银行英语口语一听就会Chapter 1 银行介绍 Unit 6 其他银行服务（3）

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[00:01.43]个人理财服务
[00:03.61]你们提供个人理财服务吗？
[00:06.96]A： Good morning, sir. What can I do for you?早上好，先生。能为您效劳吗？ 
[00:12.22]B： Good morning. Do you provide personal financing service?早上好。你们提供个人理财服务吗？
[00:24.68]Well, I began to pay attention to financing recently, since people around me are all talking about it. But I just have no idea how to do it. Could you give me some advice?周围的人们都在谈论理财，所以最近我也开始关注理财问题了。但是我对于如何理财知之甚少，你能给我一些建议吗？
[00:37.35]My pleasure, sir. I think you have found a right person. I can make you a very detailed introduction of our financing product. In March this year, our bank has just introduced a new financing management product called Banks of Communications Financing. It can provide a wide range of banking services whenever and wherever you want it.这是我的荣幸，先生。我想你找对人了。我可以非常详绌地向您介绍我们的理财产品。就在今年3月，我行推出了一顶新的理财产品叫做“交银理财”。它可以提供广泛便捷的银行理财服务。
[01:05.49]理财优势
[01:07.48]此外，您还可以享受到我行任何-位员工的一站式服务。
[01:13.31]A: Really? That’s great. What can it do for me, specifically?真的吗？太好了。它具体可以为我做什么呢？
[01:21.70]B: Simply put, it can design a super plan for your deposits, loans, funds, stocks, bond^ and so on according to your funds. That is, it can help you manage your money very well and try to make money for you. Besides, you can have one-stop personal banking service from any one of the clerks here.简单地讲，它可以根据您的资金情况为您册一套集存款，货款，基金、股票、债券等于一身的全套计划。也就是说，它可以帮助您更好地管理您的资金并且设法为您牟利。此外，您还可以享受到我行任何一员工的一站式服务。
[02:12.00]That's good. Are there more advantage?太好了。还有其他的优势吗？	
[02:16.59]Yes. It also has the following advantages: 1) queue-free exclusive VIP counter service; 2) ample information on wealth information; 3) various services of super value free of charge or at discount; 4)quick and diverse 24-hour and 365-day services on Internet and hotline!有啊。它还有以下优势：1)免排队VIP专柜服务；2)丰富的理财资讯；3)享受免费服务或超值优 惠：4)网上及电话热线快捷丰富的365天24小时服务。
[02:42.75]Terrific! But what if I am on business trip?太好了！但是如果我出差在外怎么办呢？
[02:49.52]办理理财业务
[02:52.04]那我怎么才能享有此顶服务呢?
[02:55.80]A： I think this program is very attractive to me. Then how can I enjoy this service?我想这项服务对我非常有吸引力。那我怎么才能享有此顼服务呢？	
[03:08.96]B： Any customer of our bank, with a deposit of not less than RMB 50,000 Yuan or equivalent in other currencies, can win the membership and get a Bank of Communications Financing Card. Till then our service will always be with you.只要在我行金融资产5万元以上就可立“交银理财”账户，成为“交银理财”客户。到那时，我们将为您提供终身服务。
[03:41.02]I’ll transact it for you right now.我现在就为您办理。
[03:44.77]Good morning, Mr. Wang. Our bank has started a new personal financing program. Have you heard of that?早上好，王先生！我行最近推出了一项新的个人理财业务，你听说过吗？
[03:55.14]“理财通”业务
[03:57.93]事实上，“理财通”业务是按照持卡人要求而制定的一种增值服务。
[04:04.52]A： Actually, it is a kind of value-added service made according to the special requirements of Money-link Card holders.事实上，“理财通”业务是按照持卡人要求而制定的一种增值服务。
[04:18.32]B： Can you explain it in more details?你可以详细讲一下吗？
[04:28.83]Simply put, it is a compound savings account in both RMB and foreign currency, which is based on a Money-Link Card. With this account, you can choose both time and demand deposits. That is, we can design a whole plan for deposit portfolio based on the change of the cardholder’s funds.简单地讲，它是一种建立于“灵通卡”基础上，集本外币、定活期存款为一体的复合型账户。我们可以根据您的收入情况为您制定一整套存款计划。
[04:51.58]I'm getting a clearer mind. Are there other advantages?我越来越明白了。还有其他好处吗？
[04:56.81]Yes. We also offer you many other financial services through it, like multi-accounts on a card, interbank deposit and withdrawal, account transfers between bank and securities companies, commission collection and payment, network banking and so on.有的。我们还可以为您提供许多其他的金融配套服务，如一卡多户、通存通兑、银证转账、代收代付、网上银行等多顶服务。
[05:17.30]理财方式
[05:19.94]那它是如何为我理财的呢?
