金融英語(yǔ)口語(yǔ)

　　金融英語(yǔ)口語(yǔ)：Bank Performan 1

　　New Words

　　新單詞

　　diagram n.

　　圖解，圖表

　　terrific adj.

　　極妙的

　　fiscal adj.

　　財(cái)政的

　　satisfactory adj.

　　令人滿意的

　　competitive adj.

　　競(jìng)爭(zhēng)的，比賽的

　　significant adj.

　　有意義的，有效的

　　commission n.

　　傭金

　　trend n.

　　趨勢(shì)

　　sensitivity n.

　　敏感

　　Phrases & Expressions

　　bank performance

　　銀行業(yè)績(jī)

　　stockholder equity

　　股東權(quán)益，股東產(chǎn)權(quán)

　　relate to

　　有關(guān)，涉及

　　base on

　　把...基于

　　amount to

　　合計(jì)，總共達(dá)

　　net invest earning

　　投資凈收益

　　account for

　　說(shuō)明(原因等)

　　in particular

　　特別，尤其

　　E:I'm glad to give you some information about my bank.

　　愛(ài)：很高興能有機(jī)會(huì)與中國(guó)同行談?wù)劚拘械挠嘘P(guān)業(yè)務(wù)狀況。

　　The diagram in your hand is a copy of our last annual report.

　　各位手里拿的正是我公司去年的年度報(bào)告。

　　V:Yes, it gives key figures relating to your bank's activities and financial performance during 1994.

　　代表：正是，這份報(bào)表已列出了1994年度貴行的各項(xiàng)經(jīng)營(yíng)業(yè)務(wù)及財(cái)務(wù)狀況的關(guān)鍵數(shù)據(jù)。

　　Dr. Edwards. Would you please first give us a very short description of your performance last year?

　　愛(ài)德華茲博士，您能否用最簡(jiǎn)短的話概括一下貴行去年的經(jīng)營(yíng)狀況?

　　E:Fine. As of December 31st 1994, the Northland's ZB Bank Corporation was the sixth largest in USA,

　　愛(ài)：很樂(lè)意。到1994年12月31日為止，本銀行-北方ZB銀行集團(tuán)，名列美國(guó)第六名。

　　based on stockholders' equity, and the seventh largest based on deposits.

　　第六名是按照股本產(chǎn)權(quán)來(lái)統(tǒng)計(jì)的。如按銀行存款額來(lái)統(tǒng)計(jì)，則名列全美國(guó)第七。

　　The bank has more than 980 offices around the world.

　　目前本銀行有980個(gè)辦事處分布在全球各地。

　　V:You have an office in Beijing, don't you?

　　代表：你們?cè)诒本┮灿修k事處吧?

　　E:Yes, that's right. Actually, we have three offices in China.

　　愛(ài)：是啊!在中國(guó)我們目前有3個(gè)辦事處。

　　We established our offices first in Beijing, then in Shanghai and in Guangzhou.

　　第一個(gè)我們?cè)O(shè)在北京，接著在上海及廣州也設(shè)立了辦事處。

　　We're thinking of opening another two in Tianjin and Suzhou next year.

　　我們正考慮明年在天津和蘇州各設(shè)一個(gè)辦事處。

　　V:That's terrific. I'm from Suzhou, which is developing rapidly.

　　代表：太巧了。我是蘇州人。蘇州發(fā)展非常快速。

　　E:Really? I hope we will discuss the financial situation in Suzhou sometime later on.

　　愛(ài)：真的啊!我希望我們能抽出空談?wù)勌K州的金融狀況。

　　V:I'd like to if I can be of any help.

　　代表：能對(duì)您有用的話，我很樂(lè)意的。

　　E:Now, let's begin with income of our bank last year.

　　愛(ài)：現(xiàn)在我來(lái)說(shuō)說(shuō)本行去年的收益狀況。

　　V:Your total group income in 1994 amounted to one hundred and fifty-five million US dollars compared with one hundred and thirty-five million US dollars for fiscal 1993.

　　代表：貴行1994年總收入為1.55億美元,而1993年則為1.35億美元，

　　That's an increase of...

　　增長(zhǎng)了....

　　E:Of nearly fifteen per cent over the year before last,

　　E：差不多增長(zhǎng)了15%，

　　a rate of increase slightly above that of recent years.

