關於兌換日美元的金融英語

　　在日常生活中，我們能見到各種各樣的英語，可見英語的使用範文很廣。小編在此獻上金融英語，希望對大家有所幫助。

　　金融英語口語：特種儲蓄章程

　　Special Savings Plans

　　特種儲蓄章程

　　Situation 21

　　情景 21

　　Sally Berklin wants information about the Savings Bond plan at the First National Bank.

　　薩利·伯克蘭在第一國民銀行想得知一些有關儲蓄債券章程的資訊，

　　She is talking to the manager of the Savings Department .

　　她正在和儲蓄部門經理談話。

　　 do you mean about the Savings Bond plan?Is it possible for me to use that type of account ,too?

　　伯克蘭：您所說的儲蓄債券章程是什麼意思?我是否也能使用這種帳戶呢?

　　 course .We offer it to all our customers.Our Savings Bond program offers our highest rate of interest for long-term savers.

　　經理：當然可以，我們向所有顧客提供這種帳戶。我們的儲蓄債券章程對長期存款儲戶提供最高利率。

　　Actually ,they are certificates of deposit for maturities of six to ten years ,

　　實際上它們是定期為6到10年的存單，

　　and are available in any amount from $5,000 to $100,000.

　　存款額從5，000美元到100，000美元的任何定期存單。

　　B:Oh,they are only for people with lots of money .

　　伯克蘭：哦，這個章程只是為那些很有錢的人設立的。

　　M:Well ,actually you'd be surprised at the number of middle-income people who use this program ,especially retired people.

　　經理：實際上，相當多的中等收入的人特別是退休的人都用這種章程，您會對其使用人數之多感到驚奇。

　　You see ,we pay accumulated interest by bank check every quarter.

　　您看，我們每個委度都以銀行支票的形式向顧客支付累計利息，

　　So they are almost like an investment plan .

　　因此，這些存款幾乎就是一筆投資規劃。

　　B:That sounds very nice.But what if I have to cash in the Savings Bond before maturity?

　　伯克蘭：聽起來真不錯，但是如果我不得不提前兌現儲蓄債券怎麼辦?

　　M;Well,unfortunately ,you would incur a penalty ,as with any premature cancellation of a time deposit .

　　經理：很遺憾，就象提前支取定期存款一樣，您得接受一定罰款。

　　But we encourage customers not to buy Savings Bonds unless they are reasonably sure they can hold them until matuity .

　　但是，我們希望顧客們十分確信有把握直到期滿才支取存款，再來購買儲蓄債券。

　　B;They sound like an excellent investment idea,especially the advantage of receiving earned interest every three months .

　　伯克蘭：聽起來這是個極好的投資辦法，特別是每3個月就能得到利息的好處。

　　I'll consider placing some of my savings in Savings Bonds as soon as I save enough.

　　等我把錢攢夠了，我馬一考慮把我的一部分積蓄換成儲蓄債券。

　　金融英語口語：美元兌換日元

　　Changing Dollars to Yen

　　美元兌換日元

　　Situation 22

　　情景 22

　　Cyrus Morton is visiting Tokyo on his vacation.He stops into the Higashi Bank to change some dollars into yen .

　　休假期間，賽勒斯·莫頓在東京參觀遊覽，他步入東銀行，把一些美元兌換成日元。

　　 afternoon ,sir.May I help you ?

　　職員：午安，先生，我能為您做些什麼?

　　 .I want to get some yen notes for my stay in Japan .Can I buy them with American dollars?

　　莫頓：是的，謝謝。在我逗留日本期間，希望換些日幣，我可以用美元購買日幣嗎?

　　C;Yes,sir .We are an authorized foreign exchange bank and can change them for you .

　　職員：可以的，先生。我們是經批准的外匯銀行，能夠為您兌換貨幣。

　　M;Well,I have got $467.89 that I want to change .What's the exchange rate today ?

　　莫頓：那我，我想把476美元89美分兌換成日元，今天的兌換率是多少呢?

　　C:Today's rate for cash purchases is listed on this chart here.I can exchange the bills for you ,but we cannot take the coins.