[05:23.32]A： Then how does it work for me?那它是如何为我理财的呢？
[05:27.52]B： It can design a multi-deposit portfolio according to your income with the account. In this way you can enjoy both deposit and withdrawal convenience. Besides, you can get more interes than term deposit through personal financing business.它可以裉据您的收入情r为您设计多存期存款组合方案。因此，通过个人理财业务，您可以享受到存取款的便利。此外您还可以获得高于定期存款的利息。
[06:04.49]That’s great. I am very busy with my work. I think your professional financing services can help me make money. Thank you very much for your information. I will consider it seriously.太好了。我平时工作很忙，我想你们的专业理财服务会帮我盈利的。非常感谢你告诉我这么多。我会认真考虑的。
[06:17.37]You are welcome. Please contact me anytime it is needed.不必客气。您如果有需要就请与我联系。
[06:25.06]“银保通”业务
[06:27.88]我想向您介绍一种新办的业务――“银保通”。
[06:32.95]A: Good afternoon, Mr. Wang. I，d like to introduce you a newly-opened service called Bank-insurance Link.下午好，王先生。我想向您介绍一种新开办的业务――“银保通”。
[06:43.82]B： Bank-insurance Link? What is that?银保通？那是什么业务呢？
[06:54.55]Excuse me, can I transact bank-insurance link business in your bank? 请问我在贵行可以办理“银保通”业务吗？
[07:00.37]we have a new business called Bank-insurance Link. It is an integration of insurance, savings deposit and investment.这是一种集保险、储蓄和投资于一体的新业务，名叫“银保通”。
[07:12.31]银行保险理财
[07:15.37]我想知道是否能拿到比储蓄存款更高的收益？
[07:21.99]A： Hello! Can I help you, sir?下午好！能为您效劳吗？
[07:27.32]B： Well, I’ve got the product introduction of Ping An dividend-participated insurance at your bank. I’m wondering whether I can get more benefit from it than that of the savings deposit.我在你们的银行拿到了平安分红保险的产品介绍，我想知道是否能拿到比储蓄存款更高的收益？
[07:54.77]Well, it depends. Let me cite an example for you. If you use 10,000 Yuan to buy insurance the fixed income is 86.50 Yuan for one year. If you put it into time deposit, the interest rate is 1.70% after 20% interest tax. That is to say, you can get 170 Yuan.这要看情况。我给您举个例子吧，如果您用1万元来买保险，年固定收入为86.50元。而如果您存定期存款的话，一年的利率在扣除20%的利息税后是1.70%，也就是说，您可以得到170元。
[08:21.11]That means the income of time deposit for one year is 83.5 Yuan more than that of the insurance.一年的定期存款收入比买保险收入多83.5元。
[08:28.84]That's right. But it does not necessarily mean the income of time deposit must be higher than that of the insurance.您说得对。但这并不意味着定期存款的收益一定比保险收益高。
[08:37.10]Is that so? Why?是这样吗？为什么呢？
[08:40.63]I see. It means the insurance income is not guaranteed.我知道了，保险收入是不能被保证的。	
[08:46.38]Yes. In addition, you cannot cash it if you need the money in emergency.另外，您在急需钱的时候还不能兑现。
[08:51.83]In this case, I will prefer time deposit. It，s better to deposit my money than to buy an policy.这样的话，我宁肯选择定期存款。看来存款比买保险强。
[08:59.67]Well, different products have their own advantages and disadvantages. I suggest you buy a Ping An insurance policy after you save some money for an emergency.不同的产品有它们各自的优势和不足之处。我建议您存一些钱以备急用，然后再来买平安保险。
[09:11.60]Thank you for your information. I’ll come again if I decide to take your advice. I need to consider it seriously.谢谢您提供的情况，在决定采纳您的意见之后我会再来的。我需要好好考虑一下。
[09:19.67]All right. You are welcome anytime.好吧。随时欢迎您。
