金融英语口语之银行日常用语(3篇)

金融英语口语之银行日常用语

Ifwewereanofficer,histitlewouldbeassistant-cashierandchief-teller.

Thatsoundsveryconfusing.Whydon'tbanksjustmakealldepartmentmanagersofficers?

It'spartofthebank'ssystemofassigningauthorityandresponsibility.

Afterall,bankshavespecialobligationstotheirdepositorsbecausewearehandlingtheirmoney,notonlyourown.

That'sright.AndIamadepositor,too.I'vegot$37.50inmyaccount.

BettyRogers,atellerattheFirstNationalBank,isexplainingthebank'scomputersystemtooneofhercustomers.

Whatdoyoumeanbythetermon-linesystem?

Basically,itmeansthatallourbranchesareconnectedtoourcentralcomputersystem,Sir.

Thispermitsustoprocesstransactionsrightaway.

金融英语口语之银行日常用语

Doyoumeanthatdepositsandwithdrawalsarepostedtomyaccountimmediately?

Yes,weprocesscashtransactionsassoonastheytakeplace.Checkdepositsarecredited,subjecttocollection.

YoumeanthatIcan'tdrawagainstadepositbycheckuntiltheproceedsarecollectedfromthebankonwhichthecheckisdrawn?

Yes,that'sright.Butitonlytakesovernightforanybankinthecityandjustadayortwoforbanksoutsidethecity.

Doyoukeepallsavingsaccountrecordsoncomputer?

Yes,savings,checking,loanandinstallmentcreditaccounts,too.

On-linecomputersystemshelpusprovidespeedyandaccurateservicetoourcustomers.

Oh,that'swhywemustusemagneticallyencodedchecksanddepositslips.

Yes,thecomputeratourdataprocessingcentercanreadallencodeditemsautomatically.

Ofcourse,you'llnoticethattherearecomputerterminalsatmosttellerwindows,too.

Tellersusethemtoprovideimmediatecomputeraccessforalltransactions.

金融英语口语之银行日常用语

Theyspecializeinlong-termsavingsaccountsandusuallylendmoneyformortgages.

WhataboutmutualSavingsBanks?Whatdoesthatmean?

Thosearespecialsavingsassociation,likesavingsandloanassociations,whichareownedbythedepositorsinsteadofstockholders.

Usuallytheyspecializeinmortgages,too.

Whydon'ttheyoffercheckingaccountslikeyourbankdoes?

Theyareorganizedfordifferentpurposesandtheydon'thavetheauthoritytooffercheckingaccouts.

That'safunctionforcommercialbanksonly.

What'salong-termorindustrialbank?

That'saspecialbankforindustrialdevelopment.

JohnAndersonandBettyRogerscontinuetheirdiscussionabouttheoperationandorganizationofherbank.