1、银行分行营业部柜员英语培训手册银行分行营业部柜员英语培训手册随着全球经济一体化的发展以及我国金融机构持续的海外拓展，许多外籍人士已经参与到我们的社会生活当中。可以预见，在未来将会有越来越多的外籍人士来到中国，对金融服务的需求也会越来越丰富。所以提高柜员综合素质，尤其是提高柜员外语听说能力迫在眉睫。作为世界各国通用语言的英语由于其特殊的地位，是我们外语能力提升的主要语种。参照银行柜台业务的实际流程，依据英语教学的内容，进一步满足提高柜员英语听说能力的需要，本行收录了银行业务流程中可能涉及到英语对话的部分内容，用于辅助英语教学，旨在提高柜员的业务素质和专业英语水平。第一部分 必备词汇一般用语开户与
2、存款外币兑换汇款旅行支票信用卡第二部分 常用句型问候、招呼提供服务引导相关柜台送别答谢询问开立账户请出示有关文件或证明告诉汇率、利率是多少需要何种票面现金请客户稍作等候询问存入（取出）多少钱？起存金额要求指导客户填单收取正常费用树立银行形象第三部分 情景对话迎候客户光临指引方向开户与存款货币兑换购买外汇第一部分 必备词汇数字one num. 一two num. 二three num. 三four num. 四five num. 五six num. 六seven num. 七eight num. 八nine num. 九ten num. 十hundred num. 百thousand num.
3、千million num. 百万billion一般用语counter n. 柜台 account n. 计算、账目 greeting n. 问候、祝贺inquiry n. 询问 apology n. 道歉suggestion n. 提议 pleasure n. 乐趣、愿望fault n. 过错、缺点 forgive vt. 原谅、饶恕matter n. 事件、物质、内容、原因 vi. 有关系、要紧guide n. 领路人、向导、导游 vt. 带领、指导moment n. 片刻charge n. 费用, 主管, 掌管 vt. 收费commission n. 委任, 委托, 代办(权), 代理(权
4、), 犯(罪), 佣金deduct vt. 扣除separate adj. 分开的, 分离的, 个别的, 单独的 v. 分开, 隔离, 分散, 分别note n. 笔记, 短信,注解,票据, 纸币 vt. 注意, 记录, 笔记counterfeit n 赝品, 伪造品 adj. 伪造的, 假冒的 vt. 伪造, 假冒relevant adj. 有关的, 相应的regular adj. 规则的, 有秩序的, 经常的 adv.经常地 forge v. 稳步前进, 铸造, 伪造confiscate vt. 没收, 充公, 查抄, 征用 adj. 被没收的 receipt n. 收条, 收据, 收到
5、v. 收到straight adv. 直, 直接, 一直advice n. 忠告, 建议, 商通知cooperation n. 合作, 协作percent n. 百分比, 百分数intend vt. 想要, 打算, 意指, 意谓separately adv. 个别地分离地technical adj. 技术的, 技术上的, 技巧方面的individual n. 个人, 个体urgent adj. 急迫的, 紧急的denomination n. 命名representative n. 代表adj.典型的, 有代表性的equivalent adj. 相等的, 相当的, 同意义的n.等价物, 相等物开
6、户与存款cash n. 现金 vt. 兑现deposit n. 沉淀物, 存款, 押金, 保证金 vt. 存放, 堆积 vi. 沉淀withdraw vt. 收回, 撤消 vi. 缩回, 退出 interest rate n. 利率 annual adj. 一年一次的, 每年的, 一年生的current deposit 活期存款 fixed deposit 定期存款 fill vt. 装满,充满, 填充 vi. 充满 n. 满足, 饱, 充分, 填方form n. 形状, 形态, 外形, 表格, 形式 v. 形成, 构成, 排列, (使)组成duplicate adj. 复制的, 副的, 两重
7、的, 两倍的, 完全相同n. 复制品, 副本vt. 复写, 复制, 使加倍, 使成双sign n .标记, 符号, 记号, 征兆, 迹象, 征候 v. 签名(于), 署名(于), 签署dot n. 点, 圆点, 园点 vt. 在.上打点frame n. 结构, 画面,框架balance n. 秤, 天平, 平衡, 商 收支差额, 结余, 余额v. 平衡, 称, 权衡, 对比, 结算n. 资产平稳表minimum adj. 最小的, 最低的 n. 最小值, 最小化original adj. 最初的, 原始的, 独创的, 新颖的 n. 原物, 原作initial adj. 最初的, 词首的, 初始
8、的 n.词首大写字母passport n. 护照Identity Card n. 身份证件effective adj. 有效的certificate n. 证书, 证明书 vt. 发给证明书, 以证书形式授权给.外币兑换exchange vt. 交换, 调换, 兑换, 交流, 交易 n. 交换, 调换, 兑换, 交流, 交易exchange rate n. 兑换比率exchange memo n. 兑换水单 memo 备忘录currency n. 流通货币汇款remittance n. 汇款, 汇寄之款, 汇款额SAEC （State Administration of Exchange Co
