金融英语口语听力大全(MP3+双语字幕)第1期

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本文导读目录：

1、金融英语口语听力大全(MP3+双语字幕)第10期：银行的种类

2、金融英语口语听力大全(MP3+双语字幕)第1期

3、金融英语口语听力大全(MP3+双语字幕)第17期：开立往来帐户

　　Kinds of Banks 　　银行的种类 　　Mary Smith's boy-friend ,Tom Brown ,is a clerk at the First National Bank .He and Mary are talking about the different types of banks and bank services . 　　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。 　　Smith :I don't understand what you mean when you say commercial bank.Tom ,aren't all banks the same? 　　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? 　　Brown :No ,there are different types of banks ,Mary . 　　布郎：不是的，有着各种不同类型的银行，玛丽。 　　Usually the word bank refers only to the commercial banks like the one I work for . 　　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。 　　They're the banks that offer a full range of checking and savings-account services and make all kinds of loans . 　　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。 　　S:Well,what other kinds of banks are there? 　　史密斯：噢，那么还有哪些类型的银行呢? 　　B:The second large category is called the Savings and Loan Association or the Building and Loan Association . 　　布郎：第二大类称做“储蓄和贷款协会”，或“建房信用协会”， 　　Some people call them Savings Banks,but they are technically not banks . 　　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， 　　They specialize in long-term savings accounts and usually lend money for mortgages. 　　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。 　　S:What about mutual Savings Banks?What does that mean? 　　史密斯：“互助储蓄银行”是怎么回事?业务内容是什么呢? 　　B:Those are special savings association ,like savings and loan associations,which are owned by the depositors instead of stockholders . 　　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。 　　Usually they specialize in mortgages ,too. 　　通常，它们也是专门从事抵押业务。 　　S:Why don't they offer checking accounts like your bank does ? 　　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? 　　B:They are organized for different purposes and they don't have the authority to offer checking accouts. 　　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， 　　That's a function for commercial banks only . 　　只有商业银行可以有这种业务。 　　S:What's a long-term or industrial bank? 　　史密斯：什么是“长期银行”或“工业银行”? 　　B:That's a special bank for industrial development . 　　布郎：这是为工业发展而设立的专业银行　　Banking in the West(1) 　　西方的银行(一) 　　Situation 1 　　情景 1 　　Jiro Ito is visiting with his friend ,Bob Jenson ,a banker in New York . 　　伊滕次郎正与他的朋友鲍勃·詹森闲谈。鲍勃是纽约的一位银行职员。 　　They are talking about the history of banking in the west . 　　他们正在谈论有关西方银行的历史。 　　Ito:I'm curious about the history of banking in the west ,Bob.Can you tell me something about it ? 　　伊 滕：我很想知道有关西方银行史的一些情况。鲍勃，您能给我讲一讲吗? 　　Jensen:Well,Jiro,the earliest banks started in Babylon almost 4,000 years ago . 　　詹 森：好的，次郎。最早的银行大约是4，000年前在巴比伦建立的。 　　They were really temples which collected deposits and made loans . 　　实际上，那些银行只是一种收集存款并进行放款的场所。 　　I :That surprises me .I had always thought that banking started during the Renaissance in Europe . 　　伊 滕：这可真是出乎我的意料之外，我原来一直以为银行业务始于欧洲文艺复兴时期呢。 　　J:No ,it was much earlier than that.Actually ,private firms that handled deposits and loans , 　　詹 森：不，比那个时期要早多了。实际上，早在公元前6世纪就有了私营的商行。 　　changed coins and even arranged for credit transactions existed as early as the 6th century B.C. 　　这些商行从事储蓄存款和贷款，兑换硬币以至安排信贷交易。 　　I:Then ,there were banks in ancient Greece and Rome,too? 　　伊 滕：当时，古希腊和罗马也有银行吗? 　　J:Yes ,laws in Both Greece and Rome recognized banks and many bank functions . 　　詹 森：是的，希腊和罗马都在法律上承认了银行和银行的许多作用。 　　It wasn't until the breakup of the Roman Empire and the decline in trade and commercial transactions that banking lost its previous importance . 　　直到罗马帝国崩溃，商贸业务衰落，银行业才失去了它以往的重要性。 　　I:What about the laws against usury during the Middle Ages?Didn't such laws made it illegal to charge interest on loans? 　　伊 滕：中世纪时，法律禁止放高利贷是怎么回事?这些法律没有规定贷款收取利息是非法的吗? 　　J:Yes,they did ,but these laws were gradually changed during the 14th and 15th centuries, 　　詹 森：规定了，但是这些法律在14，15世纪时逐步地改变了， 　　and banking functions started appearing again in Italy and Belgium and later in France ,Germany and England . 　　银行的作用又在意大利和比利时开始出现，后来又显现在法国、德国和英国。 　　I:I see .So we can really say that banking restarted during the Renaissance . 　　伊 滕：我明白了。实际上我们可以说，银行业在文艺复兴时期又重新开始了。　　Opening a Current Account 　　开立往来帐户 　　John Spence is asking a clerk at the First National Bank about current accounts. 　　约翰·斯彭斯正在向第一国民银行的一位职员询问有关往来帐户的事宜。 　　Spence:Would you please tell me something about current accounts?I've heard the term,but I'm not sure I understand what it means. 　　斯彭斯：您能给我讲讲有关往来帐户的事吗?我听说过这个术语，但是我不完全明白它的含义。 　　Clerk:The term current account means a demand account .Actually ,a checking account. 　　职员：往来帐户这个术语就是活期帐户的意思。实际上，就是支票帐户。 　　Normally ,we use the term current or demand account when we talk about a checking account maintained by a business firm. 　　通常当我们谈论到由企业持有的支票帐房时，我们就使用往来帐户或者活期帐户这样的术语。 　　S：Oh ,so you mean that I can't open a current account as an individual? 　　斯彭斯：哦，您是说，作为个人，我不能开立往来帐户吗? 　　C:No,I don't mean that.Anybody ,either a firm or an individual ,may open a current account, 　　职员：不，我不是那个意思。任何人，无论是企业还是个人都可以开立往来帐户。 　　but we normally call individual accounts personal checking accounts .That's just a different name for them. 　　但是，我们一般称个人帐户为个人支票帐户，这仅仅是帐户名称不同而已。 　　S:Why do you call them demand accounts ,then ? 　　斯彭斯：那么您为什么称他们为活期帐户呢? 　　C:That means that the balances in the accounts are subject to withdrawal on demand. 　　职员：这就是说，帐户上的余额便于提取或者便于需要。 　　In other words,a written demand ,or a check ,is all that's necessary to make a withdrawal from the account . 　　换句话说，要想从帐户中提取，只需填写一张用款需求单或一张支票就可以了。 　　S:Aren't all accounts like that ? 　　斯彭斯：并不是所有的帐户都是这样做的吧? 　　C:No,sir .Time or savings accounts actually require a notice to the bank , 　　职员：是的，先生。定期存款帐户或储蓄帐户实际上都需要给银行一个通知， 　　usually seven days before the depositor has a right to make a withdrawal .In normal practice , 　　通常是七天前通知银行，存款人才有权力提取存款。 　　of course ,we usually waive notice and allow immediate withdrawals .In demand or current accounts , 　　当然，一般情况下，我们通常不必提前通知，并且允许立即提款。 　　however,we cannot ask for such notice . 　　然而，对于活期帐户或者往来帐户我们根本无权要求取款提前通知。

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