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1、大家论坛 BEC 版块 http:/ 1000 字Unit1:银行业务banking 银行业务general business 一般业务ATM 自动柜员机You can change your PIN at the ATM. 1你可以在自动柜员机上修改密码automatic bill payment 自动转帐服务Tina pays her phone bill with an automatic bill payment.蒂娜利用自动转帐服务付电话帐单balance 差额 余额If you keep a balance of $1,000, you wont have to pay the $
2、20 monthly-service fee.如果你保持 1000 美元的余额，就不必付每月 20 美元的服务费了bank account 帐户How do I open a bank account here?我要怎么开户bank holiday 银行公休日 国定休息日What happens if payday falls on a bank holiday?如果发薪日正好碰上了国休日那该怎么办banking 银行业务Could you sign me up for online banking? 2你能帮我申请网络银行服务么 banknote 纸币 钞票Wads of banknotes
3、 were hidden in the bag.包里藏了几数叠钞票certificate of deposit 定期存款Redeeming your certificate of deposit before maturity may result in withdrawal penalties.如果你在定期前解约可能要付提前解约金checking account 支票存款帐户I need to make a withdrawal from my checking account.我要从我的支票帐户中提款大家论坛 BEC 版块 http:/ 存款I didnt get my pay depos
4、it this month.我这个月的薪水存款没有入帐discount rate 贴现率The discount rate is set by the Fed.贴现率是由联储决定的Individual Retirement Account 个人退休帐户Does it matter where I open an Individual Retirement Account?我到哪开个人退休帐户重要么？interest 利率Interest rates are not expected to increase.利率应不会再涨safe-deposit box （银行）保险箱She kept her
5、jewels in her safe-deposit box.她把珠宝放在银行保险箱里savings account 储蓄存款帐户I need to transfer money from my savings account to my checking account.我要把钱从储蓄存款帐户转到支票存款帐户signature 签名Tom forged his bosss signature to steal company funds.汤姆伪造了他老板的签名盗取了公司的资金teller 出纳员Marcy started as a bank teller, but now shes a lo
6、an officer.玛希刚开始是当出纳员，但是现在是贷款员transfer 转账The money has been transferred into my account.钱已经转入我的帐户wire 汇款Judys father wired money to her bank account.朱迪的父亲将钱汇入了她的帐户withdraw 取款I withdrew $300 from my savings account.我从我的储蓄存款帐户提取了 300 美元大家论坛 BEC 版块 http:/ 1000 字 Unit2:消费金融balance transfer余额代偿Katherine
7、made a balance transfer from her old credit card to her new one.凯萨琳申办新卡代偿旧卡。cancelv. 停（卡）What happens if I want to cancel my card?如果我想停卡該怎么办？cash card現金卡What do I need in order to apply for a cash card?申办现金卡我需要准备些什么？collateraln. 抵押品；担保品Without collateral, Mr. Thomas wasnt able to get a loan.由于没担保品，汤
8、玛斯先生的贷款办不下來。credit card信用卡I need to report a stolen credit card.我要报信用卡失窃。credit limit信用额度Beware of outrageous credit limits, which may lead to uncontrollable spending.要小心信用額度別订得太高，这可能会导致花费无度。credit rating信用评等 Bobs poor repayment history has really hurt his credit rating.巴柏不良的还款记录对他的信用评等造成很大的伤害。debit
9、 card签帐卡You can use this debit card almost anywhere in the world.这张签帐卡你几乎全世界任何地方都可使用。debt consolidation interest deposit consolidation负债整合Before you consider debt consolidation, closely examine the proposal.在考虑负债整合之前，要仔细检查其还款方案。大家论坛 BEC 版块 http:/ 违约The company is in default on its loan agreement.该公司
10、违反其贷款合约。Freezev. 冻结（帐户）the bank froze my credit card account after I reported it stolen.在我报失信用卡后，银行冻结了我的信用卡户头。Installmentn. 分期付款Penny will pay off her student loans in 60 installments.潘妮將分六十期偿还她的助学贷款。Loann. 贷款I confirm that I have read and understood the terms and conditions of the loan agreement.我确
11、认已阅读并了解这份贷款协议的条件与规定。minimum finance charge每月最低应缴金额 Some credit cards have a minimum finance charge.有些信用卡有每月最低应缴金额的限制。Mortgagen. 房贷；抵押借款Rick has a twenty-year mortgage.瑞克要繳二十年的房贷。Outstandingadj. 未清偿的；未付清的our records show you have an outstanding balance of $6, 0我们资料显示您有一笔六千元的款项未付。Refinancev. 重新贷款when
12、deciding whether or not to refinance, there are many factors to consider.在決定是否重新贷款时，有许多因素要考量。Statementn. 账单明细 The fee for issuing a replacement card will be charged to your next statement.信用卡补发費用將併入您下个月的账单明细。大家论坛 BEC 版块 http:/ 1000 字 Unit3:票据banking 银行业务payment instruments 票据Bouncev. 跳（票）Oh no! My c
13、heck to City Supermarket bounced!喔，糟了！我开给城市超市的支票跳票了！cashiers check本票Pre-payment with cashiers check or money order is accepted预付款用本票或汇票都可以。Checkn. 支票I dont have cash. Can I write you a check?我没有现金，可以开支票给你吗？clearing house票据交换所；清算所A clearing house is an office where banks exchange checks and drafts.票据
14、交换所是银行交换支票、汇票的地方。Endorsev. 背书Can you endorse the back of the check, please?可以麻烦你在支票背面签名背书吗？financial institution金融机构Many big financial institutions raised their interest rates today.许多大型金融机构都在今天升息。Maturev.（定存、票据等）到期When does my CD mature?我的定存何时到期？money order汇票Can I pay with money order?我可以用汇票付款吗？Paycheckn. 薪资支票大家论坛 BEC 版块 http:/ HR assistant distributes employee paychecks every month.人资部助理每个月会分发员工的薪资支票。postdated check远期支票Im sorry. We dont accept postdated checks.抱歉，我们不收远期支票。stop payment止付My father called the bank to stop payment on the check.我父亲打电话到银行止付那张支票。travelers check旅
