Kinds of Banks- T. X9 i& _( h a+ e! x! i% h
银行的种类
9 j) A/ V. Z- M) A* Y- C Situation 10
/ Y/ Z- N* Z5 @9 `7 I6 X; | 情景 10
) D% P9 [* V" ^3 I! } 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 .: [* V6 V0 ^- Z, H0 Y
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。3 I) i* {. ~9 C7 x' V
Smith :I don’t understand what you mean when you say commercial bank.Tom ,aren’t all banksthe same?* j- `2 F! J. L6 `6 _/ J
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?- g5 L. h3 O' u q( Y& y ?* ?7 [( Y: `( ~
Brown :No ,there are different types of banks ,Mary .& }/ B# W7 v; n) g. X1 k
布郎:不是的,有着各种不同类型的银行,玛丽。9 H! |1 L# N1 F$ c7 N3 p/ u( E
Usually the word bank refers only to the commercial banks like the one I work for .
$ K: B- h! L, o( ~! v 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。
' y1 K8 V+ u- r) n/ H/ J0 Q, _$ H They’re the banks that offer a full range of checking and savings-account services and make allkinds of loans .4 f* d* h; [- {4 z$ S
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。
6 G* k5 m9 r" A# G7 E6 F* }) E* O S:Well,what other kinds of banks are there?
: K8 M5 @; o: E+ S+ X- m, S 史密斯:噢,那么还有哪些类型的银行呢?
; R7 ?0 m3 _! Z" S# o5 E' P/ F; V, @; k B:The second large category is called the Savings and Loan Association or the Building and LoanAssociation .
2 Q3 F) b1 E- S1 Q3 Q) F 布郎:第二大类称做“储蓄和贷款协会”,或“建房信用协会”,* r6 ]; k3 X; a( ~5 ^7 K" v9 }
Some people call them Savings Banks,but they are technically not banks .' p, [7 B+ E# [2 J$ |8 Q/ a4 }
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,
8 l5 D. O3 U( o# [2 G* C They specialize in long-term savings accounts and usually lend money for mortgages.
8 m' L1 n3 M- ^ 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。
8 J: K3 U# J4 R! {! g S:What about mutual Savings Banks?What does that mean? M( \ b- n6 T
史密斯:“互助储蓄银行”是怎么回事?业务内容是什么呢?* Q* ^' d# k5 _) b
B:Those are special savings association ,like savings and loan associations,which are owned by thedepositors instead of stockholders .
6 _1 t4 P2 m4 n- |+ t 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。
4 |' k9 z( ]$ i- q/ g( i" c% D Usually they specialize in mortgages ,too.$ Q9 a5 Y" H* v8 ]4 [
通常,它们也是专门从事抵押业务。
! i- l7 C$ r& \9 I S:Why don’t they offer checking accounts like your bank does ?
* I( j, t: o! ~ 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?# f% x% |' g) k2 j* I( }8 o
B:They are organized for different purposes and they don’t have the authority to offer checkingaccouts.
: B4 X. U0 R/ H+ ]4 N 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,- `; b6 h# t2 ~! g+ u
That’s a function for commercial banks only .
1 Y2 L8 i! q/ o& a 只有商业银行可以有这种业务。
* Y4 A- y- O+ J S:What’s a long-term or industrial bank?/ m; z' Y& k* `6 O8 o
史密斯:什么是“长期银行”或“工业银行”?
" e y( @6 z( F1 y' d x1 b" z, f( ~ B:That’s a special bank for industrial development .
& ?) Y% J! n* g- R) F# T9 l0 o 布郎:这是为工业发展而设立的专业银行。 |