金融英語(yǔ)口語(yǔ)情景對(duì)話常見(jiàn)練習(xí)
金融英語(yǔ)口語(yǔ)情景對(duì)話常見(jiàn)練習(xí)
學(xué)習(xí)金融英語(yǔ)，離不開提高英語(yǔ)口語(yǔ)能力，那么一些常用的金融英語(yǔ)口語(yǔ)都有哪些呢?下面學(xué)習(xí)啦小編為大家?guī)?lái)金融英語(yǔ)口語(yǔ)情景對(duì)話，歡迎大家學(xué)習(xí)!
金融英語(yǔ)口語(yǔ)情景對(duì)話一
D:Hi, Roy. How are your things going?
馬：嗨，羅伊，近來(lái)一切都好嗎?
R:Fine. Everything is going smoothly.
R：好，挺好。一切進(jìn)展順利。
D:This is Miss Harriet Smith, finance manager of A & P Corporation.
馬：這位是哈里.史密斯先生，A$P公司的財(cái)務(wù)經(jīng)理。
This is Mr. Roy Stanford.
這位是羅伊.斯坦福先生。
H:How do you do?
史：您好!
R:How do you do? I work in the international trade and banking division.
斯：您好!我在國(guó)際貿(mào)易與銀行業(yè)務(wù)部任職。
As you know, we're very much involved with many large American corporations dealing withinternational trade.
我們參與許多美國(guó)大公司的國(guó)際貿(mào)易事務(wù)。
H:Yeah. That's why I come here this afternoon.
斯：是啊，這正是我今天下午此行的目的。
R:What we're doing is actively and hopefully developing a relationship with large companiesincluding their subsidiaries or branches to ensure that we can provide all services they need.
斯：我們正在積極樂(lè)觀地與大公司以及它們的子公司或分支機(jī)構(gòu)建立業(yè)務(wù)聯(lián)系，以確保我們向他們提供各項(xiàng)服務(wù)。
H:Would you please be more specific?
史：請(qǐng)您具體談?wù)劇?/p>
R:Sure. We handle all types of letters of credit, and also advise if they should be irrevocable,
斯：可以，我們操作各類信用證，并且提供相應(yīng)的咨詢-例如建議哪些應(yīng)做不可撤銷信用證，
whether they should be confirmed, whether we would recommend them in certaincircumstances.
哪些信用證應(yīng)確認(rèn)，有些時(shí)候，我還要推薦適當(dāng)?shù)男庞米C。
And of course, we deal with documentary collections and so on.
當(dāng)然，我們也處理單據(jù)托收。
H:So your division is to ensure that its customers receive payment for the goods they expect.
史：因此，你們部負(fù)責(zé)確?？蛻艏皶r(shí)收到貸款。
R:That's where we can help an exporter like your corporate.
斯：對(duì)，是這樣。我們可以在托收貸款方面為像你們這樣的大公司提供服務(wù)。
You see, it can happen any time that an exporter has to wait two or even three years beforethey are able to obtain their money after they ship goods to a buyer abroad.
你想，有時(shí)候，出口商向國(guó)外發(fā)貨以后，要等到二年，甚至三年以后才能拿到貸款。這樣不愉快的事時(shí)有發(fā)生。
It could be of any reason. That's why we always hear people say that exporting is easy;
原因可以是各種各樣的，因此我們經(jīng)常可以聽到這樣的牢騷：出口容易，
it's getting paid that's the hard part.
要錢難。
H:I'm afraid it's the case we sometimes have to confront.
史：恐怕，我們公司也會(huì)不時(shí)地面臨這種尷尬的局面。
R:But of course, we're not all the time selling a service.
R：當(dāng)然，我們部并不總是客戶推銷我們的服務(wù)。
A lot of the time we give advice and solve problems to our customers.
大部分時(shí)間，我們給客戶一些參考意見(jiàn)并幫他們解決實(shí)際問(wèn)題。
H:What's a typical problem that you would expect a customer to come to you about?
史：一般情況下，客戶會(huì)帶著什么問(wèn)題來(lái)向你們咨詢呢?
R:For example, just recently we had one with a contract that was signed to supply somemachinery to a company in France.
