银行英语的教学体会
发布时间：2011-03-27 来源：
为了提高教学的针对性，做到有的放矢，提高学生的学习兴趣，增强学生的就业竞争能力，学校开展了一系列的校本教材编写推广活动。本人积极参与，先后参与编写了校本教材的英语口语及银行英语。以下是银行英语的第四单元以及我的一些教学实际体会和感想启示。
内容提要：
本单元为校本教材银行英语的第四单元，重点讲解支票的兑现和托收，围绕这一主题展开，编写了四个对话，涉及到了现金的兑换，旅行支票的兑现，划线支票的托收，普通支票，划线支票以及特别划线支票的区别。Key Sentence 为本单元重点句型，后附本单元的相关翻译练习，达到强化记忆的效果。
学习目标：
通过几个模拟场景对话，对一些本单元的几个银行专业技能术语进行强化。熟悉柜面的操作英语和礼貌应答。了解基础的银行操作流程。为以后的银行实习作好专业准备。
关键词：
checks in cash (支票兑现), collection (托收), endorse(背签), deduct(扣除), secure(保证，保障), countersign(复签), funds(基金，专款), negotiable(可流通的，可转让的), proceeds(进而做；着手，开始), remittance(汇款), open checks(普通支票), special crossings (特别划线支票), restriction (限制，约束), procedure (手续，过程)
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正文：
Unit Four
Checks in Cash and on Collection
B---Bank-clerk; C---Customer
Dialogue 1
B: Good morning, sir. What can I do for you?
C: I’d like to cash this check, please?
B: Do you have an account with us?
C: Yes . Here is my identification card.
B: All right. How would you like it?
C: Ten hundreds and twenty tens and the rest in small change, please.
B: OK, here you are.
Dialogue 2
B: Good afternoon, sir. May I help you?
C: I’d like to cash some traveler’s checks. Can you do that for me?
B: Certainly, madam. Today’s exchange rate is 8.80 yuan RMB for one US dollar. How much would you like to cash?
C: Two hundred. Here are the checks.
B: Would you please fill the checks and countersign them, madam?
C: All right, here you are.
B: Thank you. May I have a look at your passport?
C: Of course. Here is my passport.
B: Sorry you’ve filled a wrong passport number, please refill it.
C: I’m terribly sorry. Is that OK now?
B: That’s all right. Thank you. One moment, please. Sorry I have kept you waiting, ,madam, please sigh here on the memo.
C: All right.
B: Thank you. Here is 1760 yuan RMB. Please have a check and keep the memo.
C: Thank you.
B: It’s my pleasure. Hope you are enjoying your stay in Shanghai. Goodbye.
Dialogue 3
B: May I help you, madam?
C: Yes, please. My son in Seattle sent me this check for 5000 US dollars. I would like to cash it and get RMB for it.
B: I’m sorry, madam, but we cannot cash this check right now.
C: Something wrong with it?
B: Not that, madam. The only reason is that it is a personal check.
C: You mean you don’t handle personal checks?
B: No, I don’t mean that. But we have to send a personal check to the drawee bank for collection. It’s different from a bank check which can be cashed immediately it is presented to us.
C: How long does it take to collect this check?
B: This check is drawn on a bank in Seattle. It will take about fifteen days to clear. We will give you the proceeds as soon as we collect the funds.
C: Then you can pay me in yuan?
B: Yes, we will change the proceeds into RMB for you. We will deduct a collection service charge from the proceeds of course.
C: How much is that?
B: Normally, just a few dozen yuan. We can ask for a cable remittance from Seattle if you would like, then we could cash it for you very quickly but you have to pay the charge for the cable.
C: Oh, please don’t bother, I can wait for the ten days. Will you notify me when you receive the proceeds?
B: Yes, we’ll call you. Will you please endorse the check on the back and show me your passport?
C: Here you are.
B: Yes. And please fill out this Collection Application form.
Dialogue 4
C: Excuse me.
B: OK, What can I do for you?
C: I’d like to cash this check, please.
B: No, I’m afraid you can’t, you see this is a crossed check, not negotiable. That means you can’t cash this check directly.
C: Oh, dear. What should I do with the check then?
B: You should deposit the check into your account first. It’ll secure that only the person to whom the check was paid gets the money.
C: That’s an excellent idea. Are there any other kinds of checks?
B: Yes, there’re two other kinds: open checks and special crossings.
C: Can you explain them to me?
B: Certainly, sir. Open checks are what you can cash over the counter, while special crossing are those with special restriction on the means to get paid.
C: I see. But suppose I want to pay the crossed check into someone else’s account?
B: That’s easy. You just endorse it and then hand it over to someone else for deposit into another account.
C: Good idea, well, we’ve talked a lot about checks, but I haven’t learned how to deposit the check.
B: Don’t worry, let me tell you. Here’s a deposit slip. Please fill it out and sign under signature. The money will be credited to your account when the check is cleared.