9、ntrol）国家外汇管理局approval n. 赞成, 承认, 正式批准reference n. 提及, 涉及, 参考, 参考书目, 证明书(人), 介绍信(人)convert vt. 使转变, 转换. reconvert v. (使)恢复故态krone 克朗peso 比索bath 泰铢rupee 卢布aboard adv. 在船(飞机、车)上, 上船(飞机、车)prep. 在(船、飞机、车)上, 上(船、飞机、车)order n. 顺序,秩序,会议规则,命令, 定购, 定单vt. 命令, 定购, 定制differ from vi. 不一致, 不同旅行支票travellers check n
10、. 旅行支票sign n. 标记, 符号, 记号, 征兆, 迹象, 征候v. 签名(于), 署名(于), 签署countersign n. 复签beforehand adv. 预先presence n. 出席, 到场, 存在purchase vt. 买, 购买 n. 买, 购买authorization n. 授权, 认可issuing bank n. 出票行agreement n. 同意, 一致, 协定, 协议信用卡credit card 信用卡application n. 请求, 申请, 申请表, 应用 photocopy n. 影印 v. 影印license n. 许可(证), 执照 v
11、t. 许可, 特许 v.许可valid adj. 有效的, 有根据的, 正当的, 正确的expiration n. 满期 overdraft n. 透支, 透支之款项depend on vi. 依靠, 依赖accepting bank n. 承兑行contact with v. 与联系cancel v. 注销英语语法简介句子成分一个句子皆由两个部分组成，即主语部分（subject group）与谓语部分（predicate group），如:My brother teaches English at a language school.句子中的my brother即是主语部分，teaches
12、English at language school即是谓语部分。句子由各个句子成分构成。句子成分分为7种：1）主语（subject）它是一句的主体，使全句所述说的对象，常由名词或相当于名词的词担当，置于句首，如：The train leaves at six oclock.2）谓语或谓语动词（predicate verb）它是述说主语的动作或状态的，常由动词担任，置于主语之后，如：The house faces south.3）表语（predicative）它是表述主语的身份或特征的，常由名词或形容词担任，置于连系动词之后，如：Brown is a comedian.Its fine tod
13、ay.4）宾语（object）它是表示及物动词的动作对象和介词所联系的对象的，常由名词或相当于名词的词担任，置于及物动词或介词等之后，如：I received a letter yesterday.Do yuou have coffee with your breakfast?5）定语6）状语7）补语句子句子（sentence）是具有主语部分和谓语部分并有完整意义的可以独立的一组词。在英语里，句子的基本结构有下列6种，较常用和简单的有：1）主语+谓语（SV），如：Day dawns.2）主语+连系动词+表语（SLP），如：Toms father is a professor.3）主语+谓语+宾
14、语（SVO），如：Ruth understands French.第二部分 常用句型问候、招呼1、Good morning.2、Good afternoon.3、How do you do ?4、How are you ?提供服务5、May I help you ?6、What can I do for you ?引导相关柜台7、Please follow me.8、Come with me, please.9、Please come this way.答谢10、Thank you for your advice.11、Thank you for your cooperation.12、Tha
15、ts very kind of you to do (say) so.送别13、You are welcome.询问开立账户14、What sort of account would you like?15、What kind of account are you going to open?请出示有关文件或证明16、Would you mind showing me your passport?17、Could I have your passport, please?18、Passport, please?告诉汇率、利率是多少19、Todays exchange rate of RMB t
16、o USD is 620 yuan to 100 dollars.20、The annual interest rate is 3.5 per cent.需要何种票面现金21、How shall I give it to you ?22、What would you like for your money ?请客户稍作等候23、One moment, please.24、Please wait a little while.25、Just a moment, please.询问存入（取出）多少钱？26、How much do you want to place to your account?