　　是最近幾年增長(zhǎng)率較高的一年。

　　V:Your net interest earning at the end of 1994 reached ninetynine million dollars.

　　代表：你們1994年底投資收益達(dá)到9 900萬(wàn)美元。

　　E:That's exact good news for us. In the financial year 1994,

　　愛(ài)：對(duì)我們來(lái)說(shuō)，是相當(dāng)令人振奮的。在1994年這個(gè)財(cái)政年度里，

　　interest received amounted to six hundred and fifteen million dollars and interest paid to five hundred and sixteen million.

　　利益收入達(dá)到6.15億美元,而支付的利息為5.16億美元。

　　V:So, that's almost ten per cent up over the 1993 figure.

　　代表：這樣說(shuō)來(lái)，這個(gè)數(shù)目比1993年增長(zhǎng)了約10%。

　　E:Yes, the net interest income is pretty satisfactory indeed,

　　愛(ài)：是呀，這個(gè)凈利潤(rùn)令我們非常滿意，

　　in what is, as you know, an intensely competitive market.

　　正如大家所知道的那樣，這是個(gè)競(jìng)爭(zhēng)非常激烈的市場(chǎng)。

　　V:Oh, you also achieved a significant increase in non-interest income.

　　代表：噢，你們?cè)诜抢⑹杖脒@一塊也獲得了很大的收益。

　　E:Yes, our non-interest income increases from forty-six million in 1993 to fifty-six million dollars at the end of the fiscal year 1994.

　　愛(ài)：是啊，我們的非利息收入從1993年的4600萬(wàn)美元增長(zhǎng)到1994年底的5 600萬(wàn)美元。

　　You know, a part of the bank's policy is to limit dependence on net interest as a source of income and to develop its fee and commission earning activities.

　　大家都知道，本行的政策之一就是不僅僅是依靠貸款獲利，更重要的是應(yīng)當(dāng)通過(guò)其它方式，如賺取服務(wù)費(fèi)，傭金等方式來(lái)增加本行的收益。

　　So 1994 income in this area accounted for a two per cent higher contribution to total income than was the case in 1993.

　　因此，與1993年相比，這部分的收益占本行總收入的比重增長(zhǎng)了兩個(gè)百分點(diǎn)。

　　V:Yes, this is really an encouraging trend since the economic environment in general is changing.

　　代表：對(duì)呀。正因?yàn)榭偟慕?jīng)濟(jì)環(huán)境在變化，這真是一個(gè)令人鼓舞的發(fā)展趨勢(shì)。

　　It also shows your response to the sensitivity of interest rates in particular.

　　銀行利率的升降特別敏感，但貴行卻能調(diào)整對(duì)策，作出及時(shí)的反應(yīng)。

　　E:Due to non-interest income of fifty-six million dollars,

　　愛(ài)：由于1994年的非常利息收入有5600萬(wàn)美元，

　　our total group income in 1994 was twenty million dollars higher than the pervious financial year.

　　與1993年相比，我們銀行1994年財(cái)政年度的總收入增加了2000萬(wàn)美元。

　　金融英語(yǔ)口語(yǔ)：Bank Performan 2

　　New Words

　　新單詞

　　outgoings n.

　　開(kāi)支，開(kāi)銷

　　provision n.

　　備付

　　premises n.

　　房屋

　　previous adj.

　　以前的，先的

　　illustrate v.

　　說(shuō)明闡明

　　footing n.

　　合計(jì)

　　allocation n.

　　分配

　　reserve n.

　　儲(chǔ)備金

　　Phrases & Expressions

　　fee-generating activities

　　增加費(fèi)用的活動(dòng)

　　leased assets

　　租賃資產(chǎn)

　　in addition

　　另外

　　E:We've seen the income before our coffee break; now let's look at the outgoings.

　　愛(ài)：我們?cè)诤瓤Х刃菹⒁郧翱吹搅吮拘械氖找媲闆r，現(xiàn)在再來(lái)看看支出情況。

　　V:What is the largest amount of money you spent in 1994?

　　代表：那么貴行1994年最大的支出項(xiàng)目是什么呢?

　　E:Obviously, the largest of these is staff costs.

　　愛(ài)：很明顯，支出中最大的一塊是員工開(kāi)銷。

　　It increased from fifty-five million dollars in the fiscal 1993 to sixty-five million dollars at the end of 1994.

