Kinds of Banks
銀行的種類
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 .
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?wù)摳鞣N不同類型的銀行和銀行的各種業(yè)務(wù)。
Smith :I don't understand what you mean when you say commercial bank.Tom ,aren't all banks the same?
史密斯：我不明白你所說的商業(yè)銀行是什么意思，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，有著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(yè)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(wù)，并從事各種類型的貸款事宜。
S:Well,what other kinds of banks are there?
史密斯：噢，那么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(xié)會”，或“建房信用協(xié)會”，
Some people call them Savings Banks,but they are technically not banks .
一些人稱它們?yōu)閮π钽y行。但是，從法律上講，它們并不是銀行，
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，通常把錢借出去做為抵押。
S:What about mutual Savings Banks?What does that mean?
史密斯：“互助儲蓄銀行”是怎么回事?業(yè)務(wù)內(nèi)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：那是一些特殊的儲蓄協(xié)會，像儲蓄和貸款協(xié)會一樣，是歸儲戶所有，而不是屬于股東所有。
Usually they specialize in mortgages ,too.
通常，它們也是專門從事抵押業(yè)務(wù)。
S:Why don't they offer checking accounts like your bank does ?
史密斯：它們?yōu)槭裁床幌竽銈兊你y行一樣提供支票帳戶服務(wù)呢?
B:They are organized for different purposes and they don't have the authority to offer checking accouts.
布郎：各種銀行是為不同的目的而建起來的，因此它們無權(quán)提供支票帳戶，
That's a function for commercial banks only .
只有商業(yè)銀行可以有這種業(yè)務(wù)。
S:What's a long-term or industrial bank?
史密斯：什么是“長期銀行”或“工業(yè)銀行”?
B:That's a special bank for industrial development .
布郎：這是為工業(yè)發(fā)展而設(shè)立的專業(yè)銀行
銀行的種類
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 .
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?wù)摳鞣N不同類型的銀行和銀行的各種業(yè)務(wù)。
Smith :I don't understand what you mean when you say commercial bank.Tom ,aren't all banks the same?
史密斯：我不明白你所說的商業(yè)銀行是什么意思，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，有著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(yè)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(wù)，并從事各種類型的貸款事宜。
S:Well,what other kinds of banks are there?
史密斯：噢，那么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(xié)會”，或“建房信用協(xié)會”，
Some people call them Savings Banks,but they are technically not banks .
一些人稱它們?yōu)閮π钽y行。但是，從法律上講，它們并不是銀行，
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，通常把錢借出去做為抵押。
S:What about mutual Savings Banks?What does that mean?
史密斯：“互助儲蓄銀行”是怎么回事?業(yè)務(wù)內(nèi)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：那是一些特殊的儲蓄協(xié)會，像儲蓄和貸款協(xié)會一樣，是歸儲戶所有，而不是屬于股東所有。
Usually they specialize in mortgages ,too.
通常，它們也是專門從事抵押業(yè)務(wù)。
S:Why don't they offer checking accounts like your bank does ?
史密斯：它們?yōu)槭裁床幌竽銈兊你y行一樣提供支票帳戶服務(wù)呢?
B:They are organized for different purposes and they don't have the authority to offer checking accouts.
布郎：各種銀行是為不同的目的而建起來的，因此它們無權(quán)提供支票帳戶，
That's a function for commercial banks only .
只有商業(yè)銀行可以有這種業(yè)務(wù)。
S:What's a long-term or industrial bank?
史密斯：什么是“長期銀行”或“工業(yè)銀行”?
B:That's a special bank for industrial development .
布郎：這是為工業(yè)發(fā)展而設(shè)立的專業(yè)銀行