Kinds of Banks
) I# T' B* N+ Q# T& x$ S+ Z1 i9 E 银行的种类 2 }2 p2 a5 t m
Situation 10 8 C1 m) s9 J0 @2 U" V' F7 ~5 w
情景 10 3 j' K0 }; c$ y
Mary Smith’s boy-friend ,Tom Brown ,is a clerk at the FirstNational Bank .He and Mary are talking about the different typesof banks and bank services . ' G6 t2 ]+ e/ s5 G! ?. G! v
玛丽·史密斯的男朋友汤姆·布郎是第一国民银行的职员,他在和玛丽谈论各种不同类型的银行和银行的各种业务。
" ^; n }! G8 P6 d, H Smith :I don’t understand what you mean when you say commercial bank.Tom ,aren’t all banksthe same?
8 |( y; ^' P- \) f: y# h! F 史密斯:我不明白你所说的商业银行是什么意思,汤姆,所有银行不都是一样的吗? , D) ?0 _' \0 c4 H) l' k5 }
Brown :No ,there are different types of banks ,Mary .
: d+ R2 r6 n8 |& `- D0 ` 布郎:不是的,有着各种不同类型的银行,玛丽。
0 R* r. L" x% U: W. } Usually the word bank refers only to the commercial banks like the one I work for . 9 L' {! H0 M/ @ ^, m0 q5 P' o" i! k
通常讲“银行”这个词仅仅是指商业银行,就象我工作的这家银行一样。
! g+ ?# E- B. H( G/ L0 r9 m# { They’re the banks that offer a full range of checking and savings-account services and make allkinds of loans . & z4 z8 C1 P& j4 R* o- G# q
这种银行提供支票和储蓄全套的服务,并从事各种类型的贷款事宜。 5 ?2 V' |. y. x7 O; d$ `
S:Well,what other kinds of banks are there?
9 F. T% g# g: k9 E 史密斯:噢,那么还有哪些类型的银行呢? ' N4 R: t5 H, p: Q, \% G
B:The second large category is called the Savings and Loan Association or the Building and LoanAssociation . 1 p% L6 J7 S' [9 X6 k) |6 o0 h
布郎:第二大类称做“储蓄和贷款协会”,或“建房信用协会”, ' d; `" I6 x5 y9 t
Some people call them Savings Banks,but they are technically not banks . 5 [* X/ [& a/ b% V. ~5 P
一些人称它们为储蓄银行。但是,从法律上讲,它们并不是银行,
5 v$ V4 v, t' u+ x$ ^; b They specialize in long-term savings accounts and usually lend money for mortgages.
* ^- O+ |; ]6 n' y 而是专门办理长期储蓄存款户头,通常把钱借出去做为抵押。 . f! u$ \8 }7 D/ b" [1 t6 n2 l# B
S:What about mutual Savings Banks?What does that mean?
6 r% }. n4 G' _9 u 史密斯:“互助储蓄银行”是怎么回事?业务内容是什么呢? * \- ]4 g! X5 ^. b
B:Those are special savings association ,like savings and loan associations,which are owned by thedepositors instead of stockholders .
+ I7 J$ P: X$ o: R8 O5 j# [5 a 布郎:那是一些特殊的储蓄协会,像储蓄和贷款协会一样,是归储户所有,而不是属于股东所有。
, c$ s6 D8 a. T' g- \ Usually they specialize in mortgages ,too. 7 L; K9 |: D- A& `6 W1 Y
通常,它们也是专门从事抵押业务。
|( a: X8 i0 `$ B1 ]+ y3 T& a, R* g S:Why don’t they offer checking accounts like your bank does ?
6 T. p0 y# \0 H! e! Z+ X 史密斯:它们为什么不象你们的银行一样提供支票帐户服务呢? 0 w+ p) y' l, `% h. ^5 n
B:They are organized for different purposes and they don’t have the authority to offer checkingaccouts. $ u& ^, f* d3 \0 ]$ `
布郎:各种银行是为不同的目的而建起来的,因此它们无权提供支票帐户,
" ^6 A; k% U: N1 E8 Y9 N: I4 ` That’s a function for commercial banks only .
7 i5 y! d* W" q 只有商业银行可以有这种业务。
7 v5 Y$ J& Q( I4 V S:What’s a long-term or industrial bank?
! ~; N m+ B e 史密斯:什么是“长期银行”或“工业银行”? 3 e$ c1 ]. ^% l6 i4 C$ s
B:That’s a special bank for industrial development .
; `) A* A' P# a 布郎:这是为工业发展而设立的专业银行。 |