오픽 스크립트 · IH~AL · 돌발주제

은행

IH 구독

유형 1 Question

Tell me about the banks in your country — what they look like inside and out, where they're usually located, and their business hours. How often do you go, and what are the people who work there like?

I suppose banks in my country aren't fundamentally different from banks in other nations; they're just your typical banks.

In Korea, banks are predominantly situated in downtown areas. It can be quite inconvenient to visit a bank while at work, so people generally prefer banks located near their workplaces.

Prior to the pandemic, banks operated from 9 a.m. to 6 p.m. However, since the outbreak of the pandemic, their operating hours were reduced to 3 p.m. Even though the pandemic has subsided, they continue to maintain the same reduced hours of operation, and I'm not sure why.

To be honest, I rarely visit a physical bank because I can conveniently handle all my banking tasks using my smartphone. Additionally, the bank employees aren't particularly friendly, which is why I prefer using online banking.

That's about it.

번역

우리나라 은행도 다른 나라 은행이랑 근본적으로 다르진 않은 것 같아요. 그냥 전형적인 은행이죠.

한국에서 은행은 주로 시내에 있어요. 일하는 중에 은행에 가는 게 꽤 불편할 수 있어서, 사람들은 보통 직장 근처 은행을 선호해요.

팬데믹 전에는 은행이 오전 9시부터 오후 6시까지 영업했어요. 그런데 팬데믹이 터진 후로 영업시간이 오후 3시 반까지로 줄었죠. 팬데믹이 지나갔는데도 여전히 줄어든 영업시간을 유지하고 있어요. 왜인지는 모르겠어요.

솔직히 저는 은행에 직접 가는 일이 거의 없어요. 스마트폰으로 은행 업무를 다 편하게 처리할 수 있으니까요. 게다가 은행 직원들이 딱히 친절하지도 않아서 온라인 뱅킹을 선호해요.

이 정도예요.

유형 2 Question

What usually happens at a bank? What do customers typically come in asking for, and what kinds of duties do the employees handle?

Individuals visit banks for a variety of purposes, even though most people dislike going to banks. However, occasional visits to the bank are inevitable since that's where financial transactions are handled.

First and foremost, I frequently visit the bank to apply for loans. In reality, I had to secure a substantial loan to purchase a house. It's nearly impossible to buy a house without obtaining a mortgage.

Additionally, some individuals go to the bank for currency exchange. While currency exchange can be done at the airport, it's generally preferable to exchange currency at a bank due to more favorable exchange rates.

Another common practice is opening a savings account. Nowadays, real interest rates have risen again. Consequently, people are inclined to save extra funds in their accounts rather than investing in stocks or cryptocurrencies.

Various other transactions and services are available at banks, but I believe these are the primary reasons for visiting a bank.

번역

대부분의 사람들이 은행 가는 걸 싫어하는데도, 사람들은 다양한 목적으로 은행을 방문해요. 금융 거래가 처리되는 곳이니 가끔의 방문은 피할 수 없죠.

무엇보다 저는 대출 신청 때문에 은행에 자주 가요. 실제로 집을 사려고 큰 대출을 받아야 했거든요. 주택담보대출 없이 집을 사는 건 거의 불가능하잖아요.

그리고 환전하러 은행에 가는 사람들도 있어요. 환전은 공항에서도 할 수 있지만, 환율이 더 유리해서 보통 은행에서 하는 게 낫죠.

또 흔한 건 예금 계좌 개설이에요. 요즘 실질 금리가 다시 올랐잖아요. 그래서 사람들이 주식이나 코인에 투자하기보다 여윳돈을 계좌에 저축하려는 경향이 있어요.

은행에서는 다른 거래랑 서비스도 다양하게 이용할 수 있지만, 은행에 가는 주된 이유는 이것들인 것 같아요.

유형 3 Question

Tell me about the last time you went to a bank. When and where was it — do you remember which bank? Were the staff helpful, and did you accomplish what you came for? Give me the full picture of that visit.

To be honest, I don't visit banks very often. Hmmm... if I must answer this question, I believe I should discuss the occasion when I visited the bank to obtain a loan.

So, last year, I moved out of my old apartment due to a severe cockroach infestation that disgusted me. However, finding an affordable new place within my budget was somewhat challenging.

That's why I went to the bank to secure a loan for the deposit. Even though the interest rate was quite high, I had no other viable options.

I presented my ID, account details, and credit score. Thanks to my relatively good credit score, I was able to obtain a loan at a reasonable interest rate.

I believe this was the most recent time I visited the bank. It appears I'll be returning there again later this month.

번역

솔직히 저는 은행에 자주 안 가요. 음... 꼭 대답해야 한다면, 대출받으러 은행에 갔던 얘기를 해야 할 것 같아요.

작년에 심각한 바퀴벌레 문제 때문에 정떨어져서 살던 아파트에서 이사를 나왔어요. 그런데 예산 안에서 저렴한 새집을 찾는 게 좀 어렵더라고요.

그래서 보증금 대출을 받으러 은행에 갔어요. 금리가 꽤 높았지만 다른 뾰족한 수가 없었죠.

신분증, 계좌 정보, 신용점수를 제출했어요. 신용점수가 비교적 좋았던 덕분에 합리적인 금리로 대출을 받을 수 있었어요.

이게 가장 최근에 은행에 갔던 때인 것 같아요. 이번 달 말에 또 가야 할 것 같네요.