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 . . ?& D+ X5 y1 g# 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。
; [" s+ V" o9 O1 G* H7 `# ? Smith :I don’t understand what you mean when you say commercial bank.Tom ,aren’t all banksthe same?
* L8 r5 i" ~1 c O( } 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? % s+ _# w5 ], x9 y" ]+ v
Brown :No ,there are different types of banks ,Mary .
( u8 d* F& [+ m y% Y; e; | 布郎:不是的,有着各种不同类型的银行,玛丽。 * o3 E- i; o& N9 z+ N/ n- z1 r% I" M
Usually the word bank refers only to the commercial banks like the one I work for . ) D/ _: _) O2 N* }3 j
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。 ( n1 s$ M" j0 b4 x: F$ T
They’re the banks that offer a full range of checking and savings-account services and make allkinds of loans . X- p6 y3 n; u/ Z/ `# i5 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 I, J& o+ H) e$ s* \$ g/ p
S:Well,what other kinds of banks are there? 1 h- O' w5 _6 J! A/ E4 w
史密斯:噢,那么还有哪些类型的银行呢?
) l: c6 {, \ Y/ @9 X B:The second large category is called the Savings and Loan Association or the Building and LoanAssociation . # z1 y2 R- b, l# J3 v
布郎:第二大类称做“储蓄和贷款协会”,或“建房信用协会”, 2 H6 f2 C! [: X/ i. \ X' O2 t) q
Some people call them Savings Banks,but they are technically not banks .
3 U, X2 O# Y8 f* b2 S; l5 M 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 ?4 q4 a9 t# r$ W
They specialize in long-term savings accounts and usually lend money for mortgages. " K4 Z' h: O t: H& l* i) Y- ^6 f
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。
, n; X2 p9 Z7 f S:What about mutual Savings Banks?What does that mean? ( I& o1 X6 z6 O" ` A
史密斯:“互助储蓄银行”是怎么回事?业务内容是什么呢? $ q' ?* K% _$ T( k* V
B:Those are special savings association ,like savings and loan associations,which are owned by thedepositors instead of stockholders . " P! V3 m3 |! P8 [
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。
6 Y# v. I) I& N5 S! B Usually they specialize in mortgages ,too.
- }6 A1 E! Y" f Z/ l 通常,它们也是专门从事抵押业务。 q- o9 r1 V W' g3 i4 Y6 p
S:Why don’t they offer checking accounts like your bank does ?
+ d3 S0 H) W( l" w 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 d! V. T% S' }. ^8 o B:They are organized for different purposes and they don’t have the authority to offer checkingaccouts.
7 l0 o y$ U1 G2 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,
" E/ I+ [8 T' F That’s a function for commercial banks only .
# v' {& U4 o* z7 j 只有商业银行可以有这种业务。
9 |, n$ x6 n& D; S7 L3 z" r M E1 M S:What’s a long-term or industrial bank?
4 K) G) W! t E+ I" S 史密斯:什么是“长期银行”或“工业银行”? 7 j( l. j: S5 L v
B:That’s a special bank for industrial development .
6 u M8 q' \4 K5 F 布郎:这是为工业发展而设立的专业银行。 |