银行业务之 外币账户　Foreign Currency Account

银行业务之 外币账户　Foreign Currency Account

在汇率变化频繁的今天，将一定比例的储蓄货币（cash holdings）转换成很有前景的某种货币并存在账户中，有一定的安全意义，也可以实现一定程度的盈利。如果你做国际贸易，开设多种类货币账户（multiple currencies）是普遍且很有必要的。

⊙I would like to diversify.我想实现多样化。

⊙Can I exchange for dollars?我能换成美元吗？

⊙What is the current exchange rate?目前的汇率是多少？

⊙I would like to set up a dollar account, please.我想开设一个美元账户。

⊙I maintain a Japanese Yen savings account.我保有一个日元储蓄账户。

⊙Fluctuations in the currency market have cost me money this week.货币市场的波动给我这个星期带来了不少的损失。

⊙We can accept any foreign denomination.我们可以接受任何面值的外币。

⊙How much is the dollar trading at today?今天一美元能兑换多少？

确认一家银行

如果你的账务所在银行不能提供多种类货币储蓄账户（multiple currency savings accounts），你可以考虑一家较大规模的跨国银行（large multinational banks）。查询开户所需的最低储蓄金额（minimum deposit size），以及时间。此外也要知道他们是否有外币计价存款证明（foreign-denominated certificates of deposits）。

⊙Does your bank offer multiple currency savings accounts?贵行是否提供多币种储蓄账户？

⊙What is the minimum deposit size?存入的最低金额是多少？

⊙Can I make a deposit with a foreign-denominated certificate of deposit?我存款时是否给我开外币计价存款证明？

⊙How can I access my dollar account?我如何才能开设美元账户？

开账户（open an account）

开账户时要明确是定期（regular intervals）收到利息还是利润自动再投资（proceeds reinvested）。为以后的便利和各种可能，应设法将新开外币账户和原有的支票账户相链接（link the proceeds directly into your checking account）。清楚了解作为某行的储蓄账户需遵守哪些要求和条件。

⊙I would like to receive interest at the regular payment period.我想在定期付款期限内收到利息。

⊙Would it be possible to have the proceeds of this account reinvested automatically?

这个账户的利息是否可以自动转入再投资？

⊙Can I link the proceeds of this account directly to my checking account?我能否将这个账户的利息和我的支票账户相链接？

⊙What is the minimum deposit for this account?开设这个账户的最低储蓄金额是多少？

挑选货币

考虑到汇率的变动（currency fluctuations），换汇存在一定的风险。所以在选择货币（currency）时，需认真研究，了解汇率变化的趋势，要明白哪些外币保持强劲走势，哪些疲软下滑。

⊙What kind of rates can I get for the Canadian dollar?我想要（换）加元的话会是什么样的汇率？

⊙We do a lot of business with Australia.I would like to examine the possibility of opening an account in Australian currency.

我们和澳大利亚有很多的贸易。我想了解开澳元账户的可能性。

⊙Can I only pull dollars out of this account, or is it possible to withdraw RMB?我只能从账户中取美元吗？能不能取人民币呢？

别的形式

实现手中储蓄货币多样化还有别的形式（diversify your account holdings），例如购买股票，以外汇的形式结算红利（dividends）；也可以考虑购买美国存托证券（ADRs-American Depository Receipts），他们的股息会以美元的形式结算。

A：What other ways can I keep my money in foreign currency?

B：You can try specifying the dividends from your stock portfolio, they can pay out in dollars, RMB, or several other currency options.

A：有没有别的途径来持有外币？

B：你可以通过指定你的股票组合的股息（类型），他们可以付给你美元、人民币，或别的外币种类。

总结

“不要把鸡蛋都放在一个篮子里”。面对当前汇率变化的日新月异，把你手头的资金的一部分换成外币来存储很有现实意义。跨国大银行在外币业务上无论是外币种类还是服务的多样性都有一定优势。要选择发展稳定、势头良好的外币才能在一定程度上避免损失。

Words　单词表

account账户

automatically自动地

certain一定的，确定的

currency货币，流通

denomination面额，面值

deposit存款

diversify多样化

earmarked指定的，专用的

equivalent等值，等效

interest利息

invest投资，投入

minimum最低，最小值

multiple多种多样的

penalty罚金，罚款

possibility可能性

proceeds收入，收益

rate比率

specify制定，规定

transaction交易，业务

withdraw提款，取钱

US Dollars美元，美金

Australian Dollar澳元

Canadian Dollar加币，加元

Chinese yuan人民币

Japanese Yen日元

Phrases　短语表

certificate of deposit存款单

checking account支票账户，存款账户

do business with……做生意，和……做买卖

foreign currency外汇

foreign denominated外币币值

have an account with sb与某人有交易

open an account开户

link sth to sth连接，链接

pay out付出

savings account储蓄账户

stock portfolio股票组合，股票期权市场

实景对话1

A：Welcome to Civic Construction bank, how can I help you?

