金融英语听力 10.银行的种类
[00:00.00]Kinds of Banks
[00:01.01]银行的种类
[00:02.01]Situation 10
[00:03.02]情景 10
[00:04.02]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 .
[00:10.03]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。
[00:16.04]Smith :I don\'t understand what you mean when you say commercial bank.Tom ,aren\'t all banks the same?
[00:19.94]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？
[00:23.85]Brown :No ,there are different types of banks ,Mary .
[00:25.77]布郎：不是的，有着各种不同类型的银行，玛丽。
[00:27.69]Usually the word bank refers only to the commercial banks like the one I work for .
[00:30.80]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。
[00:33.91]They\'re the banks that offer a full range of checking and savings-account services and make all kinds of loans .
[00:37.77]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。
[00:41.64]S:Well,what other kinds of banks are there?
[00:43.49]史密斯：噢，那么还有哪些类型的银行呢？
[00:45.35]B:The second large category is called the Savings and Loan Association or the Building and Loan Association .
[00:49.74]布郎：第二大类称做“储蓄和贷款协会”，或“建房信用协会”，
[00:54.13]Some people call them Savings Banks,but they are technically not banks .
[00:56.93]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，
[00:59.74]They specialize in long-term savings accounts and usually lend money for mortgages.
[01:02.81]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。
[01:05.88]S:What about mutual Savings Banks?What does that mean?
[01:07.29]史密斯：“互助储蓄银行”是怎么回事？业务内容是什么呢？
[01:08.70]B:Those are special savings association ,like savings and loan associations,which are owned by the depositors instead of stockholders .
[01:14.63]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。
[01:20.56]Usually they specialize in mortgages ,too.
[01:22.60]通常，它们也是专门从事抵押业务。
[01:24.64]S:Why don\'t they offer checking accounts like your bank does ?
[01:26.67]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？
[01:28.71]B:They are organized for different purposes and they don\'t have the authority to offer checking accouts.
[01:31.81]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，
[01:34.90]That\'s a function for commercial banks only .
[01:36.50]只有商业银行可以有这种业务。
[01:38.09]S:What\'s a long-term or industrial bank?
[01:39.79]史密斯：什么是“长期银行”或“工业银行”？
[01:41.49]B:That\'s a special bank for industrial development .
[01:43.12]布郎：这是为工业发展而设立的专业银行。 非银行金融机构贷款 银行金融知识 关于银行的金融产品 非银行金融 银行金融产品都有哪些 银行金融机构有哪些 银行金融产品包括 非银行金融机构 非银行金融机构主要
[00:01.01]银行的种类
[00:02.01]Situation 10
[00:03.02]情景 10
[00:04.02]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 .
[00:10.03]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。
[00:16.04]Smith :I don\'t understand what you mean when you say commercial bank.Tom ,aren\'t all banks the same?
[00:19.94]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？
[00:23.85]Brown :No ,there are different types of banks ,Mary .
[00:25.77]布郎：不是的，有着各种不同类型的银行，玛丽。
[00:27.69]Usually the word bank refers only to the commercial banks like the one I work for .
[00:30.80]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。
[00:33.91]They\'re the banks that offer a full range of checking and savings-account services and make all kinds of loans .
[00:37.77]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。
[00:41.64]S:Well,what other kinds of banks are there?
[00:43.49]史密斯：噢，那么还有哪些类型的银行呢？
[00:45.35]B:The second large category is called the Savings and Loan Association or the Building and Loan Association .
[00:49.74]布郎：第二大类称做“储蓄和贷款协会”，或“建房信用协会”，
[00:54.13]Some people call them Savings Banks,but they are technically not banks .
[00:56.93]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，
[00:59.74]They specialize in long-term savings accounts and usually lend money for mortgages.
[01:02.81]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。
[01:05.88]S:What about mutual Savings Banks?What does that mean?
[01:07.29]史密斯：“互助储蓄银行”是怎么回事？业务内容是什么呢？
[01:08.70]B:Those are special savings association ,like savings and loan associations,which are owned by the depositors instead of stockholders .
[01:14.63]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。
[01:20.56]Usually they specialize in mortgages ,too.
[01:22.60]通常，它们也是专门从事抵押业务。
[01:24.64]S:Why don\'t they offer checking accounts like your bank does ?
[01:26.67]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？
[01:28.71]B:They are organized for different purposes and they don\'t have the authority to offer checking accouts.
[01:31.81]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，
[01:34.90]That\'s a function for commercial banks only .
[01:36.50]只有商业银行可以有这种业务。
[01:38.09]S:What\'s a long-term or industrial bank?
[01:39.79]史密斯：什么是“长期银行”或“工业银行”？
[01:41.49]B:That\'s a special bank for industrial development .
[01:43.12]布郎：这是为工业发展而设立的专业银行。 非银行金融机构贷款 银行金融知识 关于银行的金融产品 非银行金融 银行金融产品都有哪些 银行金融机构有哪些 银行金融产品包括 非银行金融机构 非银行金融机构主要
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