精品原创《金融英语听说》Unit2.docx

1、精品原创金融英语听说Unit2【精品原创】金融英语听说Unit2Unit 2 Short Dialogs Task 1 Multiple Choice Scripts & Answers Dialog 1 W: Why cant I tell interest rate from exchange rate? Who can help me? M: Well, It is not as difficult as you think. There is a simple way to tell the difference. When you deposit money with a bank

2、or borrow money from a bank, you usually earn or pay interest at the set interest rate. If you go to exchange RMB for some foreign currency, youll need to know the current exchange rate of RMB to that currency. Have you got it? W: Yeah, I think Ive got it. The interest rate is the price of local cur

3、rency on the local market and the exchange rate is the price of one currency against another one on the foreign exchange market. Question: When will exchange rate be used according to the man? (D) 译文 女:我怎么就区分不了利率和汇率呢? 谁能帮帮我, 男: 别着急。没有你想得那么难。有个简单方法可以区别它们。当你把钱存到银 行或者从银行贷款时,你会按规定的利率赚得利息或支付利息。如果你去把 人民币兑

4、换成某种外汇,你就必须知道人民币兑换该外汇的现时汇率。懂 了吗, 女: 是,我想我明白了。利率就是本国市场上本国货币的价格,而汇率就是外汇市 场上一种货币兑换另一种货币的价格。 Dialog 2 W: This is the Credit Card Center of China Construction Bank. What can I do for you? M: I want to apply for a Long Credit Card. I dont know what documents are needed for the application. W: You are welc

5、ome, sir. Just your ID card and your Cer tif icate of Employment will be required. M: Oh, very good. I have brought them with me. Here they are. W: All right. Please fill in an Application Form. Do you have any idea about the card? M: Yes, a little. Im told it is very convenient to make payment with

6、 a Long Credit Card. But how can I put money to my card? W: It is a piece of cake. When you have a credit card, you hold a credit card account with our bank. You can deposit money to your credit card account through ATMs or over the counter at any bank outlet. If you are too busy to come, you can ch

7、oose to transfer money from your current account automatically. Well send you a monthly statement and tell you the balance of your account. Question: What will the customer do if he wants to deposit money to his credit card account? (D) 译文 女: 这是中国建设银行信用卡中心。请问有什么可以帮您的, 男: 我要办一张龙卡。不知道申请需要什么证件, 女: 欢迎您,

8、先生。申请信用卡只要您的身份证和工作证。 男: 哦,那太好了。我带着这些证件呢。给。 女: 好了。请填写一份申请表。您了解龙卡吗, 男: 知道一点点。听说用龙卡付款非常方便。可我怎样才能把钱存到卡里去呢? 女: 很容易。您有了信用卡,就在我们银行有一个信用卡账户。您可以通过柜员 机或者仸何营业部的柜台把钱存到您的信用卡账户。如果您太忙,没有时间 来银行,您可以选择从您的活期账户自动转账。我们每个月会寄送对账单给 您,告诉您您的账户余额。 Dialog 3 W: Excuse me, would you please tell me the meaning of the word “outsta

9、nding balance” on my statement? M: Yes, well, outstanding balance refers to the amount the card holder should repay to the bank. W: If the outstanding balance on my statement is $2,000, I should repay the money to the bank immediately I receive it. Am I right? M: Take it easy. There is a grace perio

10、d of at least 35 days for a credit card and the statement will tell you the maturity of repayment. It is OK if you deposit enough money to your credit card account before maturity. Question: What does the term “outstanding balance” mean according to the conversation? (D) 译文 女: 不好意思,麻烦你告诉我对账单上“未付金额”的

11、含义好吗, 男: 好。嗯,“ 未付金额”是指持卡人应该偿还给银行的金额。 女: 如果对账单上的未付金额是2,000 美元,我就必须在收到对账单后立即把钱 还给银行,是吗, 男: 不用着急。信用卡都有至少35 天的宽限期, 对账单会告诉您还款的期限。只 要您在到期之前存入足够的钱到您的信用卡账户就可以了。 Dialog 4 M: Morning, madam. What can I do for you? W: Morning, sir, I have a time deposit with your bank. A 5-year time deposit. The balance of the

