账户
Account
/əˈkaʊnt/
她在付款前查看了自己的账户。She checked her account before paying the bill.
All themes
银行
Bank
Learn 银行 with theme cards, images, pronunciation, examples, and short reading practice.
股本
Equity
/ˈɛkwɪti/
这家公司通过股权融资来支持扩张。The company raised equity to fund its expansion.
本金
Principal
/ˈprɪnsəpəl/
她这个月先偿还了一部分本金。She paid down part of the principal this month.
透支
Overdraft
/ˈoʊvərdræft/
银行因他透支而收取了一笔费用。The bank charged him a fee for the overdraft.
交易
Transaction
/trænˈzækʃən/
这笔交易几秒钟就完成了。The transaction went through in a few seconds.
抵押品
Collateral
/kəˈlætərəl/
银行在批准贷款前要求提供抵押品。The bank asked for collateral before approving the loan.
负债
Liability
/ˌlaɪəˈbɪləti/
这笔贷款会出现在公司的负债中。The loan appears on the company's liabilities.
投资
Investment
/ɪnˈvɛstmənt/
他们把这套房子看作一项长期投资。They saw the house as a long-term investment.
存款
Deposit
/dɪˈpɑːzɪt/
下班后他去银行存了一笔钱。He made a deposit at the bank after work.
贷款
Loan
/loʊn/
他们申请了一笔贷款来开一家小店。They took out a loan to open a small shop.
利息
Interest
/ˈɪntrəst/
这张储蓄账户每个月都会产生利息。The savings account earns interest every month.
取款
Withdrawal
/wɪðˈdrɔːəl/
她在自动取款机上取了款。She made a withdrawal from the ATM.
借记卡
Debit card
/ˈdɛbɪt/
我在超市用借记卡付款。I paid with a debit card at the supermarket.
费用
Fee
/fiː/
银行收取了每月账户管理费。The bank charged a monthly maintenance fee.
信贷
Credit
/ˈkrɛdɪt/
他按时还款后，信用记录有所改善。His credit improved after he paid on time.
信用卡
Credit card
/ˈkrɛdɪt/
她用信用卡预订了酒店。She used a credit card to book the hotel.
汇率
Exchange rate
/ɪksˈtʃeɪndʒ/
我们离开机场前，汇率已经变了。The exchange rate changed before we left the airport.
抵押贷款
Mortgage
/ˈmɔːrɡɪdʒ/
他们花了多年才还清房贷。They spent years paying off the mortgage.
收益率
Yield
/jiːld/
降息后，这只债券的收益率下降了。The bond's yield fell after the rate cut.
转账
Transfer
/ˈtrænsfər/
我把钱转到了储蓄账户。I transferred the money to my savings account.
银行短文
米娜带着一笔存款走进银行，先查看了自己的账户。她想在午饭前完成一笔谨慎的交易。
柜员注意到她上个月的透支，建议她先还本金。接着他们又聊起利息，以及如果拖得太久会怎样继续增长。
米娜想用借记卡取款，结果屏幕上跳出了费用。她笑着收起信用卡，把这当成一次关于信贷的课程。
之后，她给妈妈转了一笔账，还问起做一笔小小投资时的汇率。银行职员笑着说，只要抵押品足够，贷款是可以考虑的。
他们还讨论了她的负债、未来的抵押贷款，以及预计收益率。米娜走出银行时觉得自己更懂理财了，好像钱包刚刚参加了一场很正式的考试。
Mina walked into the bank with a Deposit and checked her Account right away. She wanted to make a careful Transaction before lunch.
The clerk noticed her Overdraft from last month and suggested she pay back the Principal first. Then they talked about the Interest and how it would keep growing if she waited too long.
Mina tried a Withdrawal with her Debit card, but a Fee appeared on the screen. She laughed, put away her Credit card, and called it a lesson in Credit.
After that, she made a Transfer to her mother and asked about the Exchange rate for a small Investment. The banker smiled and said a Loan was possible if she had enough Collateral.
They also discussed her Liability, a future Mortgage, and the expected Yield. Mina left the bank feeling wiser, as if her money had just passed a very serious exam.
Word list: Equity.