银行，是依法成立的经营货币信贷业务的金融机构，是产品货币经济进步到肯定阶段的产物。下面我们为大伙收拾的银行开户平时英语对话，期望对大伙有用!
银行开户平时英语对话
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，大家已经申请了一个有限责任公司，我要申请账户的话需要什么许可证?我要拿经营执照吗? 如何才能通过开银行账户增加企业信用?
B：你有没收到给你企业的联邦雇主辨别号码FEIN?
A：是的，大家已经登记了适合的场合并已经收到了大家的联邦雇主辨别号。
B：那好，假如你带了所需资料，我目前可以助你开一个账户。
A：好极了，大家需要多久拿到邓氏编码?大家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。大家非常想贷款给较新的企业。你一拿到号码大家就助你尽快贷到款。
A：请多给我讲一讲你们给新的企业贷款的条约和条件。利率和成本是多少?都是年付费吗?大家对应的罚金有什么?
B：大家需要先调查你的公司信誉。请稍等一会儿，我可以助你查询一下。
A：大家的企业信贷评级怎么样?大家进入优等信用了吗?
B：你们现在的信贷评分大概是68分。你们将来可以提升。你们偿还贷款越是按时，你们的记录就越好，信誉也会随之增长。