銀行業(yè)務(wù)之 換外匯　Foreign Currency Exchange

銀行業(yè)務(wù)之 換外匯　Foreign Currency Exchange

銀行可以換外幣（exchange foreign currency），但換外幣的最好地方不一定都是（not always）在銀行。通過下面的換取外幣的知識(shí)，你可以將換外幣的損失減小到最少。

匯率和手續(xù)費(fèi)（exchange rates and commission fees）

了解匯率和手續(xù)費(fèi)是換錢之前的首要（imperative）工作。一定要牢記免手續(xù)費(fèi)往往意味著不太好的匯率，他們賺取的匯率差價(jià)遠(yuǎn)超過手續(xù)費(fèi)。

⊙What currency would you like to exchange?你想換什么幣種？

⊙Do you accept$50 bills?

你們接受面額50美元的嗎？

⊙How much is the dollar trading at today?美元今天的交易價(jià)是多少？

⊙The American Dollar is worth 6.85 RMB.1美元值6.85元人民幣。

⊙I would like to exchange Chinese RMB for Euros.我想用人民幣換歐元。

⊙How much I exchange depends on the current exchange rate.我換取的金額取決于當(dāng)前匯率的高低。

⊙The dollar is in bad shape these days.美元這些天的走勢(shì)不好。

⊙What is the exchange rate for changing Chinese RMB into US Dollars?從人民幣換到美元的匯率是多少？

⊙How much is the commission fee?手續(xù)費(fèi)是多少？

⊙Is the commission fee a flat rate or percentage rate?手續(xù)費(fèi)是固定的還是按百分比收取？

⊙What's the going rate for Japanese Yen?日元的匯率走勢(shì)如何？

出國(guó)前（before departure）

許多人都喜歡在出國(guó)前換好外幣。這樣雖然會(huì)保證一個(gè)較好的匯率，但不值得推薦（not recommended），因?yàn)閿y帶大量現(xiàn)金不安全。

⊙I would feel a lot better if I had some cash in my pocket as soon as I arrived.如果到那兒時(shí)口袋里有些現(xiàn)金，我會(huì)感覺好得多。

⊙The rate of exchange is more favorable if I exchange my money at my home bank.

我在國(guó)內(nèi)銀行換錢匯率更優(yōu)厚。

⊙You should be very careful traveling with that much cash on you.旅行時(shí)帶那么多的現(xiàn)金在身上，你應(yīng)當(dāng)非常小心。

外國(guó)銀行

外國(guó)銀行收取的手續(xù)費(fèi)普遍較高，而且匯率不夠有利（unfavorable exchange rates）。當(dāng)然在一些地方也有提供好匯率的銀行，那需要全面了解（check around）。

⊙Where can I exchange my money?我在哪里可以換錢？

⊙The exchange rate is up today, you ought to get to a bank and exchange some money.

今天的匯率高揚(yáng)，你應(yīng)該去銀行換些錢。

自動(dòng)提款機(jī)（ATM）

自動(dòng)提款機(jī)提取當(dāng)?shù)刎泿牛╥n local currency）比較方便，但是相對(duì)昂貴，因?yàn)槟愕拈_戶行和提款機(jī)所屬銀行都要跨洋自動(dòng)收取手續(xù)費(fèi)（overseas ATM usage fees）。所以，你出發(fā)前應(yīng)當(dāng)了解你開戶行的手續(xù)費(fèi)政策（fee policy）。

⊙You'd better think twice about using the ATM.使用自動(dòng)提款機(jī)你可得三思。

⊙You'll get hit by a ton of fees if you decide to go the ATM route for exchanging money.

如果你通過自動(dòng)提款機(jī)來換錢，那肯定會(huì)被收取不少費(fèi)用。

⊙Unless it's an emergency and you're strapped for cash, I wouldn't use the ATM to exchange money if I were you.

如果我是你，除非遇到緊急情況而且手頭缺現(xiàn)金，否則我不會(huì)用自動(dòng)提款機(jī)來換錢。

信用卡（credit card）

如果你的信用卡上有Master、運(yùn)通或Visa等標(biāo)志（seal），就表明此卡在國(guó)外很多國(guó)家和地區(qū)（overseas location）都能用。當(dāng)然大部分公司都會(huì)收取一定金額的越洋使用費(fèi)（overseas usage fees）。在臨行前最好和銀行確認(rèn)一下在境外使用的費(fèi)率。消費(fèi)時(shí)記住告訴對(duì)方刷當(dāng)?shù)刎泿沤痤~（in local currency）。

⊙Do you accept Master card?

你們是否接受Master卡？

⊙I have a Visa card.Can I use that?

