常用的金融英語口語對話帶翻譯
提高英語口語能力，是學習金融英語的一個重點環節，下面本站小編爲大家帶來常用的金融英語口語對話，歡迎大家學習!
T:We are happy to have Mr. David Long here with us today.
教：今天我們很高興地請到了英國某商業銀行的大衛.朗先生。
Mr. Long is from a merchant bank in Britain. He will be talking about the organization of hisbank.
朗先生給大家介紹一下他所在銀行的組織體系。
L:I feel honoured to be talking with you today. I'd like to begin with your questions.
朗：我今天非常榮幸地與大家在一起聚談聚談。我希望同學們現在就提問。
S:Where is your bank located?
學：請問貴銀行位於什麼地方?
L:In London, the capital of Britain.
朗：倫敦，英國的首都。
S:Could you give us a brief overview of your bank's history?
學：您能給我們講講貴銀行的歷史概況嗎?
L:Yes, of course. We were established as long ago as 1869.
朗：當然行啦!我們的銀行早在1869年就有了。
Now, it is being operated as one of the major merchant banks in the City.
現在它是倫敦幾家最重要的商業銀行之一了。
S:How is your bank organized?
學：請問貴行是如何組成的呢?
L:Well, that is really a big question.
朗：啊，這可是一個很大的問題呀!
S:Let me put it in this way. How many divisions are there in your bank?
學：我就這麼問吧。請問貴行有多少部門?
L:All together, there are six large divisions. They are Administration Division,
朗：總共分六大部門。分別是：行政管理部，
Investment Management Division, Banking Division, Corporate Finance Division,
投資管理部，銀行營業部，公司財務部，
Dealing Division and the last one, Leasing Division. Now, let me explain them one by one.
證券交易部以及最後一個租賃部。現在，我就逐個來作一些解釋說明。
First, Alministration Division. It looks after all administrative matters, such as planning,
首先是行政管理部，該部負責管理事務，諸如計劃制定，
group financial control, accounting and audit, computer services, legal services and so on.
集團財務控制，會計及審計，計算機服務，法律顧問等等事務。
S:Is that what we call cost centre services?
學：這是不是我們通常所稱的“成本中心服務”呢?
L:Yes, you are right. That's cost centre services. And then, there's the Banking Division.
朗：是的，你說得對!這正是成本項目服務，接下來，就是銀行營業員，
This is easy to understand, right?
這不難解理吧!
S:You mean, as in China, the Banking Division in your bank deals with loans, overdrafs,
學：您的意思是，就像中國的銀行那樣，貴行的該部門專門處理貸款呀，透支呀，
documentary credits and correspondent banking?
書面信貸啦等相應的銀行業務?
L:Just the same. Now, let's talk about Dealing Division. The activities of Dealing Division includeforeign exchange,
朗：正是如此。現在我來介紹一下證券交易部。該部門主要的工作就是進行外匯兌換，
currency options, money market transactions, bonds, floating rate notes, Eurodollar CD,...
外匯期權交易，金融市場交易，債券，浮動匯率單以及歐元CD等...
S:Eurodollar CDs?
學：歐元CD?
L:CD stands for Certificate of Deposit, while Eurodollar means US dollar in a European bank.
朗：CD是英文中“存款單”的簡稱，而歐元指的是歐洲銀行的美元，
Eurodollar is used for trade within Europe.
用於歐洲國家之間的各種貿易。
S:Oh, I see. Next, how about your Corporate Finance Division?
學：噢，我明白了。接下來請講貴行的公司財務部。
L:They provide advice to most UK and international companies.
朗：它的任務是爲英國及許多國際公司的提供金融諮詢。
In the past several years, our Corporate Finance Division has expanded quite rapidly.
在過去的幾年裏，這個部門的業務發展非常之快。
S:What kind of advice do they provide?
學：那麼提供幾個方面的諮詢服務呢?
L:They cover mergers, capital raising, takeovers, acquisitions and divestments, and of coursestock market.
朗：諸如公司合併，資本增長企業兼併，公司收購和擺脫某權益，當然還包括股票交易等。
S:Mum, I follow you now.
學：嗯，我現在明白了。
L:There is also an Investment Management Division in our bank.
朗：接下來要介紹的這個部是投資管理部，
It offers services to companies, like investment trusts, unit trusts,
這也是向各公司提供以下這些服務項目：投資信託，單位信托，
pension funds and offshore funds. Now, let's come to the last division, Leasing Division.
退休撫卹金及境外資金管理。現在，我們就說說我們銀行的最後一個部門，就是租賃部。
Obviously, it organizes leasing packages for lessors and lessees.
顧名思義，它的工作就是爲出租人和承租人牽線搭橋。
S:So, that's how you organize your merchant bank in London.
學：就這樣，您就把一個倫敦主要的商業銀行運轉組織起來了。
L:Yes, that's what we do.
朗：正如您說。
T:Time is up. Mr. David Long, thank you very much for coming here to give us such animformative lecture.
教：時間到了。朗先生，感謝您抽出寶貴時間，給我們大家詳細介紹了銀行的組織體系
常用金融英語口語對話篇二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並進行的放款的場所。
S1:I see, but I had always thought that banking started during the Renaissance in Europe.
學1：我明白了，但我原來一直以爲銀行業務始於歐洲文藝復興時期。
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 commercialtransactions that banking lost its previous importance.
直到羅馬帝崩潰和商貿業務的衰落，銀行業才失去了它以往的重要性。
S2:What about the laws against usury during the Middle Ages?
學2：中世紀時，放禁止放高利貸是怎麼回事?
Didn't such laws make it illegal to charge interest on loans?
