普通人由于缺乏專業(yè)的理財(cái)知識(shí)，在銀行投資理財(cái)時(shí)往往會(huì)為難到底如何選擇理財(cái)產(chǎn)品、如何看懂理財(cái)產(chǎn)品說(shuō)明書(shū)、如何分辨該產(chǎn)品的優(yōu)劣，這時(shí)或許就需要與銀行工作人員溝通，今天和大家分享一下與銀行理財(cái)服務(wù)有關(guān)的英語(yǔ)知識(shí)。

銀行理財(cái)服務(wù)常用英語(yǔ)單詞
account n.賬戶
charge n.費(fèi)用；v.收費(fèi)
appointment n.預(yù)約，指定
cheque n.支票
confirmatory adj.確定的，證實(shí)的
charter n.許可證，執(zhí)照；v.特許，發(fā)給特許執(zhí)照
current account/checking account 活期存款；經(jīng)常賬戶


銀行理財(cái)服務(wù)常用英語(yǔ)句子
顧客用語(yǔ)
① How about the interest？I’m not really happy with the interest I'm receiving through my Current Account.
利息的情況如何？對(duì)于我的活期存款賬戶中得到的利息，我不是很滿意。
② Can I use the one card for several accounts？Say, if I have 2 or 3 accounts and want to transfer money from one to the other？ 
我可以用一張卡來(lái)操作多個(gè)賬戶嗎？比如，如果我有兩個(gè)或三個(gè)賬戶，并且想把錢(qián)從一個(gè)賬戶轉(zhuǎn)到另一個(gè)賬戶，行嗎？
③ I received some leaflets in the post from you, one of them talked about a new service you have where you can transfer money between this bank and securities companies.
我收到了一些你們寄給我的傳單，其中的一張?zhí)岬侥銈冇幸豁?xiàng)新的服務(wù)，說(shuō)你們可以在這家銀行與證券公司之間轉(zhuǎn)賬。
④ I’m not sure which would be better for me; buying some insurance or putting my money in a Savings Deposit.
我不知道哪一項(xiàng)對(duì)我來(lái)說(shuō)更好，是買(mǎi)一些保險(xiǎn)還是把錢(qián)存起來(lái)。
⑤ I’m mostly interested in the personalized services you offer，with stock market news, etc.
我最感興趣的是你們提供的個(gè)性化服務(wù)，提供股市新聞等等。

職員用語(yǔ)
① Are you here to get some advice about our new Personal Financing Program?
您是來(lái)咨詢有關(guān)我們的新的個(gè)人理財(cái)業(yè)務(wù)的吧？
② The account is a compound savings account, which is in RMB and Forex. 這個(gè)賬戶是一種集本幣和外幣為一體的復(fù)合型存款賬戶。
③ You can have a MoneyLink car. You can also base the account on time deposits. The choice is yours. 
您會(huì)得到一張靈通卡。您還可以使您的賬戶基于定期存款形式。您自己來(lái)決定存款形式。
④ The interest on this new account is higher than any of the accounts in our Personal Financing.
這個(gè)新賬戶的利息高于我們開(kāi)辦的個(gè)人理財(cái)業(yè)務(wù)的其他各種賬戶。
⑤ You can have multi- accounts on the card, you can also make transfers from the account and securities companies and various other benefits.
您可以用一卡多戶形式，而且您還能把錢(qián)從您的賬戶以及您的證券賬戶轉(zhuǎn)出來(lái)，您還有其他的一些好處。
⑥ We can provide a tailored consultation service for you, you the latest quotes from the Stock Exchange and help you to plan exactly to with your investments. 
我們可以為您提供量身定做的咨詢服務(wù)，為您提供最新的股市行情，并且?guī)椭?guī)劃投資的具體操作。


銀行理財(cái)服務(wù)口語(yǔ)情景對(duì)話
A: Good afternoon, you 100k a little stuck. Can I help？
B: The thing is, I've got all of this information here, all of these leaflets, but I can’t make head nor tail of them！
A: I see. What is it exactly that you are interested in？
B: I’m not sure which would be better for me; buying some insurance or putting my money in a Savings Deposit. 
A: Well, that all depends on how much you want to invest.
B: I was thinking Of around 10,000 RMB.
A: That’s a nice round figure to deal with！OK, if you were to buy this insurance policy，your yearly fixed income from it would be 94.35 RMB. 
B: And for the Savings Deposit？
A: For the Savings Deposit you could actually get more. You see, in time deposit, the interest rate is 1.58％ after the 20％ interest tax. So，technically you could get more than a third more.
B: Wow！A third more？Very good.

A：下午好，您看上去有點(diǎn)兒不知所措。我可以幫忙嗎？
B：是這樣的，我這里搞到了所有這些信息，所有這些傳單，但是我對(duì)此完全摸不著頭腦。
A：我明白了。您感興趣的到底是什么呢？
B：我不知道哪一項(xiàng)對(duì)我來(lái)說(shuō)更好，是買(mǎi)一些保險(xiǎn)還是把錢(qián)存起來(lái)。
A：嗯，這一切完全取決于您想投資的數(shù)額。
B：我想大約投10000元。
A：這是一個(gè)挺好籌算的整數(shù)！好的，如果您購(gòu)買(mǎi)這種保險(xiǎn)的話，您每年的從中得到的固定收入將是94.35元。
B：那么用于儲(chǔ)蓄呢？
A：用于儲(chǔ)蓄存款的話，您實(shí)際上可以得到更多。您瞧，存定期存款的話，利率在扣除20％的利息稅后是1.58％。因此，很顯然您可以多得到超過(guò)三分之一的利息。
B：哇！超過(guò)三分之一呀？非常好。