金融英语口语情景对话常见练习
金融英语口语情景对话常见练习
学习金融英语，离不开提高英语口语能力，那么一些常用的金融英语口语都有哪些呢?下面学习啦小编为大家带来金融英语口语情景对话，欢迎大家学习!
金融英语口语情景对话一
D:Hi, Roy. How are your things going?
马：嗨，罗伊，近来一切都好吗?
R:Fine. Everything is going smoothly.
R：好，挺好。一切进展顺利。
D:This is Miss Harriet Smith, finance manager of A & P Corporation.
马：这位是哈里.史密斯先生，A$P公司的财务经理。
This is Mr. Roy Stanford.
这位是罗伊.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!我在国际贸易与银行业务部任职。
As you know, we're very much involved with many large American corporations dealing withinternational trade.
我们参与许多美国大公司的国际贸易事务。
H:Yeah. That's why I come here this afternoon.
斯：是啊，这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：我们正在积极乐观地与大公司以及它们的子公司或分支机构建立业务联系，以确保我们向他们提供各项服务。
H:Would you please be more specific?
史：请您具体谈谈。
R:Sure. We handle all types of letters of credit, and also advise if they should be irrevocable,
斯：可以，我们操作各类信用证，并且提供相应的咨询-例如建议哪些应做不可撤销信用证，
whether they should be confirmed, whether we would recommend them in certaincircumstances.
哪些信用证应确认，有些时候，我还要推荐适当的信用证。
And of course, we deal with documentary collections and so on.
当然，我们也处理单据托收。
H:So your division is to ensure that its customers receive payment for the goods they expect.
史：因此，你们部负责确保客户及时收到贷款。
R:That's where we can help an exporter like your corporate.
斯：对，是这样。我们可以在托收贷款方面为像你们这样的大公司提供服务。
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，有时候，出口商向国外发货以后，要等到二年，甚至三年以后才能拿到贷款。这样不愉快的事时有发生。
It could be of any reason. That's why we always hear people say that exporting is easy;
原因可以是各种各样的，因此我们经常可以听到这样的牢骚：出口容易，
it's getting paid that's the hard part.
要钱难。
H:I'm afraid it's the case we sometimes have to confront.
史：恐怕，我们公司也会不时地面临这种尴尬的局面。
R:But of course, we're not all the time selling a service.
R：当然，我们部并不总是客户推销我们的服务。
A lot of the time we give advice and solve problems to our customers.
大部分时间，我们给客户一些参考意见并帮他们解决实际问题。
H:What's a typical problem that you would expect a customer to come to you about?
史：一般情况下，客户会带着什么问题来向你们咨询呢?
R:For example, just recently we had one with a contract that was signed to supply somemachinery to a company in France.
斯：就拿最近的例子来说吧。我们处理了一个向法国提供机械的合同。
H:What happened? And what role did you play?
史：怎么啦?你们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 tocover forward for any length of time.
斯：当初签合同时，是以美元为计算单位的。但那家法国公司无权做任何时间范围内的期货交易，
They would have to buy the necessary USD to pay the bill.
他们又必须买进一定数目的美元付帐。
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：于是我们为这家法国客户买进了美元，这样他们就可以用法郎而不是美元来计算货款了。
H:Fine. OK, I think we've covered everything now, haven't we?
史：好，我想我俩已谈得很详尽了。
R:Yes, I think so. It was good of you to see me.
斯：是啊!很高兴您来与我们商洽。
H:My pleasure. Thank you for answering me so many questions.
史：我也感到很愉快。谢谢您解答了我不少的疑问。
I'm sure we'll buy your service in the near future.
我敢肯定，不久的将来，我们就要来“买”你们的服务项目了。
R:Thank you.
斯：谢谢。
金融英语口语情景对话二
E:We've seen the income before our coffee break; now let's look at the outgoings.
爱：我们在喝咖啡休息以前看到了本行的收益情况，现在再来看看支出情况。
V:What is the largest amount of money you spent in 1994?
代表：那么贵行1994年最大的支出项目是什么呢?
E:Obviously, the largest of these is staff costs.
爱：很明显，支出中最大的一块是员工开销。
It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at theend of 1994.
1993财政年度为500美元，到1994年底，就增长到6500万美元，
It covers forty-two per cent in the total group outgoings.
占了总支出的42%。
V:Why is the increase as large as eighteen per cent?
代表：为什么这部分支出的增长率高达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.
爱：这一方面是由于增加了职工人数，用于从事前面我所提到的增加服务佣金等工作。
V:How about doubtful debt provision and depreciation?
代表：那么坏帐充资金和折旧费用呢?
E:Provisions for doubtful debts amounted to eight million dollars,
爱：坏帐抵充资金高达800万美元，
an increase of sixty per cent;
增长了60% 。
while depreciation on leased assets and on premises and equipment decreased from sixteenmillion dollars to fifteen million dollars.
而租赁资产的折旧费以及营业大楼。设备的折旧费则从1 600万美元降至1500美元。
V:Is depreciation calculated on a straight line basis?
代表：折旧费是采用直线折旧法来计算的吗?
E:Yes, that' how we calculate depreciation.
爱：是的，我们就是按照直线折旧法来算的。
V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts anddepreciation,
代表：除去员工费用最大的一块支出，以及坏帐准备金及折旧费之外，
how about expenses, on tax, dividends?
其它，如纳税和股票支出情况呢?
E:Tax, not much to say really. We paid five million dollars more than in 1993.
爱：税，真的不必多说。1994年这一财政年度，我们比1993年多交纳税多500万美元，
That is, we paid up to twenty-five million dollars in the financial year of 1994.
即达2 500万美元。
As for dividends paid to our shareholders,
我们支付给股东们的股息，
they remained unchanged over the previous fiscal year at five million dollars.
