Kinds of Banks6 {2 G% ]' N) P
银行的种类- D3 B# F7 E( d5 B& s+ U
Situation 107 o( x$ J; C% }6 h" R: r
情景 10
; N6 q7 _- K; f5 ~( M 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 .% u. w+ U8 y, q
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。
; x& ^/ k; T8 a* t Smith :I don’t understand what you mean when you say commercial bank.Tom ,aren’t all banksthe same?* E* B$ P9 m# a4 A1 {/ 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?
1 N# h/ E% m2 E7 T6 U6 g Brown :No ,there are different types of banks ,Mary .
9 | b9 t! d- [2 K0 n+ E, e) \ 布郎:不是的,有着各种不同类型的银行,玛丽。
, s: T7 G: w8 p" K Usually the word bank refers only to the commercial banks like the one I work for .
/ c: \9 K7 Z- j9 i) R' \% b 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。
- E/ n# W! p; R5 Q They’re the banks that offer a full range of checking and savings-account services and make allkinds of loans .
F k2 \8 M4 F6 E7 G7 D& Y 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。
7 v" a5 F# [% Y- l9 v* j S:Well,what other kinds of banks are there?6 z) u" V3 F6 l- T \7 M" j
史密斯:噢,那么还有哪些类型的银行呢?
7 a+ |3 F, D8 q( d( K# G# R B:The second large category is called the Savings and Loan Association or the Building and LoanAssociation .. l5 v( T/ f$ q7 B
布郎:第二大类称做“储蓄和贷款协会”,或“建房信用协会”,
+ I3 I- O6 Z5 i" p Some people call them Savings Banks,but they are technically not banks .
% ^7 M' `+ N+ V9 q+ Z$ u; L 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,! j8 h- a9 m Z: y8 a1 s4 t$ I+ c" j
They specialize in long-term savings accounts and usually lend money for mortgages.5 f) R, M% N; C' v& }; b
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。
3 e: q; a$ i" } S:What about mutual Savings Banks?What does that mean?
% F( }8 b) o, V4 `. H 史密斯:“互助储蓄银行”是怎么回事?业务内容是什么呢?, o" X. D' R; |8 b4 c! F, B2 i
B:Those are special savings association ,like savings and loan associations,which are owned by thedepositors instead of stockholders .. @; W: W( O9 W1 S" I
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。( [) `, j) w& Q
Usually they specialize in mortgages ,too.( ?3 N J) |$ O& ~$ l# z; k
通常,它们也是专门从事抵押业务。
+ I* b! ^/ Y6 ?- T S:Why don’t they offer checking accounts like your bank does ?: p j& j/ H2 F
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?
" @7 }9 ]/ ]( b. Z+ x7 ^ B:They are organized for different purposes and they don’t have the authority to offer checkingaccouts.5 x+ y( I* A4 ?% c
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,' M% k5 P3 [9 s0 E! I
That’s a function for commercial banks only .& w M9 e6 v3 Q3 R/ i- m( ^/ m
只有商业银行可以有这种业务。' t: n0 C4 {- L4 L
S:What’s a long-term or industrial bank?
0 W7 u I' q3 A9 J/ j$ H+ U7 q$ Q, C 史密斯:什么是“长期银行”或“工业银行”?
3 Q" e7 m3 Q) L1 n3 ]) Y' a B:That’s a special bank for industrial development .
; b j: l9 D( E; Z8 o. L 布郎:这是为工业发展而设立的专业银行。 |