12、 deposit account is 35,000 yuan. At the moment I need an amount of money for emergency. Can I withdraw some money from the deposit account? M: How much do you want? W: 20,000 yuan. M: Its OK, but the interest should be calculated at the rate on a current account. What about the rest? Do you want it

13、to be transferred to your current account? W: No. Ill keep it in the time deposit account. M: All right, but I have to tell you that we should withdraw it first at the current rate of interest and then deposit the money to your account. The value date of your time deposit is updated from now on. Que

14、stion: What will happen if the woman withdraws money from her time deposit account before maturity? (D) 译文 男: 早上好,女士。有什么事需要我为您效劳吗, 女: 早上好,先生。我在你们银行有定期存款。期限5 年。账户余额是35,000 元。现在我急需用钱。可以从定期账户取一些钱吗, 男: 需要多少, 女: 20,000 元。 男: 可以,但利息必须按照活期利率计算。剩下的钱怎么办,需要把它转账到您 的活期账户吗, 女: 不。还是存定期吧。 男: 行啊。但我要告诉您,我们要先把全部金额按活期

15、利率取出来,然后把余额 存入您的定期账户。您的定期存款利息从现在开始重新计算。 Task 2 Short Answer Questions Scripts & Answers Dialog 1 M: Yesterday my credit card was lost and then returned to me by a policeman. W: What happened? M: I lost my card in a department store. Then a man was caught when he used my card to pay for his purchases

16、; his signature on the sales slip did not match my signature on the card. W: You should be grateful to the shopgirl as well as the policeman. Question: How was the credit card found held by another person? The shopgirl found the signature on the sales slip different from that on the card. 译文 男: 昨天我的

17、信用卡丢了, 后来警察把它还给了我。 女: 怎么回事, 男: 我在商店把卡丢了。后来一个男人用我的卡购物付款时被抓捕,他在销售凭 条上的签名与卡上我的签名不一致。 女: 你应该好好感谢这位女售货员和警察。 Dialog 2 M: Now we have learnt the equation for the calculation of simple interest: I = PRT. Who can tell what the letters stand for in the equation? W: Let me try. Letter stands for interest, the

18、fee for borrowing money. The fee is based on three elements. represents the first element, principal, the amount borrowed; stands for the second element, rate of interest; and stands for time, that is, the period over which the interest is calculated. M: If the rate of interest is 12% per annum, the

19、 amount of money borrowed is $1,000, and the time is one year, how much interest will be paid at maturity? W: According to the equation, the interest to be paid is $120 by multiplying $1,000 by 12%. Question: How much interest will you get on your RMB time deposit at maturity if the amount is,10,000

20、, the time is 2 years and the rate of interest is 2% per annum? ,400. 译文 男: 现在我们已经学习了计算单利的公式:I = P R T。谁能说说这些字母在公 式中都代表什么, 女: 我试试。字母I 表示利息,也就是借款的费用。费用依据三个要素:P 代表 第一个要素, 本金,也就是借的金额,R 代表第2 个要素,利率,T 代表时间, 即利息结算的时间。 男: 假如年利率是12%,所借的金额是1,000 美元,时间是1 年,到期后你要付 多少利息, 女: 按照公式,我们用1,000 美元乘以12%,也就是要支付120 美元的利息

21、。 Dialog 3 W: Hi! What are you doing here? Doing some calculation? M: Yes, Im calculating the interest. A few months ago I borrowed some money for emergency from a private finance company. I want to make clear how much I have to pay since it falls due this month. You know I borrowed the money at com

22、pound interest. W: Oh, my God! At compound interest? The interest will be a large sum, since it is calculated on both the sum of money you borrowed and the interest. M: Yes. The interest is compounded on a monthly basis. I did not know it increases very fast. W: You devil! Why not borrow money from