则与1993年底持平，均为500 万美。
V:How so?
代表：就这么多?
E:Because the major part of the year's profit was retained to expand our consolidated capitalbase.
爱：因为我们决定保留1994年度大部分利润来扩大我行的合并资本。
This was the first year in which our balance sheet footings passed the three billion dollars mark.
1994年是我们的资产负债表上累计超过30亿美元的第一年。
V:In addition, is there any sharp increase in other costs?
代表：除此以外，其它费用还有哪些部分增长迅速吗?
E:No. On the contrary, other expenses increased by only a little under seventeen per cent.
爱：没有了。相对说来，其它费用只增长了一点点，不到17%。
That's the smallest annual increase since 1989.
这是1989年以来支出年度增长最少的一年。
Personally, I think it illustrates our determination to bring costs under control.
我个人的看法是：以上这些数字表明我们控制费用增长额度的决心。
V:What's your yearly profit after paying dividends to shareholders?
代表：扣除股东的股息，贵行的年利润有多少?
E:After allocation of the dividends, there remained a net undistributed balance for the year ofnine million dollars.
爱：支付完股东的股息后，剩下的非分配利润有900万美元，
The total amount was transferred to reserves to cover unexpected events.
用作应付特别紧急的需要的储备金。
V:So as your annual report indicates, all this adds up to total group outgoings of one hundredand fifty-five million dollars.
代表：所以说，正如你们的年度报表写明的，贵行支出总额为1.55亿美元。
E:Yes,the figure of total group outgoings exactly balances out with the total income.
爱：对，这部分支出额与总收入相平衡。
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：到现在为止，我们对贵行1994年度的收入及其使用情况，以及与1993年的对比情况，都有了清晰的了解。
金融英语口语情景对话三
E:I'm glad to give you some information about my bank.
爱：很高兴能有机会与中国同行谈谈本行的有关业务状况。
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报告。
V:Yes, it gives key figures relating to your bank's activities and financial performance during1994.
代表：正是，这份报表已列出了1994年度贵行的各项经营业务及财务状况的关键数据。
Dr. Edwards. Would you please first give us a very short description of your performance lastyear?
爱德华兹博士，您能否用最简短的话概括一下贵行去年的经营状况?
E:Fine. As of December 31st 1994, the Northland's ZB Bank Corporation was the sixth largestin USA,
爱：很乐意。到1994年12月31日为止，本银行-北方ZB银行集团，名列美国第六名。
based on stockholders' equity, and the seventh largest based on deposits.
第六名是按照股本产权来统计的。如按银行存款额来统计，则名列全美国第七。
The bank has more than 980 offices around the world.
目前本银行有980个办事处分布在全球各地。
V:You have an office in Beijing, don't you?
代表：你们在北京也有办事处吧?
E:Yes, that's right. Actually, we have three offices in China.
爱：是啊!在中国我们目前有3个办事处。
We established our offices first in Beijing, then in Shanghai and in Guangzhou.
第一个我们设在北京，接着在上海及广州也设立了办事处。
We're thinking of opening another two in Tianjin and Suzhou next year.
我们正考虑明年在天津和苏州各设一个办事处。
V:That's terrific. I'm from Suzhou, which is developing rapidly.
代表：太巧了。我是苏州人。苏州发展非常快速。
E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.
爱：真的啊!我希望我们能抽出空谈谈苏州的金融状况。
V:I'd like to if I can be of any help.
代表：能对您有用的话，我很乐意的。
E:Now, let's begin with income of our bank last year.
爱：现在我来说说本行去年的收益状况。
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：贵行1994年总收入为1.55亿美元,而1993年则为1.35亿美元，
That's an increase of...
增长了....
E:Of nearly fifteen per cent over the year before last,
E：差不多增长了15%，
a rate of increase slightly above that of recent years.
是最近几年增长率较高的一年。
V:Your net interest earning at the end of 1994 reached ninetynine million dollars.
代表：你们1994年底投资收益达到9 900万美元。
E:That's exact good news for us. In the financial year 1994,
爱：对我们来说，是相当令人振奋的。在1994年这个财政年度里，
interest received amounted to six hundred and fifteen million dollars and interest paid to fivehundred and sixteen million.
利益收入达到6.15亿美元,而支付的利息为5.16亿美元。
V:So, that's almost ten per cent up over the 1993 figure.
代表：这样说来，这个数目比1993年增长了约10%。
E:Yes, the net interest income is pretty satisfactory indeed,
爱：是呀，这个净利润令我们非常满意，
in what is, as you know, an intensely competitive market.
正如大家所知道的那样，这是个竞争非常激烈的市场。
V:Oh, you also achieved a significant increase in non-interest income.
代表：噢，你们在非利息收入这一块也获得了很大的收益。
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.
爱：是啊，我们的非利息收入从1993年的4600万美元增长到1994年底的5 600万美元。
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仅仅是依靠贷款获利，更重要的是应当通过其它方式，如赚取服务费，佣金等方式来增加本行的收益。
So 1994 income in this area accounted for a two per cent higher contribution to total incomethan was the case in 1993.
因此，与1993年相比，这部分的收益占本行总收入的比重增长了两个百分点。
V:Yes, this is really an encouraging trend since the economic environment in general ischanging.
代表：对呀。正因为总的经济环境在变化，这真是一个令人鼓舞的发展趋势。
It also shows your response to the sensitivity of interest rates in particular.
银行利率的升降特别敏感，但贵行却能调整对策，作出及时的反应。
E:Due to non-interest income of fifty-six million dollars,
爱：由于1994年的非常利息收入有5600万美元，
our total group income in 1994 was twenty million dollars higher than the pervious financialyear.
与1993年相比，我们银行1994年财政年度的总收入增加了2000万美元。
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