金融英語情景會話：銀行種類

下面是本站小編整理的金融英語情景會話：銀行種類， 希望對大家有幫助。

Mary Smith's boy-friend ,Tom Brown ,is a clerk at the First National Bank and Mary are talking about the different types of banks and bank services .

瑪麗·史密斯的男朋友湯姆·布郎是第一國民銀行的職員，他在和瑪麗談論各種不同類型的銀行和銀行的各種業務。

Smith :I don't understand what you mean when you say commercial ,aren't all banks the same?

史密斯：我不明白你所說的商業銀行是什麼意思，湯姆，所有銀行不都是一樣的嗎?

Brown :No ,there are different types of banks ,Mary .

布郎：不是的，有着各種不同類型的銀行，瑪麗。

Usually the word bank refers only to the commercial banks like the one I work for .

通常講“銀行”這個詞僅僅是指商業銀行，就象我工作的這家銀行一樣。

They're the banks that offer a full range of checking and savings-account services and make all kinds of loans .

這種銀行提供支票和儲蓄全套的服務，並從事各種類型的貸款事宜。

S:Well,what other kinds of banks are there?

史密斯：噢，那麼還有哪些類型的銀行呢?

B:The second large category is called the Savings and Loan Association or the Building and Loan Association .

布郎：第二大類稱做“儲蓄和貸款協會”，或“建房信用協會”，

Some people call them Savings Banks,but they are technically not banks .

一些人稱它們爲儲蓄銀行。但是，從法律上講，它們並不是銀行，

They specialize in long-term savings accounts and usually lend money for mortgages.

而是專門辦理長期儲蓄存款戶頭，通常把錢借出去做爲抵押。

S:What about mutual Savings Banks?What does that mean?

史密斯：“互助儲蓄銀行”是怎麼回事?業務內容是什麼呢?

B:Those are special savings association ,like savings and loan associations,which are owned by the depositors instead of stockholders .

布郎：那是一些特殊的儲蓄協會，像儲蓄和貸款協會一樣，是歸儲戶所有，而不是屬於股東所有。

Usually they specialize in mortgages ,too.

通常，它們也是專門從事抵押業務。

S:Why don't they offer checking accounts like your bank does ?

史密斯：它們爲什麼不象你們的銀行一樣提供支票帳戶服務呢?

B:They are organized for different purposes and they don't have the authority to offer checking accouts.

布郎：各種銀行是爲不同的目的而建起來的，因此它們無權提供支票帳戶，

That's a function for commercial banks only .

只有商業銀行可以有這種業務。

S:What's a long-term or industrial bank?

史密斯：什麼是“長期銀行”或“工業銀行”?

B:That's a special bank for industrial development .

布郎：這是爲工業發展而設立的專業銀行。