必备商务英语口语

 　　商场上要不断的学习，特别是在其他国家处理事务时，必备的商务口语是很重要的，今天我就一起来看看常用的商务口语。

　　You can change your PIN at the ATM. 你可以在自动柜员机更改你的密码。

　　Tina pays her phone bill with an automatic bill payment. 蒂娜利用自动转帐服务支付电话账单。

　　If you keep a balance of $1,000, you won't have to pay the $20 monthly-service fee. 如果您维持一千元存款余额，就不必付每月二十元的服务费。

　　How do I open a bank account here 我要怎么开户？

　　What happens if payday falls on a bank holiday 发薪日如果碰上国定假日该怎么办？

　　Could you sign me up for online banking¹ 你可以帮我申请网络银行服务吗？

　　Wads of banknotes were hidden in the bag. 袋子里藏了数迭纸钞。

　　Redeeming² your certificate of deposit before maturity³ may result in withdrawal⁴ penalties. 如果你定存提前解约，可能必须付提前解约金。

　　I need to make a withdrawal from my checking account. 我要从我的支票存款账户里提款。

　　I didn't get my pay deposit this month. 我这个月薪资存款没有入帐。

　　The discount rate is set by the Fed. 重贴现率是由联准会所订定。

　　Does it matter where I open an Individual Retirement⁵ Account 我在哪里开立个人退休账户有关系吗?

　　Interest rates are not expected to increase. 利率应不会上升。

　　Tom forged his boss's signature to steal company funds. 汤姆伪造老板签名，盗领公司款项。

　　Marcy started as a bank teller⁶, but now she's a loan officer. 玛西一开始是当银行出纳员，但现在她是贷款员。

　　The money has been transferred into my account. 钱已经转进我的账户。

　　Judy's father wired money to her bank account. 茱蒂父亲汇了一笔钱到她的户头。

　　I withdrew $300 from my savings⁷ account. 我从我的储蓄存款账户提领了三百元。

　　Katherine made a balance transfer from her old credit card to her new one. 凯瑟琳申办新卡代偿旧卡。

　　What happens if I want to cancel my card 如果我想停卡该怎么办？

　　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？

　　Without collateral⁸, Mr. Thomas wasn't able to get a loan. 由于没担保品，托马斯先生的贷款办不下来。

　　I need to report a stolen credit card. 我要报信用卡失窃。

　　Be aware of outrageous⁹ credit limits, which may lead to uncontrollable spending. 要小心信用额度别订得太高，这可能会导致花费无度。

　　Bob's poor repayment¹⁰ 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。

　　You can use this debit¹¹ 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。

　　Before you consider debt consolidation¹², closely examine the proposal. 在考虑负债整合之前，要仔细检视其还款方案。

　　The company is in default on its loan agreement. 该公司违反其贷款合约。

　　She kept her jewels in her safe-deposit box. 她将珠宝放在她银行保险箱。

　　I need to transfer money from my savings account to my checking account. 我要将储蓄存款账户的钱转到我的支票账户。

1 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

2 redeeming   

补偿的，弥补的

参考例句：

• I found him thoroughly unpleasant, with no redeeming qualities whatsoever. 我觉得他一点也不讨人喜欢，没有任何可取之处。
• The sole redeeming feature of this job is the salary. 这份工作唯其薪水尚可弥补一切之不足。

3 maturity   

n.成熟；完成；(支票、债券等)到期

参考例句：

• These plants ought to reach maturity after five years.这些植物五年后就该长成了。
• This is the period at which the body attains maturity.这是身体发育成熟的时期。

4 withdrawal   

n.取回，提款；撤退，撤军；收回，撤销

参考例句：

• The police were forced to make a tactical withdrawal.警方被迫进行战术撤退。
• They insisted upon a withdrawal of the statement and a public apology.他们坚持要收回那些话并公开道歉。

5 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。

6 teller   

n.银行出纳员；(选举)计票员

参考例句：

• The bank started her as a teller.银行起用她当出纳员。
• The teller tried to remain aloof and calm.出纳员力图保持冷漠和镇静。

7 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

8 collateral   

adj.平行的；旁系的；n.担保品

参考例句：

• Many people use personal assets as collateral for small business loans.很多人把个人财产用作小额商业贷款的抵押品。
• Most people here cannot borrow from banks because they lack collateral.由于拿不出东西作为抵押，这里大部分人无法从银行贷款。

9 outrageous   

adj.无理的，令人不能容忍的

参考例句：

• Her outrageous behaviour at the party offended everyone.她在聚会上的无礼行为触怒了每一个人。
• Charges for local telephone calls are particularly outrageous.本地电话资费贵得出奇。

10 repayment   

n.偿还，偿还款；报酬

参考例句：

• I am entitled to a repayment for the damaged goods.我有权利索取货物损坏赔偿金。
• The tax authorities have been harrying her for repayment.税务局一直在催她补交税款。

11 debit   

n.借方，借项，记人借方的款项

参考例句：

• To whom shall I debit this sum?此款应记入谁的账户的借方？
• We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱，只得给他寄去一张借条所要欠款。

12 consolidation   

n.合并,巩固

参考例句：

• The denser population necessitates closer consolidation both for internal and external action. 住得日益稠密的居民，对内和对外都不得不更紧密地团结起来。 来自英汉非文学 - 家庭、私有制和国家的起源
• The state ensures the consolidation and growth of the state economy. 国家保障国营经济的巩固和发展。 来自汉英非文学 - 中国宪法