银行英语情景口语 第166期:个人消费信贷 个人质押贷款(2)

 　　A: Loans Department, how can I help you?

　　这里是贷款部，我能如何为您效劳？

　　B: Hello. Could you give me some details about your Personal Pledge Loans, please?

　　你好。请你给我介绍一些有关你们的个人质押贷款的详细情况，好吗？

　　A: Certainly, Sir. I'd be happy to. The Personal Pledge Loan is a loan secured by undue¹ certificates,Time Deposits, for example, or Visible Treasury² Bonds.

　　当然可以，先生。我很乐意为您说明。个人质押贷款是一种凭未到期储蓄存单，例如定期存款，或凭证式国请做质押的贷款。

　　B: So, as long as I have one of those, I can apply for a Personal Pledge Loan?

　　所以，只要我有其中的一种，我就可以申请个人质押贷款啦？

　　A: That's correct, Sir. The bank will issue receipt to you and also take care of all the pledged securities.

　　对，先生。银行将为您出具质押品保管收据，并且也保管您的质押品。

　　B: Hmmm ... how about the period of repayment³?

　　%偿还期是如何定的？

　　A: The maximum maturity⁴ period is a year, but it also cannot exceed the maturity on the certificates used as collateral⁵.

　　最长期限是一年，但它也不能超过质押存单的到期曰。

　　B: And the maximum loan amount?

　　还有，最高的贷款金额是多少？

　　A: The initial amount is just 2,000 RMB, but we can go up to 100,000 RMB. But remember, it cannot exceed the amount on the certificates you are using as collateral.

　　贷款起点额度只有2000元，而我们可以最多贷出100000元。但请记住，它不能超出作为质押品的存单面額。

　　B: OK. I'll have a look at what I've got exactly in certificates and get back to you. Thanks for your help. Bye.

　　好的。我要看看我的存单上到底有多少钱，然后再回你们这里来。谢谢你的帮助。再见。

　　A: My pleasure, Sir. Bye.

　　很高兴为您服务，先生。再见。

1 undue   

adj.过分的；不适当的；未到期的

参考例句：

• Don't treat the matter with undue haste.不要过急地处理此事。
• It would be wise not to give undue importance to his criticisms.最好不要过分看重他的批评。

2 treasury   

n.宝库；国库，金库；文库

参考例句：

• The Treasury was opposed in principle to the proposals.财政部原则上反对这些提案。
• This book is a treasury of useful information.这本书是有价值的信息宝库。

3 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。

4 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。

5 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。