23、some commercial bank? Question: How is the compound interest calculated according to the woman? It is calculated on both the principal and the interest. 译文 女: 喂,你在这儿干什么,算账吗, 男: 是,我在计算利息。几个月前因急用,我从一家私人金融公司借了一笔钱。因 这个月到期,我想算清楚到底要还多少钱。你知道吗,我可是按复利借的款。 女: 哦,天哪;按复利,利息是好大一笔钱的,它不仅要算所借的本金的利息,还 要算利息的利息。 男: 对。利

24、息是按月复计的,以前我不知道利息增加得这么快。 女: 你啊;干嘛不去商业银行借钱呢, Task 3 Listening and Simulating Scripts & Answers Dialog 1 W: Morning, sir. What can I do for you? M: Morning. I come and deposit some money. Whats the current rate on the sight deposit? W: 1.78% per annum. Why not a time deposit? The rate on the time depos

25、it is much higher. You could earn more interest if you had a 3-year fixed time deposit. M: Probably you are right. I will do as you said when I have an amount of spare cash. W: Its all right. Excuse me, sir, would you please fill in a deposit slip? It is the first time for you to open an account wit

26、h our bank. You should give us your name, ID number, your address, phone number, and the currency and the amount to be deposited. Er yes, would you please show me your ID card? 译文 女: 早上好,先生。有什么事需要我为您效劳吗, 男: 早上好。我来存点钱。现在的活期存款利率是多少, 女: 年利率1.78%。为什么不存定期,定期的利率要高很多。如果您存3 年定期, 您能够得到更多的利息。 男: 也许你是对的。等我有闲钱,

27、我就按你说的办。 女: 没关系。麻烦您填一张存款凭条,好吗,这是您第一次在我们银行开户。您 要写清您的姓名、身份证号码、地址、电话号码,以及存款的币种和金额。 嗯还有,请您给我看看您的身份证好么, Dialog 2 M: Excuse me! Where can I withdraw my money besides over the counter? You see, so many people crowded around the counter. Im afraid I cant wait any longer. W: From ATMs over there. M: Thank yo

28、u. By the way, can I withdraw money from my time deposit through an ATM? W: No. Youd better do it over the counter. Only credit cards and debit cards connected with particular current accounts can be used to withdraw money through ATMs. 译文 男: 打搅了,请问除了柜台以外,我还可以在哪里取钱呢,你看,柜台周围挤满了 人。我恐怕不能再等了。 女: 可以从那边的柜

29、员机取钱。 男: 谢谢;还有,我能够从柜员机支取定期存款吗, 女: 不可以。你最好去柜台支取定期存款。只有与特定活期账户相关联的信用卡 和借记卡才可以通过柜员机上取钱。 Dialog 3 W: Excuse me, sir. Ive a 2-year RMB time deposit with your bank at the rate of 2.56% per annum. Would you please tell me how to calculate the interest I can earn at maturity? M: You are welcome, Madam. Well

30、, can you tell me the balance of your account? W: 20,000 yuan. M: All right. The calculation would be 20,0002.56%2 and you will get 1024 yuan. This is your interest on the 2-year time deposit. M: It is simple interest, isnt it? W: Yes, of course. Banks never offer compound interest on deposits. 译文 女

31、: 打扰一下,先生。我在你们银行有一个2 年期的人民币定期存款,年利率是 2.56%。请告诉我怎样计算到期利息,好吗, 男: 不用客气,女士。哦,你的存款余额是多少, 女: 20,000 元。 男: 好吧。利息的计算是20,0002.56%2,您可以得到1024 元。这就是您的 2 年定期存款的利息。 女: 这是单利,对吧, 男: 当然。银行绝不会提供复利给存款的。 Long Conversations Conversation 1 Personal Deposit Services Scripts & Answers W: Hi, Robert. What brings you here?

32、M: Hi! Glad to see you. Im here to open a RMB account. Could you give me some information? W: Id love to. What kind of deposit would you like to have? M: Well, Im not sure. Would you please tell me the personal deposit services offered by your bank? W: Of course. For personal deposit services we hav