银行业务双语阅读

　　下面学习啦小编为大家带来金融英语银行业务双语阅读，欢迎大家学习!

　　银行业务双语阅读：外币携带证业务

　　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.

　　在银行存有外币的储户，如获准出境定居、探亲、旅游、考察、学习等需要提取外币存款，携带外币出境时，可向原存款营业网点提出申请，银行将按规定签发“携带外币出境许可证”。

　　银行业务双语阅读：外币兑换业务

　　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.

　　银行可按当日牌价为您办理人民币与外币的兑换。可兑换的货币包括：美元、港币、日元、欧元、英镑、瑞士法郎、澳大利亚元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麦克郎、澳门元和新西兰元等。 银行可办理公派出国团组的购汇业务。您只需持外汇管理局审批的出国批件，经银行审核无误后即可予以供汇。境外人员离境前，可在银行凭本人护照和六个月内原工商银行外币兑换水单将入境时兑换的未用完的人民币兑回外币。

　　银行业务双语阅读：存款证明业务

　　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.

　　在银行存满三个月以上的外币定期储蓄存款 ，需要办理申请出国手续或其他原因要求银行开具“储蓄存款证明书”时，可向原存款营业网点提供可靠文件材料(如索取证明方面的有关文件)，填具“申请承诺书”，经审查后，由银行开具“储蓄存款证明书”，以满足客户办理出境签证或其他原因的需求。

　　银行业务双语阅读：银行代收代付中间业务

　　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.

　　目前银行开办的“代收代付等中间业务”主要有代缴费、代发薪、代股票资金转账业务、代证券交易委托、代理保险业务等，是银行提供的一种服务。

　　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、代缴费业务

　　代缴费业务，是银行代理收费单位(邮电、电、气、供水等部门)向其用户收取费用的一种转账结算业务。 收费单位与用户均应在代理银行开立活期存款账户，银行定期在协议规定的收费日，从用户存款账户中按收费单位所列收费清单扣划给收费单位，并按用户交款笔数收取手续费。客户也可以现金方式在银行柜台缴费，如代收电话费、移动电话费、交通违章罚款、保险费等。

　　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、代发薪业务

　　代发薪业务是银行受国家机关、行政事业单位及企业的委托，通过其在银行开立的活期储蓄账户，直接向本单位职工发放工资的业务。

　　其办理手续是：经银行和发薪单位协商后，发薪单位填写代发薪委托书给银行，单位每位职工要在经办银行开立活期存款账户，银行发给存折或ATM卡，凭存折或ATM卡支取。此业务改变了客户传统习惯，变“先用后存”为“先存后用”，方便了客户。

　　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、代理股票交易业务

　　目前银行代理股票交易业务主要有：提供银证转账服务和代理股票交易委托服务。(1)银证转账服务：通过我行储蓄机构柜台、电话银行服务和自助终端等方式，向客户提供银行存款账户与证券保证金账户之间的相互转账。 (2)代理股票交易委托服务是为方便股民认购和股票交易，当发生股票交易时，银行可代理证券公司，从股民活期存款账户中为其办理股票交易资金收付转账结算。

　　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、代理保险业务

　　银行代理平安保险等保险公司的部分寿险业务，客户在中国银行储蓄机构就可以完成从投保、交费到出单、保全等全部投保业务环节。

　　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、兑凭证式国库券

　　银行所有储蓄机构网点代售、兑凭证式国库券。