我有一張Visa卡，可以用嗎？

⊙We only take American Express.我們只能刷美國(guó)運(yùn)通卡。

總結(jié)

無論外出旅行還是外匯投資，換匯是必備的技能。匯率的高低是換匯的關(guān)鍵性因素，尤其當(dāng)涉及金額相對(duì)龐大時(shí)，瞬息之間就有許多的差價(jià)被蒸發(fā)。另外要考慮的是手續(xù)費(fèi)，機(jī)場(chǎng)的兌換處生意總是很好，但手續(xù)費(fèi)也不低。通過自動(dòng)提款機(jī)換取當(dāng)?shù)刎泿攀亲畎踩⒆罘奖愕?，但手續(xù)費(fèi)也最貴?？傊纫獏R率高，又要手續(xù)費(fèi)低，就得仔細(xì)研究對(duì)比，找到最適合自己的方式。

Words　單詞表

ATM自動(dòng)提款機(jī)

bill賬單

cash現(xiàn)金

current目前的，當(dāng)下的

decide決定

denomination面額，面值

emergency突發(fā)事件，緊急狀況

favourable肯定的，支持的，贊同的

fee服務(wù)費(fèi)

limit限定，限制

Madrid馬德里

prepare準(zhǔn)備

probably可能

reasonable公平的，合理的，有理由的

Phrases　短語表

a bunch of大量的，大堆的

a ton of大量的

banking system銀行系統(tǒng)

commission fee傭金，費(fèi)用

depend on取決于，根據(jù)

find my way around sth找到解決某事的辦法

flat rate固定費(fèi)用

go for適用于

going rate現(xiàn)行價(jià)格，現(xiàn)行收費(fèi)標(biāo)準(zhǔn)

have cash on you帶現(xiàn)金

have some cash in（one's）pocket口袋里裝現(xiàn)金

percentage rate百分比費(fèi)率

take care of處理，負(fù)責(zé)

think twice（about sth）三思，反復(fù)考慮

be strapped for cash缺錢，手頭緊張

實(shí)景對(duì)話1

A：Are you excited for your trip to Madrid?Do you have everything prepared?

B：Yeah, I guess I'm ready. I am getting excited.But there are a bunch of details to take care of before I go.

A：Like what?

B：Exchanging money, for one thing.

A：Do you have to do that now, before you leave?Can't you just wait until you are there?

B：I would feel a lot better if I had some cash in my pocket as soon as I arrived. The rate of exchange is more favorable if I exchange my money at my home bank.So I think I want to just do it here before I leave.

A：You should be very careful traveling with that much cash on you.

B：I'm not too worried. If I don't get it done before I leave, where can I exchange my money?I don't speak Spanish, so I'm afraid of not being able to find my way around the banking system in Spain. Well, I guess I could always go to an ATM.

A：You'd better think twice about using the ATM. You'll get hit by a ton of fees if you decide to go the ATM route for exchanging money. Unless it's an emergency and you're strapped for cash, I wouldn't use the ATM to exchange money if I were you.

B：Yeah, I guess you're probably right on that one.

A：Well, the exchange rate is up today, you ought to get to a bank and exchange some money.

A：你為馬德里之行感到激動(dòng)嗎？都準(zhǔn)備好了嗎？

B：是的，我想我準(zhǔn)備好了。我感覺很激動(dòng)，但是臨行前還有一大堆事要做。

A：比方說？

B：其中之一就是換錢。

A：你現(xiàn)在就要換？在出發(fā)之前？為什么不到了當(dāng)?shù)卦僬f呢？

B：如果到那兒時(shí)口袋里有些現(xiàn)金，我會(huì)感覺好得多。在國(guó)內(nèi)銀行換錢匯率更好，所以我在離開前就得辦好。

A：帶那么多現(xiàn)金旅行時(shí)可要非常小心。

B：我倒不是特別擔(dān)心。如果不在出發(fā)前辦好，我在哪里能換錢？我不會(huì)西班牙語。我擔(dān)心我搞不懂怎么用西班牙的銀行系統(tǒng)。我想我只能是一直去自動(dòng)提款機(jī)。

A：使用自動(dòng)提款機(jī)你可得三思。通過自動(dòng)提款機(jī)來換錢肯定要花大量的服務(wù)費(fèi)。換作是我，除非是在緊急情況下手頭缺現(xiàn)金，否則我肯定不用自動(dòng)提款機(jī)換錢。

B：是的，我想在這點(diǎn)上你可能是對(duì)的。

A：今天的匯率上揚(yáng)，你應(yīng)該去銀行換些錢。

實(shí)景對(duì)話2

A：Can I help you?

B：I would like to exchange some money. Do you accept$50 bills?

A：We accept all denominations. What currency would you like to exchange?

B：I would like to exchange Euros for US Dollars.How much is the dollartrading at today?

A：The American Dollar is worth 0. 67 Euro.How much would you like to exchange?

B：How much I exchange depends on the current exchange rate，0. 67 isn't as good as I had hoped. What's the going rate for RMB?

A：For Euro to RMB?The rate of exchange is 9.01.

B：How much is the commission fee?Is the commission fee a flat rate or percentage rate?

A：We charge a small commission fee of$2 per transaction with no limit on the exchange amount.

B：Sounds reasonable. Give me 500 Eruo worth of RMB.

A：Yes, sir.

A：需要幫忙嗎？

B：我想換些錢。你們接受面額為50的歐元嗎？

A：我們接受所有面額的，你要換什么貨幣？

B：我想用歐元換美元。美元今天的交易價(jià)是多少？

A：一美元值0.67歐元。你想換多少？

B：我換取的金額取決于當(dāng)前匯率的高低，0.67比我期望的要低。人民幣的匯率怎么樣？

A：從歐元到人民幣嗎？匯率是9.01。

B：手續(xù)費(fèi)是多少？手續(xù)費(fèi)是固定的還是按百分比收?。?

A：每筆交易我們收取2美元的手續(xù)費(fèi)，換取金額不限。

B：聽上去是挺劃算的。給我500歐元的人民幣。

A：好的，先生。