金融英语银行业务情景对话.docx

金融英语银行业务情景对话 A：Very well, here are the general terms of our loan policies. We pride ourselves in having thelowest interest rate in the country for personal loans.好的，这是贷款政策的基本条款。 全国范围内我们银行的个人贷款利率是最低的。 B：I see. So let me get this straight. If I borrow let’s say, ten thousand dollars, how much will Ihave to pay each month?我明白。 那我就直说吧，如果我借1 万美元，每个月我应该还多少钱?A：It depends on how long you take to pay it back. If we lend you ten thousand dollars at anannual interest rate of ten percent for forty eight months, you would have to pay each month aportion of the loan which is called the principal and another small portion of the annualinterest rate. This of course is considering that you don ’t default on a payment! 主要取决于你还款的时间。 如果我们以年利率百分之十贷款 1 万美元给你，为期48 个月，你 每月必须还一部分叫做基本额度，还有一小部分年利率。 这当然是在不考虑您拖欠还款的请款下计算的 B：It sounds good but, there is just one problem. I have a terrible credit score. 听起来不错， 但是还有个问题，我信用评分很差.A：That is a very serious problem you see, the bank must assess your personal information,past loans, assets and any other relevant information such as your credit score in order toapprove your loan.那是个严重的问题，银行必须评估你的个人信息， 过去贷款记录，财产和其他相关信息，比如准许你贷款的信用评分。 B：You know what? I don’t really need the money. Thanks anyways! 你知道吗?我不真的很急需钱，无论如何，谢谢你。 A：Okay, have you made a wire transfer at our bank before?好的，你以前在我们银行电汇过吗?B：No. I’ve never made a transfer before.没有， 我早先没转过。 A：It’s alright, I will take you through the procedure. Are you transferring funds to acompany or an individual account? 好吧，我会指导你如何办手续，你是将钱转到另一个公司账户还是个人账户 ?B：A company account. I need to pay a bill.公司账户，我需要付钱。 A：Okay, I’ll need the name of the company and their bank routing number as well as theirbank’s address and phone number.好的，我要知道公司的名字和开户号还有他们的银行地址和手机号。 B：I have all the information in this folder.文件里有所有信息。A：Well. You’ve come prepared. I have all the necessary materials so we can go ahead andmake the transfer right now. It’s a simple transaction, and we can process it today.看来你已经准备好了，你已经有必须的材料， 现在我们就能转账。 这是个简单的手续，我们今