銀行業務雙語閱讀

　　下面學習啦小編為大家帶來金融英語銀行業務雙語閱讀，歡迎大家學習!

　　銀行業務雙語閱讀：外幣攜帶證業務

　　The bank' s client with foreign currency deposit account need withdraw foreign exchange and take foreign currency to go abroad after his successful application for settling down abroad or visiting families, traveling, investigating or studying is approved, he can make an application to the original business office. The bank is to issue a “Foreign Exchange Holding Permit for Going Abroad ” to the client according to provisions.

　　在銀行存有外幣的儲戶，如獲準出境定居、探親、旅游、考察、學習等需要提取外幣存款，攜帶外幣出境時，可向原存款營業網點提出申請，銀行將按規定簽發“攜帶外幣出境許可證”。

　　銀行業務雙語閱讀：外幣兌換業務

　　Banks can handle the exchange between RMB and foreign currencies at current quotations on the day. Convertible currencies include US dollar, HK dollar, Japanese yen, Euro, English pound, Swiss franc, Australian dollar, Singapore dollar, Norwegian krone, Danish krone, Macao pataca, New Zealand dollar, and etc. The banks can handle foreign exchange purchase for official foreign visit groups. You are only required to take the exit paper approved by the Administration of Foreign Exchange for the bank's examination before acquiring foreign exchange. Foreigners leaving the country can convert the unused RMB, which were converted when they entered the country, into foreign currencies according to their passports and original foreign currency conversion receipts within six months.

　　銀行可按當日牌價為您辦理人民幣與外幣的兌換。可兌換的貨幣包括：美元、港幣、日元、歐元、英鎊、瑞士法郎、澳大利亞元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麥克郎、澳門元和新西蘭元等。 銀行可辦理公派出國團組的購匯業務。您只需持外匯管理局審批的出國批件，經銀行審核無誤后即可予以供匯。境外人員離境前，可在銀行憑本人護照和六個月內原工商銀行外幣兌換水單將入境時兌換的未用完的人民幣兌回外幣。

　　銀行業務雙語閱讀：存款證明業務

　　The client having a foreign currency time deposit account in a bank with the term longer than 3 months need the bank to issue a “Deposit Certificate” so as to go through procedures to go aboard or for other reasons, he can provide the original business office with detailed and reliable documents (such as the documents related to the certificate) and fill in an “Application & Commitment Form”. After examination, the bank is to issue a “Deposit Certificate” so as to meet the needs of the client in visa application or other issues.

　　在銀行存滿三個月以上的外幣定期儲蓄存款 ，需要辦理申請出國手續或其他原因要求銀行開具“儲蓄存款證明書”時，可向原存款營業網點提供可靠文件材料(如索取證明方面的有關文件)，填具“申請承諾書”，經審查后，由銀行開具“儲蓄存款證明書”，以滿足客戶辦理出境簽證或其他原因的需求。

　　銀行業務雙語閱讀：銀行代收代付中間業務

　　A bank, acting as agent, currently provides such fee-based business as paying fees, giving pay packets, handling stock fund transfer service, handling securities trading settlement and handling insurance service. All these are intermediary services of the bank.

　　目前銀行開辦的“代收代付等中間業務”主要有代繳費、代發薪、代股票資金轉賬業務、代證券交易委托、代理保險業務等，是銀行提供的一種服務。

　　1.Bill Payment Service

　　Bill payment service is a kind of transfer settlement service in which the bank collects as agent of fee collectors (such as postal, power, gas and water supply departments) fees from their users. All the fee collectors and their users shall open current accounts with the agent bank. On every day of fee collection provided in the agreements, the bank regularly debits the accounts of the users with the amounts listed in the fee collection sheets of the collectors and brings them to the credit of the accounts of the collectors, and also takes commissions according to the number of payments by the users. The clients may also pay such fees, say, fixed telephone charges, mobile phone charges, traffic violation fines, insurance premiums, etc., in cash across the bank counters.

　　1、代繳費業務

　　代繳費業務，是銀行代理收費單位(郵電、電、氣、供水等部門)向其用戶收取費用的一種轉賬結算業務。 收費單位與用戶均應在代理銀行開立活期存款賬戶，銀行定期在協議規定的收費日，從用戶存款賬戶中按收費單位所列收費清單扣劃給收費單位，并按用戶交款筆數收取手續費。客戶也可以現金方式在銀行柜臺繳費，如代收電話費、移動電話費、交通違章罰款、保險費等。

　　2.Automatic Deposit Service

　　Automatic deposit service is a kind of service in which the bank grants with the trust of state organs, public institutions and enterprises pays directly to their staff members and workers through their current accounts opened with the bank. The handling procedures are as follows: after consultations between the bank and the pay issuer, the latter shall fill in and give a letter of authorization for pay giving on commission to the bank, each staff member of the pay issuer shall open a current account with the bank who in turn issues to them passbooks or ATM cards with which they may withdraw their deposits. This kind of business changes the traditional practice of clients and is more convenient for the clients as it changes the practice of “use before depositing” to “use after depositing”.

　　2、代發薪業務

　　代發薪業務是銀行受國家機關、行政事業單位及企業的委托，通過其在銀行開立的活期儲蓄賬戶，直接向本單位職工發放工資的業務。

　　其辦理手續是：經銀行和發薪單位協商后，發薪單位填寫代發薪委托書給銀行，單位每位職工要在經辦銀行開立活期存款賬戶，銀行發給存折或ATM卡，憑存折或ATM卡支取。此業務改變了客戶傳統習慣，變“先用后存”為“先存后用”，方便了客戶。

　　3.Transfer Service For Security Company

　　Currently, the bank's main agency services for stock trading include banking-securities transfer service and stock trading settlement service on commission. (1)Banking-securities transfer service: it refers to service of mutual transfers between accounts of bank deposits and accounts of securities margins provided to clients through such methods as savings counters, telephone banking service and POS system of the bank.

　　(2)Stock trading settlement service on commission refers to receipt, payment, transfer and settlement of stock trading funds through the current account of a stock investor that is handled by the bank as agent of the securities company when a stock transaction takes place. This is aimed to facilitate share subscription and trading of stock investors.

　　3、代理股票交易業務

　　目前銀行代理股票交易業務主要有：提供銀證轉賬服務和代理股票交易委托服務。(1)銀證轉賬服務：通過我行儲蓄機構柜臺、電話銀行服務和自助終端等方式，向客戶提供銀行存款賬戶與證券保證金賬戶之間的相互轉賬。 (2)代理股票交易委托服務是為方便股民認購和股票交易，當發生股票交易時，銀行可代理證券公司，從股民活期存款賬戶中為其辦理股票交易資金收付轉賬結算。

　　4.Bancassurance

　　Bancassurance service is available now from Bank of China,an agent for insurance companies,such as Ping¡¯an.A client may complete the whole range of insurance operations from effecting insurance and paying premiums to getting policy and preservation at a savings outlet of the bank of china.

　　4、代理保險業務

　　銀行代理平安保險等保險公司的部分壽險業務，客戶在中國銀行儲蓄機構就可以完成從投保、交費到出單、保全等全部投保業務環節。

　　5.Selling and Redeeming Book-entry Treasury Bonds on Commission

　　All savings outlets of the bank sell and redeem book-entry treasury bonds on commission.

　　5、代售、兌憑證式國庫券

　　銀行所有儲蓄機構網點代售、兌憑證式國庫券。