　　1993財(cái)政年度為500美元，到1994年底，就增長(zhǎng)到6500萬(wàn)美元，

　　It covers forty-two per cent in the total group outgoings.

　　占了總支出的42%。

　　V:Why is the increase as large as eighteen per cent?

　　代表：為什么這部分支出的增長(zhǎng)率高達(dá)18%呢?

　　E:It is partly because of the increase in staff numbers required to deal with the expansion of the bank's fee-generating activities which I have just mentioned in the income section.

　　愛(ài)：這一方面是由于增加了職工人數(shù)，用于從事前面我所提到的增加服務(wù)傭金等工作。

　　V:How about doubtful debt provision and depreciation?

　　代表：那么壞帳充資金和折舊費(fèi)用呢?

　　E:Provisions for doubtful debts amounted to eight million dollars,

　　愛(ài)：壞帳抵充資金高達(dá)800萬(wàn)美元，

　　an increase of sixty per cent;

　　增長(zhǎng)了60% 。

　　while depreciation on leased assets and on premises and equipment decreased from sixteen million dollars to fifteen million dollars.

　　而租賃資產(chǎn)的折舊費(fèi)以及營(yíng)業(yè)大樓。設(shè)備的折舊費(fèi)則從1 600萬(wàn)美元降至1500美元。

　　V:Is depreciation calculated on a straight line basis?

　　代表：折舊費(fèi)是采用直線折舊法來(lái)計(jì)算的嗎?

　　E:Yes, that' how we calculate depreciation.

　　愛(ài)：是的，我們就是按照直線折舊法來(lái)算的。

　　V:Besides the largest of outgoings, staff costs, as well as provision for doubtful debts and depreciation,

　　代表：除去員工費(fèi)用最大的一塊支出，以及壞帳準(zhǔn)備金及折舊費(fèi)之外，

　　how about expenses, on tax, dividends?

　　其它，如納稅和股票支出情況呢?

　　E:Tax, not much to say really. We paid five million dollars more than in 1993.

　　愛(ài)：稅，真的不必多說(shuō)。1994年這一財(cái)政年度，我們比1993年多交納稅多500萬(wàn)美元，

　　That is, we paid up to twenty-five million dollars in the financial year of 1994.

　　即達(dá)2 500萬(wàn)美元。

　　As for dividends paid to our shareholders,

　　我們支付給股東們的股息，

　　they remained unchanged over the previous fiscal year at five million dollars.

　　則與1993年底持平，均為500 萬(wàn)美。

　　V:How so?

　　代表：就這么多?

　　E:Because the major part of the year's profit was retained to expand our consolidated capital base.

　　愛(ài)：因?yàn)槲覀儧Q定保留1994年度大部分利潤(rùn)來(lái)擴(kuò)大我行的合并資本。

　　This was the first year in which our balance sheet footings passed the three billion dollars mark.

　　1994年是我們的資產(chǎn)負(fù)債表上累計(jì)超過(guò)30億美元的第一年。

　　V:In addition, is there any sharp increase in other costs?

　　代表：除此以外，其它費(fèi)用還有哪些部分增長(zhǎng)迅速嗎?

　　E:No. On the contrary, other expenses increased by only a little under seventeen per cent.

　　愛(ài)：沒(méi)有了。相對(duì)說(shuō)來(lái)，其它費(fèi)用只增長(zhǎng)了一點(diǎn)點(diǎn)，不到17%。

　　That's the smallest annual increase since 1989.

　　這是1989年以來(lái)支出年度增長(zhǎng)最少的一年。

　　Personally, I think it illustrates our determination to bring costs under control.

　　我個(gè)人的看法是：以上這些數(shù)字表明我們控制費(fèi)用增長(zhǎng)額度的決心。

　　V:What's your yearly profit after paying dividends to shareholders?

　　代表：扣除股東的股息，貴行的年利潤(rùn)有多少?

　　E:After allocation of the dividends, there remained a net undistributed balance for the year of nine million dollars.

　　愛(ài)：支付完股東的股息后，剩下的非分配利潤(rùn)有900萬(wàn)美元，

　　The total amount was transferred to reserves to cover unexpected events.