B：We do a lot of business with Australia. I would like to examine the possibility of opening an account in Australian currency. Does your bank offer multiple currency savings accounts?

A：Yes, we offer multiple currency savings accounts for certain currencies.

Do you have an account with us now?

B：Yes. I have a US Dollar account with you guys.I also maintain a Japanese Yen savings account with another bank. For an Australian Dollar account, what is the minimum deposit size?

A：The minimum deposit for opening a foreign currency account is the foreign equivalent of$100.

B：Okay, that's good to know. Can I make a deposit with a foreign-

denominated certificate of deposit?

A：Certainly, that's no problem.

B：If I do set up a foreign currency account, can I link the proceeds directly to my checking account?

A：There are a few penalties for withdrawing a foreign currency in US Dollars or RMB. It is a fee of 0.2%per transaction.

B：What other ways can I keep my money in foreign currency?

A：You can try specifying the dividends from your stock portfolio, they can pay out in dollars, RMB, or several other currency options.

A：欢迎来到公民建设银行。有什么可以为你效劳的？

B：我们在澳大利亚有很多的贸易。我想确认看能不能开澳元账户。贵行是否提供多种外币的储蓄账户呢？

A：是的，我们提供一定范围类型的多种货币储蓄账户。你在我们这里有账户吗？

B：是的，我在你们这儿有一个美元账户。在别的银行保有一个日元账户。要在你们这儿开设澳元账户的话，最少应当存入多少钱？

A：开外币账户时至少应当存入相当于一百美元的等值外汇。

B：好的，幸好知道了这件事。存款时我是否可以开一个外币计价存款证明呢？

A：当然，那没问题的。

B：如果我开一个外币账户的话，我能否将进账直接链接到我的支票账户呢？

A：以美元或人民币的形式提取外币要有一些罚金，相当于每笔交易的0.2%。

B：有没有别的途径来持有外币？

A：你可以通过指定你的股票组合的股息（类型），他们可以付给你美元、人民币，或别的外币种类。

实景对话2

A：How much is the dollar trading at today?

B：The dollar is down from yesterday. What currency were you interested in exchanging for?

A：What kind of rates can I get for the Canadian Dollar?

B：Canadian Dollars for purchase are running at 1. 40 per dollar.

A：That's a pretty good rate. I have a dollar account with you now.I would like to diversify. Would it be possible to exchange some of my dollar account and open an account with Canadian Dollars?

B：Certainly. What is the amount that you would like to start your account with?

A：Let's start with$10，000 US Dollars. Would it be possible to have the proceeds of this account reinvested automatically?

B：Yes. Or you can receive interest monthly.

A：Okay. I guess to start, I would like to receive interest at the regular payment period.

B：Here is your new account number and account balance. You will be unable to access these funds for a period of 24 hours.

A：After the 24 hours, can I only pull Canadian Dollars out of this account, or is it possible to withdraw US dollars?

B：Because it is earmarked as a foreign currency account, you are limited on your transactions. You can withdraw up to 10%of the total balance, with a set fee of$2 per transaction.

A：今天美元的买卖价是多少？

B：美元从昨天开始跌了。你想换什么货币？

A：我买加元会是什么样的汇率？

B：加元买入汇率在1.4兑一美元。

A：那个汇率还不错。我在你们这里有一个美元账户，我想实现多样化，我是否可以把账户上的一部分美元换成加元并以此开一个账户？

B：当然。你要存入多少金额？

A：开始存入一万美元吧。该账户是否可以把收益自动转为再投资？

B：是的，你也可以选择每个月收利息的方式。

A：好的，我想开始的时候就选择在定期付款期内收到利息的方式吧。

B：这是你的新账户和账户余额。在24小时内，你还不能动用这些资金。

A：24小时后，我是只能从这个账户中提取加元，还是也可以提取美元？

B：因为这是指定的外币账户，你的业务要受到一定限制。你可以取不超过总余额的10%的金额，而且每笔交易有2美元的费用。