關於金融方面的英語對話

　　隨著經濟和社會的發展,單一的金融英語課程已經不能滿足學習者對於專門用途英語的需要。如何使金融英語與實際工作和職業相結合,讓金融英語發揮更大的作用,這是現在需要迫切考慮的問題。小編精心收集了，供大家欣賞學習!

　　1

　　Customer: Good morning, sir. I am from Japan. My English is poor. Can you help me?

　　顧客：你好，先生。我是日本人。我的英語不太好，你能幫忙嗎?

　　Clerk: It is my pleasure, but I think it would be better for you to tell me what you want to do.

　　職員：很高興為您效勞，但我想您最好告訴我您想要幹什麼。

　　Customer: Oh, I want to change some money, but I do not know how to fill out the exchange memo.

　　顧客：啊，我想兌換些錢，但不知道怎樣填寫兌換水單。我不會看英文。

　　Clerk: Would you care to give me your passport and write your name on the paper?

　　職員：您能把您的護照給我，並把您的名字寫在這張紙上嗎?

　　Customer: There you are. My name is Tanaka.

　　顧客：給你護照和姓名，我叫田中。

　　Clerk: Good. I will fill out the exchange memo for you now. Why do not you take a seat over there for a moment?

　　職員：好，我現在就為您填寫這張兌換水單。您請在那裡坐一會行嗎?

　　Customer: I would like to. Thanks.

　　顧客：好的，謝謝。

　　Clerk: Hello, Mr. Tanaka. I was wondering if you would ever thought of conversing the unused Renminbi back into Japan yen later?

　　職員：您好，田中先生，不知道您是否考慮到以後要把沒有用完的人民幣兌換成日元呢?

　　Customer: Yes, if I will have Renminbi left.

　　顧客：是的，如果有沒用完的人民幣的話，就要換成日圓。

　　Clerk: So, If I may make a suggestion , please keep your exchange memo safe,

　　職員：那麼，如果我還可以提一個建議的話，請您保管好您的這張兌換水單。

　　Customer: Thank you indeed. I will do that.

　　顧客：我會保管好的。謝謝。

　　Clerk: Not at all.

　　職員：不用謝。

　　2

　　Loans for Working Capital

　　流動資金貸款

　　Tadao Yamamura runs a Japanese Food Import Firm in LosAngeles.

　　山村忠男在洛杉磯經營一個日本食品進口公司。

　　He is talking to his banker ，Bart Jones ，about a working capital loan.

　　他正在和他的銀行家巴特·瓊斯談論有關流動資金貸款事宜。

　　Yamamura:We would like to expand our line of imports，but I’m having some difficulties withworking capital for the expansion 。

　　山村：我想擴大我們的進口貿易，但是在擴大經營中，我們在流動資金方面有些困難。

　　Jones:I think we should explore some of the commercial loan plans we have available that mightgive you the working capital you need.Mr.Yamamura.

　　瓊斯：山村先生，我認為，我們應該研究一下我們現有可利用的某些商業貸款章程，那樣，我們便可為您提供您需要的流動資金。

　　Y:I’ve brought along the latest copies of my balance sheet and operating statements.

　　山村：我隨身帶來了我的最新的資產負債表和營業損益表的副本。

　　As you can see，we have a lot tied up in accounts receivable 。

　　您可以從中看到，我們帳面上的應收帳款有許多已成為呆滯資金，

　　That’s one of our biggest problems.They’re good accounts ，but it requires a lot of working capitalto carry them 。

　　這是我們的最大問題之一。我些帳款都是有效帳目，但是需要許多流動資金去實施它們。

　　J:Yes，that’s a frequent difficulty in large and small firms，Mr.Yamamura.

　　瓊斯：是的，山村先生，這就是大小企業經常遇到的困難。

　　I might suggest an accounts receivable loan .We can lend you money against an assignment ofyour accounts receivable 。

　　我建議你們可以採用應收帳款貸款，我們銀行給您貸款，而把應收帳款轉讓作抵押。

　　Y:I wouldn’t want my customers to know that I had to assign their accounts to the bank 。

　　山村：我不願意讓我的顧客們知道我不得不把他們的賬戶轉讓給銀行作為抵押。

　　J:They wouldn’t know，Mr.Yamamura ，I’m talking about non-notification accounts receivableassignments 。

　　瓊斯：他們不會知道的，山村先生。我說的是不通知的應收帳款轉讓。

　　It’s frequently used type of loan for these purposes.Some people call it factoring 。

　　人們經常使用這種貸款來達到上述那些目的。有些人稱這種貸款為應收帳款讓售。

　　Y:You mean I borrow against the accounts，then give the payments I receive to the bank?

　　山村：您是說，我用帳戶上的應收帳款來抵付我的銀行貸款，然後把我今後所收回的那些帳款再還給銀行。

　　J:Yes，that’s right .Just a promissory note and an AR assignment is all that we’ll need.

　　瓊斯：是的，就是這樣。我們銀行所需要的只是一張期票和一張應收帳款轉讓單據。

　　3

　　Palmer: Hello, Mr Tang, how are you? It is nice to meet you again.

　　帕：唐先生，你好。又見到你感到愉快。

　　Tang: How are you, Mr Palmer. It's really a pleasure to see you here again. I do hope you have had a very enjoyable trip from London.

　　唐：帕麥先生，你好。在這兒又見到你，實在榮幸。你從倫敦回來，希望你這次旅途快樂。

　　Palmer: I must confess that the air trip is really a long one. But, you see, the air-lines are very comforable so that one does not feel tired at all the end of the journey.

