银行业务之 换外汇　Foreign Currency Exchange

银行业务之 换外汇　Foreign Currency Exchange

银行可以换外币（exchange foreign currency），但换外币的最好地方不一定都是（not always）在银行。通过下面的换取外币的知识，你可以将换外币的损失减小到最少。

汇率和手续费（exchange rates and commission fees）

了解汇率和手续费是换钱之前的首要（imperative）工作。一定要牢记免手续费往往意味着不太好的汇率，他们赚取的汇率差价远超过手续费。

⊙What currency would you like to exchange?你想换什么币种？

⊙Do you accept$50 bills?

你们接受面额50美元的吗？

⊙How much is the dollar trading at today?美元今天的交易价是多少？

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

⊙I would like to exchange Chinese RMB for Euros.我想用人民币换欧元。

⊙How much I exchange depends on the current exchange rate.我换取的金额取决于当前汇率的高低。

⊙The dollar is in bad shape these days.美元这些天的走势不好。

⊙What is the exchange rate for changing Chinese RMB into US Dollars?从人民币换到美元的汇率是多少？

⊙How much is the commission fee?手续费是多少？

⊙Is the commission fee a flat rate or percentage rate?手续费是固定的还是按百分比收取？

⊙What's the going rate for Japanese Yen?日元的汇率走势如何？

出国前（before departure）

许多人都喜欢在出国前换好外币。这样虽然会保证一个较好的汇率，但不值得推荐（not recommended），因为携带大量现金不安全。

⊙I would feel a lot better if I had some cash in my pocket as soon as I arrived.如果到那儿时口袋里有些现金，我会感觉好得多。

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

我在国内银行换钱汇率更优厚。

⊙You should be very careful traveling with that much cash on you.旅行时带那么多的现金在身上，你应当非常小心。

外国银行

外国银行收取的手续费普遍较高，而且汇率不够有利（unfavorable exchange rates）。当然在一些地方也有提供好汇率的银行，那需要全面了解（check around）。

⊙Where can I exchange my money?我在哪里可以换钱？

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

今天的汇率高扬，你应该去银行换些钱。

自动提款机（ATM）

自动提款机提取当地货币（in local currency）比较方便，但是相对昂贵，因为你的开户行和提款机所属银行都要跨洋自动收取手续费（overseas ATM usage fees）。所以，你出发前应当了解你开户行的手续费政策（fee policy）。

⊙You'd better think twice about using the ATM.使用自动提款机你可得三思。

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

如果你通过自动提款机来换钱，那肯定会被收取不少费用。

⊙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，除非遇到紧急情况而且手头缺现金，否则我不会用自动提款机来换钱。

信用卡（credit card）

如果你的信用卡上有Master、运通或Visa等标志（seal），就表明此卡在国外很多国家和地区（overseas location）都能用。当然大部分公司都会收取一定金额的越洋使用费（overseas usage fees）。在临行前最好和银行确认一下在境外使用的费率。消费时记住告诉对方刷当地货币金额（in local currency）。

⊙Do you accept Master card?

你们是否接受Master卡？

⊙I have a Visa card.Can I use that?

我有一张Visa卡，可以用吗？

⊙We only take American Express.我们只能刷美国运通卡。

总结

无论外出旅行还是外汇投资，换汇是必备的技能。汇率的高低是换汇的关键性因素，尤其当涉及金额相对庞大时，瞬息之间就有许多的差价被蒸发。另外要考虑的是手续费，机场的兑换处生意总是很好，但手续费也不低。通过自动提款机换取当地货币是最安全、最方便的，但手续费也最贵。总之既要汇率高，又要手续费低，就得仔细研究对比，找到最适合自己的方式。

Words　单词表

ATM自动提款机

bill账单

cash现金

current目前的，当下的

decide决定

denomination面额，面值

emergency突发事件，紧急状况

favourable肯定的，支持的，赞同的

fee服务费

limit限定，限制

Madrid马德里

prepare准备

probably可能

reasonable公平的，合理的，有理由的

Phrases　短语表

a bunch of大量的，大堆的

a ton of大量的

banking system银行系统

commission fee佣金，费用

depend on取决于，根据

find my way around sth找到解决某事的办法

flat rate固定费用

go for适用于

going rate现行价格，现行收费标准

have cash on you带现金

have some cash in（one's）pocket口袋里装现金

percentage rate百分比费率

take care of处理，负责

think twice（about sth）三思，反复考虑

be strapped for cash缺钱，手头紧张

实景对话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：你为马德里之行感到激动吗？都准备好了吗？

B：是的，我想我准备好了。我感觉很激动，但是临行前还有一大堆事要做。

A：比方说？

B：其中之一就是换钱。

A：你现在就要换？在出发之前？为什么不到了当地再说呢？

B：如果到那儿时口袋里有些现金，我会感觉好得多。在国内银行换钱汇率更好，所以我在离开前就得办好。

A：带那么多现金旅行时可要非常小心。

B：我倒不是特别担心。如果不在出发前办好，我在哪里能换钱？我不会西班牙语。我担心我搞不懂怎么用西班牙的银行系统。我想我只能是一直去自动提款机。

A：使用自动提款机你可得三思。通过自动提款机来换钱肯定要花大量的服务费。换作是我，除非是在紧急情况下手头缺现金，否则我肯定不用自动提款机换钱。

B：是的，我想在这点上你可能是对的。

A：今天的汇率上扬，你应该去银行换些钱。

实景对话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：需要帮忙吗？

B：我想换些钱。你们接受面额为50的欧元吗？

A：我们接受所有面额的，你要换什么货币？

B：我想用欧元换美元。美元今天的交易价是多少？

A：一美元值0.67欧元。你想换多少？

B：我换取的金额取决于当前汇率的高低，0.67比我期望的要低。人民币的汇率怎么样？

A：从欧元到人民币吗？汇率是9.01。

B：手续费是多少？手续费是固定的还是按百分比收取？

A：每笔交易我们收取2美元的手续费，换取金额不限。

B：听上去是挺划算的。给我500欧元的人民币。

A：好的，先生。