A: Hello, this is IBJ Bank. Maria speaking, how may I help?

　　您好，这里是IBJ银行。我是Maria，我能如何为您效劳？

　　B: Hi, I'm looking into your loans and I'm a little confused about the interest rates. Could you give me some advice?

　　你好，我正在看你们的贷款的介绍，我对利率感到有点儿困惑。你能给我介绍一下吗？

　　A: Not a problem. Which loan was it you were interested in? Sorry, I must ask, because the interest rates can depend on the type of loan you apply for.

　　没有问题。您对哪一种贷款感兴趣？对不起，我必须问，因为利率取决于您申请的贷款的类型。

　　B: I understand. I'm interested in the Petty Consumer Loan.

　　我理解。我感兴趣的是小额消费贷款。

　　A: One of our most popular! The usual interest rate is fixed by the PBC. That is The People's Bank of China. But of course, with some loans, credit rating and loan amount come into play, too.

　　这是我们最受欢迎的一种贷款！通常的利率是由PBC确定的。就是中国人民银行。当然啦，对有一些贷款来说，信用等级和贷款额也发挥作用。

　　B: So, the rate could fluctuate a little，depending on the amount given by the PBC?

　　因此，利率有可能会有些波动，这取决于中国人民银行规定的利率值？

　　A: That is correct.

　　对。

　　B: I'm going to have to do some more research into this. Thanks for your help,bye for now.

　　我还得对此多做一些研究。谢谢你的帮助，再见了。