以下是整理的《金融英語(yǔ)口語(yǔ)對(duì)話：Premium》，希望大家喜歡！
New Words
新單詞
challenge v.
引起，要求
eliminate v.
消除，抵消
adverse adj.
不利的
premium n.
保險(xiǎn)金
confirmation n.
確認(rèn)書(shū)
Phrases & Expressions
短語(yǔ)
read one's mind
看出某人的心思
sort out
把．．．分類，把．．．整理
more or less
或多或少
run a risk
冒險(xiǎn)
lose one's patience
失去耐心
Z:How are you, Mr. Steward? We haven't seen each other for a whole week.
張：您好，斯特沃先生。一周末見(jiàn)了，近來(lái)好吧？
S:I'm fine. Yes, time is flying by. How are you, Zhang Jun?
斯：很好,時(shí)間過(guò)得真快呀！近來(lái)你也挺好吧？
Z:Not bad.
張：還行。
S:Really? I'm afraid you have got a lot more questions to challenge me again.
斯：真的嗎？恐怕這次你來(lái)，又有一大堆問(wèn)題等著我呢！
S, Z:Ha-ha... (laughing)
斯與張：哈-哈(一起笑起來(lái))
Z:Yes, you are reading my mind. Last time when I went back to my dormitory,
張：是啊，你可真清楚我是怎么想的。上次我回到宿舍，
I made an effort to sort out the information you provided.
把您講的一大堆內(nèi)容整理了一下，
I was still a bit confused.
發(fā)現(xiàn)還有一些弄不明白。
S:Yes? What exactly bothered you?
斯：是些什么問(wèn)題呢？
Z:As you said the forward market of foreign exchange is very helpful for companies of foreign trade to avoid possible loss.
張：您說(shuō)過(guò)，期貨外匯交易可以使外貿(mào)公司避免一些可能的損失。
S:Yes, that's true.
斯：是的。
Z:But, how about... you see...
張：但，是怎樣來(lái)避免的呢？您想．．．
S:You can give me an example to illustrate your disagreement.
斯：你可以給我一個(gè)實(shí)例，來(lái)講清楚你的不同意見(jiàn)。
Z:For instance, a German company knows that it will need an amount of US dollars in three weeks to pay for imports of facility from the United States of America.
張：比如說(shuō)，某一德國(guó)公司從美國(guó)進(jìn)口一批設(shè)備，需要在三周內(nèi)用美元支付。
As you said, they can buy the dollars forward to reduce or eliminate the risk of an adverse movement in exchange rates between the Deutsch mark and the US dollar.
您說(shuō)過(guò)，這家公司可以作外匯期貨交易購(gòu)買美元，以降低甚至抵消德國(guó)馬克與美元之間匯率的不利變化而產(chǎn)生的風(fēng)險(xiǎn)。
But exchange rates are changing.
但是，匯率在不斷地波動(dòng)著。
Maybe, there will be a favorable movement in exchange rates between Deutschmark and the US dollar.
也許，德國(guó)馬克與美元的匯率有可能產(chǎn)生有利的變化。
Then, why can't the company wait for three weeks to buy the dollars at the spot rate?
那么為何該公司不可以等到三周后再來(lái)作即期交易購(gòu)買美元呢？
S:You are realy smart, Zhang Jun. Let me tell you, that's just the original idea of currency options.
斯：張軍，你的分析真是頭頭是道。我現(xiàn)在告訴你，那只是所謂外匯期權(quán)的本來(lái)意義，
Z:Currency options? I have never heard of this term. Would you please give me more detailed information about it?
張:外匯期權(quán)?這個(gè)名詞我從未聽(tīng)說(shuō)過(guò).您能否詳細(xì)地解釋一
S:Sure. What I told you last Saturday is not wrong.
斯：好的。上周我告訴你的那些沒(méi)錯(cuò)的
But let me give you a wider and more complete picture about foreign exchange.
現(xiàn)在我給你再講一些外匯交易方面的知識(shí)。
More or less, foreign exchange dealing involves a calculated gamble on exchange rates.
外匯交易或多或少有點(diǎn)像對(duì)匯率來(lái)一次有意的賭博。
Z:Why 'gamble'?
張：為什么您用“賭博”這個(gè)詞呢？
S:Isn't foreign exchange dealing like a gamble? As you described in your example,
斯：你說(shuō)，外匯交易像不像賭博？從你舉的例子來(lái)說(shuō)，
the German company may get a better exchange rate if it waits for three weeks to buy the dollars at the spot rate.
那個(gè)德國(guó)公司如果等到三周以后再即期購(gòu)買美元，匯率有可能對(duì)他們有利：
But things will also go against us. Three weeks later, the rate could be worse.
但也可能事與愿違，三周后的匯率也許變得很糟糕。
So anyway, either course of action runs a risk.
因此，不管是前者，還是后者都承擔(dān)風(fēng)險(xiǎn)。
Z:But what are all these related to currency options?
張：但您以上所說(shuō)的一切與期權(quán)有什么關(guān)系呢？
S:Oh, don't lose your patience.Under the currency option,the customer pays a premium to the bank.
斯：你得沉住氣呀！想要取得期權(quán)，客戶得向銀行支付一筆保證金。
Z:What advantages concerning foreign exchange can the customer enjoy?
張：那么客戶在外匯買賣時(shí)享有什么好處呢？
S:After the customer of the bank pays a premium, the bank send out confirmation of the deal.
斯：在客戶向銀行支付了一筆保險(xiǎn)費(fèi)或保證金以后，銀行就出具一份外匯期權(quán)交易的確認(rèn)書(shū)。
New Words
新單詞
challenge v.
