普通人因为缺少专业的投资理财入门知识，在银行理财时总是会为难到底怎么样选择理财项目、怎么样了解理财项目说明书、怎么样分辨该商品的优劣，这个时候可能就需要与银行员工交流，今天和大伙推荐一下与银行投资理财服务有关的英语常识。
银行投资理财服务常用英语单词
account n.账户
charge n.成本；v.收费
appointment n.预约，指定
cheque n.支票
confirmatory adj.确定的，证实的
charter n.许可证，执照；v.特许，发给特许执照
current account/checking account 活期存款；常常账户
银行投资理财服务常用英语句子
客户用语
① How about the interest？I’m not really happy with the interest I'm receiving through my Current Account.
利息的状况怎么样？对于我的活期存款账户中得到的利息，我不是非常认可。
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？
我可以用一张卡来操作多个账户吗？譬如，假如我有两个或三个账户，并且想把钱从一个账户转到另一个账户，行吗？
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.
我收到了一些你们寄给我的传单，其中的一张提到你们有一项新的服务，说你们可以在这家银行与证券公司之间转账。
④ I’m not sure which would be better for me; buying some insurance or putting my money in a Savings Deposit.
我不了解哪一项对我来讲更好，是买一些保险还是把钱存起来。
⑤ I’m mostly interested in the personalized services you offer，with stock market news, etc.
我最有兴趣的是你们提供的个性化服务，提供股市新闻等等。
员工用语
① Are you here to get some advice about our new Personal Financing Program?
你是来咨询有关大家的新的个人投资理财业务的吧？
② The account is a compound savings account, which is in RMB and Forex. 这个账户是一种集本币和外币为一体的复合型存款账户。
③ You can have a Moneylink car. You can also base the account on time deposits. The choice is yours.
你会得到一张灵通卡。你还可以使你的账户基于按期存款形式。你自己来决定存款形式。
④ The interest on this new account is higher than any of the accounts in our Personal Financing.
这个新账户的利息高于大家开办的个人投资理财业务的其他各种账户。
⑤ You can have multi- accounts on the card, you can also make transfers from the account and securities companies and various other benefits.
你可以用一卡多户形式，而且你还能把钱从你的账户与你的证券账户转出来，你还有其他的一些好处。
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.
大家可以为你提供量身订做的咨询服务，为你提供最新的股市行情，并且帮助你规划投资的具体操作。
银行投资理财服务口语情景对话
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，你看起来有点儿不知所措。我可以帮忙吗？
B：是如此的，我这里搞到了所有这类信息，所有这类传单，但我对此完全摸不着头脑。
A：我了解了。你有兴趣的到底是什么呢？
B：我不了解哪一项对我来讲更好，是买一些保险还是把钱存起来。
A：嗯，这所有完全取决于你想投资的数额。
B：我想大约投10000元。
A：这是一个挺好筹算的整数！好的，假如你购买这种保险的话，你每年的从中得到的固定收入将是94.35元。
B：那样用于储蓄呢？
A：用于储蓄存款的话，你事实上可以得到更多。你瞧，存按期存款的话，利率在扣除20％的利息税后是1.58％。因此，非常显然你可以多得到超越三分之一的利息。
B：哇！超越三分之一呀？很好。
