Chinese Vocabulary for Banking in China
Posted by Lilian Li on 2016-12-07 10:54:09 1534

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Once you move to China, to make life more convenient you need to open a Chinese bank account. Some of the major banks are Bank of China (BOC), Industrial and Commercial Bank of China (ICBC), and China Merchant Bank (CBA), This article will share important banking vocabulary with you.

First, let’s get to know the names of the big four national banks:

BOC-Bank of China - 中国银行 Zhōng guó yín háng
ICBC- Industrial And Commercial Bank of China - 中国工商银行 Zhōng guó gōng shāng yín háng
ABC- Agricultural Bank of China - 中国农业银行 zhōng guó nóng yè yín háng
CCB- ChinaConstructionBank - 中国建设银行 zhōng guó jiàn shè yín háng

Then, you can choose one of the above or another bank to open an account. Before you do, make sure you know these words:

open account 开户 kāi hù transfer money 转账 zhuǎn zhàng
code 密码 mì mǎ transfer money 汇款 huì kuǎn
account 账户 zhàng hù       balance 余额 yú é
to set 设置 shè zhì deposit 存钱 cún qián
to enter 输入 shū rù withdraw 取钱 qǔ qián
capital 资产 zī chǎn ATM 自动取款机 zì dòng qǔ kuǎn jī
online banking 网银 wǎng yíncheque 支票 zhī piào
interest 利息 lì xī manage money matters 理财 lǐ cái
loan 贷款 dài kuǎnto insure 投保 tóu bǎo
insurance 保险 bǎo xiǎn profit 收益 shōu yì

Example

1. Open a bank account:

A: Nǐ hǎo, wǒ yào kāi hù, zhè shì wǒ de hù zhào.
你好,我要开户,这是我的护照 (Hello, I want to open an account. This is my passport.
B: Hǎo de, qǐng shāo děng, qǐng shè zhì mì mǎ.
好的,请稍等, 请设置密码。(Ok, please wait a moment. Please set your code.)

2. To activate online bank account:

A: Nǐ hǎo, wǒ yào kāi wǎng shàng yín háng.
你好,我要开网上银行。(Hello, I want to activate online banking.)
B: Hǎo de, qǐng shāo děng, qǐng shè zhì mì mǎ.
好的,请稍等,请设置密码。(Ok, please wait a moment. Please set your code.)

3. To make a money transfer:

A: Nǐ hǎo, wǒ yào zhuǎn zhàng 1000měi yuán dào zhè gè zhàng hù: xxxx xxxx xxx.
你好,我要转账1000美元到这个账户:xxxx xxxx xxx. (Hello, I want to exchange 1000 dollars for RMB)
B: Hǎo de, qǐng shāo děng, qǐng shū rù mì mǎ.
好的,请稍等,请输入密码。(Ok, please wait a moment. Please enter your code.)

4. To exchange currency:

A: Nǐ hǎo, wǒ yào bǎ 1000 měi yuán huàn chéng rén mín bì.
你好,我要把1000美元换成人民币。(Hello, I want to exchange 1000 dollars to RMB)
B:Hǎo de, qǐng shāo děng. Jīn tiān de huì lǜ shì yī bǐ liù kuài bā máo qī.
B:好的,请稍等。今天的汇率是一比六块八毛七。(Ok, please wait a moment. Today’s rate is 1 to 6.87)

If you want to make your life in China more convenient, knowing vocabulary about banking is not enough. Learn more business Chinese or daily Chinese, book a free trial class here!

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