引起，要求
eliminate v.
消除，抵消
adverse adj.
不利的
premium n.
保險(xiǎn)金
confirmation n.
確認(rèn)書(shū)
Phrases & Expressions
短語(yǔ)
read one's mind
看出某人的心思
sort out
把．．．分類，把．．．整理
more or less
或多或少
run a risk
冒險(xiǎn)
lose one's patience
失去耐心
Z:How are you, Mr. Steward? We haven't seen each other for a whole week.
張：您好，斯特沃先生。一周末見(jiàn)了，近來(lái)好吧？
S:I'm fine. Yes, time is flying by. How are you, Zhang Jun?
斯：很好,時(shí)間過(guò)得真快呀！近來(lái)你也挺好吧？
Z:Not bad.
張：還行。
S:Really? I'm afraid you have got a lot more questions to challenge me again.
斯：真的嗎？恐怕這次你來(lái)，又有一大堆問(wèn)題等著我呢！
S, Z:Ha-ha... (laughing)
斯與張：哈-哈(一起笑起來(lái))
Z:Yes, you are reading my mind. Last time when I went back to my dormitory,
張：是啊，你可真清楚我是怎么想的。上次我回到宿舍，
I made an effort to sort out the information you provided.
把您講的一大堆內(nèi)容整理了一下，
I was still a bit confused.
發(fā)現(xiàn)還有一些弄不明白。
S:Yes? What exactly bothered you?
斯：是些什么問(wèn)題呢？
Z:As you said the forward market of foreign exchange is very helpful for companies of foreign trade to avoid possible loss.
張：您說(shuō)過(guò)，期貨外匯交易可以使外貿(mào)公司避免一些可能的損失。
S:Yes, that's true.
斯：是的。
Z:But, how about... you see...
張：但，是怎樣來(lái)避免的呢？您想．．．
S:You can give me an example to illustrate your disagreement.
斯：你可以給我一個(gè)實(shí)例，來(lái)講清楚你的不同意見(jiàn)。
Z:For instance, a German company knows that it will need an amount of US dollars in three weeks to pay for imports of facility from the United States of America.
張：比如說(shuō)，某一德國(guó)公司從美國(guó)進(jìn)口一批設(shè)備，需要在三周內(nèi)用美元支付。
As you said, they can buy the dollars forward to reduce or eliminate the risk of an adverse movement in exchange rates between the Deutsch mark and the US dollar.
您說(shuō)過(guò)，這家公司可以作外匯期貨交易購(gòu)買美元，以降低甚至抵消德國(guó)馬克與美元之間匯率的不利變化而產(chǎn)生的風(fēng)險(xiǎn)。
But exchange rates are changing.
但是，匯率在不斷地波動(dòng)著。
Maybe, there will be a favorable movement in exchange rates between Deutschmark and the US dollar.
也許，德國(guó)馬克與美元的匯率有可能產(chǎn)生有利的變化。
Then, why can't the company wait for three weeks to buy the dollars at the spot rate?
那么為何該公司不可以等到三周后再來(lái)作即期交易購(gòu)買美元呢？
S:You are realy smart, Zhang Jun. Let me tell you, that's just the original idea of currency options.
斯：張軍，你的分析真是頭頭是道。我現(xiàn)在告訴你，那只是所謂外匯期權(quán)的本來(lái)意義，
Z:Currency options? I have never heard of this term. Would you please give me more detailed information about it?
張:外匯期權(quán)?這個(gè)名詞我從未聽(tīng)說(shuō)過(guò).您能否詳細(xì)地解釋一
S:Sure. What I told you last Saturday is not wrong.
斯：好的。上周我告訴你的那些沒(méi)錯(cuò)的
But let me give you a wider and more complete picture about foreign exchange.
現(xiàn)在我給你再講一些外匯交易方面的知識(shí)。
More or less, foreign exchange dealing involves a calculated gamble on exchange rates.
外匯交易或多或少有點(diǎn)像對(duì)匯率來(lái)一次有意的賭博。
Z:Why 'gamble'?
張：為什么您用“賭博”這個(gè)詞呢？
S:Isn't foreign exchange dealing like a gamble? As you described in your example,
斯：你說(shuō)，外匯交易像不像賭博？從你舉的例子來(lái)說(shuō)，
the German company may get a better exchange rate if it waits for three weeks to buy the dollars at the spot rate.
那個(gè)德國(guó)公司如果等到三周以后再即期購(gòu)買美元，匯率有可能對(duì)他們有利：
But things will also go against us. Three weeks later, the rate could be worse.
但也可能事與愿違，三周后的匯率也許變得很糟糕。
So anyway, either course of action runs a risk.
因此，不管是前者，還是后者都承擔(dān)風(fēng)險(xiǎn)。
Z:But what are all these related to currency options?
張：但您以上所說(shuō)的一切與期權(quán)有什么關(guān)系呢？
S:Oh, don't lose your patience.Under the currency option,the customer pays a premium to the bank.
斯：你得沉住氣呀！想要取得期權(quán)，客戶得向銀行支付一筆保證金。
Z:What advantages concerning foreign exchange can the customer enjoy?
張：那么客戶在外匯買賣時(shí)享有什么好處呢？
S:After the customer of the bank pays a premium, the bank send out confirmation of the deal.
斯：在客戶向銀行支付了一筆保險(xiǎn)費(fèi)或保證金以后，銀行就出具一份外匯期權(quán)交易的確認(rèn)書(shū)。