　　帕：我該承認這次乘飛機航程夠長的了。但是你知道，客機非常舒適，到終點時一點不感到勞累。

　　Tang: Glad you have had a pleasant trip. I have to doubt you are comfortably settled and find things at the hotel satisfactory.

　　唐：你旅途愉快我也高興。想必你已安頓下來，旅館裝置都還滿意。

　　Palmer: Everything is perfect, thank you. Well, now, Mr Tang, if you don't mind. I'll talk shop with you directly.

　　帕：謝謝你，一切都美滿。噢，唐先生，要是你不介意的話，現在咱們直截了當談談業務吧。

　　Tang: Perfectly all right with me. In fact, we'd better talk over our business first and then have a chat afterwards. You wish to take up the subject of the Arbutus, don't you?

　　唐：那很好，說實話，我們最好先談業務，然後再聊聊。你想提出楊梅的事，是不是?

　　Palmer: That's right. You see, Mr Tang, you have probably been advised of the serious damage done to the last consignment of 60 cases of Arbutus. Upon its arrival in London on board S. S. Corna, it was found, much to our regret, that about 50% of the cases were leaking. Closer inspection by the Health Officers showed that the contents were considered unfit for human consumption.

　　帕：是，唐先生，也許你早已接到通知，最後一批60箱楊梅損壞嚴重。“柯娜”輪到達倫敦時，我們發現其中有百分之五十左右是漏的，對此我們感到十分遺憾。經衛生檢疫所官員仔細檢查，認為內裝的食品不再可以供人們食用。

　　Tang: Just a minute, if you please, Mr Palmer. Have your people in London discovered what were the exact causes of the leakage? It was rather a singular case, for thounsands of tons of this product have been exported and this seems to be the only case of having been damaged en route.

　　唐：帕麥先生，稍等一等。我請問，在倫敦你們有人發現漏的確切原因是什麼?這樣的事還只有這麼一次。我們已經出口了幾千噸，在中途損壞的看來僅此頭一回。

　　Palmer: I am sorry I have to say it was not en route. It was definitely damaged prior to loading onto the S. S Corna. You may think it a singular case, yet the fact remains that this has made it necessary for us to file a claim on you. Here, Mr. Tang, I have brought along with me the certificate issued by the London Health Officer. It speaks for itself. As to the causes, closer inspection and examination by our cargohandling people revealed that the leakage of juice was brought about by damaged tins. They were evidently broken through careless handling while being loaded into the ship's hold in Shanghai dock.

　　帕：很抱歉，我得說明，損壞不是發生在運輸途中，是在裝上“柯娜”輪之前，你可能認為這是獨一無二罕見的事。可是簡單的事實就是如此，我們有必要向你提出索賠。唐先生，這兒有倫敦衛生檢疫所官員發的證書，書上寫得的一清二楚。我們經辦裝卸的人仔細檢察過，看出果汁漏出的原因是罐頭損壞池。很明顯，當貨在上海碼頭搬運裝船時，因操作不慎造成損壞貨物。

　　Tang: As I have said before, the whole business is most unfortunate. We have never come across such a case of damage during loading.

　　唐：我剛才講過，這件事實在是很不幸。我們從沒有遇到罐頭正在裝船時發生損壞的事。

　　Palmer: I have to remind you that our terms are C.I.F London port. While we have full confidence in your Commodities Inspection Bureau in its capacity of quality inspection, this is a case which occured after their sampling and analysis at the works. And the broken tins through careless handling and deterioration of contents en route necessarily about this state of affairs. Now, Mr Tang, you are well aware that our business has just started this branch of activites and the losses thus sustained will be a blow to this department. I am sure you will think it fair on our part when we suggest that the total value of the parcel should be reduced by 50% and that you should give us an allowance by way of credit for the amount to be set against our future purchases of canned fruits from you.

　　帕：我得提醒你，我們成交的條款是倫敦到岸價。雖然我們對你商品檢驗局檢驗品質的能力是信任的，可是損壞是在工廠中抽樣化驗之後發生的，操作不慎，罐頭損壞，中途貨物變質，必然會造成這個情景。唐先生，你很清楚我們才開始經營這項業務，蒙受的損失將對業務部門是一個打擊。我建議這批貨從總價中削減百分之五十，我肯定說，是公平的。請你給予補貼，這款就用於將來向你們訂購罐頭水果時沖銷。

　　Tang: To be fair to your company, I am directed by my Shanghai Branch to settle this issue with you amicably on condition that you give us a certificate issued by your Health Department. Now that this is a available, I think everything will be in order.

　　唐：上海分公司給我提示，對於你公司辦事要公平，要和你友好解決問題，可是有一個條件，衛生檢疫所官員發的證書要給我們。現在證書已經有了，我想萬事俱備。

　　Palmer: I am so glad to hear of your ready agreement. Your fairness in business dealings is really unsurpassed. shall we send you a letter confirming this?

　　帕：聽到你這麼痛快地同意，我很高興。辦理業務這麼公平，真的誰也比不上你。我們將寄信給你證實這個協議，好嗎?

　　Tang: As soons as you send us a letter confirmning this conversation, we'll send you a reply immediately.

　　唐：你們寄出證實這次談話的信之後，我們立刻答覆。

　　Palmer: Thanks ever so much for your co-operation, Mr Tang. Good-bye.

　　帕：萬分感謝你的合作。唐先生，再會。

　　Tang: Good-bye Mr Palmer. Come over here when you are through with your business and we'll have a friendly chat.

　　唐：你辦完業務後就到這兒來，我們可以敘敘友情。帕麥先生，再見。