情景英语口语100主题 022banks银行

022 banks

Words
Borrow lend mortgage load interest deposit withdraw overdraft¹ overdrawn²
Cash point/ATM cheque/checkl currency exchange rate convert transaction bank clerk
Phrases
Cash a cheque
Open an account
Exchange currency
Conduct a transaction
Make a withdrawal³
Write a cheque
Use an ATM card
Get an overdraft
Enter you PIN
Insert your card
Press the button
Use a credit card

Beginner
A: how do you use an ATM card, billy?
B: it’s easy grandpa. Insert you card into the machine here. Then wait a moment. Ok. Now you enter your PIN. It should have four numbers.
A: oh yes. I’ve got it written down here. Just a minute.
B; you really shouldn’t write it down. You should memorise⁴ it. You can change it to a more convenient number if you like.
A: ok, I’ve entered my PIN. There are several options on the screen. I guess I just choose which service I want, don’t I ？
B: Yes. Choose the service you need to use. If you choose to withdraw money, the machine will ask you how much you want.
A: I can just enter the amount using the key, right?
B: that’s right. Give the machine a moment to process you request. Then take your money.
A: these machines aren’t very difficult to use. In fact, I quite like them. They are much faster than dealing⁵ with a band clerk.

Intermediate
A: which service offered by your band do you use most?
B; I use several services. Of course, I deposit and withdraw money quite often. I often use my ATM card to take money out of my current account. I use my bank to exchange money form once currency to another. I often travel abroad, you see.
A: do you ever ask you bank for traveller’s cheques? They are much safer than carrying lots of cash around.
B: I sometimes use traveller’s cheques, but sometimes I travel to countries where they are hard to exchange for cash.
A: do you use your bank to pay your utility bills? I use direct debit⁶.
B: yes, I do. It save me a lot of time. I also have standing⁷ orders for my subscriptions⁸ to magazines.
A: that’s good idea. You don’t need to worry about missing an issue of a magazine if you do that. I suppose you have a mortgage too.
B: yes. My bank offers very good terms and conditions on mortgage. There’s a lot of competition between banks nowadays. Each one is trying to offer better conditions and services than the others.
A: I have a deposit account with my bank. There are some restrictions⁹ on withdrawing money, but the interest rate is much higher.
B: I don’t have one. I prefer to buy shares. My bank also provides a share trading service. It’s cheap and easy to use.
A: that’s great. But I prefer to put my money somewhere where the returns are more certain

1 overdraft   

n.透支，透支额

参考例句：

• Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款，她将面临诉讼。
• An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。

2 overdrawn   

透支( overdraw的过去分词 )； (overdraw的过去分词)

参考例句：

• The characters in this novel are rather overdrawn. 这本小说中的人物描写得有些夸张。
• His account of the bank robbery is somewhat overdrawn. 他对银行抢案的叙述有些夸张。

3 withdrawal   

n.取回，提款；撤退，撤军；收回，撤销

参考例句：

• The police were forced to make a tactical withdrawal.警方被迫进行战术撤退。
• They insisted upon a withdrawal of the statement and a public apology.他们坚持要收回那些话并公开道歉。

4 memorise   

vt.记住，熟记

参考例句：

• An actor must be able to memorise his lines.演员须善于熟记台词。
• I shall try to memorise all these phrases.我要熟记所有这些词组。

5 dealing   

n.经商方法，待人态度

参考例句：

• This store has an excellent reputation for fair dealing.该商店因买卖公道而享有极高的声誉。
• His fair dealing earned our confidence.他的诚实的行为获得我们的信任。

6 debit   

n.借方，借项，记人借方的款项

参考例句：

• To whom shall I debit this sum?此款应记入谁的账户的借方？
• We undercharge Mr.Smith and have to send him a debit note for the extra amount.我们少收了史密斯先生的钱，只得给他寄去一张借条所要欠款。

7 standing   

n.持续，地位；adj.永久的，不动的，直立的，不流动的

参考例句：

• After the earthquake only a few houses were left standing.地震过后只有几幢房屋还立着。
• They're standing out against any change in the law.他们坚决反对对法律做任何修改。

8 subscriptions   

n.（报刊等的）订阅费( subscription的名词复数 )；捐款；（俱乐部的）会员费；捐助

参考例句：

• Subscriptions to these magazines can be paid in at the post office. 这些杂志的订阅费可以在邮局缴纳。 来自《简明英汉词典》
• Payment of subscriptions should be made to the club secretary. 会费应交给俱乐部秘书。 来自《简明英汉词典》

9 restrictions   

约束( restriction的名词复数 )； 管制； 制约因素； 带限制性的条件（或规则）

参考例句：

• I found the restrictions irksome. 我对那些限制感到很烦。
• a snaggle of restrictions 杂乱无章的种种限制