英语词汇实用小百科 银行实用英语

 

Xiaohua: Hello! And welcome to round table's word of the week. This week we are talking about some banking¹ related terms. Cause you know everyone needs the bank, but not everyone knows some of the terms are you use we you go to one.

John: Yeah. It is true. If only we didn't all need to use the bank, but as Xiaohua said we'll be looking at, if you're going abroad, and in particular if you're going to the US and you have to deposit a check or maybe make a withdrawal², well, you wanna take a listen real quick. So first of all, if you go to a bank and you want to get money out of your account, you would go up to the teller³, so it's the person who is working behind the desk and say, “I would like to make a withdrawal.”

Xiaohua: 当去银行要提款的时候就要说这句话了，另外teller就是银行的柜员。

John: Then the teller might ask you how would you like the money. That basically means what types of notes and how many notes do you want for that withdrawal.

Xiaohua: How would you like the money 可不是说你想要什么样的钱，而是说你想要什么面值的钞票。

John: Right. It's not do you want that in RMB or do you want that in US dollars. No. Do you want that in tens, fives or twenties, fifties (Xiaohua: Exactly.) or in one hundreds? But don't ask for one hundreds, because very few stores actually accept that. And then looking at if you want to put money in, you can say I would like to make a deposit, so you are depositing money. You can also say, for example, maybe you have your check from work. And you can say to the teller I would like to deposit this check.

Xiaohua: 需要存钱的话就说make a deposit。另外check支票也是在英美国家经常用的，所以你有可能想要把某一张支票存入帐户。这时候就说deposit this check.

John: Yeah. Deposit this check. You can say, I'd like to, you know, you can deposit cash. You can deposit a check or whatever form of payment you have. Let's say that you've never been to that bank before. And you want to open a bank account. Well, that's very simple. You just say I would like to open a bank account.

Xiaohua: 在银行开户就是open a bank account.

John: And you know, of course, life is not as simple or as easy as we would like it to be. Sometimes maybe you'll lose your ATM card or you'll lose your credit card. So you can call their service number or you can go to the bank and you can report a lost credit card or a stolen credit card.

Xiaohua: 如果丢了银行卡或者是信用卡要挂失的时候就要说report a lost credit card or a stolen credit card.

John: And here's a pretty important difference. In banks there are many different types of accounts, as I'm sure you are already aware. But we are gonna look at some of the more broader categories. So in general, there are two types of accounts. One is a checking account and the other is a savings⁴ account. A checking account is an account that has very very low interest that you are making payments into and making withdrawals⁵ on a regular basis. Whereas the savings account has a slightly higher interest rate, and it is expected that there will not be very much activity on that account.

Xiaohua: 下面来介绍一下经常会用到的几种帐户的名字。 Checking account 是支票帐户又是活期帐户的意思。而savings account指的是储蓄帐户或者是有一定利息的定期存款账户。

John: Now let's move away from these dry and slightly boring words and phrases and take a look at some bank related idioms. First, on the books is “break the bank”. Buying a new pair of shoes at a discount price won't break the bank.

Xiaohua: 下面我们来看一下一些跟银行有关的习语吧。Break the bank 可不是什么抢劫银行的意思，而是说你的钱都花光了。

John: Right. And then “bank on something”. Man I am so reliable, of course you can bank on me.

Xiaohua: Bank on something是信赖某事，信赖某人。

John: Then of course “you can take that to the bank” or take it to the bank. Our US president Barack Obama is very famous for saying that in one of his election campaign speeches, making a promise and he says you can take that to the bank. And of course, what I am telling you is the truth. You can take it to the bank.

Xiaohua: Take it to the bank 是说我打包票我说的都是真的，你可以去求证的意思。据说奥巴马也非常喜欢用这个词。 And that's all we have for this week's word of the week.

John: Bye Bye.

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 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。

3 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。

4 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。

5 withdrawals   

n.收回，取回，撤回( withdrawal的名词复数 )；撤退，撤走；收回[取回，撤回，撤退，撤走]的实例；推出（组织），提走（存款），戒除毒瘾，对说过的话收回，孤僻

参考例句：

• He has made several withdrawals from his bank account. 他从银行账户上提了几次款。 来自《简明英汉词典》
• It is not the bank's policy to deduct interest on withdrawals. 提款需扣除利息这并非是本银行的政策。 来自辞典例句