　　用作應(yīng)付特別緊急的需要的儲(chǔ)備金。

　　V:So as your annual report indicates, all this adds up to total group outgoings of one hundred and fifty-five million dollars.

　　代表：所以說(shuō)，正如你們的年度報(bào)表寫(xiě)明的，貴行支出總額為1.55億美元。

　　E:Yes,the figure of total group outgoings exactly balances out with the total income.

　　愛(ài)：對(duì)，這部分支出額與總收入相平衡。

　　V:Now, we have a clearer picture of the source of income and the application of income for your bank in 1994 compared with 1993.

　　代表：到現(xiàn)在為止，我們對(duì)貴行1994年度的收入及其使用情況，以及與1993年的對(duì)比情況，都有了清晰的了解。

　　\

　　金融英語(yǔ)口語(yǔ)：ARE

　　New Words

　　新單詞

　　absent adj.

　　缺席，不在

　　loan n.

　　貸款

　　abacus n.

　　算盤(pán)

　　competition n.

　　比賽，競(jìng)爭(zhēng)

　　adjustment n.

　　調(diào)整，調(diào)節(jié)

　　grain n.

　　谷物

　　encourage v.

　　促進(jìn)，鼓勵(lì)

　　agricultural adj.

　　農(nóng)業(yè)的

　　review v.

　　復(fù)習(xí)

　　accounting n.

　　會(huì)計(jì)學(xué)

　　principle n.

　　原理，原則

　　Phrases & Expressions

　　短語(yǔ)

　　the Department of International Finance

　　國(guó)際金融系

　　duty free

　　免稅

　　1.Are all students of the Department of International Finance here?

　　國(guó)際金融系的學(xué)生是否都到了?

　　-No, some are absent.

　　不，還有幾位沒(méi)有到。

　　2.Are all these goods duty free?

　　這些商品是否都免稅?

　　-No, only half of them are.

　　不，其中一半是免稅的。

　　3.Are there any other opinions?

　　還有其他意見(jiàn)嗎?

　　-No, there aren't. We all agree on foreign loans.

　　沒(méi)有了，我們都同意通過(guò)外資借款。

　　4.Are the students ready now, Ma Ling?

　　4.馬林，學(xué)生都準(zhǔn)備好了沒(méi)有?

　　-Yes, we can start the abacus competition.

　　都準(zhǔn)備好了，現(xiàn)在可以開(kāi)始珠算比賽。

　　5.Are Sam and Ann in high school or in college?

　　5.薩姆和安是在中學(xué)還是在大學(xué)里學(xué)習(xí)?

　　-They are both in college?

　　他們都在大學(xué)里學(xué)習(xí)。

　　6.Are you feeling more at home in your new job?

　　6.新工作讓你感到挺輕松嗎?

　　-Yes, I am. Sometimes there are problems, though.

　　是，不過(guò)有時(shí)還會(huì)遇到一些困難。

　　7.Are we going to see an adjustment in the grain price?

　　7.糧食價(jià)格是否還會(huì)上調(diào)?

　　-Yes, we will. We hope it will encourage our agricultural production.

　　會(huì)上調(diào)，我們希望通過(guò)上調(diào)鼓勵(lì)和促進(jìn)農(nóng)業(yè)生產(chǎn)。

　　8.Are they reviewing the lessons on accounting principles?

　　8.他們是否在復(fù)習(xí)會(huì)計(jì)原理?

　　-Yes, they are.

　　是，他們正在進(jìn)行復(fù)習(xí)。

　　9.Are there any oranges in the kitchen?

　　廚房里還有橘子嗎?

　　-No, I'm sorry. There aren't any.

　　真抱歉，沒(méi)有了。

　　10. Are you leaving for the bus station at nine o'clock?

　　10.你打算9點(diǎn)鐘去公共汽車(chē)站嗎?

　　-I'm going earlier than that. My bus leaves at nine fifteen.

　　我要在9點(diǎn)以前走，我那班車(chē)9點(diǎn)一刻就要開(kāi)。

　　11.There are some factories in the city, aren't there?

　　11.這所城市有一些工廠，是嗎?

　　-Yes, there have been many.

　　是，這里已有很多工廠。

　　12.You are doing your homework tonight, aren't you?

　　12.你打算今晚做作業(yè)，是不是?

　　-No, I'm not.

　　不，我不打算在今天晚上做。