[09:25.99]“银证通”
[09:28.04]您只需开通“银证通”账户即可。
[09:32.49]A： Just open a Bank-Securities Link account. That’s all you need to do.您只需开通“银证通”账户即可。这就是您需要做的。
[09:42.03]B： Great!I will have one now.太好了！我现在就办理。
[09:51.49]I have heard that your/bank has a new program called “Yinzhengtong”，which can help customers to stockjobbing by telephone, internet and mobile phone. I am very interested in this program. Can you tell me more details about it?是的。我听说贵行推出了一个新业 务叫做“银证通”，可以帮助客户通过电话、网络和手机进行股票买卖。我对这个业务非常感兴趣。你可以详细向我介绍一下吗？
[10:08.33]Sure, sir. “Yinzhengtong” is a new and popular program in our bank. Just as you said, it can help customers to stockhedge in more convenient ways. It is designed for those people who are interested in stockjobbing but are too busy to go to the stock exchange agencies. That is to say, you can stockjob anywhere as long as there are mobile phone, telephone or Internet around.当然可以了。“银证通”是我行一顶新业务，很受大众欢迎。正如您所说的，它可以帮助客户用更加便捷的方式进行股票交易。它是为那些对炒股感兴趣但却忙于工作无暇顾及的客户量身定做的。也就是说，只要您身边有手机、电话或者互联网就可以随时随地进行股票交易。
[10:40.88]红利
[10:43.17]您除了可以得到保险外，还可以从保险公司得到一些红利，分红多少取决于保险公司经营的收益情况。
[10:53.07]A： I see. But what advantages does it have?我明白。但我如何才能从中受益呢？
[11:00.27]B： Let me explain to you. In addition to insurance for you, you can also get some dividends from the insurance company, which depends on the beneficial results of management of the company.我来为您解释吧。您除了除了可以得到保险外，还可以从保险公司得到一些红利，分红多少取决于保险公司经营的收益情况。
[11:27.81]What are the differences between dividend-participated insurance and deposit?分红保险和储蓄有什么区别？
[11:33.29]The differences are big. We all know that the deposit interest is fixed, while the dividend of each policy will be transferred automatically into your account through our bank by the end of each policy year. The longer the term is, the higher the dividend you earn, since it is calculated at a compounded interest rate.区别很大。众所周知，储蓄利息是固定的。然而，每张保单的分红自动由我行在每个保单年度末转入您的账户，保单的期限越长，您获得的红利就越多，因为它是按复利计算的。
[11:58.44]代理保险
[12:00.97]请问贵行开办代理保险的新业务了吗？
[12:05.71]A: Good morning! Have you opened a new business of commission insurance in your bank?早上好，请问贵行开办代理保险的新业务了吗？
[12:15.14]B: Yes. We have several kinds of insurance business. Which one do you prefer?有的，我们有好几种保险业务，您想问哪一种？
[12:30.93]I prefer a policy of Bonus-For-Thousand-Happiness of Ping An Insurance Company.我想买平安保险公司的“千禧红”保险。
[12:41.68]申请保险代理
[12:43.27]请填好这张保险申请表，把金额和日期写在上面。
[12:49.01]A： Please fill in the application form of insurance with the amount and period on it. Don’t forget to write your ID card number dearly.请填好这张保险申请表，把金额和日期写在上面。别忘了写清楚身份证号码。
[13:05.27]B： Okay. I have finished. Here you are.好的。填完了，给您。
[13:15.52]Here are your insurance documents and your ID card. Ping An Insurance Company will send you the insurance policy next month.这是您的保险单据和身份证，下个月您会收到平安保险公司寄出的保险单。
[13:24.99]Thank you very much!非常感谢！
[13:27.14]You are welcome. If you have any questions, please contact me.别客气，您若有什么问题，请联系我。

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银行英语口语一听就会Chapter 1 银行介绍 Unit 6 其他银行服务（3）