　　職員：今天的現款購買兌換率列在這裡的這張圖表上，我可給您兌換紙幣，但是我們不收硬幣。

　　M:Oh,really ?Why not ?

　　莫頓：哦，真的嗎?為什麼呢?

　　C:We don't deal in coins ,sir .Usually ,we have very little request for coin exchange and it makes it difficult for us to maintain a supply of coins adequate to what may be needed .

　　職員：我們不買硬幣，先生。平時我們這裡很少需要兌換硬幣，這樣，就使我們很難確保存一批足夠的硬幣應付可能的需要量。

　　M;Oh,yes,I remember that was true in America ,too.I couldn't get any yen coins before I left .

　　莫頓：哦，是的，我記得在美國也是如此。看來，在我離開之前，可能是一點日本硬幣也弄不到了。

　　C:Our head office may keep a supply of coins ,but branches rarely do .So we just exchange the bills and make up any difference in Japanese coins.

　　職員：我們總行可能提供硬幣，但是分行很少有這樣做的。因此，我們只能兌換紙幣並用日本硬幣補齊差額。

　　Do you have your passport with you ?

　　您帶著護照嗎?

　　M:Yes,here it is .

　　莫頓：帶著，在這裡。

　　C:Well,please sign your name and local address on this exchange request .

　　職員：請把您的姓名、本地住址寫在這張兌換申請單上，

　　Also put down your passport number .I'll get your yen for you while you're filling this out .

　　還要寫上您的護照號碼。在您填寫時，我給您準備日元。

　　金融英語口語：日元兌換美元

　　Changing Yen to Dollars

　　日元兌換美元

　　Situation 23

　　情景 23

　　Goro Watanable is leaving for the United States and wants to buy some American dollars before he goes .

　　渡邊五郎準備前往美國，想在臨走前買些美元。

　　Watanable:I am leaving for the States tomorrow and will need some dollar currency with me when I arrive .

　　渡邊：我準備明天啟程去美國，在到達那裡時，我需要隨身帶些美鈔，

　　Can I get it here ?

　　我能在這裡買到美元嗎?

　　 much did you want to buy ?

　　職員：可以，先生，你想買多少?

　　W;Well,I think about $100 worth .I get traveller's checks the other day ,but I don't want to arrive in American without any cash .

　　渡邊：哦，我想要100美元左右。前幾天我已經辦理了旅遊支票，但是，我不想在到達美國時手頭無現金。

　　It's a real problem cashing a traveller's check when the airport is crowded .

　　機場上非常擁擠的時候，兌現旅遊支票是件很麻煩的事。

　　C:Yes ,that's true .Please fill out this request for foreign currency .On the purpose line ,just indicate travel.

　　職員：的確是這樣。請您填寫一下外幣申請表，在目的那一欄上只需說明旅遊就可以了。

　　W:What's the exchange rate today ?I can't understand this chart you have here .

　　渡邊：今天的兌換率是多少?我看不明白你們的這張圖表。

　　C:The figure under the listing for spot rate selling is the one you want .

　　職員：在現貨兌換率賣出的編目底下的那個數字就是您所需要的數字，

　　That means that rate for immediate delivery of cash .

　　它指的是現金的立即交付兌換率。

　　W;How come this so confusing ?What are these other rates listed?

　　渡邊：怎麼這麼令人費解呢?表中所列出的另外的那些兌換率是怎麼回事?

　　C:Well,the rate is different for different kinds of transaction .

　　職員：哦，不同種類的交易有不同的兌換率，

　　For example ,we don't buy or sell checks for the same rate as cash because of the transit time involved .

　　比如，我們買進或賣出支票與買進或賣出現金使用不同的兌換率，因為這裡涉及到轉寄時間的問題。

　　W:I remember one bank said over-the -counter rate.Is that the same?

　　渡邊：我記得有家銀行說過櫃檯兌換率，它與現貨兌換率意思一樣嗎?

　　C:It's the same as the spot rate for small transactions for the gengeral public .

　　職員：一般講櫃檯兌換率與小規模交易的現貨兌換率意思相同。

　　Some banks call it the over-the -counter rate for convenience .

　　某些銀行為方便起見，就稱後者為櫃檯兌換率。