ChinesePod
aChinesePod
@ 40410 Exchange Rates
A 人民幣這一年升值得真快！我手裡的美金都貶值好多了！
rénmínbì zhèyīnián shēngzhí de zhēn kuài! wǒ shǒu lǐ de měijīn dōu biǎnzhí hǎoduō le!
The Chinese yuan has gone up really quickly this year! My American dollars have depreciated a lot!
B 誰叫你不早換人民幣？現在吃虧了吧！
shéi jiào nǐ bù zǎo huàn rénmínbì? xiànzài chīkuī le ba!
No one stopped you from exchanging them for Chinese yuan sooner. Now you’ll have to take your losses!
A 嗯，不過匯率變動很難說，我哪料得到啊？而且我覺得人民幣和美金這種強勢貨幣還是比較穩定的。
én, bùguò huìlǜ biàndòng hěn nán shuō, wǒ nǎ liàodedào ā? érqiě wǒ juéde rénmínbì hé měijīn zhèzhǒng qiángshì huòbì hái shì bǐjiào wěndìng de.
Yeah, but exchange rate fluctuations are hard to predict, how could I have known? Plus, I think that these kinds of major currencies, such as the Chinese yuan and American dollar, are still relatively stable.
B 有道理。哎，你知道現在一歐元兌換多少人民幣嗎？
yǒu dàolǐ. āi, nǐ zhīdào xiànzài yī Oūyuán duìhuàn duōshao rénmínbì ma?
That makes sense. Hey, do you know the conversion for one euro to Chinese yuan now?
A 大概十塊多一點。這一年裡也漲了好多。
dàgài shí kuài duō yīdiǎn. zhèyīnián lǐ yě zhǎng le hǎoduō.
Roughly 10 point something. It’s gone up a lot this year.
B 那港幣呢？
nà gǎngbì ne?
What about the Hong Kong dollar?
A 現在和人民幣已經差不多了。所以好多人去香港購物都用銀聯卡，因為是按當日匯率結算。這樣一來，可以避免買入和賣出造成的損失。
xiànzài hé rénmínbì yǐjīng chà bu duō le. suǒyǐ hǎo duō rén qù Xiānggǎng gòuwù dōu yòng yínlián kǎ, yīnwèi shì àn dāngrì huìlǜ jiésuàn. zhèyàngyīlái, kěyǐ bìmiǎn mǎirù hé màichū zàochéng de sǔnshī.
It’s about the same as the Chinese yuan now. So a lot of people that go shopping in Hong Kong use a China Union Pay bank card, because it calculates according to that day’s exchange rate. This way they can avoid losses buying and selling the currency.
B 哎，匯率變動這東西真是讓人頭疼。特別是對做外匯投資理財的人來說，細微的漲跌都關係重大啊。換成是我，我的心臟可受不了這樣的壓力。
āi, huìlǜ biàndòng zhè dōngxi zhēnshì ràng rén tóuténg. tèbiéshì duì zuò wàihuì tóuzī lǐcái de rén láishuō, xìwēi de zhǎngdiē dōu guānxì zhòngdà ā. huànchéng shì wǒ, wǒ de xīnzàng kě shòu bu liǎo zhèyàng de yālì.
Yikes, these currency fluctuations really are a headache. Especially for those in foreign investment banking, slight fluctuations have a significant effect. If it were me, my heart couldn’t take that kind of pressure.
A 我看你是沒有理財頭腦。其實這裡面可是商機無限啊。
wǒ kàn nǐ shì méiyǒu lǐcái tóunǎo. qíshí zhè lǐmiàn kěshì shāngjī wúxiàn ā.
I can see you don’t have a mind for financial management. Actually, there are limitless business opportunities in this field.
Key Vocabulary
升值 shēngzhí
貶值 biǎnzhí
吃虧 chīkuī
匯率 huìlǜ
兌換 duìhuàn
銀聯卡 yínlián kǎ
結算 jiésuàn
細微 xìwēi
外匯 wàihuì
Supplementary Vocabulary
及時 jíshí
付出 fùchū
預料 yùliào
自動提款機 zìdòng tíkuǎn jī
機構 jīgòu
網絡 wǎngluò
管理錢財 guǎnlǐ qiáncái
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