17、27、How much do you want to take from your account?起存金额要求28、The minimum amount is one yuan.指导客户填单29、Please sign your name on this full line(实线). 30、This is an exchange memo（外汇兑换水单）. Please fill in your name, passport number, your nationality and the amount you intend to change.31、Please fill in this
18、application（申请） form and sign your name.收取正常费用32、You will have to pay the charge for the TT.（telegrahic transfer电汇）33、The charge for TT is RMB180.34、At your request, we deduct it from the remittance（汇款）.调解纠纷35、How do you do ? Im the service manager. Would you please have a talk with me about it?36、W
19、ell, please calm down, I think there is nothing serious and I will try to help you with the problem. Come with me, please.37、were terribly sorry for this misunderstanding, but can I ask your cooperation and understanding ?树立银行形象38、Well, were not only the closest bank, but were also the most modern a
20、nd convenient bank in the whole block.39、Would you like to leave your contact telephone number with us, so that I can give you a call as soon as problem is solved for you.40、Ill contact you within the next few days. This is my business card, if you have other questions, please feel free to call me.
21、第三部分 情景对话迎候客户光临AT: Good morning, Sir. What can I do for you ?C: Good morning, Id like to remit some money to the USA, but Ive got no idea how to do it.T: OK. Look, thats handled over there at counter with the sign “Outward Remittance”. Please follow me.C: Thank you.T: Thats all right.AT：早上好，先生。请问你要办
22、理什么业务？C：早上好。我想汇些钱到美国，可是我不知道怎么办？T：瞧，就在那边标有“汇出汇款”的柜台办理，请跟我来。C：谢谢你。T：没关系。BT: Hello, Sir. What can I do for you ? Youre looking very worried.C: I am. I have to withdraw my money in ten minutes, or I cant catch my plane. But you see, therere still three persons in front of me. I dont know what to do for
23、such a hurry. T: OK, please dont worry. Let me help you with your business. (to other customers) Im sorry to bother you now, gentlemen. But this young man is in a hurry. Hes going to catch the plane. Would you mind if we do his business before your turn?C: No problem, please go ahead.T: Thank you ve
24、ry much for your cooperation. ( to the worried customer ) Please.C: ( to the customers) Thank you very much.( to the service manager) Thank you.T: Dont mention it. My pleasure.BT：你好，先生。请问办理什么业务？你看上去挺着急的。C：是的。我必须在10分钟之内办好取款业务，否则我就赶不上飞机了。可是，你瞧，我前面仍有三个人，我不知道如何才能快点办完。T：好吧，请别着急。让我帮你办好此事。（面对其他客户）很抱歉打搅你们。这
25、位年轻人有急事，他要赶飞机。请不要介意我们提前给他办理业务，好吗？C：没问题，请尽管办理就是。T：非常感谢大家的合作。（对焦急的客户）你请吧。C：（对其他客户）非常感谢。（对大家经理）谢谢你。T：别客气。应该的。指引方向T: Good morning, Sir. May I help you?C: Could you tell me how to get to the International Business Department?T: Certainly. Please go straight this way until the end. Then take the lift to t
26、he fourth floor.C: Thank you.T: You are welcome.指引方向T：先生，早上好，请问你要办理什么业务？C：你能告诉我到国际业务部怎么走吗？T：当然可以。请一直往前走直到尽头，然后乘电梯到四楼。C：谢谢。T：不用谢。开户与存款AT: Good afternoon, Sir. May I help you?C: Yes, please. Id like to open a saving account. Will you tell me how to do it ?T: Certainly, sir. Im so glad to help you. Usu
27、ally, we offer a current deposit account and a fixed deposit account for an individual. What kind of account would you like to open?C: Could you tell me the difference between them?T: Yes, of course. If you open a fixed deposit account, youll have a deposit certificate in the name of the depositor.
28、And the interest rate is higher for it.C: Then, how about the current deposit account?T: The current deposit account takes the form of a Passbook. You may withdraw the money at any time and, you just need to present your passbook. C: Id rather open a current deposit account, then.T: Please go to cou
29、nter No. 1 for service with your passport, and use your real name for your account.C: Thank you very much.T: You are welcome.开户与存款AT：先生，下午好。请问你要办理什么业务？C：是的，我想开一个储蓄账户，你能告诉我怎样办理吗？T：好的，我很高兴为你服务。我们通常对个人提供活期存款和定期存款两种账户，你想开哪一种？C：你能告诉我它们之间的区别吗？T：当然可以。如果你开一个定期账户，你就会有一张以存款人名字开立的存款单，定期利率要高一些。C：那么活期账户呢？T：活期账户采
30、用存折的形式，你可以随时取款，你只需出示存折。C：我开个活期账户吧。T：请到1号柜台，并在你的账户上使用你的真实姓名。C：非常感谢。T：不客气。BT: How do you do ? What can I do for you ?C: Would you please tell me the current interest rate for such a us dollar deposit?T: Certainly, Sir. The Electronic Bulletin Board on the wall will give you all the up-to date interest rates and exchange rates. C: Where is it?T: You see , its over there. Com
