金融英語口語

　　下面是學(xué)習(xí)啦小編整理的金融英語口語，希望對大家有幫助。

　　金融英語口語：如何匯報你的工作進(jìn)度

　　1. How's the project going?

　　項目進(jìn)展得怎么樣?

　　2. Great! We're way ahead of schedule.

　　非常好!我們要提前完工了。

　　3. We're right on target.

　　我們正按計劃進(jìn)行。

　　4. Well, frankly, we're running a little behind.

　　坦白地說，我們有點落后了。

　　5. Folks, we're behind the eight-ballin meeting our sales target. Let's speed things up.

　　兄弟們，我們都快完不成銷售目標(biāo)了。我們得抓緊啊。

　　6. It’s 70% done.

　　已經(jīng)完成70%了。

　　7. It'll be completed on time.

　　會按時完成的。

　　8. We're halfway there.

　　我們已經(jīng)完成一半了。

　　9. Have the milestones been identified for the new project?

　　新項目的關(guān)鍵活動都已經(jīng)確定了嗎?

　　10. What delivery date are we looking at?

　　什么時候交貨?

　　11. There must be no further delays. The drop-dead date/deadline is next Friday's close of business.

　　不能再推遲了，最后期限是下周五下班的時候。

　　12. Were approaching the critical point for success or failure of this project.

　　金融英語口語：幾個描述經(jīng)濟情況的句子

　　How can we make the economy more vibrant?

　　我們怎樣才能使經(jīng)濟更有活力?

　　Inflation leads to more unemployment.

　　通貨膨脹導(dǎo)致更多人失業(yè).

　　Inflation hurts the poor more than the rich.

　　通貨膨脹傷害的是窮人而不是富人.

　　They haven't done anything to stimulate new jobs.

　　他們沒有做過任何能刺激新的就業(yè)機會的事情.

　　What about inflation?

　　如果出現(xiàn)通貨膨脹怎么辦?

　　We need more jobs.

　　我們需要更多的就業(yè)機會.

　　We're headed for a recession.

　　我們正走向衰退.

　　The trade deficit is getting larger.

　　貿(mào)易赤字越來越大

　　金融英語口語：Trade Finance

　　New Words

　　新單詞

　　multinational adj.

　　跨國的

　　subsidiary adj.

　　附屬的

　　irrevocable adj.

　　不可撤銷的

　　confirm v.

　　確認(rèn)，使有效

　　circumstances n.

　　情況，環(huán)境

　　confront v.

　　面對

　　Phrases & Expressions

　　clearing bank

　　清算銀行

　　documentary collection

　　跟單托收

　　D:Hi, Roy. How are your things going?

　　馬：嗨，羅伊，近來一切都好嗎?

　　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 with international trade.

　　我們參與許多美國大公司的國際貿(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 companies including their subsidiaries or branches to ensure that we can provide all services they need.

　　斯：我們正在積極樂觀地與大公司以及它們的子公司或分支機構(gòu)建立業(yè)務(wù)聯(lián)系，以確保我們向他們提供各項服務(wù)。

　　H:Would you please be more specific?

　　史：請您具體談?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 certain circumstances.

　　哪些信用證應(yīng)確認(rèn)，有些時候，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收到貸款。

　　R:That's where we can help an exporter like your corporate.

　　斯：對，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 before they are able to obtain their money after they ship goods to a buyer abroad.

　　你想，有時候，出口商向國外發(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，我們公司也會不時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.

　　大部分時間，我們給客戶一些參考意見并幫他們解決實際問題。

　　H:What's a typical problem that you would expect a customer to come to you about?

　　史：一般情況下，客戶會帶著什么問題來向你們咨詢呢?

　　R:For example, just recently we had one with a contract that was signed to supply some machinery to a company in France.

　　斯：就拿最近的例子來說吧。我們處理了一個向法國提供機械的合同。

　　H:What happened? And what role did you play?

　　史：怎么啦?你們在其中又扮演了什么角色?

　　R:The contract was originally drawn in USD, but the French company was not permitted to cover forward for any length of time.

　　斯：當(dāng)初簽合同時，是以美元為計算單位的。但那家法國公司無權(quán)做任何時間范圍內(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 in French francs instead of US dollars.

