协商怎么说

协商在英语中通常表达为 "confer with sb. on sth."。这是指为了取得一致意见而共同商量。在具体场景中，如与银行协商还款，可以采用以下话术：

1. 表达歉意和诚意：

```

"Hello, I'm calling from [Bank Name] to express my sincere apologies for the inconvenience my overdue payment has caused. I understand the importance of timely payments and I am committed to resolving this issue."

```

2. 提供还款计划：

```

"I would like to propose a repayment plan that I believe will meet my financial capabilities. This plan includes a detailed breakdown of the repayment amount and the proposed repayment schedule."

```

3. 请求减免利息或罚款：

```

"Given my current financial situation, I would like to request a temporary hardship adjustment, such as a reduction in interest or a waiver of late fees."

```

4. 保持良好沟通：

```

"I am open to any suggestions you may have to help me manage my payments more effectively. I am committed to maintaining a positive and constructive dialogue with you."

```

5. 争取协商：

```

"I am willing to explore all possible options to settle my debt, including installment plans, additional fees, or even paying penalty interest. I believe that preserving my credit is of utmost importance."

```

在与银行协商时，保持诚恳、明确的目标，并提供充分的证据支持你的还款计划，可以增加协商成功的可能性。