斯：就拿最近的例子來(lái)說(shuō)吧。我們處理了一個(gè)向法國(guó)提供機(jī)械的合同。
H:What happened? And what role did you play?
史：怎么啦?你們?cè)谄渲杏职缪萘耸裁唇巧?
R:The contract was originally drawn in USD, but the French company was not permitted tocover forward for any length of time.
斯：當(dāng)初簽合同時(shí)，是以美元為計(jì)算單位的。但那家法國(guó)公司無(wú)權(quán)做任何時(shí)間范圍內(nèi)的期貨交易，
They would have to buy the necessary USD to pay the bill.
他們又必須買進(jìn)一定數(shù)目的美元付帳。
H:I see.
史：噢!
R:So we bought currency for the customer and our customer could then work out his price inFrench francs instead of US dollars.
斯：于是我們?yōu)檫@家法國(guó)客戶買進(jìn)了美元，這樣他們就可以用法郎而不是美元來(lái)計(jì)算貨款了。
H:Fine. OK, I think we've covered everything now, haven't we?
史：好，我想我倆已談得很詳盡了。
R:Yes, I think so. It was good of you to see me.
斯：是啊!很高興您來(lái)與我們商洽。
H:My pleasure. Thank you for answering me so many questions.
史：我也感到很愉快。謝謝您解答了我不少的疑問(wèn)。
I'm sure we'll buy your service in the near future.
我敢肯定，不久的將來(lái)，我們就要來(lái)“買”你們的服務(wù)項(xiàng)目了。
R:Thank you.
斯：謝謝。
金融英語(yǔ)口語(yǔ)情景對(duì)話二
E:We've seen the income before our coffee break; now let's look at the outgoings.
愛(ài)：我們?cè)诤瓤Х刃菹⒁郧翱吹搅吮拘械氖找媲闆r，現(xiàn)在再來(lái)看看支出情況。
V:What is the largest amount of money you spent in 1994?
代表：那么貴行1994年最大的支出項(xiàng)目是什么呢?
E:Obviously, the largest of these is staff costs.
愛(ài)：很明顯，支出中最大的一塊是員工開銷。
It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at theend of 1994.
1993財(cái)政年度為500美元，到1994年底，就增長(zhǎng)到6500萬(wàn)美元，
It covers forty-two per cent in the total group outgoings.
占了總支出的42%。
V:Why is the increase as large as eighteen per cent?
代表：為什么這部分支出的增長(zhǎng)率高達(dá)18%呢?
E:It is partly because of the increase in staff numbers required to deal with the expansion ofthe bank's fee-generating activities which I have just mentioned in the income section.
愛(ài)：這一方面是由于增加了職工人數(shù)，用于從事前面我所提到的增加服務(wù)傭金等工作。
V:How about doubtful debt provision and depreciation?
代表：那么壞帳充資金和折舊費(fèi)用呢?
E:Provisions for doubtful debts amounted to eight million dollars,
愛(ài)：壞帳抵充資金高達(dá)800萬(wàn)美元，
an increase of sixty per cent;
增長(zhǎng)了60% 。
while depreciation on leased assets and on premises and equipment decreased from sixteenmillion dollars to fifteen million dollars.
而租賃資產(chǎn)的折舊費(fèi)以及營(yíng)業(yè)大樓。設(shè)備的折舊費(fèi)則從1 600萬(wàn)美元降至1500美元。
V:Is depreciation calculated on a straight line basis?
代表：折舊費(fèi)是采用直線折舊法來(lái)計(jì)算的嗎?
E:Yes, that' how we calculate depreciation.
愛(ài)：是的，我們就是按照直線折舊法來(lái)算的。
V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts anddepreciation,
代表：除去員工費(fèi)用最大的一塊支出，以及壞帳準(zhǔn)備金及折舊費(fèi)之外，
how about expenses, on tax, dividends?
其它，如納稅和股票支出情況呢?
E:Tax, not much to say really. We paid five million dollars more than in 1993.
愛(ài)：稅，真的不必多說(shuō)。1994年這一財(cái)政年度，我們比1993年多交納稅多500萬(wàn)美元，
That is, we paid up to twenty-five million dollars in the financial year of 1994.
即達(dá)2 500萬(wàn)美元。
As for dividends paid to our shareholders,
我們支付給股東們的股息，
they remained unchanged over the previous fiscal year at five million dollars.