　　斯：于是我們?yōu)檫@家法國客戶買進(jìn)了美元，這樣他們就可以用法郎而不是美元來計算貨款了。

　　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。

　　I'm sure we'll buy your service in the near future.

　　我敢肯定，不久的將來，我們就要來“買”你們的服務(wù)項目了。

　　R:Thank you.

　　斯：謝謝。

　　金融英語口語:TimeDeposit

　　New Words

　　新單詞

　　anxious adj.

　　擔(dān)心的，焦急的

　　available adj.

　　可用的，可得到的

　　option n.

　　選擇權(quán)

　　maturity n.

　　(票據(jù)等的)到期

　　emergency n.

　　緊急

　　mature v.

　　到期

　　Phrases & Expressions

　　短語

　　regular savings account

　　普通儲蓄帳戶

　　time deposit

　　定期存款

　　time certificate of deposit

　　定期存款單

　　the stated interest return

　　規(guī)定所歸還的利息

　　W:Liu Bing, I have two thousand yuan for the cost of this term,

　　王琳：劉萍，我從家?guī)?000元供這一學(xué)期的生活費，

　　enough to last from now until summer vacation.

　　維持到暑假看來已足夠。

　　I feel anxious about carrying around such a large sum. What should I do?

　　帶著這么多錢我覺得不放心，我該怎么辦?

　　[00:34.95]L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.

　　劉萍：讓我想想。你可以拿其中一半作為活期存款，另一半作為定期存款。

　　W:That's a good idea. Will they earn a similar rate?

　　王琳：這主意很好。那么存款利率是否一樣呢?

　　L:The interest rate for time deposits is much higher than regular savings account.

　　劉萍：定期存款的利率要比活期存款高得多。

　　W:How long do I have to keep the money in the account?

　　王琳：那么我的定期存款應(yīng)該多長呢?

　　L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.

　　劉萍：儲蓄所在在大多數(shù)情況下備有三種定期存款，即分三個月，半年和一年。

　　They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.

　　另外，他們還提供2年，3年，5年或10年的長期定期存款。

　　W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?

　　王：對我們來說，短期存款合適。是否存款時間越長利率也就越高呢?

　　L:Yes, of course. It would seem that three month time deposits are the best option for you.

　　劉：是的，那當(dāng)然啦?？磥韺δ銇碚f三個月的定期存款是最好的選擇。

　　W:I agree with you. Tomorrow, let's go to the bank to deposit my money.

　　王：我同意你的看法，明天咱們倆就去銀行存款。

　　L:Yes, I want to deposit mine, too.

　　劉：好，我自己也要去存款。

　　W:What maturities are the most popular?

　　王琳：哪一種期限最普遍?

　　L:Most people use the six or twelve-months plans, of course,

　　L：大部分人都選用半年或一年的期限。當(dāng)然啦，

　　they may renew the certificate on maturity if they wish.

　　到期后人們還可以續(xù)存。

　　W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?

　　王：假如存款人由于急用要提前取款，那又如何處理呢?他能否把款提出呢?

　　L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.

　　劉：當(dāng)然可以，在必要的情況下可以在到期之前提前取款。

　　W:What will happen?

　　王：那情況會怎樣?

　　L:He just won't receive the stated interest return.

　　劉：他就不能拿到預(yù)先規(guī)定的定期利息。

　　W:What a loss!

　　王：那真可惜!

　　L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period.

　　劉萍：所以你想要獲得較高的利息就不要在到期之前提取存款。

　　W:Good idea.

　　王：好主意。

　　金融英語口語：The History

　　New Words

　　新單詞

　　Babylon n.

　　巴比倫(古代巴比倫王國首都)

　　temple n.

　　廟宇，專供某種活動場所

　　(the) Renaissance n.

　　文藝復(fù)興，

　　ancient adj.

　　古代的

　　Greece n.

　　希臘

　　breakup n.

　　分裂，崩潰

　　decline n.

　　下降，衰落

　　usury n.

　　高利貸，高利

　　illegal adj.

　　不合法的;非法的

　　Belgium n.

　　比利時

　　function n.

　　功能，作用

　　complex adj.

　　復(fù)雜的

　　especially adv.

　　特別地

　　expand v.

　　擴大

　　partially adv.

　　部分地

　　Venice n.

　　威尼斯(意大利港市)

　　semi-public adj.

