金融英语辅导：美国的一家儿童银行

会计考友

Many American students learn business skills in school. They read books about business and talk about business problems. Some students learn business skills by operating their own companies. Here is a story about some American students whose business is a bank.

    许多美国学生在校期间都要学习一些做生意的技能。他们阅读有关做生意的书籍，并谈论业务问题。有的学生通过经营自己公司的途径学会做生意。下面讲述一个美国学生开办银行做业务的故事。
3 f# X0 i! ]6 \% U( }    In December 1987, the Twiglet Bank opened at an Elementary School in Miami, Florida. It is a real bank that accepts money for savings and makes loans, and it is operated entirely by ten, eleven and twelve-year-old 'students at the school. The bank is opened on the school campus for one hour two days a week. Students can put their money into the bank and withdraw it as they wish. Officials from a local bank help the students start the bank. They trained twenty-three of them to do all the different kinds of bank jobs, from counting money to guarding the bank. The students need money to start the bank. They raised more than $ 2000 by selling 50--dollar shares in the bank to parents, teachers, the local bank workers, and customers. Organizing and operating the bank has taught the children a lot about the banking business. They have learned about raising and investing money and how to use computers and other Banking equipment. They have also learned how to ask for a job and to be responsible for their job.
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    1987年12月，佛罗里达州迈阿密的一所小学开办了特卫格来特银行。它是一家吸收储蓄存款，发放贷款，全部由在校10-11岁学生经营的实体银行。该银行设在校园内，每周两天开办一小时的业务。学生们把钱存放在银行，需要时支取。一家当地银行的职员帮助学生开办了这家银行。他们培训了23名学生从事各种不同银行岗位，从点钞票到银行保卫工作等。学生们开办银行时需要资金，他们就向父母、老师，当地的银行职工及客户出售面值为50美元的银行股份，筹措到2000多美元大资金。筹建和经营银行教会了学生许多银行业务，学会了筹资、投资，如何使用计算机和其他银行设备的学问。他们还学会了如何寻找工作，如何对自己的工作负责等学问。