金融英語(yǔ)經(jīng)典情景對(duì)話

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　　經(jīng)典情景對(duì)話：票據(jù)交換所

　　Bill Hobson is asking his banker about the local Clearing House Association in their city.

　　比爾·霍布森正向他的銀行從業(yè)者打聽(tīng)有關(guān)他們城里的地方票據(jù)交換所的情況。

　　Hobson:What is meant by the term Clearing House Association ?

　　霍布森：票據(jù)交換是什么意思?

　　Banker:It's a voluntary association of the banks in the city which settles interbank debts .

　　職員：它是城市中各銀行自愿結(jié)合的組織，用來(lái)清理銀行之間互相欠款的問(wèn)題。

　　During a business day we accept checks drawn on other banks and other banks accept checks drawn on us.

　　在營(yíng)業(yè)期間，我們接受從其他銀行開(kāi)來(lái)的支票，而其他的銀行也接受我的開(kāi)出的支票，

　　We balance these interbank obligations through the clearing house .

　　我們通過(guò)票據(jù)交換所來(lái)平衡這些銀行之間的債務(wù)。

　　H:What about the actual checks that you get which are drawn on other banks?

　　霍布森：你們接受從其他銀行開(kāi)出的支票的實(shí)際意義是什么呢?

　　B;Of course ,we must give these checks to drawee bank to collect the funds they owe us .

　　職員：當(dāng)然，我們必須把這些支票交給票據(jù)付款行，并且收回他們欠我們的資金。

　　And they give us checks drawn ourselves to collect the funds we owe them .

　　同樣，他們把我們開(kāi)出的支票交還給我們，也收回我們欠他們的資金。

　　H:So the clearing house handles all this ?

　　職員：因此，票據(jù)交換所就是辦理這些事情的。

　　B:Yes,they separate all the checks according to drawee bank ,

　　職員：是的，他們按照票據(jù)付款行區(qū)分開(kāi)所有的支票，

　　add the total each bank owes and deduct that from the balance maintained at the clearing house .

　　把每個(gè)銀行對(duì)其他行的欠款額加總，再?gòu)母縻y行保留在標(biāo)據(jù)交換所的余額中減去其欠款總額。

　　And ,of course,they add to the balance the amount each bank is owed.

　　當(dāng)然，還要把其他銀行對(duì)這個(gè)銀行的欠款加到余額中去。

　　Then they deliver the actual checks to each drawee bank .

　　然后，票據(jù)交換所把這些實(shí)際的支票交給每個(gè)標(biāo)據(jù)付款行。

　　H:What about checks drawn on banks outside the city ?

　　霍布森：那么，從外地銀行開(kāi)出的支票又如何處理呢?

　　B:The clearing house sends those checks to the Federal Reserve Bank's collection and clearing service .

　　職員：票據(jù)交換所把這些支票寄給聯(lián)邦儲(chǔ)蓄銀行的托收和票據(jù)交換業(yè)務(wù)部門(mén)，

　　That operates just like a local clearing house ,but deals with out-of-town or out-of-state banks .

　　這個(gè)部門(mén)的業(yè)務(wù)與地方票據(jù)交換所的業(yè)務(wù)性質(zhì)是一樣的，但是它是與處地或外州的銀行進(jìn)行業(yè)務(wù)往來(lái)。

　　So between the local and Federal Reserve clearing houses,checks drawn on any bank in the country can be easily processed .

　　因此，在地方和聯(lián)邦票據(jù)交換所之間，國(guó)內(nèi)任何銀行開(kāi)出的支票都能很容易地得到處理。

　　經(jīng)典情景對(duì)話：匯票貼現(xiàn)

　　A bank clerk receives a telephone call from a businessman inquiring about discounting a bill of exchange.

　　銀行職員接到了一個(gè)商人打來(lái)的電話，詢問(wèn)有關(guān)匯票貼現(xiàn)的事情。

　　Clerk:First National Bank.May I help you ?

　　職員：這里是第一國(guó)民銀行，我可以為您做什么?

　　Businessman:Yes,please,I'd like to get some information about discounting a bill of exchange .

　　商人：是的，我想了解一些有關(guān)匯票貼現(xiàn)方面的情況，

　　Do you do that?

　　你們銀行有這項(xiàng)業(yè)務(wù)嗎?

　　C:Yes ,sir .We can handle the discounting of bills of exchange if they meet certain criteria.

　　職員：是的，先生。我們能夠辦理匯票貼現(xiàn)，只要這些匯票是合乎一定標(biāo)準(zhǔn)的。

　　Can you tell what kind of a bill you have?

　　您能否告訴我，您持有的是哪一種匯票嗎?

　　B:Yes,it's a ninety-day bill for ,750.00.It matures about two months from now.

　　商人：可以的。我有一張90天的面值為6，750美元的匯票，從現(xiàn)在起還有兩個(gè)月到期。

　　I didn't think we'd have to discount it ,but I need the working capital right now.

　　我本身并不是很情愿地想貼現(xiàn)這張匯票，但是我眼下急需流動(dòng)資金。

　　How do I discount it ?

　　您說(shuō)，這怎樣才能把這張匯票貼現(xiàn)呢?

　　C:Well ,we can discount certain trade and commercial bills and certain trade acceptances in addition to most bankers acceptances .

　　職員：噢，除了大多數(shù)銀行可承兌的票據(jù)外，我們還貼現(xiàn)某些貿(mào)易，商業(yè)票據(jù)以及某些貿(mào)易可承兌票據(jù)。

　　The discount rate depends on the terms of the bill,the amount ,the reputation of the drawee and the reputation of the drawer.

　　但是貼現(xiàn)率取決于票據(jù)的期限、金額、付款人和開(kāi)票人的聲譽(yù)。

　　B:Why does it depend on drawer's reputation or financial status?

　　商人：為什么貼現(xiàn)率要取決于開(kāi)票人的聲譽(yù)和財(cái)政狀況呢?

　　C:Well,we discount most bills on a full-recoures basis .Should the bill be dishonoured upon presentation ,

　　職員：噢，我們是在一個(gè)完全有追索權(quán)的基礎(chǔ)上對(duì)大多數(shù)的票據(jù)貼現(xiàn)的。如果出示的票據(jù)被拒付，

　　it would be returned on recourse to the drawer.

　　那么票據(jù)就退回給開(kāi)票人，以追索款項(xiàng)。

　　B:I see ...Is it difficult to handle the paperwork? I'm not sure just what I should do .

　　商人：我明白了。辦理票據(jù)手續(xù)難辦嗎?我不太清楚我應(yīng)該做些什么。

　　C;Well,the best thing is to come in and talk with our discount officer .

　　職員：最好的辦法是到銀行來(lái)，同我們這里負(fù)責(zé)貼現(xiàn)的高級(jí)職員談?wù)劊?/p>

　　He can give you all the information you need.

　　他會(huì)告訴你所需要知道的一切信息。