　　半公立的

　　Phrases & Expressions

　　Roman Empire

　　羅馬帝國

　　emerge from

　　出現(xiàn)，冒出

　　feudal system

　　封建體制

　　Middle Ages

　　中世紀(jì)

　　bill of exchange

　　匯票

　　regulatory function

　　常規(guī)作用

　　Z:Good afternoon!

　　張：下午好!

　　A:Good afternoon!

　　全體：下午好!

　　Z:Today I'll introduce something about the history of banking in the west.

　　張：今天我要講點西方銀行史。

　　Well, that's very interesting, the earliest banks started in Babylon almost 4 000 years ago.

　　這是很有意思的，最早的銀行大約是四千年前在巴比倫建立的。

　　They were really temples which collected deposits and made loans.

　　實際上，那些銀行只是一種收集存款并進(jìn)行的放款的場所。

　　S1:I see, but I had always thought that banking started during the Renaissance in Europe.

　　學(xué)1：我明白了，但我原來一直以為銀行業(yè)務(wù)始于歐洲文藝復(fù)興時期。

　　N:No, it was much earlier than that. Then, there were banks in ancient Greece and Rome, too.

　　周：不，比那個時期早多了。古希臘和羅馬都有許多銀行，

　　It wasn't until the breakup of the Roman Empire and the decline in trade and commercial transactions that banking lost its previous importance.

　　直到羅馬帝崩潰和商貿(mào)業(yè)務(wù)的衰落，銀行業(yè)才失去了它以往的重要性。

　　S2:What about the laws against usury during the Middle Ages?

　　學(xué)2：中世紀(jì)時，放禁止放高利貸是怎么回事?

　　Didn't such laws make it illegal to charge interest on loans?

　　這些法律沒有規(guī)定貸款收取利息是非法的嗎?

　　Z:Yes, they did, but these laws were gradually changed during the 14th and 15th centuries and banking functions started appearing again in Italy and Belgium and later in France,

　　周：是的，規(guī)定了，但是這些法律在14，15世紀(jì)時逐步地改變了，銀行的作用又在意大利和比利時開始出現(xiàn)，后來又在法國，

　　Germany and England.

　　德國和英國。

　　S3:So we can really say that banking restarted during the Renaissance.

　　學(xué)3：所以實際上我們可以說，銀行業(yè)在文藝復(fù)興時期又重新開始了。

　　Z:You are right. We can easily see the need for the development of the banks during that period.

　　張：對的。顯而易見，銀行的發(fā)展正是出于那個時期的需要。當(dāng)歐洲從中世紀(jì)封建制度的禁錮中掙脫出來時，

　　Commercial and financial transactions had once again started to become more complex as Europe emerged from the feudal system of the Middle Ages.

　　商業(yè)和金融交易再一次開始變得復(fù)雜起來了。

　　S4:Could you tell us more in detail?

　　學(xué)4：您能說得再具體些嗎?

　　Z:Yeah. For one thing, many banks started that way, especially in France and England,

　　周：是的。一方面很多銀行就是這樣興起的，特別是在法國和英國。

　　but they gradually expanded their activities to handling deposits and loans,

　　可是他們逐漸地擴展他們的經(jīng)營活動，發(fā)展到從事儲蓄，貸款，

　　issuing and trading bills of exchange and even issuing their own notes;

　　發(fā)行和買賣匯票，甚至發(fā)行他們自己的貨幣。

　　for another thing, they started the fractional reserve system which is the central feature of modern banks.

　　另一方面他們開始建立起部分儲備制度，而這一點正是現(xiàn)代銀行的主要特征。

　　S5:When did the idea of central banks get started?

　　學(xué)5：建立中央銀行的想法是什么時候開始的?

　　Z:Well, the first bank that was partially owned and controlled by a state government was established in Venice in 1587.

　　張：哦，第一個由國家政府部分擁有和控制的銀行是1587年在威尼斯建立起來的。

　　Then, the bank of England appeared. We could call them semi-public.

　　后來英格蘭銀行出現(xiàn)。我們稱這種銀行為半公立銀行。

　　As a matter of fact, the central banks with specific regulatory functions were created in the middle of 19th century. OK, we call it a day.

　　事實上在19世紀(jì)中葉具有明確常規(guī)作用的中央銀行已建立起來。好吧!下課。

　　A:Good-bye!

　　全：再見!