
your account.
让我看一看 ,在贷款发放到您的账户之前要补交护照，出入境签证或有效
书面证明。
75. There are three loan guarantee modes, namely, mortgage,
pledge and guarantee. Which one will you choose ？
贷款担保有三种形式，即抵押、质押和保证。您选哪一种？
76. We have a loan named Personal Loan For Studying Abroad .It
is a kind of loan specially provided to people studying abroad
for payment of their tuition and miscellaneous fees.
我行有一种专供出国留学人员的贷款产品，叫做“个人留学贷款”，这
种贷款主要用于借款人支付出国留学所需要的学费和各项杂费。
77. According to our loan policy, the loanee could be the person
studying abroad, his or her spouse, direct line relative or legal
guardian.
根据规定，拟出国留学人员本人、其配偶、其直系亲属或其法定监护人
均可作为借款人
78. The interest rates are adopted according to the relative rates
announced by the PBC.
利率按照人民银行规定的同期同档利率执行。
79. It may not exceed the due date of the pledged CDs or
treasury bands, besides, the maximum maturity is one year.
贷款期限不得超过质押存单或者国债的到期日。此外，最长期限不得超
过一年
80. The per sonal pledge loan interest rate is implemented in
accordance with the loan interest rate stipulated by the
People's Bank of China (PBC)for the corresponding period. And it
can’ t float beyond the ceiling rate specified by the PBC.
个人质押贷款利率按人民银行同期同档次贷款利率执行。其 浮动幅度不
得超过人民银行规定的利率上限
81. We will have to make an investigation of your credit standing
before we approve your loan application.
我们得对你们的信用情况进行调查后才能批准你们的贷款申请。
82. We will make the loan decision based on your credit
grade, repayment capability management syste m and proportion
of outward equity invested.
我们将根据贵单位的信用等级，偿还能力、管理制度和对外股权投资比
例等情况做出贷款决策
83. We will go through the acceptance application, preliminary
review, evaluation and examination, and approval for it.
要经过受理、初审、评估和审批四个阶段。
Financing Business
84. We provide you
“ coordinated” financial services
through personal finance service,
such as multi -accounts on a
card ,interbank deposit and
withdrawal, account transfers
between bank and securities
companies, commission and payment,
network banking, etc.
我行通过个人理财为您提供“一条龙”
金融配套服务，如一卡多户、通寸通兑、
银证转账、待收代付、网上银行等
85. Our investment service will help
you make choices among a range of
mutual funds and a unit trusts,
and then evaluate their performance
and potential risks for you..
我们的投资服务将协助您在多种单位信托
基金或互助基本中做出选 择，并对各项基金
的表现与风险进行评估
86. Stock transactions can be
directly done by account transfers,
so it will save you extra trips
所有股票买卖的收支均可通过您在我行的
账户直接转账，免掉前往银行办理收支手续
的麻烦。
87. We can offer you all available agent services in
open-endedfunds investment, such as
opening a new account, subscription,
purchase application, and so on.
我行提供开放式基金投资的所有代理业务，比如开户、认购、申购等代
理业务。
88 Charge can be levied through front -end load and back -end
load. Front -end load is a sales charge paid by the investor at the
time of purchase.
基金的手续费分为前段收费和后端收费。前段收费指基金投资者在购买
基金时支付的销售费用。
89. Fund account temporary loss report can be made through
Internet Banking and Telephone Banking.
基金账户的临时挂失可通过网上银行和电话银行办理。
90. We have recently opened a new service called Financial Link.
我行最近开办了一 项新的业务，叫做“理财通”。
Agency Service
91. Does your company have a Wage Distribution Service
Agreement with us?
您的公司与我们签有代发工资服务协议吗 ?
92. It's possible to sign an agreement with us, and then we can
pay your staff directly. This is called an Entrustment Agreement.
只要与我们签署一项协议 ,然后我们就可以直接给你们的员工发工资了。
这就是所谓的委托协议。
93. Based on your requirements, we can transfer the funds into
your employees’ account monthly.
我们可以按照您的要求 ,每个月将工资转入每位员工的账户
94. It is possible to pay in cash or pay directly to the employee ’
s savings account ,no matter which bank they do business with.
这项服务可以支付现金 ,或者直接存入员工的储蓄账户 ,无论他们在哪个
银行开的账户
95. According to the entrustment agreement, you can entrust us
as an agent to pay the charge of electricity.
根据委托协议，您可以在我们银行办理代收电费业务。
96. Please fill out the Application Form Of Entrustment
Agreement For Charges and provide a copy of your ID card and
your Charge Card number.
请填写“委托扣款协议申请表” ,并提供身份证复印件和交费卡号码。
97. Will you fund it in cash or through your savings account?
您是缴现金还是从储蓄账户上扣缴？
98. Your balance is not sufficient.
您的账户余额不足
99. Be sure that you have enough money in your account.
您需确保账户上有足够的钱。
100. You'll enjoy yourself with the services next month.
下个月起您就可以享受（代收费）服务了。
