银行开户日常英语对话

银行，是依法成立的经营货币信贷业务的金融机构，是商品货币经济发展到一定阶段的产物。下面小编为大家整理的银行开户日常英语对话，希望对大家有用!

银行开户日常英语对话

A: Excuse me，can you help to answer a few questions for me? I'd like to open a bank account. We've applied to set up as an LLC. What kinds of permits do I need to apply for? Do I need a business license? What does it take to open a bank account so I can start growing my corporate credit?

B: Have you received your FEIN for your business yet?

A: Yes. We have registered with the appropriate places and have already received our Federal Employer Identification Number.

B: Well，if you brought all the necessary paperwork，I can help you open an account now.

A: Great! How long will it take before we will be able to get our Data Universal Numbering System ID number? Can we apply for a loan from your bank right away?

B: It will take about seven days from your application to get your DUNS. We are willing to lend to relatively new corporations. We can help you apply for a loan as soon as you receive your number.

A: Tell me more about the terms and conditions for borrowing as a new business. What are the rates and fees? Are there annual charges? What kind of penalties are we subject to?

B: We'll have to do a credit report on your company. If you wait just a moment，I can look it up for you.

A: What's our corporate credit rating now? Do we fall in the range of good credit?

B: You're currently running a credit score of about 68. You can improve that over time. The better record you have of paying back your loans on time， the more your credit will grow.

A：打扰你一下，你能否帮我解答几个问题?我想开一个银行账户，我们已经申请了一个有限责任公司，我要申请账户的话需要哪些许可证?我要拿经营执照吗? 怎样才能通过开银行账户增加企业信用?

B：你有没有收到给你企业的联邦雇主识别号码FEIN?

A：是的，我们已经登记了合适的场所并已经收到了我们的联邦雇主识别号。

B：那好，如果你带了所需资料，我现在可以帮你开一个账户。

A：好极了，我们需要多长时间拿到邓氏编码?我们立刻就能从银行贷款吗?

B：从申请到得到邓氏编码需要大约7天时间。我们很愿意贷款给较新的企业。你一拿到号码我们就帮你尽快贷到款。

A：请多给我讲一讲你们给新的企业贷款的条款和条件。利率和费用是多少?都是年付费吗?我们对应的罚金有哪些?

B：我们必须先调查你的公司信誉。请稍等片刻，我可以帮你查看一下。

A：我们的企业信贷评级如何?我们进入优等信用了吗?

B：你们目前的信贷评分大概是68分。你们以后能够提高。你们偿还贷款越是准时，你们的记录就越好，信誉也会随之增长。