C: OK. Name, address, phone number…Here you are. By the way, is it the same procedure if I want to deposit cash?
B: Yes, it is. Would you like me to record this transaction in your passbook?
C: Yes, please. Here’s the passbook.
Key Sentences
1. I’d like to cash this check.
2. Do you have an account with us?
3. Here is my identification card.
4. How would you like it?
5. Ten hundreds and twenty tens and the rest small change.
6. I want to withdraw some money form my checking account.
7. Can I see your passport and the withdrawal slip, please?
8. How much would you like to cash?
9. Sorry for you long waiting, sir.
10. Hope you are enjoying your stay in Shanghai.
11. The only reason why we can’t cash this check immediately is that it s a personal check.
12. It will take about ten days to clear.
13. We will change the proceeds to RMB yuan for you.
14. We will deduct a collection service charge from the proceeds.
15. You would have to pay the charge for the TT.
16. We will notify you when we receive the proceeds.
17. Will you please endorse the check on the back and show me your passport.
18. We wouldn’t be able to cash it for you until the proceeds are collected from the drawee bank.
19. We will accept the endorsed check for collection and notify you as soon as it’s paid.
20. I’ll prepare a collection receipt for you.
21. We must charge a collection fee of $1.50.
22. That’s to secure that only the person to whom the check was paid gets the money.
23. The money will be credited to your account, when the check is paid.
24. Would you like to record this transaction in your passbook?
25. Your countersign is not in agreement with the signature on the upper left corner.
Notes
1.One moment .请稍等一下。类似的表达形式还有：
Wait a little while.
Please wait a minute.
Just a moment.
Just a minute.
2. collect 意为收集 名词是collection
collect a bill 托收汇票
collecting bank 托收隐含
bills collecting 托收票据
New Words
1.cash v./n 兑现，现金
2.enjoy v. 喜欢
3.immediately adv. 马上 立刻
conj. 一……就……
4.clear v. （票据）清算，结清
5.deduct v. 扣除
6.endorse v. 背签
7.accept v. 接受
8.fee n. 费用
9.person n.人
10.add v. 加
11.agreement n. 一致
12.upper adj. 上的
13.left adj. 左边的
14.wrong adj. 错误的
15.terribly adj. 非常的，可怕的
16.reason n. 理由
17.personal adj. 个人的
18.proceeds n. 款项，收入
19.collection n. 托收
20.notify v. 通知
21.drawee n. 付款人
22.receipt n. 收据
23.secure v. 保证 保障
24.record v./n 记录
25.countersign n./v. 复签
26.corner n. 角
27.certainly adv. 当然
28.refill v. 重新填写
29.Seattle n. 西雅图
30.present v. 呈上，送（礼物）
31.funds n. 基金，专款
32.dozen n. 一打
33.quickly adv. 快地，迅速地
34.negotiable adj. 可转让的，可流通的
35.excellent adj. 极好的，非常好的
36.pay into 寸入，解入
37.special adj. 特别的
38.explain v. 解释
39.means n. 手段，方式
40.proceed v. 进而做；着手，开始
41.signature n.签名，签名栏
42.handle v. 处理，受理
43.draw v. 提取
44.normally adv. 通常的
45.remittance n. 汇款，汇款额
46.cross v. 打叉，在（支票）上划上两条平行线
47.directly adv. 直接地
48.do with 处理
49.open checks 普通支票
50.special crossings 特别划线支票
51.restriction n. 限制，约束
52.hand over 交出，移交
53.slip n. 纸片，纸条
54.procedure n. 手续，过程，步骤
Translation:
——下午好，小姐。
——下午好。我想兑换100美元的旅行支票。
——当然可以。今天的兑换率是1 比8.7
——好的。这是我的护照。这里是100美元旅行支票。
——请您开好支票后，签字。
——好的。
——这是您的兑换水单。请保存好。这是您的钱，请核对。
——谢谢，再见。
——再见。
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学习评价：
本教材本学期是第一次试行，在04级的三个银行专业班级中教学。学生普遍觉得教材有相当的实用性，和银行专业贴近，有一定的学习兴趣。但由于涉及到很多的专业术语，基础较差的同学觉得很难跟上进度，产生畏难逃避情绪。可以考虑适当增加教材的趣味性。
教学结论和启示：
由于银行英语不同于一般的基础英语，有一定的专业难度，是必须和实际操作相结合的专业操作英语。单独学习本课程，难免抽象乏味。如果能够和相关课程结合，让学生在学习银行知识的同时，结合本教材的教学。学生的学习和记忆效率都会相应提高，如果能配合实际的操作实践，就更能大大提高学生的学习兴趣和热情。
以上是我对校本教材之银行英语一学期试教学下来的一些体会和感想。在以后的进一步教学中还要不断完善和改进。