這些法律沒有規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 andbanking functions started appearing again in Italy and Belgium and later in France,
周：是的，規定了，但是這些法律在14，15世紀時逐步地改變了，銀行的作用又在意大利和比利時開始出現，後來又在法國，
Germany and England.
德國和英國。
S3:So we can really say that banking restarted during the Renaissance.
學3：所以實際上我們可以說，銀行業在文藝復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 thatperiod.
張：對的。顯而易見，銀行的發展正是出於那個時期的需要。當歐洲從中世紀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 asEurope emerged from the feudal system of the Middle Ages.
商業和金融交易再一次開始變得複雜起來了。
S4:Could you tell us more in detail?
學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營活動，發展到從事儲蓄，貸款，
issuing and trading bills of exchange and even issuing their own notes;
發行和買賣匯票，甚至發行他們自己的貨幣。
for another thing, they started the fractional reserve system which is the central feature ofmodern banks.
另一方面他們開始建立起部分儲備制度，而這一點正是現代銀行的主要特徵。
S5:When did the idea of central banks get started?
學5：建立中央銀行的想法是什麼時候開始的?
Z:Well, the first bank that was partially owned and controlled by a state government wasestablished 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.
後來英格蘭銀行出現。我們稱這種銀行爲半公立銀行。
As a matter of fact, the central banks with specific regulatory functions were created in themiddle of 19th century. OK, we call it a day.
事實上在19世紀中葉具有明確常規作用的中央銀行已建立起來。好吧!下課。
A:Good-bye!
全：再見!
常用金融英語口語對話篇三Z:Good evening, Mr. Steward.
張：晚上好，斯特沃德先生。
S:Good evening, Zhang Jun. Come in please. Would you like some coffee or tea?
斯：晚上好，張軍，請進。喝咖啡還是茶?
Z:Anything will do.
張：什麼都行。
S:Have some tea, please.
斯：那麼就來點茶吧!
Z:Thank you.
張：多謝!
S:You said on the phone yesterday that you had some questions about foreign exchangedealing.
斯：昨天的電話裏你說要問問有關外幣兌換交易方面的問題。
Z:Yes. With the growth of global trade, Chinese companies need foreign currencies forinternational transactions.
張：是的。隨着全球貿易的不斷髮展，中國的企業也需要用外匯來支付外商。
So, I'd like to learn more about this topic.
我想多瞭解一些這方面的情況。
S:That's understandable since you are a foreign trade student.
斯:當然了，因爲你學的專業就是外貿。
Z:I understand that exchange rate is the value of one unit of a foreign currency expressed inanother currency.
張：我知道匯率是指一單位以另一國貨來表示的價格。
But how are foreign exchange rates determined?
但是這些匯率是由什麼決定的呢?
S:The price of one currency in terms of another is called the exchange rate.
斯：一國貨幣另一國貨幣表示的價格稱爲匯率。
This rate fluctuates according to the dictates of supply and demand,
匯率隨供求關係而上下波動，
within the limitations imposed by national and international monetary authorities.
在國際及內國內金融機構所限定的範圍內。
Z:Well, do central bank interventions and exchange controls affect rates of exchange?
張：那麼，中央銀行對外匯交易的干預及控制對匯率是否產生影響呢?
S:Yes, of course. But there are still other factors which affect the rates of exchange - balanceof payments,
斯：當然。但影響匯率的升降還有其它因素，
rates of domestic inflation and the relative purchasing power of currencies,
例如國際收支，通貨膨脹率，貨幣相對購買力
international interests, rate differentials and other factors.
國際利率，利率差等等因素。
Z:Are these factors, which create a demand or lack of demand, for a particular currency easyto identify or isolate?
張：對某一特定貨幣來說，影響其供求大小的因素是否很容易單獨挑選出來?
S:No. Very difficult. These factors always work together to affect the rates of exchange.
斯：不，這是非常難的。這些因素總是混在一起對匯率產生影響的。
Z:Mr. Steward, what is spot rate?
張：斯特沃德先生，什麼叫即期匯率?
S:Currencies can be bought or sold in foreign exchange market either for immediate deliveryor for delivery later.
斯：在外匯交易市場上，貨幣的買進，賣出，既可以作既期交易，也可作期貨交易。
So spot rate is for immediate delivery and forward rate is for delivery later.
所以即期匯率就是在即期交易時的匯率，而後者就是在期貨交易時的匯率。
Z:Does the forward market help?
張：那麼期貨交易市場有何好處?
S:Yes, the forward market is very useful for companies of foreign trade.
張：那麼期貨交易市場有何好處?
S: For example, if a company knows that it will need a particular foreign currency to pay a billin a month's time,
斯：例如，某公司知道將在一個月以後需要用某一種貨幣支付一份帳單，
a forward deal enables it to protect itself.
那麼採用外匯期貨交易，公司就能避免某些風險。
Z:How?
張：嗯?
S:The rate of exchange of a particular foreign currency is changing all the time because of thefactors I have just mentioned.
斯：我前面提到過，有好幾種因素對匯率升降產生影響。因此，某一特定貨幣的匯率一直在波動着。
Future adverse movements in the exchange rate would have otherwise had the effect ofmaking the foreign goods more expensive.
若非如此，期貨匯率的升降就有可能使到時所購買的外國貨物價格上升。
Z:Oh, I see. Now, I have a clearer picture of foreign exchange. Thank you very much.
張：噢，我懂了。現在我對外匯兌換交易有了較清楚的認識了。非常感謝您。
S:You are welcome any time.
斯：別客氣，隨時歡迎你來。
Z:It is quite late. I'd better leave now. Thank you again, Mr. Steward. Good night.
張：時間不早了。我得走了，再次感謝您，斯特沃德先生，晚安。
S:Good night.
斯：晚安。
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