银行英语情景口语 第165期:个人消费信贷 个人质押贷款(1)

 　　A: Good afternoon. What can I do for you today. Madam?

　　下午好。我今天能为您做些什么吗，夫人？

　　B: It's a little sensitive, actually. I need to get hold of some money, and quickly.

　　说起来我还真有点儿不好意思。我需要用钱，而且很急。

　　A: OK, Madam. We are here to help.

　　好的，太太。我们在此就是为了帮您。

　　B: I already have some Time Deposits with you, but unfortunately, they haven't matured yet. I really don't want to cash those just yet.

　　我已经在你们这里存了一些定期存款，但不幸的是，它们还没有到期。我还真不希望把它们兑现呢。

　　A: I understand completely. There are other options, such as a Personal Pledge Loan.

　　我完全理解。我们有其他的选择，比如个人质押贷款。

　　B: I've not heard of that, could you tell me more, please?

　　我没有听说过，请你多告诉我一些，好吗？

　　A: The procedure is really simple and convenient. All you need to do is fill in this Loan Application form.

　　办理的手续很简单，而且很方便。您所需要做的就是填写这份贷款申请表。

　　B: Right …anything else?

　　好的……还有什么其他的吗？

　　A: Of course, we'll need some documentation from you. Like your resident permit, proof of salary and your USD Deposit Certificate, to use as collateral¹.

　　当然，我们将需要您提供一些文件。像您的居住许可证、薪金证明以及您的美元存单，用作抵押。

　　B: And then I just sign here? You're right! It certainly is simple and extremely convenient.

　　然后我只要在这里签名？你说得对！这的确实很简单，而且非常方便。

1 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。