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[考试辅导] 金融英语口语:银行种类

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发表于 2012-8-16 08:17:42 | 显示全部楼层 |阅读模式
  Kinds of Banks
9 M6 N  y; x  q; A/ U! x  银行的种类
7 g/ F  h8 B+ E; [  Situation 101 ?9 ~% L0 f% e8 G6 \( T2 v$ e
  情景 103 w# N* A- y, n. L+ e3 h
  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 .' N: Q/ o) r4 v8 ?4 G+ O9 k# U" \
  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。8 s3 K' ^- Z) x" w- C' P
  Smith :I don’t understand what you mean when you say commercial bank.Tom ,aren’t all banksthe same?% Y! B  w6 @/ C& h
  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?
3 S+ N7 }) V; U1 n" r; U  Brown :No ,there are different types of banks ,Mary .
9 F- m8 x$ G6 e+ h3 Y1 }  布郎:不是的,有着各种不同类型的银行,玛丽。- J8 u  z& x$ R$ _
  Usually the word bank refers only to the commercial banks like the one I work for .
" e$ c9 B3 C" ^% e0 D' i  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。3 E: e( [# d2 _" a, `9 @4 }
  They’re the banks that offer a full range of checking and savings-account services and make allkinds of loans .) Y1 {+ M8 m# \- \* N
  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。
( K% y3 j0 t/ ^- Y! s/ r. ?  S:Well,what other kinds of banks are there?5 z# y4 G+ D: w
  史密斯:噢,那么还有哪些类型的银行呢?
0 L) k5 L# k+ f) @. a# A/ V: N& M2 E  B:The second large category is called the Savings and Loan Association or the Building and LoanAssociation .
- E+ I6 \4 K& t( G+ x( U  布郎:第二大类称做“储蓄和贷款协会”,或“建房信用协会”,
. ?8 K* |3 ]- G) Y, q0 x  Some people call them Savings Banks,but they are technically not banks .
; @6 w: v0 A0 }' c+ M$ j" n  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,2 j/ e9 Y# D' }6 d+ n) G
  They specialize in long-term savings accounts and usually lend money for mortgages.
$ P- [3 _5 x. j& W- R! `4 S  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。0 P- ~5 Z3 _; z$ ?% ^8 O, x
  S:What about mutual Savings Banks?What does that mean?" D# C& ?) {" _6 T1 _1 c
  史密斯:“互助储蓄银行”是怎么回事?业务内容是什么呢?/ Z7 f5 F4 V0 Q# K. q
  B:Those are special savings association ,like savings and loan associations,which are owned by thedepositors instead of stockholders .
; C  r, ]3 C$ |( w% U2 }& ^  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。" @0 D1 b4 F$ R; F5 v/ V& b
  Usually they specialize in mortgages ,too.( \8 S) S) T, n- |) G
  通常,它们也是专门从事抵押业务。
& ^" J+ c4 }( v& F. A. l8 T6 V  S:Why don’t they offer checking accounts like your bank does ?
5 n9 r5 [9 M, G$ H: C  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?$ A& O) Q: t# v  e" \
  B:They are organized for different purposes and they don’t have the authority to offer checkingaccouts.: d$ T  C+ y* B! |
  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,
" e: [0 ~# u  P) V! r* M0 F! \  That’s a function for commercial banks only .2 t/ @; L6 V5 y# ~4 }" W! I
  只有商业银行可以有这种业务。5 L2 u) V) g/ t, z5 \* I6 n
  S:What’s a long-term or industrial bank?
7 ~+ y, v# K" [* ?- P- X0 V% A( t# o  史密斯:什么是“长期银行”或“工业银行”?
) Y' k9 }7 V+ h2 r  B:That’s a special bank for industrial development .3 G3 W0 O1 e2 [$ U$ }
  布郎:这是为工业发展而设立的专业银行。
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