則與1993年底持平，均為500 萬(wàn)美。
V:How so?
代表：就這么多?
E:Because the major part of the year's profit was retained to expand our consolidated capitalbase.
愛(ài)：因?yàn)槲覀儧Q定保留1994年度大部分利潤(rùn)來(lái)擴(kuò)大我行的合并資本。
This was the first year in which our balance sheet footings passed the three billion dollars mark.
1994年是我們的資產(chǎn)負(fù)債表上累計(jì)超過(guò)30億美元的第一年。
V:In addition, is there any sharp increase in other costs?
代表：除此以外，其它費(fèi)用還有哪些部分增長(zhǎng)迅速嗎?
E:No. On the contrary, other expenses increased by only a little under seventeen per cent.
愛(ài)：沒(méi)有了。相對(duì)說(shuō)來(lái)，其它費(fèi)用只增長(zhǎng)了一點(diǎn)點(diǎn)，不到17%。
That's the smallest annual increase since 1989.
這是1989年以來(lái)支出年度增長(zhǎng)最少的一年。
Personally, I think it illustrates our determination to bring costs under control.
我個(gè)人的看法是：以上這些數(shù)字表明我們控制費(fèi)用增長(zhǎng)額度的決心。
V:What's your yearly profit after paying dividends to shareholders?
代表：扣除股東的股息，貴行的年利潤(rùn)有多少?
E:After allocation of the dividends, there remained a net undistributed balance for the year ofnine million dollars.
愛(ài)：支付完股東的股息后，剩下的非分配利潤(rùn)有900萬(wàn)美元，
The total amount was transferred to reserves to cover unexpected events.
用作應(yīng)付特別緊急的需要的儲(chǔ)備金。
V:So as your annual report indicates, all this adds up to total group outgoings of one hundredand fifty-five million dollars.
代表：所以說(shuō)，正如你們的年度報(bào)表寫明的，貴行支出總額為1.55億美元。
E:Yes,the figure of total group outgoings exactly balances out with the total income.
愛(ài)：對(duì)，這部分支出額與總收入相平衡。
V:Now, we have a clearer picture of the source of income and the application of income foryour bank in 1994 compared with 1993.
代表：到現(xiàn)在為止，我們對(duì)貴行1994年度的收入及其使用情況，以及與1993年的對(duì)比情況，都有了清晰的了解。
金融英語(yǔ)口語(yǔ)情景對(duì)話三
E:I'm glad to give you some information about my bank.
愛(ài)：很高興能有機(jī)會(huì)與中國(guó)同行談?wù)劚拘械挠嘘P(guān)業(yè)務(wù)狀況。
The diagram in your hand is a copy of our last annual report.
各位手里拿的正是我公司去年的年度報(bào)告。
V:Yes, it gives key figures relating to your bank's activities and financial performance during1994.
代表：正是，這份報(bào)表已列出了1994年度貴行的各項(xiàng)經(jīng)營(yíng)業(yè)務(wù)及財(cái)務(wù)狀況的關(guān)鍵數(shù)據(jù)。
Dr. Edwards. Would you please first give us a very short description of your performance lastyear?
愛(ài)德華茲博士，您能否用最簡(jiǎn)短的話概括一下貴行去年的經(jīng)營(yíng)狀況?
E:Fine. As of December 31st 1994, the Northland's ZB Bank Corporation was the sixth largestin USA,
愛(ài)：很樂(lè)意。到1994年12月31日為止，本銀行-北方ZB銀行集團(tuán)，名列美國(guó)第六名。
based on stockholders' equity, and the seventh largest based on deposits.
第六名是按照股本產(chǎn)權(quán)來(lái)統(tǒng)計(jì)的。如按銀行存款額來(lái)統(tǒng)計(jì)，則名列全美國(guó)第七。
The bank has more than 980 offices around the world.
目前本銀行有980個(gè)辦事處分布在全球各地。
V:You have an office in Beijing, don't you?
代表：你們?cè)诒本┮灿修k事處吧?
E:Yes, that's right. Actually, we have three offices in China.
愛(ài)：是啊!在中國(guó)我們目前有3個(gè)辦事處。
We established our offices first in Beijing, then in Shanghai and in Guangzhou.
