下面學(xué)習(xí)啦小編為大家?guī)斫鹑谟⒄Z銀行業(yè)務(wù)雙語閱讀，歡迎大家學(xué)習(xí)!

　　銀行業(yè)務(wù)雙語閱讀：外幣攜帶證業(yè)務(wù)

　　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.

　　在銀行存有外幣的儲(chǔ)戶，如獲準(zhǔn)出境定居、探親、旅游、考察、學(xué)習(xí)等需要提取外幣存款，攜帶外幣出境時(shí)，可向原存款營業(yè)網(wǎng)點(diǎn)提出申請，銀行將按規(guī)定簽發(fā)“攜帶外幣出境許可證”。

　　銀行業(yè)務(wù)雙語閱讀：外幣兌換業(yè)務(wù)

　　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.

　　銀行可按當(dāng)日牌價(jià)為您辦理人民幣與外幣的兌換?？蓛稉Q的貨幣包括：美元、港幣、日元、歐元、英鎊、瑞士法郎、澳大利亞元、新加坡元、加拿大元、瑞典克郎、挪威克郎、丹麥克郎、澳門元和新西蘭元等。 銀行可辦理公派出國團(tuán)組的購匯業(yè)務(wù)。您只需持外匯管理局審批的出國批件，經(jīng)銀行審核無誤后即可予以供匯。境外人員離境前，可在銀行憑本人護(hù)照和六個(gè)月內(nèi)原工商銀行外幣兌換水單將入境時(shí)兌換的未用完的人民幣兌回外幣。

　　銀行業(yè)務(wù)雙語閱讀：存款證明業(yè)務(wù)

　　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.

　　在銀行存滿三個(gè)月以上的外幣定期儲(chǔ)蓄存款 ，需要辦理申請出國手續(xù)或其他原因要求銀行開具“儲(chǔ)蓄存款證明書”時(shí)，可向原存款營業(yè)網(wǎng)點(diǎn)提供可靠文件材料(如索取證明方面的有關(guān)文件)，填具“申請承諾書”，經(jīng)審查后，由銀行開具“儲(chǔ)蓄存款證明書”，以滿足客戶辦理出境簽證或其他原因的需求。

　　銀行業(yè)務(wù)雙語閱讀：銀行代收代付中間業(yè)務(wù)

　　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.

　　目前銀行開辦的“代收代付等中間業(yè)務(wù)”主要有代繳費(fèi)、代發(fā)薪、代股票資金轉(zhuǎn)賬業(yè)務(wù)、代證券交易委托、代理保險(xiǎn)業(yè)務(wù)等，是銀行提供的一種服務(wù)。

　　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、代繳費(fèi)業(yè)務(wù)

　　代繳費(fèi)業(yè)務(wù)，是銀行代理收費(fèi)單位(郵電、電、氣、供水等部門)向其用戶收取費(fèi)用的一種轉(zhuǎn)賬結(jié)算業(yè)務(wù)。 收費(fèi)單位與用戶均應(yīng)在代理銀行開立活期存款賬戶，銀行定期在協(xié)議規(guī)定的收費(fèi)日，從用戶存款賬戶中按收費(fèi)單位所列收費(fèi)清單扣劃給收費(fèi)單位，并按用戶交款筆數(shù)收取手續(xù)費(fèi)?？蛻粢部梢袁F(xiàn)金方式在銀行柜臺(tái)繳費(fèi)，如代收電話費(fèi)、移動(dòng)電話費(fèi)、交通違章罰款、保險(xiǎn)費(fèi)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、代發(fā)薪業(yè)務(wù)

　　代發(fā)薪業(yè)務(wù)是銀行受國家機(jī)關(guān)、行政事業(yè)單位及企業(yè)的委托，通過其在銀行開立的活期儲(chǔ)蓄賬戶，直接向本單位職工發(fā)放工資的業(yè)務(wù)。

　　其辦理手續(xù)是：經(jīng)銀行和發(fā)薪單位協(xié)商后，發(fā)薪單位填寫代發(fā)薪委托書給銀行，單位每位職工要在經(jīng)辦銀行開立活期存款賬戶，銀行發(fā)給存折或ATM卡，憑存折或ATM卡支取。此業(yè)務(wù)改變了客戶傳統(tǒng)習(xí)慣，變“先用后存”為“先存后用”，方便了客戶。

　　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、代理股票交易業(yè)務(wù)

　　目前銀行代理股票交易業(yè)務(wù)主要有：提供銀證轉(zhuǎn)賬服務(wù)和代理股票交易委托服務(wù)。(1)銀證轉(zhuǎn)賬服務(wù)：通過我行儲(chǔ)蓄機(jī)構(gòu)柜臺(tái)、電話銀行服務(wù)和自助終端等方式，向客戶提供銀行存款賬戶與證券保證金賬戶之間的相互轉(zhuǎn)賬。 (2)代理股票交易委托服務(wù)是為方便股民認(rèn)購和股票交易，當(dāng)發(fā)生股票交易時(shí)，銀行可代理證券公司，從股民活期存款賬戶中為其辦理股票交易資金收付轉(zhuǎn)賬結(jié)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、代理保險(xiǎn)業(yè)務(wù)

　　銀行代理平安保險(xiǎn)等保險(xiǎn)公司的部分壽險(xiǎn)業(yè)務(wù)，客戶在中國銀行儲(chǔ)蓄機(jī)構(gòu)就可以完成從投保、交費(fèi)到出單、保全等全部投保業(yè)務(wù)環(huán)節(jié)。

　　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、兌憑證式國庫券

　　銀行所有儲(chǔ)蓄機(jī)構(gòu)網(wǎng)點(diǎn)代售、兌憑證式國庫券。