第一個(gè)我們?cè)O(shè)在北京，接著在上海及廣州也設(shè)立了辦事處。
We're thinking of opening another two in Tianjin and Suzhou next year.
我們正考慮明年在天津和蘇州各設(shè)一個(gè)辦事處。
V:That's terrific. I'm from Suzhou, which is developing rapidly.
代表：太巧了。我是蘇州人。蘇州發(fā)展非?？焖佟?/p>
E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
愛(ài)：真的啊!我希望我們能抽出空談?wù)勌K州的金融狀況。
V:I'd like to if I can be of any help.
代表：能對(duì)您有用的話，我很樂(lè)意的。
E:Now, let's begin with income of our bank last year.
愛(ài)：現(xiàn)在我來(lái)說(shuō)說(shuō)本行去年的收益狀況。
V:Your total group income in 1994 amounted to one hundred and fifty-five million US dollarscompared with one hundred and thirty-five million US dollars for fiscal 1993.
代表：貴行1994年總收入為1.55億美元,而1993年則為1.35億美元，
That's an increase of...
增長(zhǎng)了....
E:Of nearly fifteen per cent over the year before last,
E：差不多增長(zhǎng)了15%，
a rate of increase slightly above that of recent years.
是最近幾年增長(zhǎng)率較高的一年。
V:Your net interest earning at the end of 1994 reached ninetynine million dollars.
代表：你們1994年底投資收益達(dá)到9 900萬(wàn)美元。
E:That's exact good news for us. In the financial year 1994,
愛(ài)：對(duì)我們來(lái)說(shuō)，是相當(dāng)令人振奮的。在1994年這個(gè)財(cái)政年度里，
interest received amounted to six hundred and fifteen million dollars and interest paid to fivehundred and sixteen million.
利益收入達(dá)到6.15億美元,而支付的利息為5.16億美元。
V:So, that's almost ten per cent up over the 1993 figure.
代表：這樣說(shuō)來(lái)，這個(gè)數(shù)目比1993年增長(zhǎng)了約10%。
E:Yes, the net interest income is pretty satisfactory indeed,
愛(ài)：是呀，這個(gè)凈利潤(rùn)令我們非常滿意，
in what is, as you know, an intensely competitive market.
正如大家所知道的那樣，這是個(gè)競(jìng)爭(zhēng)非常激烈的市場(chǎng)。
V:Oh, you also achieved a significant increase in non-interest income.
代表：噢，你們?cè)诜抢⑹杖脒@一塊也獲得了很大的收益。
E:Yes, our non-interest income increases from forty-six million in 1993 to fifty-six million dollarsat the end of the fiscal year 1994.
愛(ài)：是啊，我們的非利息收入從1993年的4600萬(wàn)美元增長(zhǎng)到1994年底的5 600萬(wàn)美元。
You know, a part of the bank's policy is to limit dependence on net interest as a source ofincome and to develop its fee and commission earning activities.
大家都知道，本行的政策之一就是不僅僅是依靠貸款獲利，更重要的是應(yīng)當(dāng)通過(guò)其它方式，如賺取服務(wù)費(fèi)，傭金等方式來(lái)增加本行的收益。
So 1994 income in this area accounted for a two per cent higher contribution to total incomethan was the case in 1993.
因此，與1993年相比，這部分的收益占本行總收入的比重增長(zhǎng)了兩個(gè)百分點(diǎn)。
V:Yes, this is really an encouraging trend since the economic environment in general ischanging.
代表：對(duì)呀。正因?yàn)榭偟慕?jīng)濟(jì)環(huán)境在變化，這真是一個(gè)令人鼓舞的發(fā)展趨勢(shì)。
It also shows your response to the sensitivity of interest rates in particular.
銀行利率的升降特別敏感，但貴行卻能調(diào)整對(duì)策，作出及時(shí)的反應(yīng)。
E:Due to non-interest income of fifty-six million dollars,
愛(ài)：由于1994年的非常利息收入有5600萬(wàn)美元，
our total group income in 1994 was twenty million dollars higher than the pervious financialyear.
與1993年相比，我們銀行1994年財(cái)政年度的總收入增加了2000萬(wàn)美元。
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